I had Amica for about 20 years of which they didn’t pull that crap but more importantly they had great rates and any claims I had they too care of promptly however when I put my oldest teen on my auto insurance it was pretty high. I switched to USAA for one year and then to Liberty Mutual when I had to cover my 2nd teen…Liberty Mutual was 1000.00 cheaper… I will go back to Amica once my kids get their own policy.
I know with my Amica homeowner insurance they were awesome, I had a plumbing leak at my persona home of which they but me a check for about 3000 and were willing to cut another check for 10,000.00 to replace ALL my hardwood floors over a small section that swelled from the leak… I told them that because it was engineered hardwood that it would lay back flat in about 30 days. They kept the claim open and when I called the claims adjust to tell him to close it out that there was no need to fix it as it was hardly noticeable he still cut me a check for 2000.00 if I decided to put a new finish on that particular room. My premiums never went up.
Insurance is one of those necessary evils…you rarely use it and you hate to write the checks yet if (when) you get involved in an accident you’re glad you had it.
For those who have been in the military USAA has some good rates (with out teen drivers).
I do find myself switching all the time on my motorcycle insurance… motorcycle insurance is all over the board, often based upon accidents in your area… when I lived in South Dakota I paid Viking 200.00 per year, move to Hampton Virgina and they raped me for 1500.00 per year…no claims or tickets… its all about the accident rate in the area you reside.