Hey Geico!

[tobee43]

^^^^^^^^ I certainly agree with the above statement. Through all my saga with getting homeowner's insurance--the various companies are VERY different with different underwriters, and different sets of questions they ask.

I always advise going to your local independent insurance agent. They represent several different companies, and can match you with a 'best fit' suited for your particular situation and needs.

You should go in person. This is not something that is always easier to do by phone or online.

right you are there!! homeowners in florida is entirely different animal. i met this guy who inherited a house on one of the coast and had to let it go because he couldn't get homeowners insurance!!!!

that's one of the reasons we choice the middle of the state ( I HATE IT HERE!) but it was where we could afford, a homeowners was a huge deciding factor on that one. we know someone in venice fl, true story, a 700 sq foot condo on the coast pays over $600 MONTHLY on homeowners! no way.

AAA does not handle our homeowners ONLY our auto. i have florida family or something like that.

[tobee43]

I just joined AAA and I'm due to switched insurance companies due to an upcoming move. I appreciate you sharing this information with the board.

well actually i thought my dh was nuts when he said call AAA and see what they can do. i said they don't do auto insurance. well i certainly was incorrect. they just act as agents without that terrible added costs factor. they were excellent to work with and found us the cheapest rates with a good choice of companies. we also have been members for over 20 years and have used their roadside service and that is great to have.

[AngelinaCat]

^^^^^^^^ I certainly agree with the above statement. Through all my saga with getting homeowner's insurance--the various companies are VERY different with different underwriters, and different sets of questions they ask.

I always advise going to your local independent insurance agent. They represent several different companies, and can match you with a 'best fit' suited for your particular situation and needs.

You should go in person. This is not something that is always easier to do by phone or online.

[EandGWZ]

Yeah, Frogger, try to get in with USAA if you or family have any military history then i always here usaa or navy fed is best. I looked long and hard and ameriprise thru costco was the best deal.

Be sure to research the companies first, I'm a firm believer that all insurance companies are not the same and the only time you'll find out is when you're in an accident. I have a no name one from the area ("mutual benefit company"), they are responsive, fair and cut you a check within days of your claim. Seems like what should be expected however I have heard nightmares out there.

[EandGWZ]

frogger, we called AAA and got a GREAT quote from them. actually, you can request as we did to use a company which does not check credit. AAA accesses many insurance companies so we had our choice.

i thought NJ was the highest in the country only to find out florida is far worse and all i have to do is go out to rt 50 and i know why. anyway, the first few times we were slammed with higher than usual rates now we are fine; we have travelers, did have hartford before, but saved about $400 a year.

I just joined AAA and I'm due to switched insurance companies due to an upcoming move. I appreciate you sharing this information with the board.

[GoingDown]

frogger, we called AAA and got a GREAT quote from them. actually, you can request as we did to use a company which does not check credit. AAA accesses many insurance companies so we had our choice.

i thought NJ was the highest in the country only to find out florida is far worse and all i have to do is go out to rt 50 and i know why. anyway, the first few times we were slammed with higher than usual rates now we are fine; we have travelers, did have hartford before, but saved about $400 a year.

I agree. I found AAA to have the cheapest car insurance of all of them, and that's who I current have my insurance through.

I just have the minimum liability coverage required by the state of Arizona, and nothing else. And of course, with AAA, you have to be a member of AAA roadside service to get insurance through them, so there's that fee, too, but it's not much.

[tobee43]

no, no one ever had a policy per se with them while in the military. i was just wondering if VETS were able to apply. not that we are not happy with the rate we get here. i did go to navy's website and it's really more for active duty members and not vets, which isn't really nice. we were in a state credit union before we filed but now do not live in that state any longer.

the thing about florida is you have the right to sue. in nj one had the choice so you could really lower your rate. honestly, having been driving in this crazy state, i do want to pay the bit extra and have that right to sue if someone hits us which is almost everyday we take out the car LOL!!!

[InOverHead]

any family??? just was wondering about about with nave federal, since one of us was navy for 4.5 years...USAA ok for vets???

Hey Tobee! If a family member that was military has a policy with USAA, then you can get a tag-along being non military. They have simple ways for membership such as insuring a valuable personal belonging for as little as $20 yearly. Not sure about the details of getting in with NAVY fed but always hear great things about them. Definitely worth a call IMO.

Frogger, I have a growing list of companies...the world is not fair and i don't like it! thanks for saving me the troubles of bothering with the gecko

[frogger]

Actually, I'm at a very good rate with my current insurance company. Just thought about checking around to keep everyone honest and found out some of the ones that I won't ever do business with.

[tobee43]

Yeah, Frogger, try to get in with USAA if you or family have any military history then i always here usaa or navy fed is best. I looked long and hard and ameriprise thru costco was the best deal.

any family??? just was wondering about about with nave federal, since one of us was navy for 4.5 years...USAA ok for vets???

[tobee43]

frogger, we called AAA and got a GREAT quote from them. actually, you can request as we did to use a company which does not check credit. AAA accesses many insurance companies so we had our choice.

i thought NJ was the highest in the country only to find out florida is far worse and all i have to do is go out to rt 50 and i know why. anyway, the first few times we were slammed with higher than usual rates now we are fine; we have travelers, did have hartford before, but saved about $400 a year.

[InOverHead]

Yeah, Frogger, try to get in with USAA if you or family have any military history then i always here usaa or navy fed is best. I looked long and hard and ameriprise thru costco was the best deal.

[DYLAN150]

Old man here. I have no accidents/no tickets for the last 14 years. I pay $600 a year to USAA for a 2012 leased SUV, and my credit score is around 600 plus I owe USAA about 14k for a visa card which I have not paid on in over two years. My home insurance policy is about $950 a year and I got three estimates from $1600 to $2100 for a year.

[andy158]

We have been very fortunate. 3.5 years into our bk and our insurance rates have not changed. In fact it went down after the youngest turned 19 last year and got his operators license.

Four cars, four drivers, two full coverage, two liability, two drivers under 25 years old = $347/month with MetLife Auto.

[pamkev]

...so frogs and lizards don't get along?

Oh so funny