I stopped using Allstate years ago -- I mentioned to my agent (this was back when it was still common to actually go see an agent in person to get insurance) that I had a chip in my windshield from a rock and I had to pay to fix it. He said "No, don't pay for it, just make a claim and we'll pay for it no deductable for glass fix since we want you to have a clear windshield".
So I made the claim. Then made 2 more claims through him that year (major road construction meant lots of debris on the highway I commuted on).
And then I got my premium notice and they increased my premium by 5X (something like $300 every 6 months to $1500) due my claim history -- I had no accidents, just $120 in window repair claims.
I immediately switched insurance companies and never went back. It was a good lesson for me -- don't use insurance if you can avoid it. So now I run $1000 decuctables when I can since I really don't want to make an insurance claim unless it's catastrophic.
So I made the claim. Then made 2 more claims through him that year (major road construction meant lots of debris on the highway I commuted on).
And then I got my premium notice and they increased my premium by 5X (something like $300 every 6 months to $1500) due my claim history -- I had no accidents, just $120 in window repair claims.
I immediately switched insurance companies and never went back. It was a good lesson for me -- don't use insurance if you can avoid it. So now I run $1000 decuctables when I can since I really don't want to make an insurance claim unless it's catastrophic.