Posted by Ron-MO on February 12, 2016 at 07:02:53 from (108.171.131.170):
In the past month or so I have been looking closely at my insurance, both farm/home, as well as vehicle, as my farm/homeowner policy will be up for renewal in May. Last year since I was late in the game I choked down the increase, and renewed for another year with the plan of going over the policy early, and probably doing a bit of shopping around in 2016. I can go online and review my payments over the past 5 or 6 years, the average increase is approx $100 a year. I understand that I also have the policy set up to automatically increase for "inflation protection", however I am not so sure that the value of my property has increased nearly as much as their rates have. And roughly 25% increase in premium over a period of 5 years or so is way too much in my mind, Looking for others experiences, and if anyone has any expertise in this arena? I have read many times that insurance companies provide a much better price/rate for new customers to attract new business, then slowly grind it in with renewals as might be the case here. While I do not like the idea, I am not beyond swapping companies every year or two, basically flip flopping the company to keep better premium if it saves even $100 a year. The last time I shopped I did end up switching and dropped my bill a fair amount for similar coverage, but just shopping is painful, and time consuming, and now I am right back where I was then some. To keep this tractor related, I do insure my ship which houses my tractors and tools.
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Today's Featured Article - An Old-Time Tractor Demonstration - by Kim Pratt. Sam was born in rural Kansas in 1926. His dad was a hard-working farmer and the children worked hard everyday to help ends meet. In the rural area he grew up in, the highlight of the week was Saturday when many people took a break from their work to go to town. It was on one such Saturday in the early 1940's when Sam was 16 years old that he ended up in Dennison, Kansas to watch a demonstration of a new tractor being put on by a local dealer. It was an Allis-Chalmers tractor dealership,
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