Catch 22-AAA

We have State Farm insurance. 

We’ve had them for auto insurance for over fifty years, and they are also our insurance carrier for our house and our 5th wheel trailer.  We have had the same agent for a quarter century, and have no complaints other than cost.

With renewals coming up, we decided to do some shopping.  I tried doing that several years ago and was told that due to our long association with State Farm, other companies would not be able to match our premium. 

This time, we contacted AAA, and the difference was shocking.  Our State Farm coverage is three separate policies – AAA would package the truck and trailer and give us the same or better coverage on them and the house with a total annual savings of about $2000!

Loyalty in one thing, but  $2,000?  That’s a no-brainer.  We were all ready to change carriers when we hit a snag.

We had no claims on our truck or house, but we have had two claims on the trailer in the last five years.  One back in 2012 was covered under the comprehensive, but the other (in 2014) got paid under the collision portion of the policy.  It should not have been.  The damage was caused by a falling limb poking a hole in the trailer roof, but the repair shop and State Farm decided that it looked like we had driven under an overhanging limb.  The AAA rep put is on a conference call with State Farm, but they refused to change the designation.

The result of this was that we can’t change carriers now. 

AAA will not write a new policy on the trailer, and they won’t write a policy on the truck  by itself.  To make matters worse, they only write home owner’s insurance for people who have auto coverage through AAA.

I’m frustrated, but there’s nothing we can do at this point but wait.  Assuming there are no more claims, we can change to AAA next February, and I’m pretty sure we will.