Author Topic: Changing Insurance (Home & Auto) After Two Claims?  (Read 1192 times)


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Changing Insurance (Home & Auto) After Two Claims?
« on: March 12, 2017, 10:14:25 AM »
I'm wanting to shop around for lower rates.

I had a hail damage claim on my home owner's for my roof in May 2012. I got a new roof (new shingles and gutters, not the deck). Autos were liability only, so they were not involved.

That was followed by a not at fault auto accident (the other driver got three tickets, I got none) in August 2014. So that one is less than 3 years passed. My current insurer did not raise my rates, and I still get the accident free discount.

I hear that most companies look back 3 years when considering new customers, is that true? Is my particular claims history likely to affect my rates with a new company? Will any companies that I apply to take note of the recent auto accident, and for that reason would I be better off to wait until next year when the auto claim is over 3 years old?

The companies I'm most interested in are Amica and Ameriprise (the latter through Costco), if anyone has specific knowledge of those two companies it would be extra helpful.


Wow, a phone plan for fifteen bucks!