I’ve been paying about 80 a month liability only on one car, added another now it’s 255 this month and 155 from here on out. For context I’m a 24 year old male in NM. I’ve had a good amount of traffic tickets idk how negatively that’s impacting my rates. I have progressive. I always hear about people paying way less than me for liability or the same as I pay for liability they get full coverage for that price. I’d like full coverage but the price would be a lot, if I’m gonna have liability only I’d like it to be nice and cheap. Am I doomed to high prices being a 24 y/o with traffic tickets? Where can I get it cheaper? You always see those insurance commercials claiming super low rates online but I don’t even waste my time figuring it’s bs. I haven’t shopped around in a long time is it worth it to now? Or even better than shopping around, maybe someone here can tell me where and how to get it much cheaper.

No claims in 12 years with Allstate. Hear their home claims are a nightmare. Hear good things about Amica. Carry homeowners, 2 autos, and an umbrella. Would cut my auto insurance half but double my homeowners leading to a wash prior to the amica dividend payment. Couple questions: What do you use to calculate your replacement cost for a house? Do you make any changes to that calculation if the policy has an overage waiver? My Allstate is 20% and the quoted amica is 30%. Any reason to carry additional structures if I don’t have a fence or our buildings? Any others to look into for insurance? With amicas rates in auto, it could make sense to break out my homeowners if we don’t choose to bundle.

Do agents typically approach you? I was approached by a woman with a tablet telling me about insurance plans and claiming she was from ACA. She asked me if I wanted to apply to see if I were eligible and told me that I could cancel at any tome should I enroll in it. Turns out I was eligible for a basic plan that I pay 0 dollars for. So I am a bit skeptical about the whole thing. I have a screenshot about a confirmation on an onboard app. It has a Premier Secure number to cancel. I’m 90% my dumbass got scammed or something. I’ve done an enrollment with a Blue Cross Blue Shield insurance in a similar manner but I canceled that one because the mandatory doctor was an hour away.

It’s a long story but I’ll try to shorten it. I’m not 100% sure how insurance works. My car is under my name but my insurance is shared with my parents. My parents have a few other family members included (me, one sister that is 25, an uncle, an aunt). But my Toyota Corolla 2017 is under my name, automatic payments under my own bank account, etc. I guess my parents own the whole insurance policy but the car is under my name. My bill in December 2024 was raised to $400 (NOT full coverage) They won’t give a clear answer as to why they raised my bill so high. But I let it slide. I saw it as a consequence to our current economy. In february they charged me $825. No clear answer. They gave me unreasonable excuses such as being under 25 (I’m 28), or someone else under the policy is under 25 (no one is under 25). Someone that USED to be on it was under 25 but they got their own insurance under a different company over a year ago. But they used that person as an excuse either way. We even sent proof that they are no longer with State Farm and for how long but that wasn’t enough. We dispute it. They compromised and said I won’t have to pay my “$400 bill” for March. Technically half of $824 isn’t $400 so in the end they won an extra $25 from me. Today they told me I still owe $200 this month and $200 next month. That they’re splitting the $425 between March and April. PLUS they randomly began charging my 25 yr old sister an extra $26 AND used the name of the person who was under 25 on that bill (again, that person has not been with us or state farm for over a year). Does anyone have any idea what’s going on? We’ve never been late on payments, we paid off our cars, we never fight them when they raise our bill (except for this time because $825 a month is excessive). My last accident was in 2022, it was not my fault, I never filed a claim or asked for money to fix my car, I asked for info about my options 2 years after the fact (in 2024) but it was too late to do anything about it anyway. I’m planning to cancel my policy with State Farm but I’m still curious about what is happening here.

