Community Chat

[CelticCrafter]

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@Love my grandkids wrote:

@drizzellla You say your son has been with SF for 20 years but the insurance is NOT in his name so *technically* he hasn't been with them for 20 years.

Do I understand this correctly? If he wants it in his name he has to get a credit check. Is there some reason he won't or doesn't want to?

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@Love my grandkids the OP says he's had insurance in his own name.  I don't understand the reluctance to have his credit checked if it's so good.  

[beckyb1012]

I just dropped my auto insurance company this week after being with them since 2000.  The new company did not do a credit check.  I do have another type of policy with them but never had an insurance company request a credit check before.  I thought they were concerned only with violations and accidents and could check that themselves. 

[drizzellla]

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@Tinkrbl44 wrote:

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@drizzellla 

Sorry if I missed it, but I assume you had a frank discussion with your agent.  What do THEY say?  

Personally, I would shop around with a couple insurance agents and see what they come up with.

Not that doing so will start a bidding war, but people have to get over the idea that a "long time customer" means anything anymore.  It doesn't. 

You are a "free agent" and can change companies every single year if it benefits you to do so. 

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You are right. My husband as I type is talking to several different insurance agents in the area.

@Tinkrbl44 Sometimes, you have to say "It's time to move on" and this is the time.

Just as a note - we rarely if ever had to talk to our "old" insurance agent. But his office was so well run. He had wonderful employees that knew what they were doing and handled everything so well.

The new agent we have had almost no interaction but when I went to buy my new car, the car dealer needed insurance information. NO ONE answered the phone the entire day that the Finance Guy tried calling. And my husband left numerous voice messages - no one got back to us, until the next day. All interaction since then has seemed to go downhill.

[beckyb1012]

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@drizzellla wrote:

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@Tinkrbl44 wrote:

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@drizzellla 

Sorry if I missed it, but I assume you had a frank discussion with your agent.  What do THEY say?  

Personally, I would shop around with a couple insurance agents and see what they come up with.

Not that doing so will start a bidding war, but people have to get over the idea that a "long time customer" means anything anymore.  It doesn't. 

You are a "free agent" and can change companies every single year if it benefits you to do so. 

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You are right. My husband as I type is talking to several different insurance agents in the area.

@Tinkrbl44 Sometimes, you have to say "It's time to move on" and this is the time.

Just as a note - we rarely if ever had to talk to our "old" insurance agent. But his office was so well run. He had wonderful employees that knew what they were doing and handled everything so well.

The new agent we have had almost no interaction but when I went to buy my new car, the car dealer needed insurance information. NO ONE answered the phone the entire day that the Finance Guy tried calling. And my husband left numerous voice messages - no one got back to us, until the next day. All interaction since then has seemed to go downhill.

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Sounds like it is time to move on.  As far as buying the new car I know here in Texas you have 30 days to make the changes in your insurance policy.  

[Sage04]

I'm trying to see where @drizzellla  said her son has never had insurance in his name. I can't find it. Maybe I'm missing something.

[beckyb1012]

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@Sage04 wrote:

I'm trying to see where @drizzellla  said her son has never had insurance in his name. I can't find it. Maybe I'm missing something.

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I thought she stated her son had been with the company for 20 years himself and her her husband for 40+

[SilleeMee]

Just recently I shopped around for a different car insurance company and every single quote given to me was higher than what I'm paying right now with my existing company. I'm staying put.

[drizzellla]

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@Love my grandkids wrote:

@drizzellla You say your son has been with SF for 20 years but the insurance is NOT in his name so *technically* he hasn't been with them for 20 years.

Do I understand this correctly? If he wants it in his name he has to get a credit check. Is there some reason he won't or doesn't want to?

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His insurance on his original car that was totaled was in his name.

The insurance on my former car is still in my name. And State Farm would not change the name to his until we did a credit check on my son. 

My husband is of the opinion that if State Farm wants a credit check, they are welcome to do it. He can't believe that State Farm does not have a Dun & Bradstreet account ot something similar to check up on people. But the agent refuses to do it. She said we have to. My husband dealt with credit checks all the time with his work.

He has no idea what State Farm is chceking. So why should we have to pay $50-several hundred dollars and then not have the information State Farm wanted.

[Mz iMac]

@Sage04     "And they still have the insurance under my name for the car my son now drives. They refuse to put it in his name unless he gets a new credit check."

[croemer]

House and car insurance rates are based on credit...even if you have always been on time with the insurance company. They are getting tougher and tougher.