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Old 03-01-2016, 01:07 PM   #29
Tom T
 
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Quote:
Originally Posted by Bucky View Post
Go see an independent insurance agent. He can shop lots of markets. Be sure to combine cars with homeowners. Airstream can be covered for stated amount under comprehensive coverage on auto portion. Out our way Safeco Ins. Co. does a good job.
"Stated Value" is different & less valuable to the insured than "Agreed Value", because the insurer can reduce or depreciate the former, which has not been the case with vintage trailers - since they have been going up in value.

Folks should read up on Stated vs. Agreed Value - both in general by googling for articles from respected sources, Consumer Reports, etc. - on your insurer's specific policy terms - as both types can have clauses not beneficial to you!

Since vintage trailers, homes, personal articles (jewelry, silver, art, etc.) on your policies can go up in value, you should have their values reviewed & re-appraised every few years, & then adjust your coverages & Agreed Value accordingly.

Just Sayin'!
Tom
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Old 03-01-2016, 01:08 PM   #30
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I echo that USAA is not the place to go and I have been a member for 46 years. Once upon a time I had all of my insurance with USAA but they decided risk was too great in Eastern NC and stopped insuring homes here. Then they got back into the business but their rates are 3X what I pay with Nationwide. When I got the AS I determined that USAA throws that off to Progressive so, again, I went with Nationwide. I still have car with USAA but they have been increasing rates every year, I have no claims, no tickets, no accidents, and a credit score over 820. My theory is that when USAA decided to expand their member base, their risk profile looks like every other insurance company so they can no longer have significantly lower rates. In any event, for auto, if it were not for my annual subscriber bonus and senior bonus, my auto would be cheaper at a number of other companies. So, I am still insuring cars with USAA.
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Old 03-01-2016, 01:18 PM   #31
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The reason your frig has not gone up is because frigs. can be sold openly between States, thus competition. Unlike auto, RV and yes, health ins. , which is State Reg. by design, so as to minimize consumer buying leverage and competition , they can stick it to you. Yes, and we keep voting the folks in that keep this scam funding their elections.
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Old 03-01-2016, 02:07 PM   #32
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Agreed Value

For vintage owners...I have an article on 'Agreed Value' by Hunt Jones posted here...

http://dwmorrison.com/BreakingNews.html

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Old 03-01-2016, 03:32 PM   #33
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insurance increase

If you have placed a lock on your credit your insurance company will assume that you have a credit score of zero. Happened to me.

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Old 03-01-2016, 03:38 PM   #34
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Originally Posted by lsbrodsky View Post
In any event, for auto, if it were not for my annual subscriber bonus and senior bonus, my auto would be cheaper at a number of other companies. So, I am still insuring cars with USAA.
Larry
When I stopped using USAA and got my subscriber bonus cashed in. We were able to pay a semester's worth of my daughters college expenses with it. So it worked out.

Kelvin
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Old 03-01-2016, 05:55 PM   #35
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I switched from State Farm when they went up double on premiums, with no claims in our part. Went with American Family. Very good to us for 4 years now
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Old 03-01-2016, 07:41 PM   #36
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Quote:
Originally Posted by lsbrodsky View Post
I echo that USAA is not the place to go and I have been a member for 46 years. Once upon a time I had all of my insurance with USAA but they decided risk was too great in Eastern NC and stopped insuring homes here. Then they got back into the business but their rates are 3X what I pay with Nationwide. When I got the AS I determined that USAA throws that off to Progressive so, again, I went with Nationwide. I still have car with USAA but they have been increasing rates every year, I have no claims, no tickets, no accidents, and a credit score over 820. My theory is that when USAA decided to expand their member base, their risk profile looks like every other insurance company so they can no longer have significantly lower rates. In any event, for auto, if it were not for my annual subscriber bonus and senior bonus, my auto would be cheaper at a number of other companies. So, I am still insuring cars with USAA.
Larry
Well said Larry. I'm a 30 year member, so that means that I was in the original risk group that USAA was founded to serve. I signed up for USAA the day after I became "an officer and a gentleman" back in '86 (for those of you that know me, insert your joke here).

The members took a vote several years back to, essentially, allow anybody that ever wore the uniform to become regular members (and that's cool, up to a point). What does that really mean? USAA was originally founded to serve military officers. Now anybody even remotely connected to the military can become a member. Back in those days, military officers were in one risk group and their family members (only) were in another, basically a low risk group and a higher risk group. Regular members and "associate" members respectively, if you will. I think that's how the were classified back in those days.

