Insurance Question

[Ole Joe Clark]

Does anyone use the health/home/auto insurance offered by AMAC? Are you happy with the service?

We currently use AARP, and the prices are getting rather high. I am seriously considering the possiblity of switching.

Please, no bashing. Thank you for your comments.

Have a blessed day,

Leon

 

[03hemi]

Home, Auto and Umbrella policy through USAA, no better insurance in the world. Only offered to military, vets and descendants of there said.

 

[chief38]

I have found that if you have a pristine driving record and no accidents in a decade along with an excellent credit score, no insurance company is able to beat Amica. Yes, they only insure the top percent of drivers but their rates are incredible. They also have unrestricted availability for liability insurance of one needs it - most other national company's limit themselves to $2M as they don't want the exposure.

While they are marketing themselves to a narrow portion of the country, for those who qualify I have found they can not be beat and their customer service is stellar! I switched from Traveller's to Amica about 8 years ago and immediately saved 52% and got superior insurance as well. Been with them ever since!

 

[Tom Beavert]

Joe
Go to mutual of Omaha.
TB

 

[H Richard]

Joe, I'm going to guess you are on Medicare. If so, there is a Website where you can go to research all the supplemental insurance policies and Prescription drug policies. Our local Sr Center has an expert that puts your info into the program, and it gives you all the options. Check out your local Sr Center and see if they have someone available to do it.

 

[yaktamer]

Joe
Go to mutual of Omaha.
TB

Where you can watch Jim wrestle a man-eating crocodile while Marlin Perkins has another martini.

 

[PALADIN85020]

Ditto on the praise for USAA. I previously was insured through Farmers, and with no accidents on my car or incidents with home insurance, my premiums were escalating terribly. I switched both coverages to USAA. My car insurance rates went down about 1/3, and my homeowners insurance premiums were cut IN HALF. Farmers refused to pay for a slab leak at home on an obscure technicality they sneaked into my policy a few years ago - and repairing it took big money out of my pocket to fix it. I had been using Farmers (foolishly) for over 50 years, with only one claim in all that time (taken care of by them over 15 years ago). Meanwhile I had been pouring money down the drain with them unknowingly ever since. No more - they can take it and stuff it.

USAA has a super reputation for bending over backwards for its customers, and the rates appear to be unbeatable. Easy choice if you have service or family service in your background! Every contact I've had with them has been courteous, complete, and cordial.

John

 

[Geronimo Jim]

Spent 30 years in the insurance business. If you can qualify,
nothing beats USAA. Yes, that is what I told people when I was
selling insurance. For every person I sent else ware to save then
money, they sent two of their friends to me!

 

[lkabug]

I've been with USAA for 54+ years. I've looked but never changed.
If you qualify there's none better.

 

[03hemi]

Ditto on the praise for USAA. I previously was insured through Farmers, and with no accidents on my car or incidents with home insurance, my premiums were escalating terribly. I switched both coverages to USAA. My car insurance rates went down about 1/3, and my homeowners insurance premiums were cut IN HALF. Farmers refused to pay for a slab leak at home on an obscure technicality they sneaked into my policy a few years ago - and repairing it took big money out of my pocket to fix it. I had been using Farmers (foolishly) for over 50 years, with only one claim in all that time (taken care of by them over 15 years ago). Meanwhile I had been pouring money down the drain with them unknowingly ever since. No more - they can take it and stuff it.

USAA has a super reputation for bending over backwards for its customers, and the rates appear to be unbeatable. Easy choice if you have service or family service in your background! Every contact I've had with them has been courteous, complete, and cordial.

John

I'm 60 and have been a member since I was 18 and have had numerous claims, of which they always take the high road. Example: If you're in a no fault accident (car) they go ahead and pay for repairs or if it's a totaled veh give you payment up front and then subjugate the other ins company for reimbursement and never raise your rates if no fault of yours! At fault will get you rated, naturally, but in either case you choose the body shop, but have a list of recommendations if you want. Home, oh it hailed in your area so we're going to replace your roof because it will eventually effect your decking! Pro-active company. $20k in repairs for a failed wax ring on an upstairs bathroom toilet and flooded the ceiling. A little water had dripped on the wood floor making a bad spot, but because the floor was continuous throughout the downstairs, replaced the whole downstairs wood flooring and ceiling too! I had to pay the cost of the wax ring and they paid the rest, never raised my rates because it was the wax rings fault AND THEY PAID UP-FRONT! The examples go on and on.
As far as rates, they can be beat on price, but at what cost like you say? Pay 40 years with "enter ins company name here" and they drag their feet on a claim, make excuses then cancel you after a crummy settlement! No better insurance in the world.

 

[oksws]

USAA!!!!!! (10 characters)

 

[SMSgt]

I finally got fed up with Allstate after many years and switched to USAA. Didn't really save any money--pretty much a break even deal--but less hassle.

All the ads claiming you'll save $$$ over the others are pure bunk. The compare their discounted rates to the others' full, undiscounted rates. In the end, they all will save money over all the others that way.

 

[Waxster60]

USAA if you are eligible. Amica if you are not.

 

[Golphin]

Spent 30 years in the insurance business. If you can qualify,
nothing beats USAA. Yes, that is what I told people when I was
selling insurance. For every person I sent else ware to save then
money, they sent two of their friends to me!

Back in the day that was true. Today they are a good company but anyone can qualify and they are not much different than others. Some times they are lower and sometimes higher. I have been writing and own a agency for 37 years. AARP is just a liberal organization that takes your dues. The insurance is Hartford and and they a notorious for writing you with low rates and in short time you will be paying a lot more than you should be.

 

[03hemi]

Back in the day that was true. Today they are a good company but anyone can qualify and they are not much different than others. Some times they are lower and sometimes higher. I have been writing and own a agency for 37 years. AARP is just a liberal organization that takes your dues. The insurance is Hartford and and they a notorious for writing you with low rates and in short time you will be paying a lot more than you should be.

I respectfully disagree, while it is easier to qualify now, it still isn't available for anybody.
As far as a "good" company? I'd say they are the epitome of a what a great company should be and set the bar that all other companies should strive to achieve.

 

[Jeff423]

Is anyone going to answer his question about AMAC?

 

[Robspeire]

USAA if you are eligible. Amica if you are not.

I got a quote from AMICA today for car insurance as Progressive increased mine.

Amica was 2X the cost for the same coverage per year.