Also learned that with the boat insurance you also have to insure your poles, electronics, anchors, etc. separately from the boat.
Thanks for everyone's comments on the subject. Went with West Bend insurance for home and auto.
I've been with my company for over 10 years, nothing major, but have had some ticky tacky type stuff. My wife and son both got speeding tickets (otherwise a perfect record), and I was in a partially "at-fault" accident. The accident only went down that way because the accident occurred in the city of Milwaukee, and they do not send a squad unless someone is hurt, or a vehicle is stuck in traffic. Long story short, it ended up my word against hers, so we were both assessed 50% at fault - that was really frustrating.
At any rate, my yearly premium has not gone up. When my oldest got his drivers license / own vehicle, our rates went up $50 per month. Thought that was reasonable for an additional vehicle and teenage driver.
State Farm, Progressive, American Family, Farmers, Secura, Triple A, Aetna, Allstate, Empire, Farmington, Geico, Nationwide, the list of A or better companies is almost endless.
Shopping around with single carrier companies such as American Family, or your local independent insurance agent for companies like Erie, Metlife, or Secura will get you the best price.
Customer service on the other hand may be a different story, but from a financial perspective, you are pretty safe no matter where you go.
My Dad taught me that too...
Figured I was safe on here as only about 5 people know who Plum Lake is in real life.
For all anyone knows I could be Higgs lol....
Almost forgot cds, my buddy told me ole' Tichigan has 4" of ice. Might have to get out soon!
It allows you to receive a single consolidated bill. You can pay once per year, or quarterly. I pay 4 equal quarterly payments.
They also give you discounts across all risks for good credit score, kids on the honor role, multiple policies, years with the company etc... It allows you to leverage things a bit.
Like most middle aged outdoor loving people I have accumulated a few toys i.e. camper, duck boat, fishing boat, snowmobiles, lots of firearms etc.
After a bit of research Secura offered the best price for everything including an umbrella policy in case something really, really, bad happens...
That doesn't mean Secura will be the most cost effective option for everyone. Insurance companies tend to specialize in different areas / risk profiles. What is the best company for some could be the most expensive for others depending on their risk profile.
Also, I have different deductibles on my home than I have on my vehicles, and my homeowners rate does not increase because of car, boat, or snowmobile claim.
I do like Secura though. Because I have everything with them they give you free identity protection, road side assistance, medical help when traveling, and some other decent perks.
No matter what direction the OP decides to go, he will likely get the best price by giving one company everything he has...