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Started By
Message
More car insurance BS. Time to switch again
Posted on 4/23/24 at 2:52 pm
Posted on 4/23/24 at 2:52 pm
Been with Farm Bureau since I bought my truck. This has been my premium for each six month period. No accidents, no claims, no tickets, spotless driving record.
Initial premium: $672
First renewal: $878
Second renewal (just received yesterday): $1,074
Hopped online and got quotes from GEICO and Progressive for the same coverage.
GEICO quote: $801
Progressive quote: $658
Guess I’ll be switching BACK to Progressive because every company I’ve been with does the same jacking up of premiums each renewal. Do they not want to keep customers or do they just depend on people blindly renewing despite the rate hikes?
Initial premium: $672
First renewal: $878
Second renewal (just received yesterday): $1,074
Hopped online and got quotes from GEICO and Progressive for the same coverage.
GEICO quote: $801
Progressive quote: $658
Guess I’ll be switching BACK to Progressive because every company I’ve been with does the same jacking up of premiums each renewal. Do they not want to keep customers or do they just depend on people blindly renewing despite the rate hikes?
23
Posted on 4/23/24 at 2:54 pm to High C
My guess would be the blind renewals.
Posted on 4/23/24 at 2:56 pm to High C
They are playing you off of each other.
If you can’t see this, you are a blind SOB and exactly the type of shill they are looking for.
If you can’t see this, you are a blind SOB and exactly the type of shill they are looking for.
Posted on 4/23/24 at 3:00 pm to 0x15E
quote:
They are playing you off of each other.
I pretty much posted that.
quote:
If you can’t see this, you are a blind SOB and exactly the type of shill they are looking for.
Doesn’t the fact that I’m switching again indicate that I’m not a blind shill? I apologize if I’m missing your point.
Posted on 4/23/24 at 3:02 pm to 0x15E
quote:
They are playing you off of each other. If you can’t see this, you are a blind SOB and exactly the type of shill they are looking for.
So what is he supposed to do? Just keep paying more when he can get it cheaper somewhere else? We switch last year from Farm Bureau to progressive because of the same shite. Although this time around progressive went up 60 bucks on the renewal I'm sure it'll continue to go up.
Posted on 4/23/24 at 3:02 pm to High C
quote:
Doesn’t the fact that I’m switching again indicate that I’m not a blind shill? I apologize if I’m missing your point.
I think it proves it
Posted on 4/23/24 at 3:10 pm to High C
You need to educate yourself about underwriting. The first year they charged the normal rate. If you didn’t have a claim that increases the odds that you’ll have a claim the next year. Another year with no claim raises them again. You are basis ticking time bomb. It’s all about probability.
Posted on 4/23/24 at 3:18 pm to OysterPoBoy
quote:
The first year they charged the normal rate. If you didn’t have a claim that increases the odds that you’ll have a claim the next year. Another year with no claim raises them again. You are basis ticking time bomb. It’s all about probability.
Damn! I haven't had a claim since I started driving, in 1981. I should be paying about a billion per year by now.
Posted on 4/23/24 at 3:20 pm to Boudreaux35
quote:
Damn! I haven't had a claim since I started driving, in 1981. I should be paying about a billion per year by now.
After 5 years they switch you to safe driver status and they level out.
Posted on 4/23/24 at 3:25 pm to High C
I pay 95 bucks a months with State Farm.
Posted on 4/23/24 at 3:25 pm to High C
I’ve had 4 different car insurance companies the last 4 years. frick their bundles and loyalty
Posted on 4/23/24 at 3:43 pm to High C
Learned last week that in FL at least, a home ins provider can send you a policy,, you sign it, they rhen cash your check for the full premium and then come back three weeks later and say... You need to fix this wiring or plumbing or _____ issue by x date or they will cancel your policy. They have that time to "final" underwrite your policy
Posted on 4/23/24 at 3:44 pm to High C
quote:
they just depend on people blindly renewing
Posted on 4/23/24 at 3:50 pm to High C
Learned of something new from my agent the other day because I was in the similar boat.
No one else came in cheaper, so she just requoted the same policy from the existing company and it came back much cheaper. There was a technical name for it, but I forget. Basically it's just asking them to take another look, and they agree to do so or sometimes not. It worked for me and came back 630 dollars cheaper. This was with progressive, so when they jack up your rate next year, try that with them.
No one else came in cheaper, so she just requoted the same policy from the existing company and it came back much cheaper. There was a technical name for it, but I forget. Basically it's just asking them to take another look, and they agree to do so or sometimes not. It worked for me and came back 630 dollars cheaper. This was with progressive, so when they jack up your rate next year, try that with them.
Posted on 4/23/24 at 4:22 pm to OysterPoBoy
quote:
The first year they charged the normal rate. If you didn’t have a claim that increases the odds that you’ll have a claim the next year. Another year with no claim raises them again. You are basis ticking time bomb. It’s all about probability.
So... the more wrecks you have, the cheaper your insurance should be.
Posted on 4/23/24 at 4:29 pm to High C
I've been using Progressive for over two decades with zero trouble. A guy hit me on Airline HWY once and the adjuster drove to my house, printed out a check on the spot and I was done.
My insurance has steadily been going down over the years due to zero accidents and the loyalty program. I don't use any of that "driver tracking" type crap though.
My insurance has steadily been going down over the years due to zero accidents and the loyalty program. I don't use any of that "driver tracking" type crap though.
Posted on 4/23/24 at 4:34 pm to tigersownall
quote:
I pay 95 bucks a months with State Farm.
About what mine is for me on my truck, but throw in my wife and a teenaged driver and it's well over $400/mo
Posted on 4/23/24 at 4:39 pm to High C
Nothing more expensive than cheap insurance. Farm Bureau is not cheap but they pay without hassle when you have a claim- at least in my experience with them.
Posted on 4/23/24 at 4:40 pm to High C
Got to raise rates to offset the cost incurred from being sued by all the scum bag billboard sue mongering lawyers in LA.
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