posted
hey, I don't know about you guys but my auto insurance rates are out of sight, I don't have any accidents, and only one ticket from 2 years ago ( going though an orange light! ) anyway, I just checked with Geiko ins. and my rate for 2 vehicles is less than 2 months payment on my current policy with the Hartford and that's for the whole year!! do yourselves a favor and just check with geiko and get a quote you may save yourselves thoushands of dollars! Mike
-------------------- Work like you don't need the money, Love like you've never been hurt, And Dance like no one's watching. :) Mike Lavallee Mike Lavallee's Pinstriping & Airbrush Art Everett, WA Posts: 449 | From: Everett, WA | Registered: Dec 1998
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posted
You got that right Mike. A few years I checked out GEICO and got more insurance with a lower deductible for less that one third my previous cost.
-------------------- Rove Gratz Gratz Signs 342 Walden Station Drive Macon, GA 31216 rovegratz@aol.com Home Page: http://rove-342.tripod.com Posts: 861 | From: Macon, GA 31216 | Registered: Jan 2004
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have any of you had any experience with them?
-------------------- Work like you don't need the money, Love like you've never been hurt, And Dance like no one's watching. :) Mike Lavallee Mike Lavallee's Pinstriping & Airbrush Art Everett, WA Posts: 449 | From: Everett, WA | Registered: Dec 1998
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posted
I have a couple of friends who have auto body repair shops.....they both hate to deal with Geico. A couple of years ago Car & Driver magazine had a story about them, they donate millions of dollars worth of radar detectors to law enforcement...safety right? but according to that story they raise their rates the highest if you are insured by them and get a ticket Here in Lousiana Farm Burea and Progressive have about the best rates/service it seems.
-------------------- Mark Perkins Performance Signs & Graphics Eunice, Louisiana "The heart of Cajun Country" Posts: 506 | From: Eunice Louisiana 70535 | Registered: Nov 1998
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posted
I checked around a few years ago and found Erie to have good rates & great people in the local office here. I now have auto, homeowners & business policy through them, get a bit of a discount.
-------------------- Chris Welker Wildfire Signs Indiana, Pa Posts: 4254 | From: Indiana, PA | Registered: Mar 2001
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posted
We have GEICO...same story....they're rates were nearly half of what we were paying Progressive. The only thing I have had to use from the policy is the Roadside Assistance. 200% better service than AAA.
When I had an old lady pull out in front of me, and her insurance (Nationwide ) was dragging it's feet....GEICO offered to go ahead and file the claim to get my ride fixed, then go get the money from them after. Luckily I didn't have to go that route, but I thought it was good of them to offer, even though it would be more paperwork for them. Always got quick straight answers from GEICO....definately can't say the same for Nationwide.
-------------------- Joe Endicott NEXCOM (Navy Exchange Service Command) Signing Programs Specialist Virginia Beach, VA jeendicott@msn.com
"I want to be Stereotyped....I want to be Classified." Posts: 681 | From: Virginia Beach, VA USA | Registered: Mar 1999
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posted
I pay only 1200 a year for both my son (16) and myself for two cars, 50,000/100,000 not the minimum and it surely pays off. It is a local company agent, but I go through a mother co. Just pays off to not have tickets. Even when someone totaled out my son's car in June, they covered the cost of his car and the medi bills since the ticketed offender didn't have insurance, and lo and behold, the rates didn't go up. I've had them for 3 years, pretty happy. (I don't have full coverage on my vehicles since we drive 90's on purpose so it isn't a great loss if there is damage, we could just buy another one.) Still, you have to shop around, as his decent grades and my stable record will probably get us more discount yet. I have AAA and good friends in the towing biz if I need assistance. Good luck, as you never know until you shop around. (now, he's still 16, things may change with his record!).
-------------------- Deb Fowler
"It's kind of fun to do the impossible - Walt Disney (1901-1966) Posts: 5373 | From: Loves Park, Illinois | Registered: Aug 1999
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and... did you know to check with the insurance companies to see if they always use "new" parts to repair? My mechanic tipped me on that one! A lot of the companies allow repair shops to use secondhand parts! better check that out!
-------------------- Deb Fowler
"It's kind of fun to do the impossible - Walt Disney (1901-1966) Posts: 5373 | From: Loves Park, Illinois | Registered: Aug 1999
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posted
I'll second the point that everyone should shop their insurance around at least every 3 years. I had been neglectful, and when I did shop my insurance last week my Independent Agent found a different carrier among the ten he reps who could reduce my premium by 25%. However AAA could cut my premium 30% and add road service coverage. It's embarassing to find out that I had been over paying by that much.
posted
If you arent happy with your current rates call your current insurance co and ask 'em to lower the rate. It's that simple!
