MSU Red Cedar Message Board

Thanks for the link, I tried it and they would save me a little from state farm, but no where close to as much as geico. Geico is offering $131 vs my current state farm $270. Insurance companies are the devil.

USAA is pretty liberal concerning who they will cover. I don't know the details, but my understanding is that if your parents or another close relative served in the military, then you are also eligible for coverage.

Companies do not just raise the prices to raise them. There are enough companies out there that if you think yours is too high you are likely to find another one that is quite a bit lower.

Most people don't realize how an insurance company makes a profit. The idea is for losses + expenses = premiums. You would think this is just breaking even. The profits come from investing the unearned premium in stocks and bonds and other investments. Also companies are required to hold a large amount of reserves. After a bad year where the "losses + expenses > premiums" most companies will have to replenish their surpluses in order to maintain financial stability. If you are concerned about your insurer maybe not being able to pay your claim then check their financial rating. A++ is the best you can be. Michigan Millers in Lansing was just downgraded in the past year, not good for them.

Many companies over the past few years have lost an insanse amount of money on homeowners insurance. This is where you will see large increases although the increases will start to plateau over the next year or so I believe.

Insurance is very misunderstood.

Some people choose think that self-insuring your liability would be a good idea. There are plenty of times where millions of dollars have changed hands over something that seems very small due to some BS lawsuit involving a ambulance chasing lawyer. It is never a good idea.

car insurance is a rip off. people that work in car insurance are all assholes. adjusters are scum.