Insurance?

Simply added coverage to our USAA auto insurance policy.  Broad collision and comprehensive is all that was needed.  All other coverage, such as liability, personal injury protection, etc covered under towing vehicle coverage, which in our case will be a 2005 GMC Envoy SLT.

Insurance is very convoluted and confusing. I have not experienced what Andy talks about and have not had State Farm since the 70s when they canceled me for frequency of claims. Based on deer hits and a horse:) Oddly I have found ties with insurance companies with each other, for example USAA and Progressive, also USAA and Collector's car insurance, not a lot of separation out there. Bottom line you have to go where you feel covered. But don't think they are so isolated and different.

I had been a USAA member for over 40 years but left them because of their almost 200% increase in premiums over about 2 years.  that was home owners, trailer and auto policies combined.  I called about the increase and they basically said tough stuff.  No effort to help, nada.  I have since dropped all insurance with them and combine Travelers and Progressive for the 3 and saved a bunch of money in the process.  So their advertising about being a usaa member for life is just a ploy.  Or maybe they just don't want us older policy holders. We are treated just like the under 25 bunch!

If your doing insurance I would look at adding an Umbrella policy for   $1million. If your trailer ever comes loose it can do a lot of damage to other vehicles in a hurry and a 300,000 policy will quickly get eaten up and you could possibly end up with judgments that will take all your assets. It is cheap to add and will also cover your auto and home.