Didn't see this coming...

Discussion in 'Questions From New Drivers' started by TheSnowman, Feb 23, 2020.

  1. TheSnowman

    TheSnowman Bobtail Member

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    Recently got my CDL and started driving local as a company driver... everything is going as expected except when my insurance renewed. My rates before CDL were actually pretty reasonable but It went up significantly ($300 year) and my record is clean, as in spotless.

    I use a fairly reputable company in WA state - Amica - have multiple vehicles and a boat insured... what the hell? Is it time to shop for a new policy? I've been with them for years! I don't get it... did this happen to anyone else?
     
  2. Chinatown

    Chinatown Road Train Member

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    If you're a military veteran, probably get a better deal at www.usaa.com
     
  3. Dumdriver

    Dumdriver Road Train Member

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    That’s odd. Mine actuality dropped (very minimally), though that was prolly just a coincidence. I’d look into it for sure
     
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  4. x1Heavy

    x1Heavy Road Train Member

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    It has been my experience with insurance that the rates constantly go up over a long period of time. 15 years ago I had two vehicles, full coverage on a home etc for less than 100 flat each month among other things.

    Today I can barely get liability for one vehicle at almost 60 and if I migrate away from the current insurance who is going on 7 of magic 9 years (At 9th year certain benefits kick in which are quite valuable) it becomes 160 a month for one vehicle.

    The other part of the changes (Ive been with the same agent for almost 24 years now) is that if you are making payments on a vehicle not fully paid for and title solely in your name. Then Full coverage is required with all the costs therin.

    However insurance cost rises each month. Slowly. A dollar here two there and so on but upwards they go.

    You might want to ask very hard questions as how is your company doing this Amica?
     
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  5. x1Heavy

    x1Heavy Road Train Member

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    We have USAA accounts as does Navy Federal. Nothing is active with them at the moment because our needs are met locally. However I second the USAA and support NF as the two main Credit Unions capable of given Vets quite a lot, their spouses can also have accounts by right of marriage, widower etc.
     
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  6. Chinatown

    Chinatown Road Train Member

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    Immediate family can have account there.
     
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  7. tscottme

    tscottme Road Train Member

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    Amica is a very good insurance company. I understand the first year with them is the most expensive, all things being equal, and then you start getting better rates and also the "dividend" money as part owner of the company. Doesn't Amica ask a bunch of non-driving questions that they use to determine your rates?

    My CDL never ever affected my personal auto insurance. Perhaps your location or your credit rating is the reason for the spike. Some auto insurance companies will give you a higher rate for a dip in your credit rating than they will give for an at-fault driving accident. I'm suspecting some change in WA laws, or background has changed since last renewal.That change doesn't have to be driving related. I believe Amica is very selective so it could be something small in your background or your location has changed.
     
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  8. Dave_in_AZ

    Dave_in_AZ Road Train Member

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    Try Statefarm.

    They have multiple vehicle/ family members discounts.

    My 17' SS Camaro, full coverage with free glass replacement is $1200 year.

    97 F350 basic coverage is $350 year.

    And I'm in one of the worst zip codes there is for insurance.
     
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  9. TheSnowman

    TheSnowman Bobtail Member

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    Unfortunately no...
     
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  10. TheSnowman

    TheSnowman Bobtail Member

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    That's a factor I failed to mention - good call - My credit rating is probably high 700's if not in the 800 range... I'm never late on a payment... The boat is the only thing I have a payment on, Truck and car are payed off but I still maintain full coverage on both.

    The one thing they started doing differently is they went from an annual policy to a 6 month... the only claim I've had in years was a windshield...
     
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