Originally Posted by snowbunny

In the US if you're badly injured by someone with low limits and no assets, you're just screwed, plain and simple.

Originally Posted by NC Penguin

I've been living in the US now for nearly four years and I've switched auto insurers once so far because my original insurer was ripping me off (this was duly confirmed when we received a refund from the company some months later when we had moved to the current insurer).

I mad a call to GEICO, my current auto insurer to inform them that I had over three years driving experience under my belt and that I was no longer to be considered an "inexperienced driver" (in NC at least).

The woman at GEICO confirmed that I had had my license for over three years but then went on to say that my current policy did not take into account me being an "inexperienced driver". I stopped her right there and quoted from a page on my GEICO policy that had identified me as such and that this may be taken into account.

At that point, the woman put me on hold. A couple of minutes later, she continued the conversation and quoted me an updated premium.

Currently, I'm paying $1400 p/six month period because of the "inexperienced driver" penalty. Removing that from the policy lowered my premium to a little over $750 p/six months. This is for two vehicles.

The moral of the tale is that it pays to be persistent and to read back information from the auto insurer's policy. The lady at GEICO, in my opinion, was trying to fob me off with some crap but after I quoted from my policy, there in black and white, she could no longer ignore that I was indeed being penalized for being an "inexperienced driver".

However, to keep GEICO on their toes, when renewal time comes around, I shall be asking my homeowners insurance provider to quote me auto insurance. It will be interesting to see if they offer an even lower premium than GEICO.


NC Penguin

Originally Posted by gruffbrown

I've just got my insurance renewal after my little prang, it's gone up to $1200 for 6 months for a Dodge Ram We're with All State......Robbing Bastards.

Originally Posted by Lizzi

We have Safeco, they're pretty reasonable. $450 for 2 cars but we don't drive anything flash.
Just out of interest, what liability limits do you guys select? Cos I just guess mine and I know it affects the final premium but I really haven't a clue what to choose.

Originally Posted by Celsius

Why? Please explain your reasons.

Originally Posted by Angry White Pyjamas

Even though their original web quote was cheap once I actually spoke to someone and they did a full quote and after much sharp intakes of breath they were far more expensive than anyone else that quoted us for similar coverage. They also point blank rejected our home insurance as we live in Florida.

And they spend to much on crap adverts.

As I said IMHO. Others might like them.

Originally Posted by TaffyinOK

I My ex was in the military and had always used GEICO because it was convenient when being sent all over the world (for GEICO read: Government Employees Insurance Company - originally designed, I believe, for the military. ...

Originally Posted by neil

Geico are the only company I've been able to get a halfway decent quote from in NJ. All State was double the Geico quote, and all other companies I tried were slightly higher. Still, that's probably just NJ which was always notoriously bad for insurance although much better than it was. My first insurance was $3500 for the year (not with Geico) - there were very few companies dealing with NJ auto insurance at that time, and some of the decent ones just refused me - although at the time I was trying to get it without an NJ licence, and while I was here on the visa waiver (setting up for when my work visa came through 2 months later).

Originally Posted by Jerseygirl

NJ Manufacturers are supposed to be the best in NJ, we have been with them since coming here 10 yrs ago.

Originally Posted by Jerseygirl

NJ Manufacturers are supposed to be the best in NJ, we have been with them since coming here 10 yrs ago.

Originally Posted by mandpete

I've just renewed my insurance with NJM. I got a quote online from Geico which was more than double NJM's price, I was told it was because I have less than 5 years credit rating over here. WTF has credit rating got to do with car insurance.

Originally Posted by mandpete

I've just renewed my insurance with NJM. I got a quote online from Geico which was more than double NJM's price, I was told it was because I have less than 5 years credit rating over here. WTF has credit rating got to do with car insurance.