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Posted on 4/10/20 at 12:12 pm to TDsngumbo
Does Geico give you an option for economic or non-economic UM coverage?
Posted on 4/10/20 at 12:18 pm to Fats
quote:
You should shop around - most insurers give "new customer" discounts. It's like cable (before cord cutting) - if you don't swap every year or two, you will end up paying extra so they can discount the new customers.
Yeah, I’ve been changing carriers every 2-3 years because of that. Now you’ve got Henry up there saying that will cost you in the long run. Insurance companies have got you either way.
Posted on 4/10/20 at 12:19 pm to beef42
I’ll take a point and a half on my mortgage with them.
Posted on 4/10/20 at 12:32 pm to High C
quote:
Yeah, I’ve been changing carriers every 2-3 years because of that. Now you’ve got Henry up there saying that will cost you in the long run. Insurance companies have got you either way.
If you really want to get out of it, just drive a paid off car that isn't worth more than 20k and self insure. If you are just paying for liability / uninsured you will pay a lot less. I think the real reason insurance has gotten out of hand has to do with vehicle prices. Even a fender bender these days will cost around $2-5k to repair because of all of the various sensors, cameras, etc.
Posted on 4/10/20 at 12:41 pm to beef42
quote:
Since they've been screwing us for ever, they have decided to cut rates by up to 25 percent. Us louisiananimals will probably get a 2.5 rate decrease!!!!
That’s not what’s happening at all
Posted on 4/10/20 at 12:44 pm to Ed Osteen
quote:
It’s hard to not look at car insurance as a scam when I pay three grand a year, get my tires and wheels stolen, then have to pay around a grand just to use that same insurance I’ve already paid for
Did you not choose your own deductible? FFS
Posted on 4/10/20 at 12:45 pm to TDsngumbo
I have that exact same coverage with Geico except both my deductibles are $500. I am in Louisiana as well. I pay $935 per 6 months for my two vehicles, 2 drivers. I had state farm for the longest time and I was paying almost triple that. Every few months state farm calls me to give me a quote and every time it’s not even close to what Geico is offering right now.
Posted on 4/10/20 at 12:45 pm to Ed Osteen
quote:
It’s hard to not look at car insurance as a scam when I pay three grand a year, get my tires and wheels stolen, then have to pay around a grand just to use that same insurance I’ve already paid for
You’re the dumbass that chose a $1000 comp deductible man
Posted on 4/10/20 at 12:46 pm to Fats
quote:
I think the real reason insurance has gotten out of hand has to do with vehicle prices. Even a fender bender these days will cost around $2-5k to repair because of all of the various sensors, cameras, etc.
That’s barely made an impact. The litigious nature of humans has exponentially increased and that’s what has caused rates to increase.
Look at your premium breakdown and tell me what your most expensive coverage is.
Posted on 4/10/20 at 12:47 pm to TigerChief10
quote:
You’re the dumbass that chose a $1000 comp deductible man
Dude doesn’t understand insurance but thinks it’s a scam because he had to pay the deductible he agreed to contractually.
Posted on 4/10/20 at 12:49 pm to Fats
quote:the difference between liability only and full coverage on my old (16 years) vehicles was literally $300/year. Not even $30/month savings.
you really want to get out of it, just drive a paid off car that isn't worth more than 20k and self insure. If you are just paying for liability / uninsured you will pay a lot less.
Posted on 4/10/20 at 1:26 pm to Henry Jones Jr
I was with progressive for 7-8 years, finally decided to shop around, upped my coverage and only paying about half of what my premium was.
This post was edited on 4/10/20 at 1:28 pm
Posted on 4/10/20 at 1:38 pm to DCtiger1
quote:
Dude doesn’t understand insurance but thinks it’s a scam because he had to pay the deductible he agreed to contractually.
He maybe saved $10/month by having a $1k comp deductible instead of something reasonable like $100 or $250 too.
Posted on 4/10/20 at 1:41 pm to Henry Jones Jr
quote:
Since they've been screwing us for ever
quote:
I bet you think insurance is a scam and are one of those jackasses that says "I didn't have an accident, I should get my premium back!!"
Insurance is always a rip off until something catastrophic happens.
Posted on 4/10/20 at 1:49 pm to Arkapigdiesel
Probably carries the state minimum $25k property damage and doesn’t even realize if he totals a brand new Silverado his company is gonna pay the first 25k then he’s getting sued for the rest.
Posted on 4/10/20 at 1:59 pm to beef42
Off subject but would it be better to switch from State Farm to USAA. Yes I’m eligible for YSAA.
Posted on 4/10/20 at 1:59 pm to High C
that's because you still don't understand how auto insurance works
Posted on 4/10/20 at 2:24 pm to bulldog95
quote:
Off subject but would it be better to switch from State Farm to USAA. Yes I’m eligible for YSAA.
USAA is high as giraffe pussy.
Posted on 4/10/20 at 2:35 pm to DCtiger1
From their presser;
"On average, State Farm Mutual auto customers can expect to receive a credit of about 25 percent of premium for the time period March 20 through May 31; exact percentages will vary by state. Every State Farm Mutual auto insurance customer will receive credits applied against bills beginning as early as June."
So maybe we'll see this in June, unless they can find a away to say NOPE!
"On average, State Farm Mutual auto customers can expect to receive a credit of about 25 percent of premium for the time period March 20 through May 31; exact percentages will vary by state. Every State Farm Mutual auto insurance customer will receive credits applied against bills beginning as early as June."
So maybe we'll see this in June, unless they can find a away to say NOPE!
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