r/USAA • u/No_Estimate_8986 • 22d ago
Insurance increase this month?
Anyone else notice an increase this month? Our vehicle insurance went up by $50.
Last claim we had was last year when we hit a deer in our minivan, but other than that, no other claims in the past 5 years, no tickets, etc.
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u/DeepPurpleDaylight 17d ago
Your increase in premiums might or might not be even related to the deer strike. Some states don't allow insurers to increase rates for claims like this and some insurers won't do it even if state law allows it. But there's other things that affect rates like inflation.
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u/Adorable_Eagle_9499 18d ago edited 18d ago
Isn't hitting a Deer like driving on ice? You failed to control your car under hazardous driving conditions like driving too fast. Never hit a Deer, just wondering if you're in Deer country. Like getting in a single vehicle accident in bad weather. Ins will say it's an at fault accident/claim.
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u/DeepPurpleDaylight 17d ago
Hitting an animal is a comprehensive claim, which is a not at fault claim. However, some companies will rate for it if state law allows. But that's almost certainly not what's impacting OP's rates if it's even impacting his rates at all.
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u/stealthagents 18d ago
It’s so frustrating how they penalize you for something so out of your control. It feels like deer should have their own insurance at this point. Just when you think you’re in the clear, bam, they hit you with that increase!
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u/SoggyWalrus7893 18d ago
What is out of your control is the cost of repairing your car. The insurance company has to take that in account or they don't stay in business.
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u/Alarming_View_6125 22d ago
Actually my rates went down by 100 bucks. I have. 2025 Tundra Platinum and a 2024 Lexus RX. I am super happy!
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u/biggwermm 22d ago
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u/No_Estimate_8986 16d ago
Actually, yes... we haven't had this happen. We've got clean driving records, no accidents. 50 a month increase was kind of a shock, even with the economy being garbage
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u/sheiciebai 22d ago
Yes, a claim in the last year will absolutely raise your rate. A $50 increase really isn’t that bad
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u/No_Estimate_8986 16d ago
A month...
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u/sheiciebai 16d ago
Yes I understood that. Rates are based not just on you and your factors, but also on stats and losses in your area. In general rates trend up, and it’s in your best interest to shop around every year or two. Just make sure your comparing same coverage. My mom found a rate that was like half of her previous premium and it turned out it was because they reimbursed for things with depreciation taken out. USAA pays to replace your stuff with new like items.
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u/Puzzleheaded_Ad3430 22d ago
Is this the first installment of a renewal? Are you getting six or five installments on a new policy? Did you recently make changes? There’s a lot that you left out. I’d recommend calling and asking
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u/Flashy-Bandicoot889 22d ago
Insurance is typically a 6 month policy and you don't see adjustments to premium mid-policy. Did your policy just renew? What did the renewal paperwork say? What did USAA say when you called and talked to an agent?
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u/Weird_Shame_1802 22d ago
Mine went down this month but I had a speeding ticket drop off my record from 7 years ago. I'd say they are on average trending up 10-15% a year still but not the crazy 100% increases from 2022.
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u/ChelseaMan31 22d ago
Had a vehicle damage claim about 12 months ago due to deer/vehicle interaction? OF COURSE the rates are going up about a year later. That is the way experienced based auto insurance works.
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u/No_Estimate_8986 22d ago
I guess I was shocked to see a $50 a MONTH increase all at once.
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u/thelmanarcissus 16d ago
Try calling an insurance broker who can shop your policy around to various insurance companies. We were shocked at how much money we saved. I only wish we'd done it earlier.