On Fri, 5 Mar 2004 04:04:02 CST, deja_bhoot2000[at]yahoo.com (Bhoot Nath)
wrote:
Not sure of your age but if you are over 50, AARP Hartford is one of
the best. We reduced our HO and Auto insurance by wide margin with
them after swtiching from CSAA and State Farm. Both CSAA and State
Farm were raising HO insurance in CA by big percentage.
Nona

deja_bhoot2000[at]yahoo.com (Bhoot Nath), you wrtoe:

<< <i> So I
decided to shop around, and switch if I found premiums 10% to 15%
lower.

I have received quotes form
-- Liberty Mutual ==> 11% lower
-- AMEX Assurance (Costco affiliate) ==> 20% lower
</i> >
If you haven't already, try getting quotes from more than one Independent Agent
in any of you're local independent insurance agencies.

In article <309e7c98.0403041707.37590c26[at]posting.google.com> ,
deja_bhoot2000[at]yahoo.com (Bhoot Nath) wrote:

- quote -

My experience last year was that rates are all over the place. What I
did find was that many insurers are excluding whole communities (middle
class subburbs) based on recent claim history.

Last year the Hartford offered me the best package (I aslo carry an
umbrella policy) but I'll research again this year.

My last claim was with 21st Century and they handled it well but they
exited the HO business last year
--
Avrum Lapin avrum113[at]earthlink.net
Upland CA Remove NOSPAM from address

My wife and I have no points on our DMV records (no tickets or
accidents for the past 3 years), and we have never ever made any
claims on our homeowner HO-3 policies. We also have excellent credit
score (> 700), so that is not issue.

California AAA (our current insurer) increased rates about 10% last
year, and I just received the renewal bill for HO-3 which is going up
by nearly 30%! AAA gave me a generic, mumbo-jumbo explanation for the
increase which basically boils down to "the rate increase is NOT
related to your personal factors; we are raising everyone's rates,
because of blah blah." Basically, "because we can" attitude. So I
decided to shop around, and switch if I found premiums 10% to 15%
lower.

I have received quotes form
-- Liberty Mutual ==> 11% lower
-- AMEX Assurance (Costco affiliate) ==> 20% lower

I made sure to get the quote for EXACT SAME limits, deductibles and
discount factors, on all coverages, for both auto & home policies.

Therefore, I am seeking your experiences and opinions about
Liberty Mutual and AMEX Assurance. I have looked up AM Best ratings.

I am more interested in people's experience about their SERVICE &
REPUTATION. If they are your insurance carrier, or if you have ever
dealt with them in course of being hit by one of their insureds,
please relate your experience.

I would also appreciate any other tips on insurance shopping in California.

Thanks.