MapNerd
RVF 1K Club
- Joined
- Nov 17, 2019
- Messages
- 2,298
- Location
- Prince William, VA
- RV Year
- 2020
- RV Make
- Newmar
- RV Model
- Ventana 4326
- RV Length
- 43
- TOW/TOAD
- 2020 Ford F-150
- Fulltimer
- Yes
I will say as someone with a small bit of knowledge, USAA’s processes are engineered to always give the member the benefit where possible. That is not true of many other insurance providers.
When it comes to pricing, it’s a weird dynamic of factors that often you have no control over. People like to think that their rate is a reflection of their personal claims history, but that’s only part of the equation. The truth is, its a combination of your claims history, your personal risk factors and the risk factors of the risk pool you fall into based on geography and many other things. If your risk pool had a really bad year and the provider paid out a lot in claims, your claims history and personal risk factors can only save you so much in terms of a rate increase because the provider is going to try to recoup some of those losses but more importantly, they need to refill the payout coffers.
Of course, it doesn’t seem like that because you don’t know what pool you’re in and can’t compare directly to someone else in your pool because they will get a different rate due to the element of their own personal risk factors combined with the same risk pool factors.
With a lot of civil unrest and personal property destruction going on, to say nothing of increasingly severe weather events, you can bet your last dollar that rates are going to continue to increase for absolutely everyone. While having no claims history and even never having had an ticket will help, it will not spare you completely.
So goes the game and it is what it is. I agree with @Neal though, shop around. There’s no reason to get so worked up over a rate increase. You’re going to see them if you stick with anyone and if you look at your rates over the long term, you’re going to see them increase even if you switch providers. The best you can do is keep your risk factors low, avoid making claims for items that aren’t worth the payout and of course keep her between the ditches. I would use USAA if their rates were reasonable for my RV because one thing I do know about them is when it counted, every time I’ve made a claim, there was no fuss, no muss. They paid without issue and paid to get my issue fixed correctly.
Also keep in mind that USAA is member owned. They’re not answering to Wall Street so any insinuation that they are trying to increase shareholder profit at the expense of the member is inherently contradicting as the member is the shareholder.
Take it with a grain of salt though, YMMV.
When it comes to pricing, it’s a weird dynamic of factors that often you have no control over. People like to think that their rate is a reflection of their personal claims history, but that’s only part of the equation. The truth is, its a combination of your claims history, your personal risk factors and the risk factors of the risk pool you fall into based on geography and many other things. If your risk pool had a really bad year and the provider paid out a lot in claims, your claims history and personal risk factors can only save you so much in terms of a rate increase because the provider is going to try to recoup some of those losses but more importantly, they need to refill the payout coffers.
Of course, it doesn’t seem like that because you don’t know what pool you’re in and can’t compare directly to someone else in your pool because they will get a different rate due to the element of their own personal risk factors combined with the same risk pool factors.
With a lot of civil unrest and personal property destruction going on, to say nothing of increasingly severe weather events, you can bet your last dollar that rates are going to continue to increase for absolutely everyone. While having no claims history and even never having had an ticket will help, it will not spare you completely.
So goes the game and it is what it is. I agree with @Neal though, shop around. There’s no reason to get so worked up over a rate increase. You’re going to see them if you stick with anyone and if you look at your rates over the long term, you’re going to see them increase even if you switch providers. The best you can do is keep your risk factors low, avoid making claims for items that aren’t worth the payout and of course keep her between the ditches. I would use USAA if their rates were reasonable for my RV because one thing I do know about them is when it counted, every time I’ve made a claim, there was no fuss, no muss. They paid without issue and paid to get my issue fixed correctly.
Also keep in mind that USAA is member owned. They’re not answering to Wall Street so any insinuation that they are trying to increase shareholder profit at the expense of the member is inherently contradicting as the member is the shareholder.
Take it with a grain of salt though, YMMV.
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