I am getting ripped off by my insurance >(

[giguana]

Originally posted by: Zugzwang152
hmm, i pay roughly 750 per year and i'm a 19 year old college male...man you're getting the shaft.

what kind of car do you drive?

 

[jemcam]

So you've been caught driving over 100 mph and you drive without a license, you're young, and male. Insurance companies know who and what types of people are more likey to cause large losses, and you fit the bill perfectly. I wouldn't insure you for $750 a month, I know it would be a matter of time before I had to pay many times that because you caused a wreck and injured some folks.

If you don't like it, try driving without insurance and get in a wreck. Then see if you think $750 a month is a rip off.

Just because the agent is friends of the family doesn't mean he tells the company what you should pay. If you're a dangerous driver and have a police record to prove it, then you shouldn't even have a license IMO.

 

[Cyberian]

Originally posted by: giguana
My car was singled out because it's cherry red, and had 3 people under 25 in it.

..... and the Cop could tell this as you blew by him at 100MPH??

 

[jemcam]

Don't forget, insurance companies are supposed to be profitable, not welfare, they don't have to give you a policy, I think they're giving you a hint by increasing your rates this much.

All the major insurers lost billions last year, they're trying to become profitable again.

 

[Zugzwang152]

Originally posted by: giguana

Originally posted by: Zugzwang152
hmm, i pay roughly 750 per year and i'm a 19 year old college male...man you're getting the shaft.

what kind of car do you drive?

97 civic lx, all stock.

 

[giguana]

Originally posted by: jemcam
So you've been caught driving over 100 mph and you drive without a license, you're young, and male. Insurance companies know who and what types of people are more likey to cause large losses, and you fit the bill perfectly. I wouldn't insure you for $750 a month, I know it would be a matter of time before I had to pay many times that because you caused a wreck and injured some folks.

If you don't like it, try driving without insurance and get in a wreck. Then see if you think $750 a month is a rip off.

Just because the agent is friends of the family doesn't mean he tells the company what you should pay. If you're a dangerous driver and have a police record to prove it, then you shouldn't even have a license IMO.

I've never been in an accident, i've only filed a claim once ever and it was cause my car got broken into. i realize i fit a profile.

i'm aware that he doesn't set the price, what i was saying about him being a friend, i will always be able to get insurance through that company, not an lower price.

 

[Nyical]

I dont believe Ive ever seen a better recipient of the "LOOK AT ME, IM A JACKASS" award

That sums it up

 

[giguana]

Originally posted by: Zugzwang152

Originally posted by: giguana

Originally posted by: Zugzwang152
hmm, i pay roughly 750 per year and i'm a 19 year old college male...man you're getting the shaft.

what kind of car do you drive?

97 civic lx, all stock.

you get a good student discount don't you. that's a 25% discount.

btw what insurance company do you go through?

 

[Mill]

Originally posted by: giguana

Originally posted by: jemcam
So you've been caught driving over 100 mph and you drive without a license, you're young, and male. Insurance companies know who and what types of people are more likey to cause large losses, and you fit the bill perfectly. I wouldn't insure you for $750 a month, I know it would be a matter of time before I had to pay many times that because you caused a wreck and injured some folks.

If you don't like it, try driving without insurance and get in a wreck. Then see if you think $750 a month is a rip off.

Just because the agent is friends of the family doesn't mean he tells the company what you should pay. If you're a dangerous driver and have a police record to prove it, then you shouldn't even have a license IMO.

I've never been in an accident, i've only filed a claim once ever and it was cause my car got broken into. i realize i fit a profile.

i'm aware that he doesn't set the price, what i was saying about him being a friend, i will always be able to get insurance through that company, not an lower price.

No, you won't because a company will not take on a liability like that. If you had two more wrecks or say a DUI they WOULD drop you. He could do nothing for you. There are times when people are forced to go to companies that only deal with high risk drivers. Try 2,000 a month to insure your car.

 

[giguana]

Originally posted by: Millennium

Originally posted by: giguana

Originally posted by: jemcam
So you've been caught driving over 100 mph and you drive without a license, you're young, and male. Insurance companies know who and what types of people are more likey to cause large losses, and you fit the bill perfectly. I wouldn't insure you for $750 a month, I know it would be a matter of time before I had to pay many times that because you caused a wreck and injured some folks.

If you don't like it, try driving without insurance and get in a wreck. Then see if you think $750 a month is a rip off.

Just because the agent is friends of the family doesn't mean he tells the company what you should pay. If you're a dangerous driver and have a police record to prove it, then you shouldn't even have a license IMO.

I've never been in an accident, i've only filed a claim once ever and it was cause my car got broken into. i realize i fit a profile.

i'm aware that he doesn't set the price, what i was saying about him being a friend, i will always be able to get insurance through that company, not an lower price.

