Long story short. I was with one insurance for 50+ years on and off, mostly on. Same local company my father was with and same name only JR. When calling they had to make sure what account to address. One time we went in to change a few thing on one of our house accounts, They pulled out a stack of documents a foot high.
So anyhow a few years back they were retiring and they were bought by a bigger Co. Things really went wrong. They were not doing the automatic payments and we would get cancellation notices. With thee houses and six cars on the road, what a pain.
The final straw was when they came some time and took pictures. They contacted me and said there was a dead tree in front of the garage and it had to be removed. It was sometime in DEC or JAN they took the pictures of a deciduous tree. Just could seem to explain that to them. The other thing was we were removing are son from our insurance. He moved 4 years ago. It was only a few dollars for him to be on. They wanted to see his change of address of on his licenses and a utility bill. Last time I spoke with them I told them that is his privet information. I said I'll be calling you back to cancel coverage. I changed to Progressive and no problems. They lost out on $4000 in premiums. They sent us premium notices for a year or more and calling us.
So anyhow I applied for a quote at American Collector for a $65k agreed value it was $605. They call me the next day and said there system put unlimited mileage as a default. They re quoted the premium at $50k @ $354.23. They said If want 65k they want pictures. I said that will be no problem I just want a basic quote for now. I know I will be changing shortly.
Sorry if it is a bit long. The more we are informed the better choices we make.
