Forums59
Topics1,037,829
Posts13,935,219
Members144,150
|
Most Online39,925 Dec 30th, 2023
|
|
Are you paying too much auto insurance?
#13734331
10/17/20 09:31 PM
|
Joined: Jul 2012
Posts: 12,214
Cast
OP
TFF Guru
|
OP
TFF Guru
Joined: Jul 2012
Posts: 12,214 |
We have three vehicles and two drivers. The Superduty sits in the garage until we go OTR for a long run. I just restored the ‘99 GMC and it’s what we drive around here when we (rarely) go out.
Wife called USAA on another matter and started talking about how we don’t drive so much these days. When the rep realized how little we used the Superduty she told us about the storage feature offered. Since I regularly go 32 days without driving the Superduty it qualified. Knocked $250 off the insurance. The only thing is, I have to call them before I hit the road and take it out of storage. There’s a note taped to the steering wheel now. Storage is defined as parked on your property.
So, are you throwing away money?
Cast I have a short attention spa
|
|
Re: Are you paying too much auto insurance?
[Re: Cast]
#13734333
10/17/20 09:36 PM
|
Joined: Nov 2008
Posts: 25,747
elcoyote, esq.
TFF Guru
|
TFF Guru
Joined: Nov 2008
Posts: 25,747 |
If my insurance knew how many miles I put on my truck, they would double or triple my rates.
Team wolfs I had to perform. It took a minute to get it all in my mouth and another five to swallow it all.
|
|
Re: Are you paying too much auto insurance?
[Re: Cast]
#13734347
10/17/20 09:52 PM
|
Joined: Mar 2008
Posts: 61,005
LoneStarSon
Private Dancer
|
Private Dancer
Joined: Mar 2008
Posts: 61,005 |
I switched my car to Progressive for the time being...cheapest and I was able to raise my coverage by almost double. I had been with Germania for about 13 years, still am on 2 houses and my mom's car...but we're looking at changing them. But to be honest, Germania has been darn good to us, and I will probably switch back. I would have probably kept my new car with them had they been opened on Saturday to give me a quote...or offered online quotes.
|
|
Re: Are you paying too much auto insurance?
[Re: Cast]
#13734456
10/17/20 11:41 PM
|
Joined: Sep 2008
Posts: 120,577
hopalong
Pescador Loco
|
Pescador Loco
Joined: Sep 2008
Posts: 120,577 |
mine just went from 1,566.00 a yr. to 1,158.00 with just a phone call to my agent, same full coverage and got a couple perks added.
finally got my credit back to what they consider "respectable". total dam scam to use credit to rate insurance, no tickets/wrecks/problems in well over 20 yrs. stopped once in that time and got a warning and I screwed up that time.
" Hop, set the hook"! hopalong 99,999 TexDawg 99,999 FJB! not my president by a long shot!
lake fork FISHERMANS COVE MARINA/reservations - 903 474 7479
|
|
Re: Are you paying too much auto insurance?
[Re: Cast]
#13734460
10/17/20 11:44 PM
|
Joined: Jan 2006
Posts: 32,919
Scagnetti
TFF Guru
|
TFF Guru
Joined: Jan 2006
Posts: 32,919 |
|
|
Re: Are you paying too much auto insurance?
[Re: hopalong]
#13734468
10/18/20 12:01 AM
|
Joined: Mar 2008
Posts: 61,005
LoneStarSon
Private Dancer
|
Private Dancer
Joined: Mar 2008
Posts: 61,005 |
mine just went from 1,566.00 a yr. to 1,158.00 with just a phone call to my agent, same full coverage and got a couple perks added.
finally got my credit back to what they consider "respectable". total dam scam to use credit to rate insurance, no tickets/wrecks/problems in well over 20 yrs. stopped once in that time and got a warning and I screwed up that time. Agreed. Credit should not be considered when writing an insurance policy, especially when you're paying the premium in full for a year. I could understand it if you were paying monthly, but I pay for a year at a time. I have great credit, but it still doesn't make sense to me. I hate having to give out my SS# to them. I don't get the purpose for it.
|
|
Re: Are you paying too much auto insurance?