No, you won't because a company will not take on a liability like that. If you had two more wrecks or say a DUI they WOULD drop you. He could do nothing for you. There are times when people are forced to go to companies that only deal with high risk drivers. Try 2,000 a month to insure your car.

first of all, did you read my post? and i don't drink and drive, i always have a dd.

 

[Savarak]

What is worse is when some lady that short stops on ya during a turn sues you for like 35k... I bet she was coerced to do it by some lawyer! hopefully my insurance company(Allstate) fixes the problem, its one huge hassle for a small bump on the edge of the rear left bumper! I was rear ended in a separate accident and the damages were FAR worse than the one she was involved in, but I *NEVER* gave a thought to suing that guy! The litiguious society has gone too far... it was bad when ppl started suing Mcd for them being fat, but now being sued myself, its absurd! It may or may not affect my insurance rates in the future, but whatever the result, its whole heartedly a waste of time and money for all people involved!

 

[jemcam]

Originally posted by: giguana

Originally posted by: Millennium

Originally posted by: giguana

Originally posted by: jemcam
So you've been caught driving over 100 mph and you drive without a license, you're young, and male. Insurance companies know who and what types of people are more likey to cause large losses, and you fit the bill perfectly. I wouldn't insure you for $750 a month, I know it would be a matter of time before I had to pay many times that because you caused a wreck and injured some folks.

If you don't like it, try driving without insurance and get in a wreck. Then see if you think $750 a month is a rip off.

Just because the agent is friends of the family doesn't mean he tells the company what you should pay. If you're a dangerous driver and have a police record to prove it, then you shouldn't even have a license IMO.

I've never been in an accident, i've only filed a claim once ever and it was cause my car got broken into. i realize i fit a profile.

i'm aware that he doesn't set the price, what i was saying about him being a friend, i will always be able to get insurance through that company, not an lower price.

No, you won't because a company will not take on a liability like that. If you had two more wrecks or say a DUI they WOULD drop you. He could do nothing for you. There are times when people are forced to go to companies that only deal with high risk drivers. Try 2,000 a month to insure your car.

first of all, did you read my post? and i don't drink and drive, i always have a dd.

So you've had two major tickets and a claim? Sounds like the agent has already pulled strings just to keep you with the company.

As far as the progressive quote or whoever it was that quoted you the other price, are you absolutely sure they know your past record? Every single last detail, as in how fast you were going, and not just telling them that you had just a speeding ticket? I'm very surprised if so.

Also, just remember, you get what you pay for. If you want good service when you need them, that's where the premium companies pay off. The cheaper companies will get you involved in a lawsuit and/or deny your claim when you have to make one. The cheaper companies are also more likely to drop you at the first claim or negative action on your driving record.

 

[jemcam]

Originally posted by: Savarak
What is worse is when some lady that short stops on ya during a turn sues you for like 35k... I bet she was coerced to do it by some lawyer! hopefully my insurance company(Allstate) fixes the problem, its one huge hassle for a small bump on the edge of the rear left bumper! I was rear ended in a separate accident and the damages were FAR worse than the one she was involved in, but I *NEVER* gave a thought to suing that guy! The litiguious society has gone too far... it was bad when ppl started suing Mcd for them being fat, but now being sued myself, its absurd! It may or may not affect my insurance rates in the future, but whatever the result, its whole heartedly a waste of time and money for all people involved!

And if this guy were in your shoes, what jury or judge would look at his past record and give him a favorable verdict? NOT ONE, the insurance company knows this and that's why his rates are set at $750 a month.

 

[Gaard]

Originally posted by: BooGiMaN
damn thats steep..thats almost a car payment..but then again u break the rules you pay the price..its not like they HAVE to insure u

Almost?!?!

Good lord, what kind of car payments do you have?

 

[Savarak]

Originally posted by: jemcam

Originally posted by: Savarak
What is worse is when some lady that short stops on ya during a turn sues you for like 35k... I bet she was coerced to do it by some lawyer! hopefully my insurance company(Allstate) fixes the problem, its one huge hassle for a small bump on the edge of the rear left bumper! I was rear ended in a separate accident and the damages were FAR worse than the one she was involved in, but I *NEVER* gave a thought to suing that guy! The litiguious society has gone too far... it was bad when ppl started suing Mcd for them being fat, but now being sued myself, its absurd! It may or may not affect my insurance rates in the future, but whatever the result, its whole heartedly a waste of time and money for all people involved!

And if this guy were in your shoes, what jury or judge would look at his past record and give him a favorable verdict? NOT ONE, the insurance company knows this and that's why his rates are set at $750 a month.

hmm, you may be right... I didn't have any past records before my accident with that lady... well, as of now, I have 1 ticket for going 71 in a 55, where the average speed was around 70 to 75 (areas right before the Chicago loop on I-90), but its nothing like Giguana's Reckless driving or illegal driving... I hope Allstate would understand...

