American Family Insurance homeowners premium ripoff Madison Wisconsin

Yes, it's true insurers pull credit reports... but jumping rates 50% or more (and that happened to ME with AM FAM too!) over credit score (NOT payment history, but SCORE, which can be affected by how much you USE your credit, even if you PAY it!!) is unreasonable.

My rate went from 900 to 1500 and I changed to AAA where I got an equivalent policy for 800!!

When I did so, I cancelled my AM FAM policy.  But they DIDN'T cancel!  I didn't learn until the NEXT RENEWAL that the reason my escrow was short and my house payment went up was that AMFAM BILLED my mortgage company IN ADDITION to AAA billing them!

TODAY I had to go to AAA to get documentation I've been covered for the last year... and take it to the AM FAM agent so I can get a REFUND of premium paid on a policy I had CANCELLED!

Oh BTW, I got AM FAM's RENEWAL notice.  They wanted $1830!!!  AAA is charging 860 now!!

Purchasing insurance is no different than purchasing any other product. If you chose to go to a convenience store and purchase a gallon of milk for $5 that you could have purchased at Wal-mart for $2.50, does that mean the convenience store has "Ripped you Off"? The convience store doesn't have a monopoly on milk any more than American Family has a monopoly on Insurance.

In addition to the convience factor, there's also a quality factor when it comes to where one purchases insurance. Some people drive a Lexus, and some a Kia. Are Lexus owners victims of "money-grubbing sleezebags"?

There's always going to be a less insurance insurance policy to be found. When one locates a policy with cheapstinsurance.com for half as much as the GEICO policy described, does that then make GEICO "money-grubbing sleezebags?".
I'll assume you work for a non-profit company for you to be making such comments about a company making a profit?

How about dropping American Family as the insurance carrier? Funny, but I pay rock-bottom rates through GEICO with a less-than-perfect credit record. Insurance companies running credit to price a service that is required, particularly in the case of homeowners and auto insurance, defines the word RIPOFF.

When I inquired about insurance for my 1982 Yamaha Maxim motorcycle, American Family priced me almost $200.00 for a year of coverage. The same coverage with the same limits through GEICO? $76

Chris, don't reward these money-grubbing sleezebags by paying them. FYI, it is more like a 150%+ increase in your premium cost. Take your business to another company that isn't in league with the insurance companies-Bush plan to add more middle-income workers to the lower class.

Insurance companies have been using credit as a rating factor for years. American Family is one of the last insurance companies to start using credit as a rating factor. When you first sign up to purchase insurance, the application you sign states that you are giving the insurance company permission to pull consumer reports such as your driving record, claim loss history and credit, review your application and policy. Keep in mind that the insurance industry is very highly regulated. Insurers can only adjust their rates on factors that have a proven effect on a persons likelyhood to file a claim. Many people are aware of the fact that young men pay higher car insuranc rates than young women based on this princple. And that rates are different in different zip codes, and for different driving records. Studies have proven that people with better credit are less likely to file claims and people with poor credit are more likely to file claims. And yes, people with good credit are seeing decreases in their homeowners insurance rates.
It would be a wise investment on your part to clean up your credit so that next year your homeowners insurance rates will be adjusted down. Good luck!!

Insurance companies have been using credit as a rating factor for years. American Family is one of the last insurance companies to start using credit as a rating factor. When you first sign up to purchase insurance, the application you sign states that you are giving the insurance company permission to pull consumer reports such as your driving record, claim loss history and credit, review your application and policy. Keep in mind that the insurance industry is very highly regulated. Insurers can only adjust their rates on factors that have a proven effect on a persons likelyhood to file a claim. Many people are aware of the fact that young men pay higher car insuranc rates than young women based on this princple. And that rates are different in different zip codes, and for different driving records. Studies have proven that people with better credit are less likely to file claims and people with poor credit are more likely to file claims. And yes, people with good credit are seeing decreases in their homeowners insurance rates.
It would be a wise investment on your part to clean up your credit so that next year your homeowners insurance rates will be adjusted down. Good luck!!

Insurance companies have been using credit as a rating factor for years. American Family is one of the last insurance companies to start using credit as a rating factor. When you first sign up to purchase insurance, the application you sign states that you are giving the insurance company permission to pull consumer reports such as your driving record, claim loss history and credit, review your application and policy. Keep in mind that the insurance industry is very highly regulated. Insurers can only adjust their rates on factors that have a proven effect on a persons likelyhood to file a claim. Many people are aware of the fact that young men pay higher car insuranc rates than young women based on this princple. And that rates are different in different zip codes, and for different driving records. Studies have proven that people with better credit are less likely to file claims and people with poor credit are more likely to file claims. And yes, people with good credit are seeing decreases in their homeowners insurance rates.
It would be a wise investment on your part to clean up your credit so that next year your homeowners insurance rates will be adjusted down. Good luck!!

Insurance companies have been using credit as a rating factor for years. American Family is one of the last insurance companies to start using credit as a rating factor. When you first sign up to purchase insurance, the application you sign states that you are giving the insurance company permission to pull consumer reports such as your driving record, claim loss history and credit, review your application and policy. Keep in mind that the insurance industry is very highly regulated. Insurers can only adjust their rates on factors that have a proven effect on a persons likelyhood to file a claim. Many people are aware of the fact that young men pay higher car insuranc rates than young women based on this princple. And that rates are different in different zip codes, and for different driving records. Studies have proven that people with better credit are less likely to file claims and people with poor credit are more likely to file claims. And yes, people with good credit are seeing decreases in their homeowners insurance rates.
It would be a wise investment on your part to clean up your credit so that next year your homeowners insurance rates will be adjusted down. Good luck!!