Good Sam Club Open Roads Forum: Truck Campers: USAA Insurance
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monkey44

Cape Cod, MA and Central Fla

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Posted: 06/18/19 10:38am Link  |  Quote  |  Print  |  Notify Moderator

I know we fall into a slightly different category with no towed vehicle. So, us (TC'ers) have standard insurance (we just list the TC as property - It's considered cargo in Florida)

So, we're ready to renew our policy on both vehicles - SUV and PU ...

Many guys on here talk about USAA insurance as very good, and conpetitive pricing. We just got a a USAA quote of DOUBLE our current rate, and from several other companies ... USAA is twice the cost of Farmers, State Farm, etc.

We currently pay about $700 for six months, both vehicles. No accidents, no tickets, no other drivers but me and wife. USAA quotes $1380 for six months... We put about 8-12K per year on truck camping, and about 5K on SUV around town when we're home. So we average less than 20K miles total, around town and camping trips combined as we are retired.

What am I missing??? Why is USAA (supposedly a solid military "benefit") twice the cost.


Monkey44
Cape Cod Ma & Central Fla
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KPetrick

Englewood

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Posted: 06/18/19 10:56am Link  |  Quote  |  Print  |  Notify Moderator

Monkey44,

You list MA and FL. Where are your vehicles registered? Sometimes carriers have had poor results in a particular state and take rate to discourage new business. If you are in Florida give Good Sam Insurance Agency a call and we can shop it for you. We use Progressive, Safeco, National General and Foremost. Keith

towpro

Compass PA

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Posted: 06/18/19 11:09am Link  |  Quote  |  Print  |  Notify Moderator

and it says central Fl below your name, but your signature says JAX Fla.
I know Orlando Fla is expensive but I live north of there in the country.


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monkey44

Cape Cod, MA and Central Fla

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Posted: 06/18/19 12:11pm Link  |  Quote  |  Print  |  Notify Moderator

We retired to Leesburg, Florida now (three years) - Was Cape Cod for almost twenty years, still have friends and family up in that area. Hard to take it out of my signature [emoticon]

Nope, No longer Jacksonville - matter of fact, our insurance went down a little when we moved because we became "rural, not city" ...

The agency we have now, is in Clermont and is local. But we always "shop it" when we come up for renewal, especially when the company raises rates on us.

It's hard to figure DOUBLE for USAA ... that's a restricted company, and supposedly "pick/allow less risky clients" due to those restrictions ... I'd think that anyway.

Funny thing too, as military as Florida is with numerous bases, it would also do homeowners insurance, but it will not write it in Florida. Hurricanes?? Maybe, but usually policies have Hurricane exclusion, or add-on ...

We'll probably stay with this local independent agency, but am really puzzled why USAA comes in so high ... Maybe it truly does not want clients in Florida, but it's international, so Florida is a tiny piece of that pie, but why cut out any pieces?? Baffling !!!

Might take that advice and give Good Sam a call ...

Guess I better change my signature too -- [emoticon] [emoticon]

wanderingaimlessly

SOBOVA

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Posted: 06/18/19 01:38pm Link  |  Quote  |  Print  |  Notify Moderator

It depends on a lot of factors. I was in Cape Cod just prior to moving to Miami years ago for a PCS move, Andrew hit and while they paid off, State Farm immediately dropped me as part of them reducing their exposure in Florida. I'm sure all companies do the same thing today.
For me in Virginia USAA was about 20& cheaper than either Geico or Progressive. And they have quoted me cheaper for when we shift to South Dakota as well.

If you have found a better deal, take it and enjoy it, but every couple of years, go back and check them all again, policies do change.

monkey44

Cape Cod, MA and Central Fla

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Posted: 06/18/19 01:52pm Link  |  Quote  |  Print  |  Notify Moderator

Well, we will enjoy it - but the curious bug always bites me when I see things like this so distorted ...

twodownzero

NM

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Posted: 06/18/19 01:56pm Link  |  Quote  |  Print  |  Notify Moderator

I had USAA insurance for years as well, but it is not competitive for my current vehicles and so I have Geico.

I have their homeowners and it is cheaper than everyone else the last time I checked. I also have a policy for my valuable personal property.

USAA said Geico's rates were too low and they'd go up. Years later and they're still lower than USAA was. I love USAA, but they need to get competitive or lose my business.

wanderingaimlessly

SOBOVA

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Posted: 06/18/19 02:07pm Link  |  Quote  |  Print  |  Notify Moderator

twodownzero wrote:



USAA said Geico's rates were too low and they'd go up.


And that statement tells the tale.

I've always thought the auto insurance industry did this. Geico and Progressive for several decades went back and forth with me, one would be substantially cheaper, and I would switch, and about three years of rate increases, the other would be cheaper.
These companies feel no great degree of loyalty to their consumers, so I dont see a need to feel that way toward them.

If one was cheaper for more than two years, it likely was because they felt the markets had shifted, because statistics say that most older drivers. Those who have been driving and buying their own insurance for more than 10 years, tend to just stay with the company they previously had, and the insurers know this and use it.

Chainwright

San Antonio

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Posted: 06/18/19 02:19pm Link  |  Quote  |  Print  |  Notify Moderator

USAA will go through your credit record and driving record with a fine toothed comb and God forbid you have a felony or misdermenor in your history. Some folks love USAA and swear by it, Me, nah I don't. When I 1st Enlisted in 1990, I called them to insure my car, they said we don't service ENLISTED military members, only officers. I know they service Enlisted too now, but that never sat well with me. I wans't good enough for you then, so you don't get my business now. To each their own. That's my take.

monkey44

Cape Cod, MA and Central Fla

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Posted: 06/18/19 03:01pm Link  |  Quote  |  Print  |  Notify Moderator

The only state the I know regulates insurance is Mass. A state insurance board sets the rates, and only allows companies to petition for rate raises annually. Every driver pays the same rate, subject to specific deductions for good driving, no tickets etc.

So it really doesn't matter there which company you chose. Some companies won't even sell policies in Mass - I'd guess because they can't raise rates, and can't make enough money.

IF insurance is mandatory - which is true in most, if not all states - then it should be regulated as well. AND, yes, it should be mandatory, so we do not become victims of the uninsured. Of course, even mandatory here in Florida, there is still a "fee and choice" for uninsured motorist coverage, and based on the laws there should be none of those ... right? Don't bet on that one.

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