Were you happy with Geico? I've had them for years. I made one claim after an accident and they were super nice.

I didn't sense that Esurance's letter to you was snide in any way.

That just seems to be a form letter that I wouldn't take personally. If you liked them when you first dealt with them, and their price was right, I'd just send them the copy of your registration. You could also switch back to Geico (love the gecko).

Moving can be a stressful time. I think your nerves might just be a bit frazzled. Good luck with everything.

UGH, what a huge pain.

I used Allstate for almost my entire driving life and had no problem. Here with DH we have Nationwide, and although I do not feel our rates are the greatest, we had no problem getting a claim for storm damage for our roof.

I know you took it that way, but the letter is pretty standard nowadays. And it only came to you because an ISO match (based on the VIN, probably) came up for the prior owner of your truck, whom I'm sure has a bad driving record. Unfortunately, a lot of folks do simply "forget about" the household member with the three DUI's, or who just turned 16, and then when the wreck happens, a coverage dispute arises. The insurance company has to be able to fully evaluate the risk.

With the online companies like Esurance, you're saving money by not having to support an extensive agency network. The downside of that is not having an agent to explain things or run interference for you with underwriting and/or claims.

Regarding the gap in coverage, they may have been looking at you going from liability only to comprehensive. Unscrupulous folks do that "after" some sort of damage to the car and then report a claim with a later false date inside the coverage period. Most carriers will ask for an inspection of the vehicle if it is going from liability only to collision/comprehensive, so there is no question about the condition of the car on the day comp/coll. is added.

All that being said, are you eligible for USAA? They are wonderful to work with.

I had similar issues with AAA Insurance. They canceled us after posting two of our payments to the wrong account. What made it even worse though was that they failed to notify and and we had been driving around without coverage for over 30 days. The only reason I found out when I did is because they returned a check I sent in saying the policy had been canceled for non payment and we would have to be paid in full to reactivate it. I was livid. We had just spent several thousand moving to a new state and insurance is much higher here. We weren't prepared to pay a policy in full at the time so this really caused us some problems.

We ended up switching to Amica and have been with them now for several years. It's a smaller company but it seems the service we get from them is much more personable and reliable. I was rammed from behind w/in 30 days of signing on with them and they treated us better than any company we've ever dealt with. They also call you annually to discuss your coverage and how you can keep down your premiums. I know we pay more for them, how much more I couldn't tell you, but I do like the personalized service and that they have annual policies, not just 6 months. I can also see everything on line which comes in handy too.

Here is a link that might be useful: Amica Insurance

We have USAA and they had the absolute best rates, we have been very pleased. I believe that they have loosened up eligibility and it may even be that if a parent served in the military, you may be able eligible.

That most likely is a form letter. My parents received one once because my sister was still using their address for some things and they wanted to make sure that she was not using the vehicles (said sister had a couple of tickets).

I've been getting a similar letter from New Jersey Manufacturers but it was not worded the same. What I dislike about your letter is this To ensure that your policy remains in force, please do this as soon as possible. If we don't hear from you within 10 days, your premium may increase or your policy may be canceled.

With mine; it's a letter for my daughter "possibly" having her license; but the way it's worded; it sounds like she's gotten one behind our back. She will be 19 in July; so we've gotten a few of them. I finally got tired of it & wrote a letter back stating that I knew the rules about having to notify them of all drivers in our home & that to the best of my knowledge she has not gotten a drivers license & will not get one until she find employment & can pay her own insurance & that if they do find that she has gone behind our backs to get one; to please notify us asap. lol I hope that works until she actually does get a license because I'm getting tired of my hub thinking I've gone behind his back & let her get one.

My son has 21st Insurance & they are the pits. You would not believe the amount of payment issues he has with them. They regularly call about missed payments & next thing we know a letter of cancellation is in my mail. My old neighbor had them too & got rid of them.

Good luck; hope you get it sorted out.

FWIW, I've been with State Farm for many many years. Home and auto. Never a problem but to tell the truth I've hardly made any claims. One time I had a minor run-in with a beer delivery truck that left a big scrape down the side of my car. I had it repaired and had a rental car while they were working on it. The next time I got a bill, the cost had actually gone down a little. Go figure.

We were with Farmers Insurance forever, and their rates kept going up, and my parents were with them also. They kept going up, and Mom did a lot of research and Liberty Mutural was much cheaper. So now, house and cars are all on Liberty Mutual, they have been a great company. Had an incident with my car and they would great. My parents had roof damage from very high winds and they paid well.

Ahhhhh....deep breath. Thank you all for your wisdom and replies! I'm going to look into the companies you suggested as we still have time to change before our old coverage expires.

Now that I'm calmer (!), I think I wouldn't have hit the ceiling if yesterday's email from Esurance had included a statement like: "Please note: if this vehicle was purchased within the past XX days, please confirm that the registration has been updated to reflect your ownership" or something to that effect. I simply opened the email and was blasted with the notice that they'd found something that we'd apparently hid from them, and my interpretation of that was that it was slamming our ethics. I'm not saying that very well, but you get my drift. I also find it terribly creepy that they put the full name of a stranger in our email. When we purchased the truck last week from a long-standing reputable dealer, never in any paperwork was the previous owner's name listed. Frankly, we're buying a used truck, and the previous owner's name is none of our business.

So that email on top of the previous one that claimed we'd provided inaccurate information about a gap in our coverage on top of our current insurance agent's genial incompetence on several occasions (not that his incompetence had anything to do with Esurance!) was enough to send me around the bend. We have excellent credit and a clean driving record other than a deer hit at the end of 2009 (the deer hit last fall didn't count against us since no insurance was paid out) so this should be SO simple.

Thank you all again. I'm off to do some internet research! You guys are the best!

USAA does work with dependents of military personnel. It has allowed this for years. My father was in the Air Force and all of us were eligible for the whole range of financial programs, products,etc.

I need to put this on my To-Do list this summer to get some other quotes.

Judithn, thanks for the heads up on USAA. I've also heard good things about Amica.

You're a good sport, folk. I had regrets after I posted. My husband is the sweetest guy in the world but the one thing that will set him off is if someone tells him to chill out (or words to that effect).

Note re USAA: it's great for everything, really fabulous, except for medical claims resulting from auto accidents. They subcontracted out that particular part of their company a couple of years ago and there are *numerous* class action and individual suits for breach of contract resulting from incorrect denial of benefits. The contracting company is called "Auto Injury Solutions" (yep, ironic, I know) and they are horrible. Google USAA Auto Injury Solutions lawsuit and you'll see.

I'd been in love with USAA--they were extremely helpful when the tree fell on our house back in 2008 as some of you may remember--until I had to file an auto-related medical claim recently. The insulting BS I've had to put up with is getting to the point where I've now retained an attorney and I'm going to be looking for another insurance company for at least our auto. USAA made a MAJORLY bad move by trying to cut costs in this area. You don't mess with people when they're injured and have valid claims.

Here is a link that might be useful: here's one to get you started. Really sad to see a good company go bad :(

Jeepers, fly, I was just about to say how I am so happy with USAA. Luckily, we haven't had to make any medical claims. I am so sorry to hear about that-surprised, too. I hope you come out on top in all this.

I had Amica for years and liked them also, but after more than 10 years, they canceled me when my son was 17 and had a really minor fender bender that wasn't even his fault and for which they didn't have to pay out anything (in fact, we had never made a claim for anything in all those years). That irritated me. They said it was because he had two speeding tickets as well. Bummer.

I am not sure there is any five-star insurance company these days.