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  #49  
Old 09-05-2016, 12:52 PM
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Re: Insurance Rip-Off for ADDED safety features !!

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Originally Posted by MDBones View Post
Have State Farm as well... my 6 month premium was $387 on my 16 HA. Roughly $25 more than it was on my 14 Overland.
Interesting... just got my 6 month premium notice in the mail and I see it dropped to $348 now.

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  #50  
Old 09-05-2016, 02:53 PM
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Re: Insurance Rip-Off for ADDED safety features !!

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Originally Posted by NetworkTV View Post
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?
I could be wrong, but I believe that Uber drivers have insurance via Uber when they are "on duty". But I'd still be concerned that a non-Uber-related accident could be denied if the private insurance founds out that the vehicle was used for "commercial" purposes even part-time. Insurance companies can be, um...well...like that...
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  #51  
Old 09-05-2016, 06:52 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 could be wrong, but I believe that Uber drivers have insurance via Uber when they are "on duty". But I'd still be concerned that a non-Uber-related accident could be denied if the private insurance founds out that the vehicle was used for "commercial" purposes even part-time. Insurance companies can be, um...well...like that...
They are like that.
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  #52  
Old 09-05-2016, 11:17 PM
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Re: Insurance Rip-Off for ADDED safety features !!

Quote:
Originally Posted by NetworkTV View Post
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?
My wife will occasionally take a client in her Jeep. We have to have a rider on our policy for her Jeep because of this. It's considered business use, even if not commercial transportation. Insurance companies have whole departments to pick claims apart. Insurance fraud is big business. Don't know about uber, but newspaper and pizza delivery drivers need extra insurance on their personal vehicles because of business use.
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  #53  
Old 09-06-2016, 02:54 PM
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Re: Insurance Rip-Off for ADDED safety features !!

Got my insurance fixed !!

Turns out the reason for the rather large difference was not Overland vs Summit or 2015 vs 2017 or More Safety features on newer models.

It was because they didn't have the "Symbols" for 2017 yet and they essentially went to some sort of default symbols. So I gave them a VIN of 2016 Summit (just to look up the symbols).

My Overland was like a 30/32 (Comprehensive /Collision)
Without 2017 data they had set it to 55/55
Using symbols from a 2016 Summit it is now back down to 36/36

So the price went up about $50.00/yr from the 2015 Overland to around $650.00/yr for the 2017 Summit. Which seems about right.

Make sure your vehicle is categorized correctly. They had no problem charging me more due to lack of data and I don't think it would have been updated automatically or retroactive. And if I did live in a more expensive state or location or bad credit the difference could have been much larger.
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  #54  
Old 09-06-2016, 05:20 PM
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Re: Insurance Rip-Off for ADDED safety features !!

That's a good reminder, mswlogo. I remember back in 2012 when I was buying my "Overland-Summit" and the insurance company miscoded things as a Laredo, although that was because the "dealer sales dude" called the agent and confused them... While the price was nice, it would have resulted in a sudden extra bill later. But it was still less to insure than our Outback. LOL
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  #55  
Old 09-06-2016, 05:59 PM
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Re: Insurance Rip-Off for ADDED safety features !!

Quote:
Originally Posted by mswlogo View Post
Got my insurance fixed !!

Turns out the reason for the rather large difference was not Overland vs Summit or 2015 vs 2017 or More Safety features on newer models.

It was because they didn't have the "Symbols" for 2017 yet and they essentially went to some sort of default symbols. So I gave them a VIN of 2016 Summit (just to look up the symbols).

My Overland was like a 30/32 (Comprehensive /Collision)
Without 2017 data they had set it to 55/55
Using symbols from a 2016 Summit it is now back down to 36/36

So the price went up about $50.00/yr from the 2015 Overland to around $650.00/yr for the 2017 Summit. Which seems about right.

Make sure your vehicle is categorized correctly. They had no problem charging me more due to lack of data and I don't think it would have been updated automatically or retroactive. And if I did live in a more expensive state or location or bad credit the difference could have been much larger.
I had a similar thing happen with my early '14 Overland. The vin wasn't in there system, my agent called the underwriting department who apparently made up numbers.

This time, the day I got the vin I went to his office and had him check that the system is up to date.

The train with my new Jeep left the station this morning. It should follow the same route as SummitOverland's did last month. It should hit the dealer Sunday or Monday.

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