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Started By
Message
Learn this one trick insurance agencies don't want you to know.
Posted on 6/27/23 at 11:17 am
Posted on 6/27/23 at 11:17 am
Is there no penalty for insurance companies who send out bogus quotes for home insurance policy?
I received a home owners policy quote from Allstate in the mail that showed numbers way below what I was currently paying. (i know i know...red flag) I get that the quote was based off public records, but all of what was quoted was pretty spot on accurate for what was currently under coverage. So, naturally, I called and asked if the quote was real and the woman tells me its just a flier they send out to get people to call in and the numbers may not be reflective of the real quote....how is that legal?
So anyway, I go through with getting the "real" quote and no surprise its not even close to the bogus flier "quote"
I received a home owners policy quote from Allstate in the mail that showed numbers way below what I was currently paying. (i know i know...red flag) I get that the quote was based off public records, but all of what was quoted was pretty spot on accurate for what was currently under coverage. So, naturally, I called and asked if the quote was real and the woman tells me its just a flier they send out to get people to call in and the numbers may not be reflective of the real quote....how is that legal?
So anyway, I go through with getting the "real" quote and no surprise its not even close to the bogus flier "quote"
6
Posted on 6/27/23 at 11:36 am to Pezzo
quote:
I received a home owners policy quote from Allstate in the mail that showed numbers way below what I was currently paying.
I hate to give you this bad news but most every solicitation you get in the mail works the same way
Directv, Dish, car dealers, internet providers, cell phone service, gutter guards, windows.................
Posted on 6/27/23 at 11:41 am to weadjust
ehh maybe so, but I've actually received a quote from rocket mortgage for a refinance that was actually valid. Called them up and the dude said the rate was valid and i could refinance right then and there. I ended up calling my original lender to see if they would match/compete and they did so it worked that time. Unfortunately it didnt work this time.
Posted on 6/27/23 at 11:54 am to Pezzo
quote:
So anyway, I go through with getting the "real" quote and no surprise its not even close to the bogus flier "quote"
I did as well and it saved me $1,000 a year. So in my case, it was not bogus.
Posted on 6/27/23 at 12:15 pm to weadjust
quote:
I hate to give you this bad news but most every solicitation you get in the mail works the same way
Thank god email solicitations are always truthful. Sitting here waiting for my penis enlargement pills to arrive.
Posted on 6/27/23 at 5:29 pm to Pezzo
What were the exact words on the paper? Or better yet, do you have an image of the document?
Posted on 6/27/23 at 9:39 pm to tigercross
“Recent weather related claims and changes to insurance laws in Louisiana have caused insurance carriers to make drastic changes to current homeowners’ policies. Because your policy may be renewing, now is the perfect time to review it, if you haven’t recently. We have prepared a personalized quote below and invite you to compare our quote of $2,143.67 per year to your current homeowners policy. This quote is based upon public parish records.”
Then goes on to list all of what’s covered…which was almost spot on compared to what my current policy covers. And actually my current policy is covering less than what’s on this phony quote.
Then goes on to list all of what’s covered…which was almost spot on compared to what my current policy covers. And actually my current policy is covering less than what’s on this phony quote.
Posted on 6/28/23 at 4:04 am to Pezzo
When All State sent me that in the mail, I brought it to my State Farm agent. I told her I needed her to reduce my premium or I was leaving.
She asked me to leave it with her and give her a couple of days so she could talk to her general manager. They knocked off $250 from my annual premium.
She asked me to leave it with her and give her a couple of days so she could talk to her general manager. They knocked off $250 from my annual premium.
Posted on 6/28/23 at 6:07 am to TigerintheNO
problem is, the actual quote isnt even close to this phony one. i cant threaten to leave because there is not an actual better option to persue.
Posted on 7/2/23 at 3:56 am to Pezzo
quote:
problem is, the actual quote isnt even close to this phony one. i cant threaten to leave because there is not an actual better option to persue
I have the same flier from Allstate sitting on my desk to call. It was showing proposed rates that were 50-60% cheaper AND I SHOP INSURANCE ANNUALLY.
I know it's probably BS, but I had the same response.... WTF?
Posted on 7/3/23 at 9:07 am to Klondikekajun
the best part is that after 2 weeks i got another "quote" from a different Allstate rep with a slightly different "quote"
Posted on 7/3/23 at 10:07 am to Pezzo
quote:
Learn this one trick insurance agencies don't want you to know.
quote:
Is there no penalty for insurance companies who send out bogus quotes
this fricking dude here.
Posted on 7/3/23 at 1:15 pm to Chad504boy
quote:
this fricking dude here.
I kept waiting for some sort of information I didn't know about, but it never came.
Posted on 7/3/23 at 2:41 pm to WhiskeyThrottle
don't you hate when you open something up thinking you'll get one thing only to be deceived?
Posted on 7/3/23 at 2:48 pm to Pezzo
I'm guessing you never subscribed to Columbia House as a teenager?
Posted on 7/3/23 at 3:03 pm to fallguy_1978
never heard of it
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