My girlfriend received a collection letter last month about an outstanding AllState Insurance bill she does not believe she owes. Following my advice, we sent a debt validation letter to the collector, using a template we found on the cfpb (consumer financial protection bureau) website. The response from the collector did not make much sense to us. They essentially said "we need more information from you to provide the info you asked for. You also didn't provide any info to dispute the debt"....which is not what we were trying to do. Does this response mean they do not have the information to validate the debt? Or did the template we used not do what we expected? Is the next step to file a complaint with the cfpb as [this](https://www.consumerfinance.gov/ask-cfpb/what-information-does-a-debt-collector-have-to-give-me-about-the-debt-en-331/) page suggests, or do we just ignore this and go on our way? By the way, this isn't affecting her credit yet. **First two images are the validation letter we sent. The last image is their response:** https://imgur.com/a/EWyOVfO

I have a long winded question. I want to preface this by saying I am not into fraud. I am a public employee and can’t have any issues related to that. 3 years ago we had a bad hail storm in the Chicago area. We have a close friend who is an adjuster for a roofing company. We coach our kids together and he tells me “hey do you want a new roof?” He tells me everyone is getting approved after the bad hail storm. I have zero experience with this so I said “of course.” I figured that’s why I pay insurance and this guy said it so non-chalantly so I agreed to it. He comes over, looks at the roof and submits a claim. A week or two later he tells me that our insurance denied a new roof and only said they would cover $1,000 in repairs. In my mind it’s a win since we get repairs done. Fast forward a year later and we have another hail storm. Our friend says to me “this time you will definitely get a new roof.” Again, we have no idea this is an issue. He looks at our roof and submits a claim. A week later we get a call from our agent and they tell us they are likely going to drop us. This is where my wife and I panic and wonder “what the hell is going on?” We get the insurance to stop the claim and somehow they do stop it and we don’t get dropped and don’t get the repairs done. So far no issues but still we are very worried about it. Since then we have had a few roofing companies out and the prices are crazy. Like 12k just to repair and 25k to replace the whole roof. My question is this: Would you recommend that we replace the roof on our dime? We have the money to do it. This is what I’m leaning towards but what happens if we have a really bad storm with significant damage? Does State Farm drop us but still have to pay for the damages or replacement? I don’t want to replace the roof, have significant damage, and then State Farm says nope you’re dropped and we aren’t paying? OR, should I switch insurance companies before any work and then replace my roof anyway to lower the premium cost with a new insurance company? Insurance prices are ridiculous right now but state farm is still lower than any other insurance company I have had quotes from. Thank you for any advice you can provide. Edit: I agree with all the comments that the guy screwed me. I am aware that the claims follow me. I need to find an honest person who can tell me if I really need a roof replacement. If not, I’m willing to ride it out until I do actually need a replacement. The thought of doing it now came because in 5 years we will have 2 in college and one in high school. We figured we would take the expense now rather than in a few years when money is a bit tighter. Still unsure of what we will do. I don’t think I need a new roof immediately but I know it will be in the next 5-10 years.

Ok, progressive is sending me a massive rate hike for next month, and i've had it. I need the literal cheapest option, for insurance prices , here in CA. Its insane. I cant pay 1000 a year for a crappy car, so i need the affordable answer. Hope someone has answers out there. hope.

My cat is getting up there in age so now I'm trying to find a good pet insurance for her. I'm mainly looking for one that would also cover dental. I've been looking at Spot, but lots of people have said it's a scam, and from what I've heard AKC insurance doesn't cover dental.

My father died and we are in process of cleaning and getting ready for resale in Illinois. I called State Farm and explained they told me the renewal in October may be subject to non renewal. And said to add a vacancy clause will be very expensive. Should I shop Around now or wait? I am executor. What happens to utilities if house isn’t insured? Someone told me they get turned off.

My gf (f21) is currently insuring a 2019 gmc terrain for about $225 a month, however she got her March bill and it has more than tripled to $1200+ dollars for this month. Continuing months will be about $800, she has made one claim about a year and a half ago. My question is, is hasting mutual required to give notice of a premium increase and a reason for such increase?