 

[giguana]

Originally posted by: jemcam

Originally posted by: giguana

Originally posted by: Millennium

Originally posted by: giguana

Originally posted by: jemcam
So you've been caught driving over 100 mph and you drive without a license, you're young, and male. Insurance companies know who and what types of people are more likey to cause large losses, and you fit the bill perfectly. I wouldn't insure you for $750 a month, I know it would be a matter of time before I had to pay many times that because you caused a wreck and injured some folks.

If you don't like it, try driving without insurance and get in a wreck. Then see if you think $750 a month is a rip off.

Just because the agent is friends of the family doesn't mean he tells the company what you should pay. If you're a dangerous driver and have a police record to prove it, then you shouldn't even have a license IMO.

I've never been in an accident, i've only filed a claim once ever and it was cause my car got broken into. i realize i fit a profile.

i'm aware that he doesn't set the price, what i was saying about him being a friend, i will always be able to get insurance through that company, not an lower price.

No, you won't because a company will not take on a liability like that. If you had two more wrecks or say a DUI they WOULD drop you. He could do nothing for you. There are times when people are forced to go to companies that only deal with high risk drivers. Try 2,000 a month to insure your car.

first of all, did you read my post? and i don't drink and drive, i always have a dd.

So you've had two major tickets and a claim? Sounds like the agent has already pulled strings just to keep you with the company.

As far as the progressive quote or whoever it was that quoted you the other price, are you absolutely sure they know your past record? Every single last detail, as in how fast you were going, and not just telling them that you had just a speeding ticket? I'm very surprised if so.

Also, just remember, you get what you pay for. If you want good service when you need them, that's where the premium companies pay off. The cheaper companies will get you involved in a lawsuit and/or deny your claim when you have to make one. The cheaper companies are also more likely to drop you at the first claim or negative action on your driving record.

they don't ask details in the quote process, they just ask what tickets i have on my record. the reckless driving ticket, it wouldn't be any different if i was going 120, it's the same ticket.

my claim only ended up paying out $300 before the deductible, so total out of pocket for them was like $200. they replaced a crappy stereo, and fixed some my window.

 

[yoda291]

just a question, how old are you and what kind of plan are you on?

It costs about 2.5k/yr to fully insure a civic around here with a spotless record...and this is jersey...unless you have some sort of special coverage...I don't see how it goes that high. ah well. I'm happy with not driving anymore. I'd rather have the money and I prefer the subway in NYC to the traffic.

 

[Mill]

Originally posted by: giguana

Originally posted by: Millennium

Originally posted by: giguana

Originally posted by: jemcam
So you've been caught driving over 100 mph and you drive without a license, you're young, and male. Insurance companies know who and what types of people are more likey to cause large losses, and you fit the bill perfectly. I wouldn't insure you for $750 a month, I know it would be a matter of time before I had to pay many times that because you caused a wreck and injured some folks.

If you don't like it, try driving without insurance and get in a wreck. Then see if you think $750 a month is a rip off.

Just because the agent is friends of the family doesn't mean he tells the company what you should pay. If you're a dangerous driver and have a police record to prove it, then you shouldn't even have a license IMO.

I've never been in an accident, i've only filed a claim once ever and it was cause my car got broken into. i realize i fit a profile.

i'm aware that he doesn't set the price, what i was saying about him being a friend, i will always be able to get insurance through that company, not an lower price.

No, you won't because a company will not take on a liability like that. If you had two more wrecks or say a DUI they WOULD drop you. He could do nothing for you. There are times when people are forced to go to companies that only deal with high risk drivers. Try 2,000 a month to insure your car.

first of all, did you read my post? and i don't drink and drive, i always have a dd.

Reread my post. If you had TWO MORE wreck then they would drop. That is not presupposing you have already had a wreck. Simply put if you had two wrecks they would drop. Same with a DUI.

 

[Zugzwang152]

Originally posted by: giguana

Originally posted by: Zugzwang152

Originally posted by: giguana

Originally posted by: Zugzwang152
hmm, i pay roughly 750 per year and i'm a 19 year old college male...man you're getting the shaft.

what kind of car do you drive?

97 civic lx, all stock.

you get a good student discount don't you. that's a 25% discount.

btw what insurance company do you go through?

hmmm, part of the reason its so low is because i have an absolutely clean record, and i'm under some kind of joint plan with my mother, so if i fvck up, both our rates go up...i *think* i'm under USAA...

 

[jemcam]

Originally posted by: giguana

Originally posted by: jemcam

Originally posted by: giguana

Originally posted by: Millennium

Originally posted by: giguana

Originally posted by: jemcam
So you've been caught driving over 100 mph and you drive without a license, you're young, and male. Insurance companies know who and what types of people are more likey to cause large losses, and you fit the bill perfectly. I wouldn't insure you for $750 a month, I know it would be a matter of time before I had to pay many times that because you caused a wreck and injured some folks.

