If your deductible is zero, that means that your deductible has gone from whatever you had it, to zero without increasing your premium for the zero deductible. In other words, you had no claims in the past four years, and your deductible has gone down twenty-five percent per year over those four years. I had a claim, last year, and I didn't have to pay a deductible. It started out as a four percent deductible, and it went down when I had no claims for four years or more. I had the same question as you, until they explained it to me. My insurance is due to renew in April, and the deductible will probably go back to four percent, plus whatever the new rates have increased to.
Alan Bergen 35 Mk III Thirsty Rose City YC Portland, OR Alan On Sat, Feb 3, 2018 at 3:26 PM, Matthew Wolford via CnC-List < cnc-list@cnc-list.com> wrote: > Agreed. I suspect we’re paying for hurricane damage. > > Sent from my iPhone > > On Feb 3, 2018, at 3:50 PM, ahycrace ahycrace via CnC-List < > cnc-list@cnc-list.com> wrote: > > Hello all > > Well I just got my insurance bill from boat US and it went > up 238$ a pretty big increase. I called to ask why and they said it was > nothing on my end rates just went up. I am wondering if everybody else got > raised as well? I tried to increase my deductible which is zero, to say > 4% or so to lower my rates. They said they can't do that because they have > a automatic lowering of the deductible over time and once it reaches zero > it must stay there. Sounds like they just want to keep the bill up! 1100$ > for 40k, might have to start shopping, any feedback? > > > Gary K > "Liberty" 1976 38' MKll > > _______________________________________________ > > Thanks everyone for supporting this list with your contributions. Each > and every one is greatly appreciated. If you want to support the list - > use PayPal to send contribution -- https://www.paypal.me/stumurray > <https://urldefense.proofpoint.com/v2/url?u=https-3A__www.paypal.me_stumurray&d=DwMFaQ&c=clK7kQUTWtAVEOVIgvi0NU5BOUHhpN0H8p7CSfnc_gI&r=9w3G7Cf8YfQnrjmtuNxwDJYr3JMv9f1pAfgAJ9xXYQQ&m=2U_5L_e3GrWKFNqDfDH8lQKhFjzNH9IpqAkyUbGhZxk&s=F8dDVQgUiZu6J0Wd-4HJ6yQLQAARAh0o1KEgcCudokA&e=> > > > _______________________________________________ > > Thanks everyone for supporting this list with your contributions. Each > and every one is greatly appreciated. If you want to support the list - > use PayPal to send contribution -- https://urldefense.proofpoint. > com/v2/url?u=https-3A__www.paypal.me_stumurray&d=DwICAg&c= > clK7kQUTWtAVEOVIgvi0NU5BOUHhpN0H8p7CSfnc_gI&r= > 9w3G7Cf8YfQnrjmtuNxwDJYr3JMv9f1pAfgAJ9xXYQQ&m=2U_5L_ > e3GrWKFNqDfDH8lQKhFjzNH9IpqAkyUbGhZxk&s=F8dDVQgUiZu6J0Wd- > 4HJ6yQLQAARAh0o1KEgcCudokA&e= > > >
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