topic Re: I Saved Money On My Car Insurance! in Community Chat

I Saved Money On My Car Insurance!

Anonymous032819 — Sat, 09 Nov 2019 00:56:00 GMT

I have been a member of AAA ever since I got my license back in 1989.

Okay, I'll be the first to admit that I was a dumb, stupid idiot for not having paid closer attention to things, so no one needs to knock me over the head for that.

I went in to the local AAA office today to get some information on something, and once that was concluded, the helpful woman behind the counter asked me if there was anything else that she could help me with.

I decided to pay for my insurance (I pay monthly) for the month, and I gave her my drivers license.

She went to look me up on the computer, only to discover that I had TWO Premier policies!

Now, I was paying over $300/month for my insurance.

Yes, I thought that was steep, but I thought that since I had a newer car, and I had a policy that had all the bells and whistles, that, that was just how much it cost.

As it turned out, I had one policy from 2011, and another from 2016.

My dad and I were on the same policy for a numer of years, as were our vehicles, until he had to give up driving in 2016.

I honestly don't know how all of this happened, but they cancelled the 2016 policy.

So, all this time, I was actually paying for two policies.

So now, instead of paying over $300/momth, I'll only be paying a little over $100/month.

The woman said that while she couldn't give me a quote, she did say that I should be getting a refund!

As I said, I know that I was a dumb, stupid idiot for not having paid closer attention, but if I had not gone in today to take care of other business, I still would not know about this second policy.

So, yes, I did save money on my car insurance today.

Re: I Saved Money On My Car Insurance!

Mz iMac — Sat, 09 Nov 2019 01:48:48 GMT

AAA owes you 3 years worth of overpayments? $7k+?

I would be callng AAA every other day for a status report.

Re: I Saved Money On My Car Insurance!

Shawnie — Sat, 09 Nov 2019 02:55:27 GMT

I didn't know they had car insurance. But i had my insurance agent review my policy and shop for a better deal. And now i will be saving $300 a year.

Re: I Saved Money On My Car Insurance!

Shawnie — Sat, 09 Nov 2019 02:58:07 GMT

You thought $3,600 a year was a typical premium for one person???

Re: I Saved Money On My Car Insurance!

NicksmomESQ — Sat, 09 Nov 2019 03:08:59 GMT

Ten years ago when I added my 17 year old son as a driver on my auto policy, the insurance company raised my rates by $3600!!

My agent said that the company didn't like insuring young drivers so they hiked the rates.

I ended up leaving that company for another.They wrote the policy for the same premium I was paying before I added my son.

You should always shop around.Insurance rates are more competitive than you think.

Re: I Saved Money On My Car Insurance!

elated — Sat, 09 Nov 2019 03:41:27 GMT

Are you saying you have been paying on two policies since 2011. I find it strange that AAA didn't catch the duplicate policies. Also, don't you get renewal notices every year. You and your Dad were on the same policy. I am really confused as why it took you so long to realize the duplicity. It is a good thing you went into the company. Also, $3600 a year for car insurance is extremely high. I am surprised you never thought to get other quotes.

I question everything since I am single. Everyone should watch their finances. I am glad you finally remedied the situation.

Re: I Saved Money On My Car Insurance!

Anonymous032819 — Sat, 09 Nov 2019 04:08:23 GMT

I have been a member of AAA vehicle insurance since I got my very driver's license in 1989.

Even the woman behind the counter was confused as to why I had two insurance.

And yes, with having a newer car, and the top tier coverage, I thought that $300/month was normal.

Plus, as much as I love my state, (Ca) everything is more expensive here.

Stupid, stupid me. I get it. I was a dumb, stupid idiot.

When I would get stuff in the mail from them concerning my policy, it only showed ONE police, and not two.

I did not know that there was a second one.

I admit that I was a dumb, stupid idiot for not knowing sooner that there was a second policy.

Re: I Saved Money On My Car Insurance!

sunshine 919 — Sat, 09 Nov 2019 04:27:05 GMT

Wow look at it as a Christmas club account (back in the day the banks had savings accounts for Christmas) or a vacation fund. Good for you

Re: I Saved Money On My Car Insurance!

