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Car insurance

Old Jul 20th 2013, 1:42 am
  #1  
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Default Car insurance

Probably done to death before but hey ho.
I still find it odd that policies are only 6 months. I am up for renewal and frankly can't be bothered to shop around again.
Do you re- address every time, or just re-new?

Any savings to be made? I have never made an insurance claim in 10 years so I must be due soon....
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Old Jul 20th 2013, 1:46 am
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Default Re: Car insurance

I would always check around to make sure nobody else was offering a lower price, I insurance hopped like crazy, every time it was up to be renewed, why pay more if you dont have to.

I wasn't loyal to any one company, longest I stayed with 1 company was 2 years then I found a lower price and switched.
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Old Jul 20th 2013, 2:03 am
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Default Re: Car insurance

Originally Posted by RICH View Post
Probably done to death before but hey ho.
I still find it odd that policies are only 6 months. I am up for renewal and frankly can't be bothered to shop around again.
Do you re- address every time, or just re-new?
You can typically cancel, get a refund for the unused portion of the policy, and move your business elsewhere any time you like, so the length of a policy is pretty much moot as far as this is concerned.
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Old Jul 20th 2013, 4:01 am
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Default Re: Car insurance

We just renew, though I leave insurance up to Mrs P. Following a recent BE thread on car insurance I asked Mrs P what we're paying, and I was shocked how low it is. I sincerely doubt there is much downside for us to exploit, and we're with Erie, so an established and respected name. We're paying $400 p.a. for our Accord, and about the same for the F250. In 10 &11 years respectively, we've never claimed on either.
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Old Jul 20th 2013, 5:05 am
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Default Re: Car insurance

We were with Progressive for 9 years, I would occasionally check and they remained the cheapest until a year ago they hiked the rate by 10%, we had never made a claim and my speeding ticket had long since expired, we did renew with them on the last renewal they hiked it another 12%, again we had not made a claim etc. After shopping around we switched to Geico and are saving $200. Three weeks after we switched I got into an accident that caused $8000 worth of damage to my vehicle, the other driver was held 100% at fault so it will be interesting to see if it has any affect on the renewal rate.
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Old Jul 20th 2013, 11:39 pm
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Default Re: Car insurance

Was with Farmers' for about 10 years. They treated me pretty good until I got divorced - they immediately jacked my premium by 80%. Progressive, who had always quoted me a pretty high rate, then quoted me 10% less than I had been paying, so I switched. After three years with no claims, they dropped another 25% off my premium.
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Old Jul 21st 2013, 12:23 am
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Default Re: Car insurance

Originally Posted by RICH View Post
I still find it odd that policies are only 6 months.
Original insured with Farmers and now with The Hartford. With both it was an annual policy, just renewed for 12 months on July 15th.
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Old Jul 21st 2013, 12:42 am
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Default Re: Car insurance

geico, progressive, state farm. Any company you hear advertising on the radio, high risk drivers, avoid.

Mature sensible driver then try the likes of farmers etc.

2006 Honda odyssey, 2007 infiniti g35 sport. $700 6 months. $300 $600 coverage. If you have teenage drivers get umbrella insurance.
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Old Jul 21st 2013, 2:30 am
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Default Re: Car insurance

Originally Posted by AdobePinon View Post
Was with Farmers' for about 10 years. They treated me pretty good until I got divorced - they immediately jacked my premium by 80%. Progressive, who had always quoted me a pretty high rate, then quoted me 10% less than I had been paying, so I switched. After three years with no claims, they dropped another 25% off my premium.
We were with Farmers for about 9 years, on 6 month policies. Stuck with them as the agent did a really good job for us when we first arrived, and we had home and auto with him. I shopped it around annually, but there want much to be saved. Then 1 year they jacked our home policy about 30%, for no apparent reason. That caused us to shop around and we went with Ameriprise through Costco. Once we'd lost the benefit of combining policies under the same roof, Farmers increased our auto policy, so we dropped that as well and went with 21st century, who are under the farmers umbrella, but on an online basis only (I think)
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Old Jul 21st 2013, 12:17 pm
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Default Re: Car insurance

Originally Posted by RICH View Post
Probably done to death before but hey ho.
I still find it odd that policies are only 6 months. I am up for renewal and frankly can't be bothered to shop around again.
Do you re- address every time, or just re-new?

Any savings to be made? I have never made an insurance claim in 10 years so I must be due soon....
Just renew as I am more than satisfied with my insurance company and have been for over 30 years. Don't believe that saving a few dollars as in my best interest if I have to have a hassle with the insurance company if I were to have a claim. JMO

Remember when others post here what their annual or semi-annual premiums are that location is a big part of the premium. Here in the metropolitan area of NYC, rates are high as I'm sure it would be for say, Chicago. I have no accidents, tickets, etc. and no longer have more than one vehicle or driver under my policy and I do not have my tenant policy with them so I pay $1200 every 6 months for a 2013 Elantra.

Last edited by Rete; Jul 21st 2013 at 12:21 pm.
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Old Jul 21st 2013, 12:54 pm
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Default Re: Car insurance

Originally Posted by Ash UK/US View Post
We were with Progressive for 9 years, I would occasionally check and they remained the cheapest until a year ago they hiked the rate by 10%, we had never made a claim and my speeding ticket had long since expired, we did renew with them on the last renewal they hiked it another 12%, again we had not made a claim etc. After shopping around we switched to Geico and are saving $200. Three weeks after we switched I got into an accident that caused $8000 worth of damage to my vehicle, the other driver was held 100% at fault so it will be interesting to see if it has any affect on the renewal rate.
We're with progressive too, unfortunately Mrs CS had an accident last year and dinged up someones brand new SUV so we're now paying a hefty wodge more than before.... C'est le vie!

Last edited by civilservant; Jul 21st 2013 at 1:06 pm.
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Old Jul 21st 2013, 1:05 pm
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Default Re: Car insurance

Originally Posted by civilservant View Post
We're with Progressive too, unfortunately the Mrs had an accident last year and dinged up someones brand new SUV, so we're now paying a hefty wodge more than before....
Maybe Ash's 10% and 12% increases were attributable to Mrs C too?
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Old Jul 22nd 2013, 1:02 am
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Default Re: Car insurance

Before the divorce, I was on the ex's State Farm policy. After, I went with the first one I found - Geico - and it seemed a a good price. Then it started creeping up and about 2 years ago I switched to Progressive, via the agent that did my home insurance. It was significantly less, and has dropped a little each time since, although I just got a notice that they are reducing medical payments coverage, which prompted my question.

I have a '94 Nissan Maxima. The premiums have varied between $320-$420 per 6 months overs 4 years. It just seems arbitrary who gets a good deal from which company. Even within my office coworkers there is no discernible best option.
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Old Jul 22nd 2013, 1:36 am
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Default Re: Car insurance

Originally Posted by RICH View Post
It just seems arbitrary who gets a good deal from which company. Even within my office coworkers there is no discernible best option.
I agree.
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Old Jul 22nd 2013, 3:16 am
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Default Re: Car insurance

Originally Posted by Pulaski View Post
Maybe Ash's 10% and 12% increases were attributable to Mrs C too?
He he could be.
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