Fed up with Alfa, should I be?

[SL6827]

We are a very long time customers of Alfa Insurance and I am thinking they are really just taking advantage of us and I am about to part ways with them. I was wanting your advice before I approach them with our pricing. I have felt like they have been raping us on our car insurance premiums for a while now and I have just not said anything. Now its the home owners, and I am pissed.

Here are our premiums for the past two years and this years. 2018- $1260, 2019- $1365, this year- $1535. This year is an almost 18% increase since 2018. No claims what so ever. No claims on any insurance of our fault. I will have to pay at least six months worth but if they don't budge I will go elsewhere with the home owners in six months and start looking at auto insurance elsewhere now.

 

[gottalovepluto]

Did they change your coverage? Sometimes they’ll up your coverage beyond what you had before and even beyond what you find reasonable for today saying they are accounting for “market conditions” and it very conveniently hikes premiums in the process.

 

[SL6827]

Did they change your coverage? Sometimes they’ll up your coverage beyond what you had before and even beyond what you find reasonable for today saying they are accounting for “market conditions” and it very conveniently hikes premiums in the process.

Good point. They may have. I will check on that. Ya, they could have upped it when what we had was sufficient. Thanks for the tip. But almost $200 in one year, that is a lot!

 

[barkley]

you could look now at alternatives. there's nothing to keep you from jumping to another company and then canceling the homeowners early (you'll just be sent a refund). we did this a few years ago-worked out that one type of coverage was about the same cost but the difference on the others was remarkably less (note-we take advantage of every discount we can, bundling all coverage w/same carrier, paying auto bi annually vs. monthly, homeowners yearly, a couple other policies yearly vs. monthly). right now anyone who is working from home should be asking their insurers for a low mileage discount (we got one when we stopped commuting to work).

 

[SL6827]

you could look now at alternatives. there's nothing to keep you from jumping to another company and then canceling the homeowners early (you'll just be sent a refund). we did this a few years ago-worked out that one type of coverage was about the same cost but the difference on the others was remarkably less (note-we take advantage of every discount we can, bundling all coverage w/same carrier, paying auto bi annually vs. monthly, homeowners yearly, a couple other policies yearly vs. monthly). right now anyone who is working from home should be asking their insurers for a low mileage discount (we got one when we stopped commuting to work).

It is due like next week, so they got us for at least six more months. But if they don't throw a nice bone out, I will switch over everything. I have been laying dormant with the increases, and now they have hit my ceiling. They have cut of their nose to spite their face.

 

[SL6827]

right now anyone who is working from home should be asking their insurers for a low mileage discount (we got one when we stopped commuting to work).

I will ask about that too. I am not working at all. Haven't heard any word at all of Alfa doing this. Go figure.