@Anonymous wrote:While not completely credit related... I hope it is still appropriate to ask. I've had Geico for a few years, and with out any changes to my driving record my rates go up every 6 months. My last increase was $40 per 6 months (was told based on claims in the area), so I increased my deductibles to bring the price back down as I had been meaning to anyway. I originally went with them because of price in comparison with Allstate. I fortunately have not had the opportunity to see the claims process with Geico (knocks on wood). Where price used to be very important to me, I'm now leaning towards piece of mind while still being frugal. While reading reviews online, there are a few bad reviews for every good review. Is there an auto insurance company that will take care of you when you need them most?
USAA, hands down. Only caveat is you have to have military sevice in your family to qualify.
+
850 FICO8 since 2015, Thanks MyFICO - 5+ years since last HP
Here's some ratings from a popular consumer group. Like all national ratings, they can vary based on region. I currently have Mercury for my home and auto. I also have not needed to file a claim (10yrs), so I'm hoping they are there when I need them. I know they were half the cost of State Farm when I switched.
I do know, from personal experience, to bring your homeowners policy with you when changing auto insurers (multi-policy discount), they may require your roof to less than 7 yrs old. My roof may be older, but not leaking, hell if I'm going to buy a $12k roof to save $100 on my car insurance. LOL
@bada_bing wrote:
@Anonymous wrote:While not completely credit related... I hope it is still appropriate to ask. I've had Geico for a few years, and with out any changes to my driving record my rates go up every 6 months. My last increase was $40 per 6 months (was told based on claims in the area), so I increased my deductibles to bring the price back down as I had been meaning to anyway. I originally went with them because of price in comparison with Allstate. I fortunately have not had the opportunity to see the claims process with Geico (knocks on wood). Where price used to be very important to me, I'm now leaning towards piece of mind while still being frugal. While reading reviews online, there are a few bad reviews for every good review. Is there an auto insurance company that will take care of you when you need them most?
USAA, hands down. Only caveat is you have to have military sevice in your family to qualify.
USAA kicks ass on inurance! With the requirement being military involved they do not get credit in many insurance studies but they are awesome! I underdstand what the OP is dealing with, some years ago State Farm went up on my insurance even though I had no claims or anything but the area got Re-rated and due to the high number of people driving suspended/revoked or no license at all and the hit and run reports, they zoned my area as high risk and my rates went up. I am not permitted to have wrecks on my history and even am a driving safety abnd Emergency Driving Inctructor and they said it didn't matter....the area was rated high so everyone's insurance went up at renewal.,
@Anonymous wrote:Thank you all for your help. I'm currently not eligible for USAA without some work on my end. If it were a matter of just having two generations sign up, it wouldn't be a problem at all. However the way I read it... they would need to have or had an insurance product for the next person to be a full member. Convincing two people to switch insurances (house or car) because I want them... adds complication to the mix. I started the discussion tonight and the reception went well as they are open to the idea of at least looking at rates. Fingers Crossed...
+1
If it helps, here's what I did...
My grandfather was in WWII, and is thus eligible for USAA. However, he's quite pleased with his arrangement with State Farm (and honestly at age 93, it would be a bit of an effort to have everything changed over at this point.)
A few years ago I got him a membership in USAA, and two years ago I helped him purchase their very least expensive jewelry policy online; if I recall correctly the price was around $35 for a year. Once that was done (I paid the one-time premium with my credit card) my father became eligible for USAA insurance. I told my grandmother to simply ignore the renewal that would come in the next year, and not to be concerned with any paperwork that might come in the mail for the policy (and I made sure to set the policy to not auto-renew on my credit card).
Note that once qualified, always qualified, so a one-time small policy is all that would be required to pass the eligibility on to the next generation. It's not necessary to disturb their current auto/home insurance arrangement if they are happy with what they have (or especially if what they already have is cheaper).
Hope this helps! 
@UncleB wrote:
@Anonymous wrote:Thank you all for your help. I'm currently not eligible for USAA without some work on my end. If it were a matter of just having two generations sign up, it wouldn't be a problem at all. However the way I read it... they would need to have or had an insurance product for the next person to be a full member. Convincing two people to switch insurances (house or car) because I want them... adds complication to the mix. I started the discussion tonight and the reception went well as they are open to the idea of at least looking at rates. Fingers Crossed...
+1
If it helps, here's what I did...
My grandfather was in WWII, and is thus eligible for USAA. However, he's quite pleased with his arrangement with State Farm (and honestly at age 93, it would be a bit of an effort to have everything changed over at this point.)
A few years ago I got him a membership in USAA, and two years ago I helped him purchase their very least expensive jewelry policy online; if I recall correctly the price was around $35 for a year. Once that was done (I paid the one-time premium with my credit card) my father became eligible for USAA insurance. I told my grandmother to simply ignore the renewal that would come in the next year, and not to be concerned with any paperwork that might come in the mail for the policy (and I made sure to set the policy to not auto-renew on my credit card).
Note that once qualified, always qualified, so a one-time small policy is all that would be required to pass the eligibility on to the next generation. It's not necessary to disturb their current auto/home insurance arrangement if they are happy with what they have (or especially if what they already have is cheaper).
Hope this helps!
That helps a tremendous amount!!!!!!!!!! Thank you very much!