Very bad experience at the end of my first year, during renewal time. I had home and auto through Bear River for a year and never had any claims.
Without any cause, they raised my auto premium by nearly 20%... again, no claims, tickets or accidents. They also raised my home owners by 5%, even though I was already grossly over-insured. Even after presenting them with a recent appraisal, they refused to negotiate.
They tried to convince me that I had to pay more than the entire appraised value of the PROPERTY, instead of just the standard structure replacement cost, which is significantly less. Basically, I was more than $70,000 over-insured already and they forced another 5% on me. Total extortion scam.
I left Bear River promptly and will not be back. You've been warned.
Review about: Bear River Mutual Auto Insurance.
Reason of review: Pricing issue.