So each time this comes up, the tip is to jump providers to whoever currently has the best rate. No one provider always has the best rate for everyone, and a previous provider that overcharged you in the past may give you the best deal now. There are some smaller providers people usually suggest, but overall, that's the tip.

$150 a month for my wife and I for two cars with liability $300k coverage level and a $1 mill umbrella policy. Cincinnati insurance through a broker agency called Consolidated insurance, Owings mills.

Homeowners is a little expensive, but I like the way the way they write their agreements and the coverage options are extensive.

Dang that's a great rate! I'll give them a contact, thanks.

Yea that's the plan. All state has raised my premium $250/6 months because of 'inflation'. Curious if others have been dealing with similar experiences.

Geico also raised my rates for inflation. I pay about $600/6 months now. I have an excellent driving record but given the high cost of vehicles and medical care I requested high liability limits just in case. People have suggested Erie, but they were more expensive than Geico. Inertia prevailed and I stopped shopping around at the moment.

This was my experience with Geico, who I was very sorry to leave because they dealt with me really fairly after an accident a few years ago. But they went from ~$1200 a year in 2019 gradually up to $1800 a year for 2023 and wouldn't budge when I complained. I'm now with Progressive who took me back to ~$1200.

I'm going to have to get off my butt and start shopping around again. That is very inexpensive compared to what I pay.

I was at ~1200 a year for Geico. My rate increased after someone drove into me (everyone agrees I was not at fault) and after I got my new car... Previous car would have been paid off this year. 😕 Geico called it inflation. But I also added coverage because having been in 3 accidents since 2018 that weren't my fault, I felt I had no choice. I have been in 3 major collisions in my adult life, and those are it.

Two times (1 in Louisiana and 1 in MD) someone bumped me at low speed at a red light/stop sign, and no claims were necessary. I drive very cautiously and very low mileage.

Currently ~1700 a year. So yes that's 250 per 6 months. Will definitely be shopping around soon.

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I have Erie and its great. Mixed with homeowners and 2 vehicles, its great.

I was a Geico customer since 1997. They increased my rate by $400 every 6 months and couldn't give a reason why.

I jumped to my husband's insurance - Erie - and am satisfied with that change.

$686/6 mo via USAA for a newer Lexus - it’s higher than some other folks even with a clean/excellent driving record for two drivers, but has high coverage for pretty much everything. I won’t go with another company even for a lower price because I’ve had an amazing customer service experience across the board with them across several of their product lines!

Plus, Gronk is a spokesperson and he’s lovable and dumb

$870/6mo with travellers (down from $1200/6mo with Progressive)

I have Erie for my car and house and umbrella bundled. At the time (2017) it was without question the best rate for me, and I called like 12 providers. I have been happy for like 6 years BUT I recently realized that while my car rates have been pretty static (and very low) my HOI has been raising dramatically over time, far more than the cost of the house. It's harder to notice because it's wrapped up in my mortgage payment which periodically goes up for property taxes anyway, so it took a while to see. Actually it wasnt until I was helping someone figure out their new mortgage that i used mine as an example and was like wait...wtf!?

Now it seems like it's going to be a PITA to switch car + house, because I will have to get the bank involved. Bleh. Good strategy on their part, I realized this months ago and the task of actually switching seems daunting so it's still there.

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They said the exact same thing and my premium went up that amount also. I called them and asked why it went up because nothing in my policy has changed in 2.5 yrs and I haven’t got into an accident and all they said was “inflation”. I switched to progressive.

Oh that's annoying. I'm sorry. Insurance is such a racket, and they know they can charge whatever they want because it's so tied into things.

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Are you in the city?

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A few miles into the county.

Smart man! 😄

Insurance is hard to compare. Each companies have these robust and vast quantities of underwriting data that take so many factors into account. On top of that they’ve collected this data for decades and all that determines the rate.

Just swapped from Progressive (~$650/6 months - discount for paying up front) to State Farm (~$700/6 months). I have no claims or tickets on my record. Auto insurance is definitely sticker shock for anyone moving here from out of state.

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Cincinnati was great but they raised prices like crazy for us and we had to let them go. I’m still sad about it because they were so good.

220 with Geico. Homeowners included too.

For decades the insurance industry said City residents pay more because they have more accidents. Current stats indicate that the city is on par or nearly so with MoCo, and some other counties, with PG county being higher. Yet we still pay the most.

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$200something with Geico.

It's rising but I'm not jumping. The last 2 times I did, I didn't get the service I do with Geico.

Geico takes care of any and all issues. Progressive and state farm act shifty.

What exactly is the $1200 covering? We have two cars and a house and are now paying approximately $2000 a year with Allstate.

1 car.

I was a SF customer for maybe 9 or 10 years, and yes: they are expensive and act shifty whenever you actually need to use your insurance. They tried to drop me for no reason, had to get the state involved at which point they said "oh it was just an error."

Every time I've comparison shopped GEICO is startlingly cheaper than everyone else.