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  #37  
Old 08-30-2016, 08:19 PM
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Re: Insurance Rip-Off for ADDED safety features !!

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Originally Posted by CHALLENGERBIZJET View Post
Is that the AAA auto club?? I'm in Chicago. I'm really interested in that home insurance discount.
Yes.

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  #38  
Old 08-30-2016, 08:42 PM
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Re: Insurance Rip-Off for ADDED safety features !!

Any info on AARP the NRA?? What info or connection did you use for the home owners insurance?
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  #39  
Old 08-30-2016, 09:08 PM
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Re: Insurance Rip-Off for ADDED safety features !!

You guys should stop complaining!

Check out the rates here in Florida - you will probably fall of your chair...
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  #40  
Old 08-31-2016, 09:11 AM
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Re: Insurance Rip-Off for ADDED safety features !!

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Originally Posted by CHALLENGERBIZJET View Post
Any info on AARP the NRA?? What info or connection did you use for the home owners insurance?
Both associations likely have discounts with insurance carriers. I don't know if they are setup like AAA, however, as AAA actually has their own property and casualty insurance company AAA Auto and Home Insurance €“ CSAA Insurance Group. They are available in 23 states plus DC.
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  #41  
Old 08-31-2016, 12:43 PM
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Re: Insurance Rip-Off for ADDED safety features !!

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Originally Posted by GCOverland View Post
You guys should stop complaining!

Check out the rates here in Florida - you will probably fall of your chair...

Or WV. Insurance cost suck here!
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  #42  
Old 08-31-2016, 12:53 PM
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Re: Insurance Rip-Off for ADDED safety features !!

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Originally Posted by Jim_in_PA View Post
I had to do some serious shopping earlier this year when my younger daughter became a licensed driver. It was an interesting exercise, but very necessary. So I'll suggest you do the same. For me, AAA came out ahead of the others and they even blew away what I was paying for homeowners and umbrella, too.
I have had AAA for 3 years. They are great as I had a $900K claim against my insurance due to me losing my house, all belongings, and my 2013 MDX in a 2013 tornado.
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  #43  
Old 08-31-2016, 01:01 PM
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Re: Insurance Rip-Off for ADDED safety features !!

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Originally Posted by Robert Palmer View Post
Take this for what its worth. My insurance for my 2015 Jeep SRT (Registered in Manhattan) was 110 per month.

Got the Hellcat Charger and it doubled to 220. lol

I asked why this was the case, as I have excellent credit and driving history.
The dude on the phone said, I can give you 707 reasons why.
Yeah, and worse the insurance companies are getting smarter when brands try to game the horsepower rating by claiming the Z28 only had [wink wink] 290 horsepower to avoid the old ding for street cars over 300.

Claim history, including theft risk, drives the price.
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  #44  
Old 08-31-2016, 01:02 PM
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Re: Insurance Rip-Off for ADDED safety features !!

Quote:
Originally Posted by CHALLENGERBIZJET View Post
Is that the AAA auto club?? I'm in Chicago. I'm really interested in that home insurance discount.
Check with your local AAA.
They are all AAA, but the local regions differ in rates, service, and offerings.

Pretty much any insurance company will offer discounts if you have homeowners, umbrella, along with your vehicle insurance. If yours doesn't, that isn't a good sign.
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  #45  
Old 08-31-2016, 05:49 PM
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Re: Insurance Rip-Off for ADDED safety features !!

Quote:
Originally Posted by lstowell View Post
Yeah, and worse the insurance companies are getting smarter when brands try to game the horsepower rating by claiming the Z28 only had [wink wink] 290 horsepower to avoid the old ding for street cars over 300.

Claim history, including theft risk, drives the price.
I figured it would go up but not double given my excellent driving history (no claims) and credit. And everyone was around the same price for me. So sticking with GEICO. Oh well pay to play.


And I said eff it lemme see what a regular SRT Charger would cost. It would have cost only 120 per month, a 10 dollar increase from the 2015 SRT Jeep I had. so yea its the car. lmao
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  #46  
Old 08-31-2016, 06:09 PM
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Re: Insurance Rip-Off for ADDED safety features !!