I called my State Farm rep when my usual gal retired and handed the office over to someone else. I told her I've been insured through them over 13 years, have only had one claim and one ticket in that time and that I felt my premium was way out of line. "What can you do for me?"
That phone call is now saving me $60/month.
-------------------- "If I share all my wisdom I won't have any left for myself."
Mike Pipes stickerpimp.com Lake Havasu, AZ mike@stickerpimp.com Posts: 8746 | From: Lake Havasu, AZ USA | Registered: Jun 2000
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Just a "Heads-Up" Heads: I did just call Geico. I only have one vehicle and am paying $1200/year. BUT Since it is used commercially and is lettered.... Geico WILL NOT insure it. Guess I'll stick with Erie. Love....Jill
-------------------- That is like a Mr. Potato Head with all the pieces in the wrong place. -Russ McMullin Posts: 8834 | From: Butler, PA, USA | Registered: Jan 2001
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I live in the politically corrupt, koolaid capital of the USA - Massachusetts.
Geico does not grease the palms of our state officials, so they are not permitted to do business here.
We are not allowed to shop for better auto insurance prices in Massachusetts, because our legislature is so much smarter than we, and they look after us, so that we don't hurt ourselves.
-------------------- Steve Purcell Purcell Woodcarving & Signmaking Cape Cod, MA
************************** Intelligent Design Is No Accident Posts: 900 | From: Cape Cod, MA | Registered: Oct 1999
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I have had many different auto insurance companies over the years. I have settled on AAA. Like Paul says, cheaper than most, plus roadside assistance. Also, no hassle with claims!
-------------------- Si Allen #562 La Mirada, CA. USA
(714) 521-4810
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siallen@dslextreme.com
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Never mess with your profile while in a drunken stupor!!!
Brushasaurus on Chat Posts: 8827 | From: La Mirada, CA, USA | Registered: Nov 1998
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... here is an AP story from Boston.com that may be of interest before greased-palm theories get out of hand...
quote:Auto insurers ask for 5.8 percent rate increase August 13, 2004
BOSTON -- State auto insurers have asked for a 5.8 percent rate increase for next year, citing a slight increase in major policy claims, including bodily injury, property damage, comprehensive and collision.
The average annual insurance rate paid by drivers would jump $62 from $1,082 to $1,144 if the new rate is approved.
The request, filed Friday with state regulators, is relatively modest compared to previous years in part because changes in the average size of claims were mixed, according to Daniel Johnson, president of the Automobile Insurers Bureau of Massachusetts, the industry group making the request.
Johnson said the state's insurance market remains tenuous, noting that just 19 companies offering auto insurance remain in Massachusetts -- the lowest number in the country. The state has been unable to attract new companies because of the state-mandated low rates, he said.
The industry request is the first step in a lengthy process.
Massachusetts is the only state where insurance rates are set by the state. Each year, the industry files recommendations with the state on rates for the following year.
posted
Hmmm, could be time to get out the soapbox! But I'll try not to . . Two things . . State Mandated Liability Coverage. this has become a windfall for the insurance companies, and in states where financial responsibility is mandated, premiums are out of sight generally. Massachusets, I believe has the mandate law and also regulates (?) premium costs.
Second, it seems that the insurance lobby in those states either owns or pays rent on the state legislatures and the oversight commissions or they don't do business in the states they don't.
A State legislator in my state tried the "Pay At The Pump" deal, and the Insurance Companies had him tarred and feathered! So you can guess how this is gonna go. At the present the insurance companies own most of our lawmakers and I don't see any changes in the near future. If you're a state legislator and campaign on Insurance reform, especially Automobile Liability, Your opponent suddenly comes up with tons of campaign donations . . Now you're back doing your day job, and it ain't legislatin'!
But it's a state by state issue, and even Geico is different in each one, both as premiums and claims adjustment go.
posted
Car insurance (and property taxes) are pretty high in NJ.
New Jersey Manufacturer's Insurance is a good company (good rates, good with claims and cheap by comparison) if you live in NJ. They pay a dividend every year. I think they kick you out pretty fast if you have an accident though.
Thanks, Steve
-------------------- Steve Racz Racz's Handcarved Signs Posts: 1078 | From: New Jersey | Registered: Jan 2004
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) anyway, I just checked with Geiko ins. and my rate for 2 vehicles is less than 2 months payment on my current policy with the Hartford and that's for the whole year!! do yourselves a favor and just check with geiko and get a quote you may save yourselves thoushands of dollars! Mike
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but according to that story they raise their rates the highest if you are insured by them and get a ticket ![[Mad]](mad.gif)
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