topic Re: Car Insurance in Among Friends

Car Insurance

Katcat1 — Tue, 22 Aug 2017 22:54:25 GMT

I have been with my agent 7 years never had a claim. My insurance rates are high because of my zip code (there must theft or other claims outside my present area) as we are seniors in all 3 buildings and have no problems here with cars. So I call my agent up and I told her I wanted to drop collison since my car is 2005. I said my rates keep going up. She tells me my rates have been the same for 4 years (that was a lie). I told her I would call back once I made a decision. So I call back today and she was shocked that I had the figures for each category on my car. Take off collison which is $104.05 and I will keep comprehensive. In my first call she is telling me I need to take off comprehensive too. Then she said, oh you flooked over the figures. Did she think I would make a decision without looking at everything and I corrected her on a couple of things but never brought up the fact that she lied about my rates being the same for 4 years. Little does she know that I will be changing agents. If you cannot be truthful with me, I cannot trust you. I can imagine how she handles clients that are older than me. Well this senior chick has her number. Ever have your agent lie to you??

Re: Car Insurance

software — Tue, 22 Aug 2017 23:09:06 GMT

Too many choices out there to be treated unfairly.

Shop around

Re: Car Insurance

Desertdi — Tue, 22 Aug 2017 23:11:55 GMT

I have a sports car with an enormous engine. You would faint if you knew what I pay for insurance. But.......it's my "only vice"...........(!!)

Re: Car Insurance

millieshops — Tue, 22 Aug 2017 23:16:41 GMT

How fast did she give you that answer? I ask that because I suspect she was talking off the top of her head instead of trying to get away with a lie. However - that's as bad as a lie when it comes to doing business. It's bad news that she thinks she can brush you off!

Do some investigating because if the company you're now using ends up with the coverages and rates you want, then just ask for a new agent. I think every company honors those requests.

Re: Car Insurance

Mom2Dogs — Tue, 22 Aug 2017 23:33:19 GMT

I recently had a conversation with our agent, he handles home, auto and our business. I noticed that our homeowners jumped quite a bit this year and he said it is because the company does not like our $250 deductilble and are probably trying to get us to leave or up the deductible to $1000....but during the course of the conversation he told me since we had such a good credit score he could get our auto insurance lowered by $100.00!! ..so long story short, when looking for another company see if that is a possibility for you.

Re: Car Insurance

IMW — Tue, 22 Aug 2017 23:34:17 GMT

I don't use an agent, I get group rates through my union.

Once I changed companies, kept exact same insurance

and saved $700 a year.

Re: Car Insurance

Coquille — Tue, 22 Aug 2017 23:38:04 GMT

We have been using our agent for about 5 years for auto insurance. Before that, we used that same company for about 40 years for our car. This agent has been handling our Honeowners policy for about 15 years or more. Our rates have gone up, especially the last two years. It's a shell game. They give you a good rate and then the next year, the price goes up. I told my broker, we want better pricing or we will find a different company for our car insurance. We did our own research and found, when we went directly to the same insurance co. (as we had through the broker) we would be saving $1300.00 a year. We are still astonished. We told the co. we wanted to match our old policy exactly and they did, to the tee. Amazing. I have always been a sceptic but I'll take this one. Even if they raise us next year, who cares. As long as the policy is exactly the same and we know that this company is extremely reputable, we don't see how we can lose. The insurance ua with AARP. Check out coverage on your own. Good luck.

Re: Car Insurance

croemer — Wed, 23 Aug 2017 00:02:52 GMT

We just left Farm Bureau insurance...why because for 2 cars no accidents they were charging us over 2800 every 6 months. My husband has been with them his whole life...way over 40 years. We change to AAA and the cost is 2005.00 per YEAR! Same coverage...we went over it line by line. We feel duped because we stayed with them so long. My husband did hit a buck down the street but this cost was before that. The AAA cost was after hitting the deer.

Re: Car Insurance

AuntG — Wed, 23 Aug 2017 00:09:04 GMT

No, I never had that happen, but we switched companies when we found we could save a considerable amount.

Re: Car Insurance

NicksmomESQ — Wed, 23 Aug 2017 00:12:49 GMT

You can save a whole lot of money if you skip the agent & buy directly from an insurance company.The major companies have toll free numbers you can call for quotes.For example Geico,Travelers,Liberty Mutual etc.If you prefer you can go to their websites for online quotes too.

Re: Car Insurance

Moonchilde — Wed, 23 Aug 2017 00:33:27 GMT

The rates for companies who use agents are very often, if not nearly always, higher than dealing with an insurance company directly. I haven't used anything but online & mail companies for at least 35 years. I've had claims (the other guy's fault) over the years and none of the companies gave me any sort of hassle, or were not diligent on my behalf. And the rates are definitely lower.

