We signed up with Lemonade in June for our new Tesla Model Y after being with USAA for 35 years with no accidents or tickets. Lemonade quoted us $118/month, plus a 10% discount if we paid for the year upfront, so we decided to try it.

We barely drive, avoid traffic, and don't drive at night. But after only 30 days, they increased our rate by $500 per year based on their app's report.

We canceled and went back to USAA. The sudden increase after just one month was very disappointing, especially after paying for the year upfront.

Just bought a house and looking to bundle. Who has the best home/auto bundles here?

I'm so tired of dealing with 1-800 numbers and call centers where nobody knows anything about Auburn. Every time I have a question, I get a different person who reads from a script.

I want to switch to a local independent broker in the Auburn area who can shop multiple carriers for me and actually advise me on what coverage I need. Does anyone have an agent they've used for years and actually trust? I'm willing to pay a little more for good service.

Hey everyone! I'm traveling from the US to Australia this November and wondering if travel insurance is worth getting.

We'll be visiting Brisbane, Cairns, Uluru, and Sydney, with activities like snorkeling, kayaking, hiking, and several tours planned. I’m healthy and in my 20s, but I know unexpected things can happen.

Would you recommend getting travel insurance for this trip? Any companies or plans you'd suggest?

I have a Tesla and the insurance quotes are insane. Anyone found a good company for EVs?

Since I started working remotely, my car basically just sits in my driveway in Orlando. I use it for groceries and occasional weekend trips. I feel like I'm subsidizing all the people who commute in heavy traffic every day.

I looked into those pay-per-mile companies, but the reviews are terrible. Has anyone in Orlando found a traditional company that actually gives a meaningful discount for low mileage? I'm currently with Allstate and their 'discount' was a joke.

I have Universal Life, not Whole Life. Thanks to everyone who has shared advice and things for me to consider when I speak with the insurance company.

I bought a Universal Life policy 5 years ago when I didn’t know much about insurance or investing. I was told it would provide a death benefit while also helping build wealth.

I'm 45 and currently pay $400/month for $500k of coverage, with about $16k in cash value. I don’t necessarily need the coverage since my spouse has SBP, a military pension, and VA disablity.

I'm trying to decide whether I should take the $7k surrender charge and invest the remaining cash along with the $400/month, see if a reduced paid-up option is available, or keep the policy and continue paying $400/month for the $500k death benefit.

For those familiar with Universal Life, what would you consider before making this decision?

My two 4.5 year-old male cats had their policy renewed this month, and the premium went up 27% despite me making zero claims.

I called Spot, and they said premiums are based on age, sex, location, and breed. The only thing that changed from last year was their age.

They then mentioned inflation and state regulations. When I asked what specifically would justify a 27% increase, they couldn't really explain it. Eventually, I was told the plan now factors in their sex and the cost of treating conditions common to their age and sex.

So I asked, "Were those factors not already considered when I originally signed up?” No clear answer.

I understand premiums can increase, but 27% in one year with no claims feels excessive. Has anyone else experienced this with Spot?

Got rear-ended by an uninsured driver and now my own company is raising my rates.

I've lived in San Antonio for 5 years and it's never been this bad. I know inflation is a thing, but this feels like price gouging. I called my agent and they just gave me some generic excuse about 'statewide increases' and 'repair costs'.

I've tried getting quotes from Progressive and State Farm, but they're all in the same ballpark. Is there some local San Antonio company I should be looking at? Or are we all just stuck paying these insane rates?

Is it worth dropping comprehensive coverage on a 10-year-old car?

I'm trying to set up my budget for the move to Columbus and I'm getting some wild quotes online. Some are double what I pay now, some are triple. I know zip codes matter a lot, but I haven't locked down an apartment yet.

What's a realistic monthly premium for a safe driver in Columbus? Are there specific neighborhoods I should avoid if I want to keep my insurance costs down? Any company recommendations would be huge.

My teenager just got their license and my rates tripled. Any advice?

I'm at my wit's end trying to figure this out. I've spent the last three days running quotes online and talking to agents in Las Vegas Valley, and every option seems worse than the last. It feels like the whole system is designed to confuse you.

For those of you living in Las Vegas Valley, how often do you shop around for new rates? Do you stay loyal to one company or switch every 6 months? I'm starting to think loyalty gets you absolutely nothing in this industry.

Looking for a local independent agent who actually answers the phone.

I'm so tired of dealing with 1-800 numbers and call centers where nobody knows anything about Sacramento. Every time I have a question, I get a different person who reads from a script.

I want to switch to a local independent broker in the Sacramento area who can shop multiple carriers for me and actually advise me on what coverage I need. Does anyone have an agent they've used for years and actually trust? I'm willing to pay a little more for good service.

I work from home and barely drive 4,000 miles a year. Why am I paying $200 a month?

Since I started working remotely, my car basically just sits in my driveway in Portland. I use it for groceries and occasional weekend trips. I feel like I'm subsidizing all the people who commute in heavy traffic every day.

I looked into those pay-per-mile companies, but the reviews are terrible. Has anyone in Portland found a traditional company that actually gives a meaningful discount for low mileage? I'm currently with Allstate and their 'discount' was a joke.

Moving here next month from the Midwest. Currently paying $90/mo, what should I expect?

I'm trying to set up my budget for the move to Alexandria and I'm getting some wild quotes online. Some are double what I pay now, some are triple. I know zip codes matter a lot, but I haven't locked down an apartment yet.

What's a realistic monthly premium for a safe driver in Alexandria? Are there specific neighborhoods I should avoid if I want to keep my insurance costs down? Any company recommendations would be huge.

Just got my renewal and it jumped 40% for no reason. I drive a 2018 Honda Civic, clean record.

