re: Is it just State Farm? 27% increase with no claims or tickets.

Just got a new vehicle last week. Had USAA for the last 10 years and generally paid between $100-$150 a month. USAA quoted me over $1,250 / mo on the new vehicle citing macro economic factors for the raise. Called Liberty and was quoted $150. Pretty unreal.

Your claims and tickets matter less than you think they do. Your credit is a better indicator than claims, because it's a forward predictor of your likelihood to cause losses.

But build back better.

Mine just went down about 30% with Geico.

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heard from a little birdie that insurance companies and the parish are going to a new roof program…….your roof is going to have to be “certified” by the parish inspectors by them inspecting every step during build/change. Then the roof will have to be inspected by the parish every 5 years for a certificate. If not, you are not covered by the insurance company. I am sure the inspections will be easy to get done and won’t cost much !

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Little birdie doesn’t know shite.
This post is nothing but misinformation.

Mine went up with State Farm no tickets, claims, or wrecks. Last moving violation ticket was in 2007 for speeding.

I tried progressive, Allstate, USAA, and a few more all the same or higher.

Parents switched to American national

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All of those trial lawyer billboards and big judgments are a de facto tax on the population.

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Yeah, but as long as they sign those NIL checks the mouth breathers don’t care.

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bro, guess a 30 year contractor in St. Tammany who knows every inspector wouldn’t know shite.

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About Fortified homes and how they relate to insurance? No. No. He doesn’t.

I was one of the first ten insurance agents to become certified in fortified homes in America. Been a huge proponent of the program, and have submitted statements to various legislators across the south about the benefits of the program.

Your buddy is completely wrong about what he said. The IBHS (insurance institute for business and home safety) came out with various criteria to strengthen building codes in 2016. Orange Beach, AL, was the first municipality in America to adopt the standards in 2017. Gulf shores followed suit later the next year. The newer built homes, called “gold fortified”, are basically guaranteed to withstand cat 3 hurricanes.
Sally hit 9/16/20. My agency had 707 claims overnight. Less than 2% were gold fortified homes, and those were minor claims.
Fortified homes give consumers a more sturdy structure, insurance carriers lower premiums due to quality of structure, and builders offer a better product. Communities win due to lack of catastrophic damage to their area.
It’s been our experience that contractors generally buck new regulations and codes.

Btw, the cost to re-certify your home is like $170 every 5 years.