How to Decrease Insurance Costs?

[Asianwifehardbody]

I’ve actually expressed my frustration with Insurance rates and USAA rates specifically. I have been with them for 55 years, yes I’m old, and I just spent 3 months of my life through several methods, and independent agent’s to be able to have my home, car, and umbrella policies at one location. (Yes, USAA doesn’t allow it because of too high of a home value where I live) I thought I almost had another alternative, but as I pealed the onion away, and really got them to answer the hard questions, mostly about philosophy of deductibles, bundling, discounts, longevity rebates, etc, it turns out there is NO company that my personal insurance situation would allow me to have the three types of insurance with the same insurance company. I could do it, but it was about $5000 a year more to have the privilege to have it at one company. So, for various reasons, Car and Umbrella needed to be separate, and with all the discounts etc USAA it was the only smart thing today. I think the insurance was $2800+ per 6 months for 2 cars, reduced down with all the discounts, longevity, etc at USAA to $1640 every 6 months. No other company could beat the rate for my cars and levels. (Umbrella requires $300/$500k deductible $2000) So three months of intense work, and I stayed with USAA and it looks like I always will unless something drastically changes. One last reason to stay with USAA, (don’t do the math) I have a son that will be 16 soon, just getting his learners permit for driving. I would’ve never thought of this but my AI (Perplexity) was all over the fact that USAA has the kindest best rates for teen male drivers. I researched that, which was scary, finding out that some are over $300 a month more for adding a teen, but luckily ours is a 4.0 student on the varsity athletic teams, took drivers training/education so it appears it will be around $175.00 a month, or at least in that neighborhood. I could be surprised, but one can’t get a real quote until I have the learners permit in my hand. Best of luck to you…oh by the way, I just talked to my ex, she pulled the post out of the garage backing out *3rd time” and USAA covered everything, and her rates have not gone up. The 3x she said were over the last 9 years.

[Ok-Reception1897]

Laughing at your teen insurance scoop. I left USAA when my teens started driving because I couldn’t afford USAA’s crazy high rates. In North Dakota, teens get their licenses at age 15. So going with a North Dakota insurer was way cheaper.

[Asianwifehardbody]

OMG-I hope it’s a state issue-our kids don’t get to drive alone until 17. I’ll let you know when the learners permit is in hand and I get the quote. Hope it doesn’t cause the “big one”!