03-19-2005, 09:44 PM
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#1 |
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Admiral
  
Join Date: Apr 2000
Location: Seattle, WA
Posts: 7,223
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Car insurance is stupid...
So I got my renewal today and they've dropped my premiums by $500. Nice huh? No drop in benefits or increases in deductibles.
How? I'm turning 25. I don't think I was a safer driver than I was a couple of months ago...What a silly system we live in. |
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03-19-2005, 10:34 PM
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#2 |
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Admiral
Join Date: Jan 2002
Location: NorCal
Posts: 6,124
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It's all in the risk profile my friend... heck, wait 'til you get married!
__________________
I think over again My small adventures, my fears. The small ones that seemed so big, For all the vital things I had to get and to reach. And yet there is only one great thing, the only thing: To live to see the great day that dawns, And the light that fills the world. -old Inuit song |
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03-19-2005, 10:40 PM
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#3 |
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Captain
 
Join Date: Aug 2002
Location: Pennsylvania
Posts: 1,811
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I must agree with you, Kevster. I can't stand insurance companies!
My truck was hit, while parked last month. A guy in an F-350 with a flat bed took the turn out of his parking lot too sharply and hit me. I figured it was an open and shut case. Guess what? He got one of his Mexican buddies to say he witnessed the whole thing, and it was my fault. I should've went with my initial instinct and pulled the baseball bad out from under my seat.  |
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03-19-2005, 10:47 PM
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#4 | |
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Admiral
Join Date: Apr 2000
Location: Seattle, WA
Posts: 7,223
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Quote:
does it go up or down? (i think up  ) |
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03-20-2005, 04:14 AM
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#5 |
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I love free!
Join Date: Apr 2003
Location: LA, California
Posts: 2,998
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Are you saying married men make bad choices
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03-20-2005, 07:38 AM
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#6 |
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Lieutenant Junior Grade
Join Date: Feb 2003
Location: shire
Posts: 125
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Mine went down when I got married. I guess they think that you take less risk if you have a family.
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03-20-2005, 04:36 PM
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#7 |
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Chief of Naval Operations
 