If you don't like it, try driving without insurance and get in a wreck. Then see if you think $750 a month is a rip off.

Just because the agent is friends of the family doesn't mean he tells the company what you should pay. If you're a dangerous driver and have a police record to prove it, then you shouldn't even have a license IMO.

I've never been in an accident, i've only filed a claim once ever and it was cause my car got broken into. i realize i fit a profile.

i'm aware that he doesn't set the price, what i was saying about him being a friend, i will always be able to get insurance through that company, not an lower price.

No, you won't because a company will not take on a liability like that. If you had two more wrecks or say a DUI they WOULD drop you. He could do nothing for you. There are times when people are forced to go to companies that only deal with high risk drivers. Try 2,000 a month to insure your car.

first of all, did you read my post? and i don't drink and drive, i always have a dd.

So you've had two major tickets and a claim? Sounds like the agent has already pulled strings just to keep you with the company.

As far as the progressive quote or whoever it was that quoted you the other price, are you absolutely sure they know your past record? Every single last detail, as in how fast you were going, and not just telling them that you had just a speeding ticket? I'm very surprised if so.

Also, just remember, you get what you pay for. If you want good service when you need them, that's where the premium companies pay off. The cheaper companies will get you involved in a lawsuit and/or deny your claim when you have to make one. The cheaper companies are also more likely to drop you at the first claim or negative action on your driving record.

they don't ask details in the quote process, they just ask what tickets i have on my record. the reckless driving ticket, it wouldn't be any different if i was going 120, it's the same ticket.

my claim only ended up paying out $300 before the deductible, so total out of pocket for them was like $200. they replaced a crappy stereo, and fixed some my window.

They don't know all the details so they low balled you. I think if you read the fine print it will tell you that the price quote is subject to being reviewed by an underwriter, those are the evil bastards that calculate what kind of a risk you are based on where you live, your age, marital status, financial position, driving record, and grades. Those are usually a good indicator of what a person's moral character are.

You are a law breaker and it's become clear to them that you don't abide by the law and they don't want to insure you for normal rates. They're in this proposition to make money, not lose it. How is that hard to understand and the company is ripping you off?

 

[giguana]

Originally posted by: yoda291
just a question, how old are you and what kind of plan are you on?

It costs about 2.5k/yr to fully insure a civic around here with a spotless record...and this is jersey...unless you have some sort of special coverage...I don't see how it goes that high. ah well. I'm happy with not driving anymore. I'd rather have the money and I prefer the subway in NYC to the traffic.

i'm 21 and i'm on the least coverage the loan company will allow to keep my contract with them valid. i live in ut, so i think rates are generally less out here compared to nj. i wish we had an alternative to the bus system, it's too unreliable. i live in the outskirts of SLC and we don't have much as far of public transport, or i would take that instead.

 

[giguana]

Originally posted by: jemcam

They don't know all the details so they low balled you. I think if you read the fine print it will tell you that the price quote is subject to being reviewed by an underwriter, those are the evil bastards that calculate what kind of a risk you are based on where you live, your age, marital status, financial position, driving record, and grades. Those are usually a good indicator of what a person's moral character are.

You are a law breaker and it's become clear to them that you don't abide by the law and they don't want to insure you for normal rates. They're in this proposition to make money, not lose it. How is that hard to understand and the company is ripping you off?

thank you, you just made my point

 

[Cable God]

also, your credit has some to do with the rate you get

 

[Gonad the Barbarian]

Have you not heard of lawyers? I think any court in the nation would have dropped 1MPH off that ticket if you just had one show up.

And maybe someone else will know this, but do they jack the price across the board for tickets? Or just the liability coverage? If it's the former, I'd drop everything but liability & un/under-insured.

 

[yoda291]

Originally posted by: giguana

Originally posted by: yoda291
just a question, how old are you and what kind of plan are you on?

It costs about 2.5k/yr to fully insure a civic around here with a spotless record...and this is jersey...unless you have some sort of special coverage...I don't see how it goes that high. ah well. I'm happy with not driving anymore. I'd rather have the money and I prefer the subway in NYC to the traffic.

i'm 21 and i'm on the least coverage the loan company will allow to keep my contract with them valid. i live in ut, so i think rates are generally less out here compared to nj. i wish we had an alternative to the bus system, it's too unreliable. i live in the outskirts of SLC and we don't have much as far of public transport, or i would take that instead.

I would say, then, to go with progressive. It's their way of saying they don't want your business, but don't want the bad PR that comes from denying you insurance. It's kinda like saying I don't wanna sell my family heirlooms, so I'll mark them up 1000x what they're worth.