Regional Talk > Chicago > Insurance

Insurance

Have you considered raising your deductible to $1k and then shopped for new quotes?
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»aiossalaw.com

I didn't raise the deductible but not a bad idea. I did do quotes over the internet and they all come up cheaper except State Farm.

I also checked out AAA but not sure how good they are with home/auto.

reply to gdm
I found this site interesting when looking for new homeowners and auto insurance.

»insurance.freeadvice.com/reviews/index.htm

reply to gdm
We use state farm for our home owners, auto and umbrella policy.
Not sure exactly what we pay but I can find out but we've otherwise been happy with them.

I know a few people who have Farmers and really like them but have no personal experience with them..

reply to gdm
I read recently that Allstate was planning to increase rates across the board, so it's certainly not just you:

»www.suntimes.com/business/159318···.article
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If everything seems to be going well, you've obviously overlooked something.

Yeah it was across the board because they don't want to lose money because of the storms. Since the storms were so severe last year they decided to do a 20% hike increase for all of IL.

The ding on my claim was basically a discount for not having a claim. Which when I first came back to Allstate I didn't have that. Since I filed a claim that increased it 15%.

Either way it just pissed me off that the Allstate can't notify it's customers they just do the price increase.

Back to your question, though: I use State Farm for auto (2 years) and renters' (7 years). They've been good, but my experience is limited because I haven't had any claims.
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If everything seems to be going well, you've obviously overlooked something.

I appreciate the feedback from everyone. The claims question is something I am asking all the agents. What happens if I have a claim on home or auto? Allstate did this with the auto years back on auto. Then suddenly a few years after that people left. They came out with accident forgiveness program.

reply to gdm
I am shopping around as well. Allstate raised my rate by $120 and I have never filed a claim. I'm not sure how it all works out as I see myself as low risk.

Well all homeowners rates were raised by 20% regardless of claims status or any of that.

reply to gdm

They're all doing that.

reply to gdm
SF was on par with Allstate for homeowners according to the web.

So far others have been under but I want to verify that with an insurance agent vs the web.

reply to gdm
Checkout Amica, I think their office is in Oak Brook. Excellent company.
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What if the Hokey Pokey really IS what it's all about?

reply to gdm
Update for anyone following the thread.

I finally talked to my Allstate agent. I had a 15% discount for not having a claim on homeowners and since I filed it that removed the discount! .

I have quotes from American Family and Amica. For some reason Amica is really high on the home because of it's age. Waiting on Farmers to get back to me.

reply to gdm
I had the same thing happen with Allstate last year. Lost the "no claim" discount when I filed for my roof damage. Though I do get a discount for having Home and Auto. Check with your agent regarding that

I have discount for having 2 autos and home with them. Once you file a claim they take away the discount for home owners. Talking to other insurance companies that's known about allstate is the discounts but once you file you lose it.

I did talk to the agent. Since I filed a claim it removed the 15% discount for not having a claim.

$1000 would lower it but not to what I had. I would have to go to $2000 to get back to where I am.