I did NOT vote in the affirmative for this change. No offence to anybody, not at all. It's just not the point of a "Mutual" company founded to serve a particular group of people. Other "Mutual" companies operate to the exclusion of certain folks, that's kinda the point. That's cool, too. There really is no exclusive group any longer at USAA. And members have suffered for it. Customer service is definitely not it used to be. I must say, however, our rates are not too bad. We have our cars and home still insured there and it's not bad at all. Customer service is another issue. We've never had a claim with any policy in 30 years. But if you have to call in these days, the person that answers the phone is, well............

Jim
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Old 03-01-2016, 08:08 PM   #37
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So to get back on track from my silly diatribe .......

The reason that we are with Progressive is because USAA pushed us in that direction. USAA doesn't do "agreed value" on Vintage Airstreams. They suggested we call Progressive. Looks like we'll be shopping around now.

If I may ask, other than the suggestions already listed (thanks Alan), what companies are y'all using and what hoops do you have to jump thru?

Jim
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Old 03-01-2016, 09:32 PM   #38
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Shop Shop Shop!

The insurance companies know that very few of their customers will EVER shop their insurance needs. Each and every year they tell you they "give" you a little Mo Insurance on your home as the cost of construction has gone up. They did not "give" you ANYTHING. You paid for it!

Unfortunately most folks know very little about what they are buying when buying insurance. You tend to buy insurance from a friend, relative or off the internet. None of which has your best interest in mind. Buying insurance on the internet really amazes me as so few people actually know what their insurance needs truly are. I'm reminded of the Farmer's Insurance commercials where they continually talk about being properly insured. Personally I'm impressed as that's what truly is important. All Progressive, State Farm and other's talk about price and how much Mo Money they will save you. Sounds like most of you certainly got all those savings they talk about!

Want to save money?

Shop your insurance coverage every year.

Sure it's work, it takes effort and you going to have to learn a little about the insurance coverage your insurance needs and wants to be an effective shopper. Now I said "Shop" your insurance coverage every year. That does not mean you will change companies every year however it sure can help make you aware that "sticker shock" at insurance renewal time does NOT have to happen.

9 years ago I left State Farm after 20 years. Rates on my homeowners insurance doubled from $2K to $4K over a 5 year time period. They made me an insurance shopper!

By shopping I got BETTER coverage at a cost that was back down to $2K. By the way that State Farm agent who LOST the business called back 3 months later with a new premium quote of $2600. What happened to $4K 3 months ago at renewal time? Why was that renewal premium not $2600 at that time? SHE had no answer to those questions. She still does not have my business!

Insurance is now a COMMODITY PRODUCT therefore shop for insurance as such. Learn about insurance requirements in your state, coverage that matches your needs and shop yearly for the best product at the BEST PRICE.
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Old 03-01-2016, 09:50 PM   #39
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USAA went straight to hell in a hand basket when they contracted with UNUM, the baddest of the insurance bad boys.

Jay and Lisa
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Old 03-01-2016, 09:56 PM   #40
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USAA went straight to hell in a hand basket when they contracted with UNUM, the baddest of the insurance bad boys.

Jay and Lisa
UNUM? Not familiar with them?? Is that some sort of outsourcing agency? PLEASE tell me they're not offshore. I dump the whole lot if they are. And there's a LOT in my lot with USAA.

Jim
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Old 03-01-2016, 11:25 PM   #41
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We had no hoops with AAA, other than submitting the estimate of value, purchase & title docs, they looked at the trailer & took pix, then got it registered with their DMV services (it came into Ca from NM) .... very straightforward & they're on 12 month policies - so only one shot every year to jack up your rates. IMHO it's worth calling them. They also can do home & car etc.

I shop all of the others mentioned above about every year or so to see if I can do better, & did so before we got the trailer - but not so far.

Good Luck!
Tom
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Old 03-02-2016, 01:29 AM   #42
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Been with USAA 60 years come Oct. '17, always good service. They never argue with claims. Being a senior member I get about $2,000 back each year from the subscribers account. Which is really a return on premiums paid. They did quit insuring boats due to excessive hurricane losses and sent me to Progressive with a USAA discount. They are still covering my Airstream. If I shop for cheaper insurance the new insurers quit talking to me if they find out I'm with USAA. I have a lawyer friend who advised me to stay away from any insurer with "Farm" in their name. He says they give him the most trouble.
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