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Started By
Message
re: 20% Increase in Auto Insurance Premium for 2019. You Guys Seeing Similar?
Posted on 12/11/18 at 7:17 pm to JohnnyKilroy
Posted on 12/11/18 at 7:17 pm to JohnnyKilroy
I’m about to switch to Progressive for 50% the cost. GEICO has been great but F them for raising my rates drastically the last two cycles. No claims and I’ve got multiple policies with them. Auto insurance is such a scam that never rewards loyalty.
2
Posted on 12/11/18 at 7:23 pm to lnomm34
quote:
Appreciate the input.
Anytime..
Posted on 12/11/18 at 7:23 pm to lnomm34
Yes, and I got new quotes and went with someone else.
Posted on 12/11/18 at 8:07 pm to lnomm34
There is zero reason the state cannot cancel car registration when insurance is not on a car. When you switch insurance the state is informed. If there is no new coverage applied in 30 days then you revoke registration no license plate turned in or coverage ontained you fine the shite out of them.
The fact is though that Louisiana doesnt want to fix the problem.
The fact is though that Louisiana doesnt want to fix the problem.
Posted on 12/11/18 at 8:11 pm to lnomm34
Mine jumped to $325 /mo from $265. Two cars 100/300 col/comp
No moving violations since 2009 no wrecks at fault ever.
No moving violations since 2009 no wrecks at fault ever.
Posted on 12/11/18 at 8:17 pm to lnomm34
Mine went up 10%.
Thanks Louisiana.
Thanks Louisiana.
Posted on 12/11/18 at 8:19 pm to Theboot32
quote:
Don't think my auto is going up, but homeowners is $1000 higher, bank already paid with escrow but will shop around for next year
You can shop it now...any good agent will assist you through the process and make it fairly easy to change.
Posted on 12/11/18 at 8:25 pm to lnomm34
quote:
$500 Comprehensive and Collision.
Coverages:
$100k/$300k/$100k Liability Limits
$100k/person & $300k/accident for Uninsured Motorist
Comprehensive
Collision
Does LA stack Uninsured Motorist coverage? Alabama does for up to 3 cars. You might want to scale back a shade on the UIM coverage, especially if it does stack and maybe look at lowering the comprehensive deductible if that doesn't move the meter much OR get a glass replacement rider on it. I would also look at bumping up the bodily injury liability to $250k/$500k or $500k for per person/incident. You should be able to do that inexpensively and while those numbers appear high, they really aren't. Don't make a several hundred thousand dollar mistake you can fix for $5 per month or so.
Posted on 12/11/18 at 8:33 pm to rowbear1922
quote:
Yea because people like me have had insurance for 15 years and never made a claim
I hear this a lot and instead of looking at an insurance carrier as making out like bandits, I would be thanking God...because you are one split second away from joining the ranks of those who have a blemish on their record and are darn glad they had good insurance for when they needed it.
Posted on 12/11/18 at 8:58 pm to Crimson1st
Can anyone recommend an independent agent in the Lafayette area?
Posted on 12/11/18 at 9:10 pm to TigersSEC2010
quote:
You can thank the 60% of Louisiana rolling around with no insurance
It’s more like 15%.
quote:
According to the Insurance Research Council, an independent nonprofit, 13 percent of Louisiana drivers do not have insurance. The Louisiana Department of Insurance said its figures show 15 percent of drivers do not have insurance.
LINK
I pay over 8K per year for 3 cars with. 19yr old. fricking highway robbery.
Posted on 12/11/18 at 9:25 pm to Crimson1st
quote:
I hear this a lot and instead of looking at an insurance carrier as making out like bandits, I would be thanking God...because you are one split second away from joining the ranks of those who have a blemish on their record and are darn glad they had good insurance for when they needed it.
I do understand that, which is why I continue to pay for insurance for that one possible time I may need it.
Posted on 12/11/18 at 9:26 pm to gplayerjr
quote:
Can anyone recommend an independent agent in the Lafayette area?
Call Insurance Network of Louisiana. I don't see why they couldn't shop for you in Laff when I live in Nola and they are based in Baton Rouge
Posted on 12/11/18 at 9:31 pm to gplayerjr
quote:
Can anyone recommend an independent agent in the Lafayette area?
Dusty Olivier-TWFG Insurance
Posted on 12/11/18 at 9:36 pm to rowbear1922
quote:
I do understand that, which is why I continue to pay for insurance for that one possible time I may need it.
Good deal... I guess I am referring to those who act arrogantly about it and act as if they should be paying next to nothing for coverage when at any given point in time they could have a need for a huge payout, bigger than those they are pointing fingers at for keeping their rates elevated.
Posted on 12/11/18 at 9:52 pm to lnomm34
Biggest reason?
Direct action statute.
Direct action statute.
Posted on 12/11/18 at 9:54 pm to udtiger
Explain that
Posted on 12/11/18 at 10:02 pm to boosiebadazz
Louisiana is one of only a few states that allow a plaintiff to directly sue an insurance company (Minnesota is another).
Thus, the insurance company is on the case caption and a direct party to the suit. In most states, it's a mistrial if a jury even hears there is insurance. Louisiana juries hear there is insurance, which loosens the purse strings.
Those other states also have different rules for UM, which require an actual determination of fault and damages before a policyholder can make a demand for UM.
Thus, the insurance company is on the case caption and a direct party to the suit. In most states, it's a mistrial if a jury even hears there is insurance. Louisiana juries hear there is insurance, which loosens the purse strings.
Those other states also have different rules for UM, which require an actual determination of fault and damages before a policyholder can make a demand for UM.
Posted on 12/11/18 at 10:05 pm to lsufan1971
quote:
It’s more like 15%
horseshite
Posted on 12/11/18 at 10:08 pm to gplayerjr
quote:
Can anyone recommend an independent agent in the Lafayette area?
I’m an independent on Lafayette. Long time lurker of the OT, first time poster. Can take a look if you’d like. Username @ yahoo. Reach out if you’d like quotes.
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