I have State Farm and pay about $750 monthly for my several cars and teenager. Every carrier I quoted with (the major ones that everyone knows) All wanted $1,100 or more per month for exact same coverage. These people are crazy!!! The $750 I think is already too high. 3 cars, 1 truck, 2 adults and a teen. No accidents, tickets, or claims for anyone, ever. Going to try a local broker tomorrow. Maybe they can help. Are other people seeing the same crazy differences when getting a quote? Any good experiences using a broker and anything I should watch out for? Never used an independent broker.

Hello, I just found this sub. I am looking at getting pet insurance. I have a 3 month old cavapoo. I was going to go with fetch until I saw all these horror stories. I am in Canada. Any suggestions? I got quoted $108 with trupanion. Seems high. Fetch was like $60 with the wellness. I notice they all jack up premiums based on whatever yearly too. Even if trupanion says it's not based on age, they can blame it on whatever. I asked them and they said they're is not cap on how much premiums can increase. I understand it's a gamble. Might never need it but I want the piece of mind of having coverage.

My girl will be 8 in October. Premium went up last month but nothing too crazy yet. She has a very slight heart murmur that’s not affecting her (yet) and hip dysplasia, so I’m very concerned that if I switch those won’t be covered since they’re pre existing. But it sounds like Healthy Paws will be too expensive in a couple years anyway. Does anyone know of any insurance that does cover pre existing conditions?? (That’s probably a stupid question.) Should I switch now before something else comes up?? If so, what other insurances are good?

I recently submitted a claim to Trupanion and it seems kind of weird. For example, let's say I claimed for $1000. The deductible is $200 and a 90% coverage rate, which means I pay 10% coinsurance. So based on that, I thought the math would work like this: * $1000 - $200 (deductible) = $800 * 90% of $800 = $720 → Trupanion pays * 10% of $800 = $80 → I pay (coinsurance) But instead, here’s how they seem to calculate it: * 10% of $1000 = $100 → My coinsurance * $1000 - $100 - $200(deductible) = $700 → Trupanion’s portion This feels off to me — like they’re applying the coinsurance *before* the deductible, which doesn’t seem logical. Shouldn’t the deductible come off first, and *then* they apply the 90% coverage to the remaining amount? Has anyone else experienced this with Trupanion? Am I misunderstanding how their calculation is supposed to work? Is all other pet insurance company calculate the claim in this way?

Has anyone done the PTIT program recently? I got a citation for suspended registration in January and my court date is next week. Today I got a post card in the mail saying my case might be eligible for PTIT. This is my first ticket/citation ever in life so I’m just not sure what to do. My registration was suspended at the fault of my insurance company. In October 2024 I switched from Progressive to Geico and Geico never reported my new insurance to the state so I was unaware I had been driving with suspended registration since about October 2024. I have since called my insurance company to have them report it and make everything right. My registration has been restored and fees waived. The officer told me on site that if I just call and have them do this I wouldn’t have to appear. I called the court today and they told me I still had to come despite what the officer told me on the stop. Should I consider PTIT? I think this may be a program only in Atlanta, but I’m not sure. Should I see a judge and provide my documents and hope they throw it out? I just don’t want any points on my license or charges against me so I’m not sure what to do. With PTIT do I pay same day I go to court? How does all this work

I own four vehicles. They’re all older and there are frequent repairs, so I rotate through them. My 24-year-old son also rotates through them, but mostly uses only one of them. We own that vehicle together. Both our names are on the title. He rents an apartment in a different city an hour from me. My name is on his lease as they would not rent to him without having much rental history. He was required to have renter’s insurance, so as one of the renters, my name is also on the renter’s insurance policy. My auto insurance company just notified me that my policy will be canceled because “Not all vehicles are regularly garaged at your household. Therefore, this risk is unacceptable and we cannot continue your policy.” My question is, is there any point in me arguing with them? I rent the property so why can’t I keep one of my vehicles there? It’s in the same state, only an hour away. What do people do who have college students who are away at school? What do people do who own multiple properties and keep vehicles at both of them? Is there anything I can do or should I start looking for a different company? Are there any companies that allow multiple garages? Thank you for any help. *Edit* my son‘s permanent address is my home address, if that matters.

If this is normal I'm not going to fight it, just stupid because I had NEVER been in an accident before and mine would've been minor had it not damaged my front radar sensor.

In December of last year, I purchased a plan from the Georgia Marketplace. A dental plan. I have called 4 of the offices mentioned under their provider tab and nobody accepts this insurance (solstice -Essential Smile GA- Total Care). One of the dental offices even mentioned that that particular insurance does not cover anything. Would this count as bad faith, false advertising or a 23 year-old learning the hard way about America's health/insurance issues.

CA folks — need some insurance wisdom. New home in contract → current home becomes secondary. 2 autos + want an umbrella policy. Been with GEICO forever but they keep hiking rates. What’s the smartest way to shop & compare bundled quotes for all of this in California’s nightmare insurance market? Any go-to brokers or tools you recommend?

I noticed my bill in an email was way more than normal and checked my payment history only to find out it’s the second time they billed me for that amount since I missed the first time (I was on vacation). I called and apparently they added some random guy. I finally figured out it was a guy I had in my car when I volunteered at World central kitchen delivering free food to hurricane victims. This guy rode in my car once for half the day. They said they emailed me and sent regular mail telling me about the change. I never got them because the vacation. They will not tell me how he got added to my policy and at one point hung up on me and I did not raise my voice and was polite but firm in asking what happened. I still have no answer. And instead of refunding me the money they just paid my bill for the year with the fund they took. I pay monthly normally. I did not share phone info or have them track my driving with progressive so I cannot understand how they added this dude to my insurance. I remember this guy rode a bike everywhere and since my insurance went up so much I’m guessing he has a bad history. How did they add this guy to my policy? I’m planning to change insurance providers any suggestions? Thanks for any info