[Re: Cast]
#13734469
10/18/20 12:02 AM
|
Joined: Jul 2012
Posts: 12,214
Cast
OP
TFF Guru
|
OP
TFF Guru
Joined: Jul 2012
Posts: 12,214 |
I’m telling y’all about storage mode for a low mileage vehicle to save y’all money, not promoting USAA.
Cast I have a short attention spa
|
|
Re: Are you paying too much auto insurance?
[Re: Cast]
#13734471
10/18/20 12:08 AM
|
Joined: Mar 2016
Posts: 3,712
Flags
TFF Team Angler
|
TFF Team Angler
Joined: Mar 2016
Posts: 3,712 |
Everybody in the country pays too much for auto insurance. It is legally enforced extortion and there isn't a damn thing any of us can do about it.
Retired Navy Chief Signalman NJROTC Instructor Tascosa High School
|
|
Re: Are you paying too much auto insurance?
[Re: LoneStarSon]
#13734473
10/18/20 12:11 AM
|
Joined: Jul 2010
Posts: 9,490
TR176
TFF Celebrity
|
TFF Celebrity
Joined: Jul 2010
Posts: 9,490 |
mine just went from 1,566.00 a yr. to 1,158.00 with just a phone call to my agent, same full coverage and got a couple perks added.
finally got my credit back to what they consider "respectable". total dam scam to use credit to rate insurance, no tickets/wrecks/problems in well over 20 yrs. stopped once in that time and got a warning and I screwed up that time. Agreed. Credit should not be considered when writing an insurance policy, especially when you're paying the premium in full for a year. I could understand it if you were paying monthly, but I pay for a year at a time. I have great credit, but it still doesn't make sense to me. I hate having to give out my SS# to them. I don't get the purpose for it. It is not solely about paying, credit is part of a basket of things that determine the likelihood of a claim. It is based on millions of data points evaluated over the years. That being said, I see an opportunity for complainers to start an insurance company that doesn’t use these pesky data points. You can be rich.
|
|
Re: Are you paying too much auto insurance?
[Re: Cast]
#13734478
10/18/20 12:20 AM
|
Joined: Oct 2001
Posts: 7,228
Jon
TFF Celebrity
|
TFF Celebrity
Joined: Oct 2001
Posts: 7,228 |
“Now what your looking for is a cluster of data points”
|
|
Re: Are you paying too much auto insurance?
[Re: Cast]
#13734481
10/18/20 12:22 AM
|
Joined: Jan 2006
Posts: 32,919
Scagnetti
TFF Guru
|
TFF Guru
Joined: Jan 2006
Posts: 32,919 |
I’m telling y’all about storage mode for a low mileage vehicle to save y’all money, not promoting USAA. I didn’t think you were, I was just commenting on my own personal experience
|
|
Re: Are you paying too much auto insurance?
[Re: Cast]
#13734589
10/18/20 02:41 AM
|
Joined: Aug 2004
Posts: 4,363
Duke 22
TFF Team Angler
|
TFF Team Angler
Joined: Aug 2004
Posts: 4,363 |
Insurance is a scam, for 4 vehicles I pay $1720 a year for 50/100/50 on all four two are new a 2020 Ram 2500 Laramie and my wifes 2019 Lexus GX. my brother lives in town he and his wife drive more economical vehicles put less miles on both than i put on one yearly, our credit is similar and we use the same agent...our dad... and he pays $2200 a year. We both have clean records with no tickets or accidents and are both well over 25.
|
|
Moderated by banker-always fishing, chickenman, Derek 🐝, Duck_Hunter, Fish Killer, J-2, Jacob, Jons3825, JustWingem, Nocona Brian, Toon-Troller, Uncle Zeek, Weekender1
|