<p>AAA.
When the girls got their licenses, AAA came in lower than we paid without them on our policy and the new total was just about half of what others, including Amica, quoted when including them. We then moved the home ins over, at a higher coverage and about 1/3 lower. Had a little mess when one kid parked a friend’s car- and got super service, lots of explanation time, walked us through everything. Sometimes, we deal with AAA and sometimes with the actual carrier- hasn’t been an issue.</p>
<p>I had Amica for the past 5 years for several policies and loved them, but I recently moved to start my residency and Amica wanted approximately 10x more than other companies for my auto insurance (!!!) so unfortunately I had to switch. But I would highly recommend them if you live in an area where they actually want to sell policies (i.e. are reasonably priced).</p>
<p>lookingforward, How’s home ins with AAA working out? Do they also offer the umbrella policy? I agree with AAA auto insurance, lower rate and excellent service.</p>
<p>Is there a good or bad insurance company? Or is it just a matter of premiums and services? I am looking at Fidelity National Insurance. They have the best rate so far.</p>
<p>We just researched home and auto last year (After being w/ our same company for over 20 years, the local underwriter could no longer handle multiple vehicles in multiple states). Both Amica and USAA (we qualify from parents), were MUCH MUCH higher than competitors. We’ve had very few claims in the last 25 years, except for some minor hurricane wind damage, and one auto comprehensive (flying debris broke the windshield), so I’m not clear why the added cost.
I really wanted USAA, but couldn’t justify the difference in premiums. We went w/ Safeco. Hopefully we won’t be sorry if/when we DO need to make a claim!</p>
<p>I’ve had USAA forever but recently I’m unhappy with them. They raised our auto insurance rates after one incredibly minor incident and quoted another incident, nearly two years old, where our insured party was NOT at fault! Currently, I’m contesting it with the state insurance commission so I will see how that turns out before I decide to shop around. We’re moving to a hurricane state next year so I’m sure I’ll be shopping around soon anyway, at least for homeowner’s insurance.</p>
<p>Windstorm insurance is a big problem. MA had to set up an insurer and require all insurers doing business in the state to contribute. Irony is it was set up after the riots of the 1960’s made insurance in cities unaffordable. (The federal govt set up guidelines.) But they cover the entire state - or rather Commonwealth* - and it has become the insurer of last resort for places like the Cape where hurricanes and coastal flooding are an issue. </p>
<p>Thing is I always found them - and their counterparts in states like FL - to be as responsive as any private insurer, though the coverage may not always be what you want.</p>
<p>In terms of which company … if you have a high end property with lots of detail work then you should consider a company that offers artisan level replacement coverage. It’s expensive. If not, then I don’t think it matters. Check the discounts you get and price at least 2 companies, ideally 3.</p>
<p>*I took over and got done a real estate deal with the MA govt where there was so much acrimony they couldn’t agree on whether it was “the Commonwealth” or “The Commonwealth”.</p>
<p>In HI, after our last hurricane, our state required the creation of Zephyr, to provide hurricane insurance. It greatly raised premiums and our homeowners policies no longer covered hurricanes. Sadly, our leg raided it the other year and only slowly is repaying the funds so funds will be available for future hurricanes.</p>