Personal Finance

Final Verdict is in: Thumbs Up! USAA Group Auto We had been with USAA for four years for all our insurance needs -- home, l...

The All In One Auto Insurance Liberty Mutual Insurance Group Auto A couple years ago I got a letter from my bank offering a discount for usin...

Simply stated — this company does not provide the best rates or customer service. What they do provide are fees that will unexpectedly drain your wallet.

I held insurance with this company for the better part of five years. (Should have canceled sooner, but multiple policies initially helped keep the premium rates low.)

Examples of problems/complaints that occurred with this company:

In multiple instances, the company did not cash my premium check on time - even though payment was sent well before the due date. I pay every bill as soon as its received. Complaining did no good. This left me stuck paying late fees. I have not had this problem with other companies.

The customer loyalty discount (for >3yrs with Hartford) amounted to a $2 decrease off our $1000 deductible. I don’t really understand how this is a discount when the premium actually went up for the renewal year. (And you have to actually ‘pay’ your deductible to get the ‘discount’)

Paying in installments will hit you with a $6 installment charge. This is pretty standard industry practice. For the first 4 of 5 years with Hartford, installment payments were made in 10 out of 12 months. This was a bare-bones ‘minimum’ payment plan that was designated by Hartford. During the most recent renewal, without advance notice, Hartford changed the minimum payment terms to 4 out of 12 months. This essentially triples the value on the bill when it arrives. I can only assume that this was done in an effort to generate more profit from ‘late payment’ fees.

I canceled our most recent renewal one month into the policy (expected cost $60). The bill for the one month of coverage was not 1/12 of the year’s premium but rather a value 3x’s greater (actual cost $180). A litany of fees were noted relating to the short-term of the policy as well as administrative fees for cancellation. None of these fees were noted in the policy that I received.

You’ve worked hard for your money — save some it by shopping elsewhere.

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