Quote:
Originally Posted by Robert Palmer View Post
I figured it would go up but not double given my excellent driving history (no claims) and credit. And everyone was around the same price for me. So sticking with GEICO. Oh well pay to play.


And I said eff it lemme see what a regular SRT Charger would cost. It would have cost only 120 per month, a 10 dollar increase from the 2015 SRT Jeep I had. so yea its the car. lmao
I have lost the reference for this, but one of those internet thingie "how to save all sorts of money so your kids can get royally drunk at your funeral" articles claims that staying with the same insurance company for too long always costs more than shopping around every few years... or pretty much any time your new insurance quote makes you scream. Your current company may offer to match a better quote.

But, in your case, have you ANY idea what their travel budget for that damn lizard is?
Be thankful you only got hit a modest amount.

[sigh: old enough to remember when GEICO was Goverment Employees Insurance
Company that specialized in not ripping off military members as much as all the
others did]
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  #47  
Old 08-31-2016, 06:30 PM
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Re: Insurance Rip-Off for ADDED safety features !!

Quote:
Originally Posted by lstowell View Post
I have lost the reference for this, but one of those internet thingie "how to save all sorts of money so your kids can get royally drunk at your funeral" articles claims that staying with the same insurance company for too long always costs more than shopping around every few years... or pretty much any time your new insurance quote makes you scream. Your current company may offer to match a better quote.

But, in your case, have you ANY idea what their travel budget for that damn lizard is?
Be thankful you only got hit a modest amount.

[sigh: old enough to remember when GEICO was Goverment Employees Insurance
Company that specialized in not ripping off military members as much as all the
others did]
I understand but like I said I did shop around and everyone was about the same. I dont see a need to move insurance companies when everyone was about the same. Give or take about 10-15 dollars.

I'm sure my premiums pay for at least a couple NY radio spots lol
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  #48  
Old 09-05-2016, 11:43 AM
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Re: Insurance Rip-Off for ADDED safety features !!

Quote:
Originally Posted by lstowell View Post
I have lost the reference for this, but one of those internet thingie "how to save all sorts of money so your kids can get royally drunk at your funeral" articles claims that staying with the same insurance company for too long always costs more than shopping around every few years... or pretty much any time your new insurance quote makes you scream. Your current company may offer to match a better quote.
If you can get a better rate elsewhere, then you should certainly consider moving.

In my case, the difference is negligible between what I have and what other companies offer, especially based on my age and credit history.

I had an F-150 for 17 years, then bought my current Jeep.

Despite having a higher value, my Jeep came out to be the exact same price - to the penny - for my premium. The reasons:

- 17 years ago, I periodically had balances on credit cards and my scores wer lower. Now, my scores are at the upper tier and I have plenty of unused available credit. I also make more money compared to then.

- My Jeep has more airbags and more safety features.

- I'm older and have had a clean record for decades.

- The F-150 is in the top ten of most stolen vehicles for parts.

- When I first got the F-150, I didn't have a garage. Even after renting a place with one, my rate didn't change since I hadn't been there long enough to be established there. Almost 6 years later with no incidents, the Jeep gets a little bit of a discount for the security of being kept in a garage.

For what it's worth, even a class or model series of vehicle can get you dinged. That's especially true of motorcycles. For example, I could pay less for a 1200cc Kawasaki cruiser than for a 250cc Kawasaki Ninja sport bike.

Just the fact that it's a) a sport bike and b) has the name "Ninja" on it doubles the insurance payment.

On the other hand, my 1983 Honda Nighthawk (which is based on the CB series racing bikes) is less than $100 a year, despite the fact that it's actually faster than that modern 250cc Ninja. The fact that parts are hard to find means they would likely total it if there was pretty much an damage claim at all.

Thing I'm wondering is what insurance companies do with people who are Uber drivers, but claim their cars are primarily for "personal use". If they get into accident during an Uber run, can the company opt not to pay the claim due to fraud since they're operating as a for-hire taxi service?
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