Comment on car insurance

Citation? Evidence?

 

Citation? Evidence?

 

I did and the quote was 3X higher than I'm currently paying State Farm.
And, that was for less coverage.

JT

 

I did and the quote was 3X higher than I'm currently paying State Farm.
And, that was for less coverage.

JT

 

Have you compared this with Hartford, including their programs for Credit
Union or other group membership?

Only problem with UURP is their constant nagging and selling of your
information.

 

Have you compared this with Hartford, including their programs for Credit
Union or other group membership?

Only problem with UURP is their constant nagging and selling of your
information.

 

DIY, check out the insurance carrier (BEFORE you sign up) with

http://www.ambest.com/

You have to register to get their ratings information but it's free.

Rick++'s info may only be anecdotal but generally speaking what happens
in one claim from a sub-standard carrier, happens with most, if not all,
of them.

If they have ANY leg to stand on they will deny the claim and make you
sue to collect. There's a certain attrition rate that makes it
profitable for them to do so.

The better companies will try to keep their cost down but do so in a
"penny-wise, pound foolish manner."

I once had Country Companies, a good carrier, that insisted on using
non-GM parts in its repairs. I talked to the body shop and they said
the bumper cover from either GM or second party would do but to avoid
the sheet metal.

I struck a deal with the adjuster who used genuine GM metal but a second
party bumper cover.

The second party bumper cover wound up actually costing more since it
came pre-primed and was a dead-nuts fit on the Pontiac. The 2nd party
cover needed prep, primer and additional labor to make a perfect
fit/finish and Country Companies was cool with that. IIRC, that
substitution cost them an additional $130 but since they had used the
second party cover, their bean counters were happy, etc.

Dumb, dumb, dumb but that's the way it goes.

You run across some sub-standard carrier that specializes in insuring
drunks, bad drivers, etc. with the minimum required - $20k liability
here - and charging their drivers $700 or more a year for what is
practically nothing and you will find they won't give you a cent until
you file suit or back them into a corner with a threat of "bad faith."

It does happen and it happens all too frequently. If you haven't
witnessed it you're just leading a charmed life<G>

 

DIY, check out the insurance carrier (BEFORE you sign up) with

http://www.ambest.com/

You have to register to get their ratings information but it's free.

Rick++'s info may only be anecdotal but generally speaking what happens
in one claim from a sub-standard carrier, happens with most, if not all,
of them.

If they have ANY leg to stand on they will deny the claim and make you
sue to collect. There's a certain attrition rate that makes it
profitable for them to do so.

The better companies will try to keep their cost down but do so in a
"penny-wise, pound foolish manner."

I once had Country Companies, a good carrier, that insisted on using
non-GM parts in its repairs. I talked to the body shop and they said
the bumper cover from either GM or second party would do but to avoid
the sheet metal.

I struck a deal with the adjuster who used genuine GM metal but a second
party bumper cover.

The second party bumper cover wound up actually costing more since it
came pre-primed and was a dead-nuts fit on the Pontiac. The 2nd party
cover needed prep, primer and additional labor to make a perfect
fit/finish and Country Companies was cool with that. IIRC, that
substitution cost them an additional $130 but since they had used the
second party cover, their bean counters were happy, etc.

Dumb, dumb, dumb but that's the way it goes.

You run across some sub-standard carrier that specializes in insuring
drunks, bad drivers, etc. with the minimum required - $20k liability
here - and charging their drivers $700 or more a year for what is
practically nothing and you will find they won't give you a cent until
you file suit or back them into a corner with a threat of "bad faith."

It does happen and it happens all too frequently. If you haven't
witnessed it you're just leading a charmed life<G>

 

My experience with AARP Hartford has been pretty good also. I insure
two sedans and the truck, all without collision, for under $800/yr.
Some 7 or 8 years ago I backed into somebody in a parking lot. Not
much damage to the other car and none to mine. They paid the other
party and raised my rates about $100/yr for four or five years.

I've had Geico and Allstate and wouldn't consider them again. All
they do is raise rates every year and I never made a claim. I once
got two renewal bills from Allstate about a week apart for the exact
same policy with a different price for each! I dumped them on the
spot. I also have no intention of paying Geico so that they can make
Madison Avenue and Warren Buffet's stock portfolio rich. I definitely
pays to shop around. Easy to do these days with the internet. Al

 

My experience with AARP Hartford has been pretty good also. I insure
two sedans and the truck, all without collision, for under $800/yr.
Some 7 or 8 years ago I backed into somebody in a parking lot. Not
much damage to the other car and none to mine. They paid the other
party and raised my rates about $100/yr for four or five years.

I've had Geico and Allstate and wouldn't consider them again. All
they do is raise rates every year and I never made a claim. I once
got two renewal bills from Allstate about a week apart for the exact
same policy with a different price for each! I dumped them on the
spot. I also have no intention of paying Geico so that they can make
Madison Avenue and Warren Buffet's stock portfolio rich. I definitely
pays to shop around. Easy to do these days with the internet. Al

 

Huh. I've had Allstate for many years, with no probs. And my premiums have
gone down. Multiple policies (homeowner's & auto), along with a slew of
various other discounts pertinent only to the car insurance.

Cathy

I also have no intention of paying Geico so that they can make

 

Huh. I've had Allstate for many years, with no probs. And my premiums have
gone down. Multiple policies (homeowner's & auto), along with a slew of
various other discounts pertinent only to the car insurance.

Cathy

I also have no intention of paying Geico so that they can make

 

Is Erie aware of ALL the details of your driving record and of the driving
records of ALL people who EVER have access to ANY of your vehicles?

I thought not.

 

Is Erie aware of ALL the details of your driving record and of the driving
records of ALL people who EVER have access to ANY of your vehicles?

I thought not.

 

There is one guaranteed way to cut your insurance bills: do not have ANY
more vehicles than you really NEED.

 

There is one guaranteed way to cut your insurance bills: do not have ANY
more vehicles than you really NEED.

 

Do you REALLY need ****FOUR***** vehicles? Since my wife and I dumped our
extra vehicles we have saved THOUSANDS.

 

Do you REALLY need ****FOUR***** vehicles? Since my wife and I dumped our
extra vehicles we have saved THOUSANDS.

 

Say... you aren't a Commie, are you? ;-)

 

Say... you aren't a Commie, are you? ;-)