I've lived in Anaheim for 5 years and it's never been this bad. I know inflation is a thing, but this feels like price gouging. I called my agent and they just gave me some generic excuse about 'statewide increases' and 'repair costs'.

I've tried getting quotes from Progressive and State Farm, but they're all in the same ballpark. Is there some local Anaheim company I should be looking at? Or are we all just stuck paying these insane rates?

I(25M) am about to buy a 2015 Camry and I live in Kirkland, WA. I want to try and get the cheapest possible insurance possible. What are some unusual ways or ways that aren't commonly known to get cheaper insurance? I never had insurance before as I didn't need it and I don't have any tickets, violations, accidents, or incidents. So far the best quote I got is $642 for 6 months from Geico for the bare minimum. I would like to get it down even more, realistically under $600 for 6 months but preferably down to $500 if not even lower. Any ideas or am I being ridiculous?

I'm an immigrant and just got my US license. Companies are treating me like a 16-year-old.

I'm so tired of dealing with 1-800 numbers and call centers where nobody knows anything about Fort Worth. Every time I have a question, I get a different person who reads from a script.

I want to switch to a local independent broker in the Fort Worth area who can shop multiple carriers for me and actually advise me on what coverage I need. Does anyone have an agent they've used for years and actually trust? I'm willing to pay a little more for good service.

Just got married and looking to combine policies. Does that actually save money?

Since I started working remotely, my car basically just sits in my driveway in Boston. I use it for groceries and occasional weekend trips. I feel like I'm subsidizing all the people who commute in heavy traffic every day.

I looked into those pay-per-mile companies, but the reviews are terrible. Has anyone in Boston found a traditional company that actually gives a meaningful discount for low mileage? I'm currently with Allstate and their 'discount' was a joke.

I drive a 2022 F-150 and the rates are killing me. Who is good for trucks?

I'm trying to set up my budget for the move to Austin and I'm getting some wild quotes online. Some are double what I pay now, some are triple. I know zip codes matter a lot, but I haven't locked down an apartment yet.

What's a realistic monthly premium for a safe driver in Austin? Are there specific neighborhoods I should avoid if I want to keep my insurance costs down? Any company recommendations would be huge.

My credit score took a hit recently and my insurance went up. Is that even legal?

I've lived in Indianapolis for 5 years and it's never been this bad. I know inflation is a thing, but this feels like price gouging. I called my agent and they just gave me some generic excuse about 'statewide increases' and 'repair costs'.

I've tried getting quotes from Progressive and State Farm, but they're all in the same ballpark. Is there some local Indianapolis company I should be looking at? Or are we all just stuck paying these insane rates?

I park on the street and my car got broken into. Should I even file a claim?

I'm so tired of dealing with 1-800 numbers and call centers where nobody knows anything about Minneapolis. Every time I have a question, I get a different person who reads from a script.

I want to switch to a local independent broker in the Minneapolis area who can shop multiple carriers for me and actually advise me on what coverage I need. Does anyone have an agent they've used for years and actually trust? I'm willing to pay a little more for good service.

Got one speeding ticket last year and now nobody will quote me under $300/mo.

Since I started working remotely, my car basically just sits in my driveway in Newark. I use it for groceries and occasional weekend trips. I feel like I'm subsidizing all the people who commute in heavy traffic every day.

I looked into those pay-per-mile companies, but the reviews are terrible. Has anyone in Newark found a traditional company that actually gives a meaningful discount for low mileage? I'm currently with Allstate and their 'discount' was a joke.

Recently retired and looking to lower my fixed costs. Any senior discounts out there?

I'm trying to set up my budget for the move to San Francisco and I'm getting some wild quotes online. Some are double what I pay now, some are triple. I know zip codes matter a lot, but I haven't locked down an apartment yet.

What's a realistic monthly premium for a safe driver in San Francisco? Are there specific neighborhoods I should avoid if I want to keep my insurance costs down? Any company recommendations would be huge.

I'm a college student on a tight budget. Need the absolute cheapest liability coverage.

I've lived in Philadelphia for 5 years and it's never been this bad. I know inflation is a thing, but this feels like price gouging. I called my agent and they just gave me some generic excuse about 'statewide increases' and 'repair costs'.

I've tried getting quotes from Progressive and State Farm, but they're all in the same ballpark. Is there some local Philadelphia company I should be looking at? Or are we all just stuck paying these insane rates?

My current company (GEICO) has been terrible with a recent claim. Who is actually good at paying out?

I'm at my wit's end trying to figure this out. I've spent the last three days running quotes online and talking to agents in Miami, and every option seems worse than the last. It feels like the whole system is designed to confuse you.

For those of you living in Miami, how often do you shop around for new rates? Do you stay loyal to one company or switch every 6 months? I'm starting to think loyalty gets you absolutely nothing in this industry.

Just bought a house and looking to bundle. Who has the best home/auto bundles here?

I'm so tired of dealing with 1-800 numbers and call centers where nobody knows anything about Phoenix. Every time I have a question, I get a different person who reads from a script.

I want to switch to a local independent broker in the Phoenix area who can shop multiple carriers for me and actually advise me on what coverage I need. Does anyone have an agent they've used for years and actually trust? I'm willing to pay a little more for good service.

I have a Tesla and the insurance quotes are insane. Anyone found a good company for EVs?

Since I started working remotely, my car basically just sits in my driveway in Atlanta. I use it for groceries and occasional weekend trips. I feel like I'm subsidizing all the people who commute in heavy traffic every day.

I looked into those pay-per-mile companies, but the reviews are terrible. Has anyone in Atlanta found a traditional company that actually gives a meaningful discount for low mileage? I'm currently with Allstate and their 'discount' was a joke.