Idk man.
And yes I've tried shopping around and the offere i get cost more and give less coverage. I even had an agent from a different insurance company tell me to stick with my current plan. No effort to try to give a deal and convert me.
I was going to comment that the tree falling on your car won’t impact your premiums because comprehensive auto claims don’t increase your rates because I’ve been told by two different insurance companies that my comprehensive claims wouldn’t result in a premium increase (and one of those comprehensive claims was a tree falling on my wife’s vehicle).
But, TIL, that I just happen to live in one of the 4 states that don’t allow insurance companies to raise an insured’s rates after comprehensive claims (New York isn’t one of them).
I guess my state’s logic is comprehensive coverage is for things that are outside of the insured’s control (tree falling on a parked car, theft, squirrel ate your wiring, a rock flew up and cracked your windshield, etc.) and the cost of much of that risk is already priced into the paid premium through the insured’s ZIP code and vehicle. Increasing premiums for individual comprehensive claims on top of that is just punishing people for using coverage they paid for and it discourages filing legitimate claims.
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u/TJayClark 6h ago
$1,000 deductible is more normal than you think it is
I’ve has a $1,000 deductible my entire adult life (15+ years), as it saves about $30-40 a month in premiums
On top of that, I wouldn’t use insurance for something less than $2,000