Exactly. I raised my HO insurance deductible to lower my rate (still high) as I know that I can really only use my insurance in a catastrophic event. Any use will cause me to be dropped. And I have no other options as I am “too close” to a fire zone. They already made me rip out all plants against my home or they would drop me. They used satellite imagery to spy on my yard. Completely sucks.
Yup - I am still pissed about the whole thing. Seems like almost all quotes are provided by algorithm and the algorithm just sees multiple comprehensive claims doesn’t care what they actually are - I have called him to talk to a representative previously and they said sorry, sir. We can’t go against what the computer tells us. Bullshit imo.
That’s so much better than the Progressive quote I’m getting here in the bay area, but even with my quote being more than 2x this, it’s still a LOT cheaper than my current Nationwide coverage.Progressive is INSANELY low for me, I tell everyone to try them first. They seem to love EVs. This is a six month policy. Our Smart is also on the policy and adds around $210, which is funny, since that car could be replaced completely for $12k.
I switched to progressive for the first time from my usual back n forth between state farm and geico.Progressive is INSANELY low for me, I tell everyone to try them first. They seem to love EVs. This is a six month policy. Our Smart is also on the policy and adds around $210, which is funny, since that car could be replaced completely for $12k.
That’s a great idea - might call my agent next week to ask about the same. I’m also near a fire zone (but not in it), and precious few insurance companies are writing policies here. I’m just going to suck it up until the cycle turns, at which time I might shop things.
Wouldn’t surprise me. When I was purchasing my car in April, I selected Rivian Insurance and was given the name of a guy to call. I called him and he was with Nationwide. He said they would only insure me if I brought all my cars over to them and would possibly even require a home. I told him right now, I only was thinking about one car, because I was getting a killer deal from Geico for my other 3 cars and home. He said they can’t get any policies underwritten that are just single cars and said he’s seen them start dropping customers. So….it sounds to me like Nationwide thought it would be lucrative to be Rivian’s official insurance provider, but found out it was not profitable and they are just unwinding. When I told my guide, she said she had heard that Rivian was trying to find another underwriter.
I have nationwide and I opted to do a year premium to kick the can further down but no joke; when I was shopping around, every two weeks they would tell me a higher quote and their go-to excuse was “oh, it’s not us it’s your state. Your state legislation is causing your rates to go up”.
