I have heard many people commenting over the last few months about insurance rates going up. I pay mine for the year in April so I just paid both my vehicle and my housing insurance for the year at the beginning of this month.
I have a great insurance company I have been very very happy with for the last 20 years and never once had a rate hike with them. Even 11 years ago when I got in my first and only accident of my life that was my fault I figured it would go up but after buying my new truck it stayed the same because they said my newer truck had more safety features that offset any small rise I would have had.
Previously an EF-5 Tornado back in 2008 caused hail damage to the roof of my house and it needed a complete replacement and they paid for that and never raised my rate at all. It was considered an "act of god" and they never held it against me.
So the point is I have had a great company. This year my truck insurance went from $750 for the year to just under $1,000. Jumped almost $250 for no reason. First time ever. My housing insurance went up a decent amount too.
I have friend in places like Florida that are having a hard time getting insured at all. Insurance companies are pulling out of areas and a lot of stuff is going on that is causing disturbances in the market. It has happened to a number of people I know.
My rates are still reasonable, but they definitely went up.
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