Mz iMac — Sat, 09 Nov 2019 05:31:05 GMT

@sunshine 919

Banks still have them. Mine does (Fulton Bank).

Re: I Saved Money On My Car Insurance!

dex — Sat, 09 Nov 2019 06:33:57 GMT

@Anonymous032819 @Well you found out and learned a lesson that you were kind enough to share with all of us.Thanks for rem8nding us we need to pay close attention to our expenses and not just trust the bills to be accurate.I hope you find something great to spend your refund on.

Re: I Saved Money On My Car Insurance!

ID2 — Sat, 09 Nov 2019 11:35:46 GMT

Run! Run as fast as you can away from AAA insurance! We had it for years until we moved. Our Progressive car insurance is soooooo much cheaper with way more coverage!!

Re: I Saved Money On My Car Insurance!

shaggygirl — Sat, 09 Nov 2019 12:34:54 GMT

And when your renewal came each year you didn't get 2 separate bills nor if just one see 2 policy numbers on it? Or car info for 2 cars like make/model/year? I can't wrap my head around what happened or how this happened without you or them noticing. Maybe I'm not understanding what you're saying, I'm confused & need more coffee.

Re: I Saved Money On My Car Insurance!

Puppy Lips — Sat, 09 Nov 2019 12:53:45 GMT

I switched auto insurance companies a few years ago and saved about $100 a month. I had been meaning to shop around long before that, but never did. It is one of those things that I thought was going to be a pain to do, so kept putting it off. But when I finally did it, it was easy. I need to shop my home insurance too as I have been putting that off now. We all need to shop around and stop letting these insurance companies over charge for years. They are only looking out for themselves.

Re: I Saved Money On My Car Insurance!

RetRN — Sat, 09 Nov 2019 19:19:37 GMT

@shaggygirl wrote:
And when your renewal came each year you didn't get 2 separate bills nor if just one see 2 policy numbers on it? Or car info for 2 cars like make/model/year? I can't wrap my head around what happened or how this happened without you or them noticing. Maybe I'm not understanding what you're saying, I'm confused & need more coffee.

Exactly, I think I may need to add something to my coffee. LOL.

Re: I Saved Money On My Car Insurance!

kivah — Sat, 09 Nov 2019 21:12:56 GMT

I found that AAA usually has higher premiums - so I never went with them. Best to call an independent insurance agent in ur area - who will check the rates of many insurance companies and find the best one for u. I have Mercury Insur - homeowners and auto. I live in southern Calif.

Re: I Saved Money On My Car Insurance!

Lipstickdiva — Mon, 11 Nov 2019 15:35:16 GMT

What an oversight on their part as well. When my insurance is renewing, I get a Declaration page with all my coverage listed and I get new cards that I need to put in my vehicle to have with me. How were they not sending this information out to you and how were they not sending you cards?

This is why I prefer to have an actual agent. Something like this wouldn't happen with an agent because you contact them to make changes and they make sure everything is correct.

And yes, as others have said, it pays to periodically look around and get quotes.

Re: I Saved Money On My Car Insurance!

sunshine 919 — Tue, 12 Nov 2019 01:49:30 GMT

@Mz iMac wrote:
@sunshine 919

Banks still have them. Mine does (Fulton Bank).

Wow I had no idea they were still around Glad there are some things still the same

Re: I Saved Money On My Car Insurance!

Lucky Charm — Tue, 12 Nov 2019 01:52:48 GMT

@RetRN wrote:
@shaggygirl wrote:
And when your renewal came each year you didn't get 2 separate bills nor if just one see 2 policy numbers on it? Or car info for 2 cars like make/model/year? I can't wrap my head around what happened or how this happened without you or them noticing. Maybe I'm not understanding what you're saying, I'm confused & need more coffee.
Exactly, I think I may need to add something to my coffee. LOL.

The good news is, she's due thousands of dollars back from the insurance companies and looking to take a vacation!

A week or so ago she had another windfall from a life insurance policy.

Money is falling from the sky! Whoo Hooo!