If they cared, which they don't.

 

They care….no company wants to lose money. It was TD Insurance

 

Yeah, the reason is obvious lol

 

People cancel or change their policies for all kinds of reasons. Money is only one of them. In fact, GEICO with its Gecko lizard, talking-camel, cave-men, and dollar-bill stacks, Progressive with perky Flo in her white suit, and Allstate with the "Good Hands" image all have had remarkably strong and effective ads.

 

And you pay for those ads in your premiums. The Ads don't sway my decision as to who to do business with. I want a good company who isn't going to leave me in the lurch or try and squirm out of claims, and a good agent who will look out for me...and the best price, in that order.

I guarantee 95% of cancellations are because of money.

 

The difference for me was $1000. I went from TD Insurance to Costco. The outgoing company does not need an explanation of why I left. They just need to know I am leaving. For them, there is no why, there just is.

 

And they already know why!

 

I remember one time. The library in Toronto sent me a survey about improvements to the central library or some branch. They gave this long list of choices what I’d like to see improved. So I chose the option of landscape, trees and flower beds. Just to be difficult. Like they had all these other options, better hours, more staff, more self check out….but some idiot decided that trees and flower beds should be on the list. There was on only one choice to pick to.

Maybe I should have told the lady on the phone at TD some really ridiculous reason….like the “absence of TD bank machines on the beach” or something … “so I am cancelling the insurance… even though I don’t have a bank account with you”

something stupid and bewildering

 

I am with USAA and my rates have gone down the past few years. I pay roughly $350 per month for two cars with $1 million liability, $2 million umbrella, and homeowners insurance.

I think since you are in Maryland/DC area, a lot of military in that part of the country and a lot of storm damage to contend with. So it makes sense USAA would not fair as well as a carrier with less military dependence. Here in San Diego, by far the cheapest for me is USAA and Amica which are also the two highest rated in the country. However, Amica limits what they insure.

We should be lucky we are not in Florida where they are paying $4k-$10k per year just in homeowners insurance. But yeah they have no state income tax.

 

Hahaha! You should have! "I wish the insurance cards were blue"

Have you shopped it? For instance what you pay is about what I pay for the same things with Progressive. I bet you could pay less.

 

as mentioned i'm paying about $1200 for 6 months right now... check out this quote while 'shopping'

 

Tier 3 discount insurance companies don’t offer high liability limits for high net worth folks. Cater to average Joe.

also would not switch from Tier 1 insurance to Tier 3 to save pennys.

 

My liability limits are the same as yours. Keep on believing that marketing lol

The plural of penny is "pennies", BTW.

 

haha. That is funnie…

 

I'm just an average joe, so my humor is not so refined lol. Luckily my parents were able to sell their shoes and get me spelling lessons!