Re: Car Insurance

sunshine45 — Wed, 23 Aug 2017 00:42:32 GMT

i prefer to have an insurance broker and he goes above and beyond for us.

i have his office and personal number on my cell phone.

for many years we dealt directly with nationwide insurance.

our insurance broker checked out many different insurance options and got us the best deal with higher coverage and lower premiums. he also does not mind checking rates out yearly if i ask him. right now we are with ERIE insurance and bundled.....home, autos, umbrella policy.

Re: Car Insurance

Boomerdotty — Wed, 23 Aug 2017 01:02:27 GMT

Saved a bunch on car insurance by dropping agent and buying through AARP membership directly. Same exact coverage. It's worth the hassle to shop around every few years. Good luck!

Re: Car Insurance

viva923 — Wed, 23 Aug 2017 01:53:01 GMT

car insurance is outrageous, but we have to have insurance to drive.

dh and i just increased our car insurance up. We had standard full coverage. We increased to much high payouts. We have full coverage on both cars and both cars are 14 yrs old and 6 yrs old.

reason is why we increased our insurance is. Our neighbor was involved in a car accident, she was stopped at red light, a lady plowed into her. She had whip lash and had to have surgery 2x's. well because the lady only had low standard insurance and i believe my neighbor said the lady driver only had comprehensive on her car. Now that lawyers have begun working on car accident to pay out bills. If i understood my neighbor lady her car insurance has is going after the lady for all the money that is still owed for bills for hospital,surg,and so forth. The driver who hit my neighbor lady the car driver hitter car insurance she had was used up for surgeries my neighbor lady had and hospital stays (ICU 2x's) and so forth. So neighbor lady car insurance is going to sue the driver for the remaining money owed to pay the remainder of the bills owed.

When I heard that dh and I talked about it and increased our coverage from just the standard to heavier coverage for both our cars.

our monthly payments increased some but nothing to drastic. We just feel better if something happens we are better covered.

Re: Car Insurance

happycat — Wed, 23 Aug 2017 11:19:24 GMT

@Mom2Dogs wrote:
I recently had a conversation with our agent, he handles home, auto and our business. I noticed that our homeowners jumped quite a bit this year and he said it is because the company does not like our $250 deductilble and are probably trying to get us to leave or up the deductible to $1000....but during the course of the conversation he told me since we had such a good credit score he could get our auto insurance lowered by $100.00!! ..so long story short, when looking for another company see if that is a possibility for you.

Well, we have good credit, have home and our 3 autos on it. Goes up every year. Nothing have ever been said about getting better rate due to good credit. I will be calling them.

Re: Car Insurance

CelticCrafter — Wed, 23 Aug 2017 11:55:45 GMT

You need to shop around.

We saved a lot of money by bundling the homeowners, umbrella and auto insurance with one company.

The reason direct writers are less expensive is because they aren't paying independent agents commissions.

Re: Car Insurance

kitty60 — Wed, 23 Aug 2017 14:21:45 GMT

Went through the insurance exercise a few years ago after being with the same company 40 years. We have all kinds of insurance, home, auto, umbrella, rental properties, special coverage etc. It is so easy to get in the rut of staying with one company, espcially when you don't have any claims. Just seems so much easier. To the point of the high performance car, while most of DH vehicles are older collectibles, he added a high performance new vehicle last year. Was ready to faint...came in the same price as our every day Nissan! Go figure...

Re: Car Insurance

Bird mama — Wed, 23 Aug 2017 15:49:32 GMT

@Katcat1 I live in Michigan.

Anyone else who lives in Michigan that reads my post will understand what that simple 4 word sentence above this one means.

I started out with Allstate with my first car. I had to give my agent credit because he came out and said I was redlined - a Detroit resident.

I was told, when you get older the rates will drop. When you move the rates will drop.

I've been with State Farm for awhile because I have my house insured by them and husband's car was always insured by them. I finally added my car to State Farm after 20 + years with Allstate (just easier).

Homeowners isn't bad and I don't have a flimsy homeowners policy.

I am not a menace to society on the road and am 55 today, not living in Detroit for some time time and my Nissan Versa insurance is high to me (2010 model). I have a '99 Camaro that I dropped to no-fault only because even though the car is in good shape, the age is such that they would total the car if there was an accident (told this by the agent).

I have coordination of benefits between my medical and auto insurance. My agent told me when I hit 65 and go on Medicare insurance, rates will go up because Medicare insurance never coordinates with auto.

In summary - it's all a crock. We never catch a break :-)

Re: Car Insurance

patbz — Wed, 23 Aug 2017 19:38:28 GMT

We are bundled with USAA, and have been for 37 years. In that time we have had two major home claims as well as a totalled fifth wheel (all 3 were flood claims). Additionally, we have had multiple front car window and several fender bender plus one car hail damage. As USAA states in their tv ads, we are members for life.

Re: Car Insurance

Group 5 minus 1 — Wed, 23 Aug 2017 19:40:23 GMT

What do you mean you dropped to "no fault"? I thought no fault was the law?