So paying right around $7000 a year for their coverage for over 5 years wasn't enough? Insurance is a scam. It's when they have to pay out where they put you on assigned risk and screw you. Wreck a car, now we want your balls. SCAM! Plus they didn't care they were charging me for a car that was covered elsewhere.

A few questions so that I can respond accurately:

- You were paying $7,000/year combined for home/auto?
- After your auto was canceled, you went into the assigned risk pool?
- How did they manage to insure a car that you had already insured with another company?
- How much were the payouts on your son's claims?

MI car insurance is high because of uncapped PIP coverage and their very unusual no-fault laws.

You aint telling me anythiung new! I pay like $8000 on 4 vehicles!!!!!!!!!!! We're 61, 61 and 23.
21 Ram 1500
21 Blazer
21 Ranger
17 Ram 2500

These aren't Ferraris or Rovers!

Over $1000 of that is paying for "uninsured motorists". And an uninsured motorist can actually sue YOU if you get in an accident with one of them. Is that nuts or what? This state really is a DISASTER. Did I mention the vast majority of the people in Detroit (and probably every other bigger city in MI) aren't insured. How is that even possible!?!?! I guess laws are only for law abiding people.

Right across the border in Ohio, 60 miles away, insurance is HALF what MI pays.

I thought our governator changed that about 2 years ago?? No longer unlimited medical - just like all other states now???

This is a great year to shop for home and auto insurance, especially if you have one of the major carriers. 9 of the top 10 carriers lost money last year, and some of them lost a LOT of money. As a result, they are raising rates. Several smaller carriers and regional carriers did pretty well last year, as did the #2 auto insurer. It is worth shopping around, especially if you are getting whacked with an increase despite not having any claims, tickets, etc.

My home insurance went up 35%, and my auto went up 13%. Combined, I was going to be paying $3,585. I switched companies and will now be paying $2,194 combined, a 39% difference. This is for exactly the same amount of liability coverage, same value on my house, replacement cost coverage, same comp/collision deductibles on my cars, etc. Zero coverage changes at all.

The nine top 10 carriers that lost money last year are not going to be in a position to lower or stabilize rates for a while. Most of them aren't very good at underwriting in the first place. The exception here is Geico. Like Progressive, Geico is good at underwriting (not quite as good as Progressive, but good). Geico's being hurt by an increase in claim handling costs. Theirs have spiked significantly. This is not how much they pay out on a claim, but rather the expense involved in handling the claim. They are usually the best in the industry and controlling this cost, but they have cratered in that regard.

It's worth looking around. Nothing ventured, nothing gained.

I also need to jump on here again. Found out that AAA used a picture of the tarp over our new garage during a summer rainstorm to claim we were behind on deferred maintenance to cancel us. Got that straightened out, BUT found out in the process that we had been woefully underinsured for 25 years due to incorrect information that we NEVER saw. Bathroom count was wrong, number of corners was wrong, bedroom sizes wrong, HVAC system wrong (never mind that every house built in the San Joaquin Valley wince the 1960s has central heat and air and our house was built in 1980), exterior material was wrong, flooring was wrong, etc. So, the premium went up, but we also added garage square feet and fixed the errors. So, I guess since we were underinsured all that time and didn't have a claim we actually came out ahead, but that's a gamble I wouldn't take willingly.