Maybe I misunderstood. I'm with Flo's Bros right now, and they did well by me with the recent flood totaling of my new-to-me '15 BMW 3 Series -- I came out of it with enough for a big down payment on the Buick, and am no worse off than before. Of course I keep an eye open for a good deal. Amica sent me one of their mailings, and I called.
The woman tells me it would cost me $8000 a year for insurance with them. Yes; eight thousand[/i] dollars a year -- almost 3.5 times what I pay now. I went, "Pfft!" and ended the call.
Well, last week I thought, "Maybe I misunderstood, or she made a a mistake." So I called back. Nope, still eight grand. A different lady this time. She tells me that if I increase my limits -- in other words, bump my coverage above the state minimums -- my rate will drop.
How's that again? In my experience, if their risk of having to pay out big big money increases, so would my premiums. How is it possible for me to raise my coverage substantially, yet pay less? Any of you have Amica and run into this?
The woman tells me it would cost me $8000 a year for insurance with them. Yes; eight thousand[/i] dollars a year -- almost 3.5 times what I pay now. I went, "Pfft!" and ended the call.
Well, last week I thought, "Maybe I misunderstood, or she made a a mistake." So I called back. Nope, still eight grand. A different lady this time. She tells me that if I increase my limits -- in other words, bump my coverage above the state minimums -- my rate will drop.
How's that again? In my experience, if their risk of having to pay out big big money increases, so would my premiums. How is it possible for me to raise my coverage substantially, yet pay less? Any of you have Amica and run into this?