Join Date: Jun 2000
Location: woah... why is welfareloser here with me so early in the morning and more importantly why am I wearing her clothes?!?
Posts: 13,754
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you get a good break when married... maybe you should go to utah and get a few wives
__________________
********************************** DCM #1 (Founder)  "Nobody beats Vitus Gerulaitis 18 times in a row." - Vitus Gerulaitis on beating Jimmy Connors after 17 failed attempts. |
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03-20-2005, 05:51 PM
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#8 |
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Commander
Join Date: Apr 2000
Location: Omaha, NE, United States
Posts: 1,275
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It's not worth getting married to lower your insurance. You'll end up spending much more money elsewhere, so there's no savings.
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03-20-2005, 05:56 PM
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#9 | |
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Vice Admiral
Join Date: Sep 2000
Location: In the kitchen...skinning onions...
Posts: 4,946
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Quote:
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03-20-2005, 08:44 PM
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#10 |
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Lieutenant Commander
Join Date: Oct 2002
Location: south san fran
Posts: 537
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commenting on the marriage issue... i'm not sure if lowering insurance costs balances out for increased blood pressure and a second driver in the car
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fate grasps me and blurs my vision |
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03-20-2005, 10:12 PM
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#11 | |
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Captain
Join Date: Aug 2002
Location: Pennsylvania
Posts: 1,811
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Quote:
I think I used those exact words (WTF), when I found out that the other insurance company said it was my fault. I even took the time to try to find a witness after the accident. There were none present. Of course, the other insurance company says that they have a witness. I got paid though, but my insurance company is pursuing the whole thing. |
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03-21-2005, 12:12 AM
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#12 |
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Lieutenant
Join Date: Apr 2002
Location: So Pasadena
Posts: 423
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I had an insurance claim filed in November '04... they said anyday will finalize it.....And no one picks up the phone...
__________________
George Dubya Quotes: "It's clearly a budget. It's got a lot of numbers in it." -Reuters, May 5, 2000 "They misunderestimated me." -Bentonville, Ark., Nov. 6, 2000 |
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03-21-2005, 06:45 AM
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#13 | |
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Admiral
Join Date: Apr 2000
Location: Seattle, WA
Posts: 7,223
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Quote:
ouch...i need to stay away from your company. Who do you have? |
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03-21-2005, 09:02 AM
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#14 |
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Chief of Naval Operations
Join Date: Jun 2000
Location: the burbs of baltimore
Posts: 11,924
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gear, which insurance do u use?
I use geico, and they didn't lower it for me at all when i turned 25. I'm not changing though, cuz they haven't caught onto my driving record yet (couple tickets within the last 18 months).....and my premium has stayed constant.
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03-21-2005, 09:10 AM
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#15 | |
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Admiral
Join Date: Apr 2000
Location: Seattle, WA
Posts: 7,223
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Quote:
Amica. |
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03-21-2005, 09:18 AM
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#16 | |
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Admiral
Join Date: Nov 2001
Location: East coast
Posts: 7,116
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Quote:
They were good in the past. I have heard from everyone that I know that has Amica, including my sister, that they have gone way downhill. |
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03-21-2005, 09:21 AM
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#17 | |
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Admiral
Join Date: Apr 2000
Location: Seattle, WA
Posts: 7,223
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Quote:
Probably, but I haven't had any need to file a claim. I do pay a lot, but I have a lot of coverage (100/300/100). I'm going to shop around again, though I am limited since not all companies offer renters' insurance in addition to car insurance. |
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03-21-2005, 03:04 PM
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#18 | |
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Lieutenant Commander
Join Date: May 2000
Location: Tacoma, WA
Posts: 611
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Quote:
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To alcohol! the cause of, and solution to, all of life's problems. -Homer Simpson Flickr |
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03-21-2005, 03:06 PM
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#19 | |
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Admiral
Join Date: Nov 2001
Location: East coast
Posts: 7,116
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Quote:
Check with Erie. I found around the Balt-DC area they had the best rates when comparing it to other insurers using the same coverages. Hopefully it wil work out for you too. |
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03-21-2005, 03:09 PM
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#20 |
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Vice Admiral
Join Date: Jun 2002
Location: Northern VA
Posts: 4,927
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Car insurance is the removal of risk on your part while paying somebody else to take on that risk.
Some people say that they should get their premiums back if they never get into an accident. Sure, that might work if you can say for certain that you will *never* get into one as long as you are being carried. But the second you need that insurance you're really gunning for it. Insurance is based upon actuarial sciences (statistics). Statistics show drivers under the age of 25 get into accidents more. Statistics show that married people drive more safe. Statistics show that if you get into one accident you might get into another with increasing probability the more accidents you have. Statistics show that if you get caught speeding your probably a less safe driver than somebody else. They form a risk profile and charge you accordingly. I get a break for auto seatbelts. Why? Because I don't have to remember to put it on, reducing my risk due to forgetfulness. I get a break for being over 25. I used to get a break for good student, I guess they think I am more logical if I am smart. |
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03-21-2005, 03:55 PM
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#21 | |
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Lieutenant
Join Date: Apr 2002
Location: So Pasadena
Posts: 423
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Quote:
Mercury, there cheap as hell, but Horrible... cant stand them |
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03-24-2005, 04:59 PM
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#22 |
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Commander
Join Date: May 2000
Location: Bay Area, Ca
Posts: 1,268
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Here's another "stupid insuance company" scenario. I was insured for 2 cars, and the cost was around $860 for both. After dropping coverage on one of the cars, I lost the "multi-car discount", which made my coverage for one car $860 as well.
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"Cynicism is knowing the price of everything and the value of nothing." -Oscar Wilde |
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03-24-2005, 05:37 PM
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#23 | |
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Admiral
Join Date: Apr 2000
Location: Seattle, WA
Posts: 7,223
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Quote:
oh man...that's hilarious! sorry to be laughing at your pain... |
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03-24-2005, 05:49 PM
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#24 | |
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Chief of Naval Operations
Join Date: Aug 2002
Location: San Diego
Posts: 10,086
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Quote:
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As for our common defense, we reject as false the choice between our safety and our ideals. |
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03-24-2005, 06:42 PM
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#25 |
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What's Da Pho*?
Join Date: Aug 2001
Location: SoCal (714)
Posts: 13,296
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Premium will drop when you reach 25 or when you married so it's not unexpected but I am surprised that it dropped that much.
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03-24-2005, 06:56 PM
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#26 | |
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Admiral
Join Date: Apr 2000
Location: Seattle, WA
Posts: 7,223
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Quote:
me too... |
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03-28-2005, 09:37 AM
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#27 | |
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Admiral
Join Date: Nov 2001
Location: East coast
Posts: 7,116
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Quote:
I bought a used 94 Accord and made it my "primary vehicle". When I added it to my insurance (liability only) my overall insurance cost went down. The reasons for this are 1) multi-car discount and 2) the fact that my full-coverage vehicle, which is much more expensive than that Accord, is now my "pleasure vehicle". I like the sound of that......he-he. My Accord is great b/c I use it in the winter so my other car doesn't take the "winter beating". |
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03-28-2005, 04:33 PM
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#28 |
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Captain
Join Date: Apr 2002
Location: Redmond
Posts: 1,596
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The you are more dangerous from 18-25 sucks. Ya i know a lot of my friends are horrible driver, but I have been driving for almost 6years(about to be 22) and I have never had an accident or ticket. But since I am under 25, I am in a higher risk.....
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03-28-2005, 04:50 PM
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#29 |
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Rear Admiral Upper Half
Join Date: Mar 2000
Location: HB,CA/PA
Posts: 3,437
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You guys are lucky. My change was negligible after turning 25.
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Off in La La Land |
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03-28-2005, 10:03 PM
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#30 |
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Vice Admiral
Join Date: Feb 2000
Location: Gone Wheeling!
Posts: 4,409
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heheheh i blow away this theory... never made an ins claim yet, but the older i get the more crazy i get... i buy a house, then a second bike. I wheelie 10 times or more on the way to work when two years ago i couldn't even wheelie. I pull wheelies up halfway through corners in 1st gear at every corner in town i can. I slide my car around 50% of the corners i take, and when its wet, i break it loose on teh highway at 60mph in 3rd just because i can.
the older i get, the more i do it because the more i learn how to handle my vehicles. oh yeah, i'm certifably insane... i think. Also, i only carry liability. Oh well.
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