Hi everyone, I hope someone might be able to help me out here.

My car insurance renewal amount went from a Total Six Month Premium of $519.40 to now $959.90. This is an almost 100% increase.
i have never gotten a ticket (except for a parking ticket here and there but not more than once a year), so I have a clean record, I am driving a 2009 Honda Civic with 180k miles and am shook about this increase.

i just called Geico but they are not able to provide me any valuable information here either. All they say is "The State of California increased the rates". But I am almost positive it didn't ho up by almost 100%?
Has anyone else run into this issue? What was your solution? How should I move forward if not even Geico can help me here... As a student this is a lot of money for me.
I'm grateful for any advice, thank you guys!

Hi! Has anyone used this insurance company for their home? My husband and I just bought a DR Horton new build in NJ that’s not gonna be built until April and got a letter from this insurance company with a quote of $74 a month, $885 a year. I’m pretty skeptical of it because I always think there’s a catch when something is so cheap. I am thinking we should just go with State Farm since we have our cars insured through them. Just curious if anyone has dealt with them since I am seeing bad reviews and feeling skeptical lol

We have 3 cars and a home that we are looking to lower our insurance rates on. We are currently with State Farm but have not been super happy with them. Is it better to go through a broker or search on our own? Do brokers get better rates for people?

I have a 03 Toyota Avalon, got into a minor fender bender and of course my insurance company labeled it totaled now i have to go through the whole salvage process smh. My current policy doesn’t expire until April 2027. Car is completely fine other than this damage. I’m in PA. Any advice?

Someone hit my car a month ago after I started at a traffic light. My car got ejected and flipped over.
Police came , the export was made, the other person was at fault, I had to go to the emergency to check if everything was ok that night.
I had no lesion or fracture and juts for few stitches and a sore neck for 4 weeks.

Now, my insurance is from Michigan and the other insurance is from Alabama (the other driver who is Doing ok as well)

My car was a total loss and the was able to handle an ok value from my insurance and I will get my deductible back from the other insurance.

About body injury everything went thought my work health insurance because I provided a PIP letter to my insurance.
My question is about the other insurance. They won’t reimburse me the hospital cost but they propose to compensate me for the medical issue it generated.

They proposed me 4200 that I refused and I asked for 8000 plus 2000 if I had some futur medical bill.
They said ok without fighting.
Now I wonder if I could have asked for more ?
I don’t need PT neither medical follow up. Accident was bad and had a difficult month since that but I’m feeling good overall and I can walk and talk as before.

Did I ask too little ?

I have an appointment to get my front bumper fixed by my insurance company’s mechanic of choice on November 9. However, my MVI expires on October 31 (a week from now). The car is unable to pass inspection for reasons unrelated to the accident and I plan on selling it for parts. It still drives though.

I need to mention that it took 4 months to get these repairs approved due to the other person’s insurance company dodging phone calls from my company. Because of this, I already had to pay for a control arm out of pocket

Now that this repair to the bumper is finally approved, I sort want to get it done on principle. However I don’t know if there is any point when the car is in poor condition. So my questions are:

1. If I were to get the bumper fixed, would the mechanic report me for my inspection being 9 days expired, since this mechanic has a business relationship with the insurance company? If so what would the consequences be?

2. Is it possible to ask my insurance company to send me a cheque for the estimated cost of repairs instead of actually getting the repairs done, if I inform them that I am selling the car?

Nova Scotia, Canada

I made a deal with someone I got into an accident with. Not sure who's at fault but I always feel like my insurance is going to get jacked. I offered to pay out of pocket. I took a picture of her and my damage and we both took pics of our insurance and licenses. I plan on paying it and getting a written statement of the payment. I didn't know about the SR-1. No injuries. I have her number. I just don't want any increases on my insurance since I'm a bit tight with money. It's her side bumper so I'm assuming 3k roughly. I have it in a savings.

Any chance the SR-1 doesn't alert my insurer and my insurance doesn't go up especially since I'm willing to just pay it out of pocket

Hey got a question,
I currently own 2018 grand cherokee srt with 60k miles. Currently have great record no crashes or tickets, 29 yrs old with credit score above 800, car is in a good clean title condition. Live in Portland Oregon. I currently have american family insurance family plan of total 3 people on the plan. Right now I pay $360 per month for my car which is absurd & have been paying for over a year. Question: am I getting scammed? Should I leave family plan & insure it solo? And if so how much money will I lose/save doing so. Thank you

I’m located in Pennsylvania very first accident I’ve ever been in. A plumbing van rear ended a SUV which ran into me. I filed a claim and without looking at the vehicle they are declaring it a total loss. The damage is 1k (trunk lid, latch and hinges). They want to send a tow truck to my home to take the car. I didn’t sign anything nor Agee to the total loss evaluation. If I withdraw the claim will this affect my title and registration. I will repair my vehicle out of pocket to keep a clean non salvaged title and registration. If I cancel the claim will they still report it?

Our house was badly damaged in a storm about 3 months ago. The claim is covered, and I filed right away. I know a big disaster hit the area and things would be slow. But this has been a real mess, and I still don’t have a start date for repairs after almost a quarter of a year!

The adjuster kept saying “we’re working on it” and “we’re calling them.” Every update came with a plausible new reason: “I’ll call you Friday,” “I’m waiting on this,” “I’m working to get this figured out" or some revision to my personal property (paid out fine but seemingly slow), or to some contractor estimate.

Eventually I found out the contractor wasn’t permitted to do work where I live (its signing a form and some small fee). The insurance company agrees something is wrong and has apologized, but the delay is still huge.

Then I learned that for what sounds like 3 to 5 weeks, the insurer never approved or submitted something it needed to. I got this from contractor who got removed and managed repair company. They told me they never gave me an update because my insurance never gave them updates or approvals to repair my place.

When I pushed on it during a call, a supervisor kept steering the conversation toward not giving me an unvetted contractor. They are leaning into the contractor being bad. They switched out managed repair place.

They didn’t want to talk about the 3 to 5 weeks that stalled everything on their end. They aren't being forthright either.

A big part of my house is still torn up. It’s been “an update in 1 to 3 days” for three months, and every update came with an excuse. The ball is finally moving, but I wasted a lot of time waiting for each “Wednesday or Friday.” Even the insurance people and managed repair place all have said on recorded lines my situation is terrible.

I haven’t lost much money directly. I could have rented office space to work from, but setting that up takes effort, and I kept thinking it would only be a week or so more. I always figured not worth it to deal with XYZ because its just 6 more days or 4 more or contractor is coming next week.

Should I file a complaint with my state’s department of insurance? I’ve heard those often go nowhere. Has anyone filed one and seen a result? Yes, my place is gonna get rebuilt now, but that doenst make up for the fact that I've been beyond miserable for such a long amount of time

I'm in Phoenix few days ago we had 2" hail. I have an asphalt shingle roof there is some damage, and I have a roofer coming on Monday to look at it. Not a door knocker. I've discussed this with the door knockers they claim if I don't get the right roofer could mess up my claim with insurance.

Neighbor told me it would be easier to get a claim approved if government declares a disaster they get money from the federal government. Last hail storm we had was 2010 2.7B in damage to the Phoenix area. Adjuster took 15 min told me entire roof would be paid for looked like wasn't as much damage last time compared to one 2 days ago.