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As an individual, you don't get the diversification effect of #1, so you end up paying a premium rate. Hmm. USAA quoted me $350.81 per month (same plan provid
by bdunbar 15y ago
As an individual, you don't get the diversification effect of #1, so you end up paying a premium rate.
Hmm.
USAA quoted me $350.81 per month (same plan provider!) for two adults, two children, one adult 'healthy as a horse', one adult with preexisting conditions.
Just one pass, without shopping around.
That sounds pretty steep - it is - but it's only twice what you could expect to pay for car insurance.
I'll bet if I shop around I could find a deal. Wonder what would happen if more of us did so?
- mgkimsal 15y agoit doesn't seem steep to me, but where you live and your ages are two factors you didn't mention (deductible amount is another factor).
- bdunbar 15y agoI live in fly-over country, in a drive-past town. Cost of living here is pretty low, all things considered. So I've gotten used to stuff being far less than it cost when I lived in the city. I wonder if I could negotiate a salary increase from my employer in return for opting out of the plan.
- philwelch 15y agoUSAA is an exceptionally good company.
- bdunbar 15y agoI love USAA to pieces. For years my time in the Marines was good only for memories (good and bad), cynicism, and a career in IT. Which isn't bad. But then they let me in the club and my insurance cost dropped like a rock. Plus they're super easy to deal with. Had some hail damage and where my neighbors were fighting _their_ insurance provider months later USAA couldn't get me the money fast enough. "Overnight .. is that soon enough? We can borrow an F-18 and air drop in about 90 minutes it if that would be more convenient." Well not that good. But pretty close.
- BadassFractal 15y agoAnything analogous, at least qualitatively, to USAA for folks with no military connections, in California?
- BadassFractal 15y agoAnything analogous, at least qualitatively, to USAA for folks with no military connections, in California?