insane insurance BS
#12
07-18-2012, 10:14 PM
Dude geico. check it out. You seriously get insurance in 5 min online and you bypass the sales rep so you have no commission to pay.
#18
07-19-2012, 12:22 AM
There is a rep, but no middle man, and why have towing when AAA is like 89 a year plus windshields are only 120 bucks installed its lower then a deductible so why would an issurance company cover it? Damage is covered but like I said it has to be higher repair cost then the deductible. All your doing by going on the internet is getting the coverage yourself and skipping the agent reps are available thats why they have a number to call. The person you go to is a broker not an agent they get commission was trying to get you to bypass the broker and save the commission.
Last edited by Mr Grizzly Mint; 07-19-2012 at 12:24 AM.
#19
07-19-2012, 06:11 AM
Join Date: Apr 2010
Location: Mentor, Ohio
Posts: 12,198
Sounds like you had Progressive insurance??? If so, they SUCK! I could go into detail why I would advise NOT to use them!!
I'm happy with State Farm, no issues
I would also advise, have an agent. Reasons:
- A good agent will help and advise you on your insurance
- You have a brick and mortar location to visit your agent.
- You can build a relationship with an agent but not a random person on a 800# phone call
- A good agent will help you if the corporate side is giving you a problem
My Progressive issue was getting rail roaded by those clowns when I was insured with them and a guy that hit me was ALSO insured with them (and they kept telling me that is an unusual situation).
I'm happy with State Farm, no issues
I would also advise, have an agent. Reasons:
- A good agent will help and advise you on your insurance
- You have a brick and mortar location to visit your agent.
- You can build a relationship with an agent but not a random person on a 800# phone call
- A good agent will help you if the corporate side is giving you a problem
My Progressive issue was getting rail roaded by those clowns when I was insured with them and a guy that hit me was ALSO insured with them (and they kept telling me that is an unusual situation).
Last edited by The_Maniac; 07-19-2012 at 06:14 AM.
#20
07-19-2012, 07:16 AM
Auto Insurance is Expensive 4-Sure...My company said mine will go down when I turn 25 in a few years + it would go down further `if I got married 
Below is on age & auto insurance
Below is on age & auto insurance
Online Auto Insurance
Many people wonder at which age auto insurance becomes cheaper. Policyholders often expect their rates to go down after hitting a certain age and then contact their company when their renewal premium comes in at the same price. It is often believed by many that when a driver turns 25, they will automatically get a discount for their age. Although at any given age, a policyholder can see an instant rate reduction, prices are not based on "age", but on the amount of years they've been licensed. For example, a 25 year old driver who just got their license purchases a policy, it is more likely that they will be quoted a higher rate than a younger driver, say 22, who has been driving since the age of 16.
Once a driver hits three years licensed, they are likely to get a discount since they may be now qualify for a "good driver discount" given that their driving record is clean, meaning no violations. If there is something to look forward to as a young driver, hitting three years licensed should be it. Car insurance can significantly go down with the application of a good driver discount since it can range in the area of 20%.
Each insurance company has it's own guidelines about proving driving experience. Some will automatically give you full driving experience since the age of sixteen once you hit three years driving. For example, if one is 25 when they become licensed, at age 28, they will get credit for 12 years driving experience. (since age 16) Other companies will use "actual driving experience" which will be the exact length of time based on the issue date of the license.
At one point, too much age would raise rates instead of lowering them. For example, if one approaches the later years in life, they may be more probable to an accident. Through statistics, insurers may raise rates for those in their senior years.
The length of time licensed is just one of many factors which affect rates. Other driver factors that determine price are:
If you find yourself overpaying, the best thing to do is to compare auto insurance rates from a variety of companies to see who will offer you lower rates instead of waiting for your current ones to go down. Being knowledgeable can also help since there are a few ways to lower rates which could come in handy for those needing to save
Many people wonder at which age auto insurance becomes cheaper. Policyholders often expect their rates to go down after hitting a certain age and then contact their company when their renewal premium comes in at the same price. It is often believed by many that when a driver turns 25, they will automatically get a discount for their age. Although at any given age, a policyholder can see an instant rate reduction, prices are not based on "age", but on the amount of years they've been licensed. For example, a 25 year old driver who just got their license purchases a policy, it is more likely that they will be quoted a higher rate than a younger driver, say 22, who has been driving since the age of 16.Once a driver hits three years licensed, they are likely to get a discount since they may be now qualify for a "good driver discount" given that their driving record is clean, meaning no violations. If there is something to look forward to as a young driver, hitting three years licensed should be it. Car insurance can significantly go down with the application of a good driver discount since it can range in the area of 20%.
Each insurance company has it's own guidelines about proving driving experience. Some will automatically give you full driving experience since the age of sixteen once you hit three years driving. For example, if one is 25 when they become licensed, at age 28, they will get credit for 12 years driving experience. (since age 16) Other companies will use "actual driving experience" which will be the exact length of time based on the issue date of the license.
At one point, too much age would raise rates instead of lowering them. For example, if one approaches the later years in life, they may be more probable to an accident. Through statistics, insurers may raise rates for those in their senior years.
The length of time licensed is just one of many factors which affect rates. Other driver factors that determine price are:
- driving record history
- tickets
- accidents
- marital status
- single
- married
If you find yourself overpaying, the best thing to do is to compare auto insurance rates from a variety of companies to see who will offer you lower rates instead of waiting for your current ones to go down. Being knowledgeable can also help since there are a few ways to lower rates which could come in handy for those needing to save