Insurance rates are funny.
The way they're calculated makes things very complicated.
Couldn't tell you what their net increase over ours would be...doesn't matter I guess really. The base rate is the base rate, add in "discounts" and you get current price. Add in "phantom" discounts, and you get a temporary price, and so on. So, it's hard to tell what the increases do "for real".
My advice...find the best company in your area (calling any body shop and asking them who is good, or asking any contractor who does home repair for insurance is good), tie in the company that gives you the best service (so, we're looking at best company + best service) and stay with that company.
If you want the cheapest rate...it's easy to find. Google: "Magnum Insurance Phone Number", or something similar.
Remember folks...insurance is not a commodity. You get what you pay for...it's not all about price.
The reason I bring up the price with Allstate
, is simply to let people with Allstate to know that if they're unhappy with the company, now might be a time to come talk to me. Quite frankly, in my area, we're writing Allstate customers all day. Certain companies we're competitive on, certain companies we're not right now. But that will change. Geico was ALWAYS the lowest, not for much longer. In the industry, other company were just waiting for Geico to start raising rates (it's a guarantee, just a matter of when). Price causes people to shop. Though I don't agree with that necessarily, I love CLSB clients...so if I bring to your attention that company "A" has an increase...maybe you'll give me a shot.
As for Mr. JRSMAIL...well, in his area we're higher. BUT don't worry...I'm not giving up on you buddy. One day you'll be a client of mine!!