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I just switched to Mercury homeowners from Nationwide and cut my policy to less than a third. Nationwide premiums have gone to the moon the last 2-3 years - at least here. It's insane. I think they must be trying to get out of the homeowner insurance business!
I checked Amica and they are much higher. Years ago I had USAA but they got much too expensive. I can’t imagine what I would pay if I had a newer car. Nevada must have a bunch of bad drivers.
Nevada has a bunch of bad drivers. People in Nevada are also more likely to be driving drunk or under the influence than in other states. I think gambling also tends to attract a group of people--that on the whole--are less responsible and careful than in other states. I am sure my rates in neighboring Utah are quite a bit lower.
I want to just caution everyone who thinks that when they go from insurance company A to insurance company B that not all insurance companies are equal. If you have a serious claim you may find that out. Companies like AMICA and USAA may be more expensive, but they had good records in terms of providing claim service. Insurance is about more than having a piece of paper saying you are insured. Its about having a company that will do its duty when it legally owes money.
Good car insurance can be very critical. When my kids were living at home even though they were driving I was paying to insure four cars and I was getting high limits of coverage. At one point, I was paying $4000 a year for car insurance. Not everyone can afford that kind of thing, but I've seen some horrible accidents were people got very little in the way of compensation because there just wasn't enough insurance. Even though we never had a single accident during that time period, I never once rejected my decision.
Last edited by markg91359; 05-11-2024 at 09:04 AM..
Nevada has a bunch of bad drivers. People in Nevada are also more likely to be driving drunk or under the influence than in other states. I think gambling also tends to attract a group of people--that on the whole--are less responsible and careful than in other states. I am sure my rates in neighboring Utah are quite a bit lower.
I want to just caution everyone who thinks that when they go from insurance company A to insurance company B that not all insurance companies are equal. If you have a serious claim you may find that out. Companies like AMICA and USAA may be more expensive, but they had good records in terms of providing claim service. Insurance is about more than having a piece of paper saying you are insured. Its about having a company that will do its duty when it legally owes money.
Good car insurance can be very critical. When my kids were living at home even though they were driving I was paying to insure four cars and I was getting high limits of coverage. At one point, I was paying $4000 a year for car insurance. Not everyone can afford that kind of thing, but I've seen some horrible accidents were people got very little in the way of compensation because there just wasn't enough insurance. Even though we never had a single accident during that time period, I never once rejected my decision.
We have had Amica for years for just that reason. Every year I check prices and the difference to switch is not enough to justify getting questionable service. We have had one claim for a parking lot fender bender and it was handled quickly and painlessly. When we had a devastating tornado here on the other side of town Amica was on the phone early the next day to check and see if we were OK and needed anything.
When I see some of the problems people have with claims with other companies, I'll happily stick with Amica.
I don't know if for home insurance, specific location always has much to do with the amount of home insurance you pay unless maybe obvious places prone to natural disasters like hurricanes along the eastern seaboard and gulf states or western wildfires. Those that own homes in relatively safe locations, help pay for others in riskier locations.
This is the FEMA national risk index where you plug in your location and it gives you an estimated risk for natural disasters. My location is rated very low for KY and very low for the U.S., yet my home insurance went up about 35% in one year. I searched and found another company with a better price for better coverage. The price increase I received had nothing to do with local disasters because there weren't any.
According to the list GEICO has the cheapest car insurance of major carriers in Nevada and I have found that to be true. I also know from personal experience they will pay if someone hits you. My car was fixed quickly and they paid my chiropractor for months. If I had a newer car I could understand paying 1200/ year but I only drive 2700 miles a year and the car is 16 years old. In the past 3 years my insurance has went up a lot every year.
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