Insurance...Rate UP, and do I mean UP!

[SMorneau]

I am not so sure having all your policies in one basket is really a good idea. Some companies count claims and evaluate you based on the number of claims. If you make a claim on your house and your car and your boat that's three claims with one company and most will take note (raise your premiums). If they were all with separate companies any one of those companies would only see one claim and they probably wouldn't get a "flag".



My mom works for an independent insurance agent, in PA, and she said a lot of companies are counting comp claims like they used to count collisions. They have to get their clients to change companies after 20 years because they hit a deer! Oh yeah, my mom doesn't lie.



We once had a company decide they were going to drop some of their agents but they were kind enough to let us start a new policiy with them at another agent. Of course, the rates were much higher with the same coverage. We were a month away from having an accidend fall off of our record and only Farmers would write us as a non-risk for reasonable rates. Last year we dumped Farmers because they were continually upping the premiums.



Might as well put your deductibles way way high, keep some money for a rainy day, and don't claim anything under a couple of thousand. I know there are a lot of people who say I pay for my insurance and I'm going to use it! Well some of them are really paying now.

 

[schu777]

Right now I've got $500 deductable for the auto - I'm going to double that, take what I save and put into a Savings goal in Quicken. Eventually I'll have the extra $500 (or $1000) in case I need to make a claim.



I'm not very happy with one of the agents I tried to get hold of, last week I called, no response yet! Just makes me wonder if I had to make a claim with them...



Oh well, frustrating in the least...

 

[Chipstien]

I'm with Jarsong. Up untill recently I thought Progressive was a joke. But I recently checked and switched because They are saving me 95 dollars a month. Thats 1140 per year. :--) :--)



Of course I was getting raped by State Farm. Every renewal it kept going up.

 

[thejeepdude]

Originally posted by schu777

Right now I've got $500 deductable for the auto - I'm going to double that, take what I save and put into a Savings goal in Quicken. Eventually I'll have the extra $500 (or $1000) in case I need to make a claim.

I have a deductable of $250 because that's the most that all the glass companies will "waive" for a windshield replacement. My Jeep's windshield is so vertical that it seems to pick up a rock once every year or two... that's a $900 windshield for OEM glass, so it's worth the extra ~$50-$100 for the lower deductable, IMO. And just the other day the windshield in my CTD cracked one night when it was about 8 degrees and I had the defroster cranked! This happen to anyone else?

 

[XcumminsX]

Dang... i guess im lucky... 18 year old male. . 2003 ram 2500 insurance for 1 year = 1000 bucks



Nick

 

[QRTRHRS]

Originally posted by thejeepdude

And just the other day the windshield in my CTD cracked one night when it was about 8 degrees and I had the defroster cranked! This happen to anyone else?

That happened to my wife's Explorer. It had ice then snow on it. I started it to warm the glass while I brushed the snow off. There were some minor dings which my have contributed to the glass cracking. I had some bozo pass me on the shoulder in traffic and bounce a rock off a Toyota I had chipping the windshield going home from third shift once. Went to work that night, okay, come out the next morning and the windshield was cracked off that ding. This was also in the winter.

 

[Blakers]

Originally posted by jarsong

Me two until this year. Progressive saved me $600. 00 per year. No tickets or anything on my record. Worth the call.

jarsong

Well maybe it's worth a call.

 

[Blakers]

Anyone tried AAA for rates? I got a form from them and from the NRA to get an insurance quote.



Blake