Posted by Ron-MO on February 12, 2016 at 07:02:53 from (108.171.131.170):
In the past month or so I have been looking closely at my insurance, both farm/home, as well as vehicle, as my farm/homeowner policy will be up for renewal in May. Last year since I was late in the game I choked down the increase, and renewed for another year with the plan of going over the policy early, and probably doing a bit of shopping around in 2016. I can go online and review my payments over the past 5 or 6 years, the average increase is approx $100 a year. I understand that I also have the policy set up to automatically increase for "inflation protection", however I am not so sure that the value of my property has increased nearly as much as their rates have. And roughly 25% increase in premium over a period of 5 years or so is way too much in my mind, Looking for others experiences, and if anyone has any expertise in this arena? I have read many times that insurance companies provide a much better price/rate for new customers to attract new business, then slowly grind it in with renewals as might be the case here. While I do not like the idea, I am not beyond swapping companies every year or two, basically flip flopping the company to keep better premium if it saves even $100 a year. The last time I shopped I did end up switching and dropped my bill a fair amount for similar coverage, but just shopping is painful, and time consuming, and now I am right back where I was then some. To keep this tractor related, I do insure my ship which houses my tractors and tools.
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