Comment on car insurance
 

*My consumer experience*

I've had insurance with Allegiance, Geico, Traveler's, and now Erie.

Geico was expensive. I knew I was paying for their prime-time TV ads.
I paid something like $1200 per year.

Traveler's was cheaper. I assumed it was the cheapest in town.
I paid $920 per year.

Erie, I was stunned to learn, is extremely cheap for the same
coverage.
I pay $530 per year. Yes, per year.

I cannot explain the discrepancy, other than to say that I've
never seen a TV ad for Erie nor heard a radio ad. Also, my customer
experience with my local rep has not been great. I call the corporate
office whenever I have a question.

Before Geico, I had Allegiance, which I recall was at the time
quite cheap. I may have been near the Erie price. However their
insurance became unavailable.

Re: Comment on car insurance
 

Does it pay its claims?
Often no-nme insurance companies do not pay claims.

Re: Comment on car insurance
 

Does it pay its claims?
Often no-nme insurance companies do not pay claims.

Re: Comment on car insurance
 

Does it pay its claims?
Often no-nme insurance companies do not pay claims.

Re: Comment on car insurance
 

I had Travelers but switched to Geico to save the 15% they advertise. Then
to Erie to save the 15% they advertise. Then I switched to All State to
save the 15% they advertise. I figure if I switch enough times, my
insurance will be free LOL

mike


"Useful Info" <useful_inf@yahoo.com> wrote in message
news:1183136989.659599.234450@n60g2000hse.googlegr oups.com...
> *My consumer experience*
>
> I've had insurance with Allegiance, Geico, Traveler's, and now Erie.
>
> Geico was expensive. I knew I was paying for their prime-time TV ads.
> I paid something like $1200 per year.
>
> Traveler's was cheaper. I assumed it was the cheapest in town.
> I paid $920 per year.
>
> Erie, I was stunned to learn, is extremely cheap for the same
> coverage.
> I pay $530 per year. Yes, per year.
>
> I cannot explain the discrepancy, other than to say that I've
> never seen a TV ad for Erie nor heard a radio ad. Also, my customer
> experience with my local rep has not been great. I call the corporate
> office whenever I have a question.
>
> Before Geico, I had Allegiance, which I recall was at the time
> quite cheap. I may have been near the Erie price. However their
> insurance became unavailable.
>

Re: Comment on car insurance
 

I had Travelers but switched to Geico to save the 15% they advertise. Then
to Erie to save the 15% they advertise. Then I switched to All State to
save the 15% they advertise. I figure if I switch enough times, my
insurance will be free LOL

mike


"Useful Info" <useful_inf@yahoo.com> wrote in message
news:1183136989.659599.234450@n60g2000hse.googlegr oups.com...
> *My consumer experience*
>
> I've had insurance with Allegiance, Geico, Traveler's, and now Erie.
>
> Geico was expensive. I knew I was paying for their prime-time TV ads.
> I paid something like $1200 per year.
>
> Traveler's was cheaper. I assumed it was the cheapest in town.
> I paid $920 per year.
>
> Erie, I was stunned to learn, is extremely cheap for the same
> coverage.
> I pay $530 per year. Yes, per year.
>
> I cannot explain the discrepancy, other than to say that I've
> never seen a TV ad for Erie nor heard a radio ad. Also, my customer
> experience with my local rep has not been great. I call the corporate
> office whenever I have a question.
>
> Before Geico, I had Allegiance, which I recall was at the time
> quite cheap. I may have been near the Erie price. However their
> insurance became unavailable.
>

Re: Comment on car insurance
 

I had Travelers but switched to Geico to save the 15% they advertise. Then
to Erie to save the 15% they advertise. Then I switched to All State to
save the 15% they advertise. I figure if I switch enough times, my
insurance will be free LOL

mike


"Useful Info" <useful_inf@yahoo.com> wrote in message
news:1183136989.659599.234450@n60g2000hse.googlegr oups.com...
> *My consumer experience*
>
> I've had insurance with Allegiance, Geico, Traveler's, and now Erie.
>
> Geico was expensive. I knew I was paying for their prime-time TV ads.
> I paid something like $1200 per year.
>
> Traveler's was cheaper. I assumed it was the cheapest in town.
> I paid $920 per year.
>
> Erie, I was stunned to learn, is extremely cheap for the same
> coverage.
> I pay $530 per year. Yes, per year.
>
> I cannot explain the discrepancy, other than to say that I've
> never seen a TV ad for Erie nor heard a radio ad. Also, my customer
> experience with my local rep has not been great. I call the corporate
> office whenever I have a question.
>
> Before Geico, I had Allegiance, which I recall was at the time
> quite cheap. I may have been near the Erie price. However their
> insurance became unavailable.
>

Re: Comment on car insurance
 

Mike Hunter, wrote the following at or about 6/29/2007 1:54 PM:
> I had Travelers but switched to Geico to save the 15% they advertise. Then
> to Erie to save the 15% they advertise. Then I switched to All State to
> save the 15% they advertise. I figure if I switch enough times, my
> insurance will be free LOL

Think big, Mike! Don't stop there, keep whittling it down until THEY
pay YOU!<g>


If you're >50 it pays to compare the AARP's auto insurance through The
Hartford Insurance Company. I have full coverage on four cars, two of
which are used for business travel and got excellent coverage and
pricing. My old carrier was highly rated and AARP gave me better
coverage for about $900/yr less. Been with them four or five years now.

I've been fortunate and thus unable to tell you how they handle claims
but with it being The Hartford, I can't foresee any problems.

Re: Comment on car insurance
 

Mike Hunter, wrote the following at or about 6/29/2007 1:54 PM:
> I had Travelers but switched to Geico to save the 15% they advertise. Then
> to Erie to save the 15% they advertise. Then I switched to All State to
> save the 15% they advertise. I figure if I switch enough times, my
> insurance will be free LOL

Think big, Mike! Don't stop there, keep whittling it down until THEY
pay YOU!<g>


If you're >50 it pays to compare the AARP's auto insurance through The
Hartford Insurance Company. I have full coverage on four cars, two of
which are used for business travel and got excellent coverage and
pricing. My old carrier was highly rated and AARP gave me better
coverage for about $900/yr less. Been with them four or five years now.

I've been fortunate and thus unable to tell you how they handle claims
but with it being The Hartford, I can't foresee any problems.

Re: Comment on car insurance
 

Mike Hunter, wrote the following at or about 6/29/2007 1:54 PM:
> I had Travelers but switched to Geico to save the 15% they advertise. Then
> to Erie to save the 15% they advertise. Then I switched to All State to
> save the 15% they advertise. I figure if I switch enough times, my
> insurance will be free LOL

Think big, Mike! Don't stop there, keep whittling it down until THEY
pay YOU!<g>


If you're >50 it pays to compare the AARP's auto insurance through The
Hartford Insurance Company. I have full coverage on four cars, two of
which are used for business travel and got excellent coverage and
pricing. My old carrier was highly rated and AARP gave me better
coverage for about $900/yr less. Been with them four or five years now.

I've been fortunate and thus unable to tell you how they handle claims
but with it being The Hartford, I can't foresee any problems.

Re: Comment on car insurance
 

I don't know. I have yet to have a claim against my policy with No Mutual
of Nigeria. ;)

mike

"rick++" <rick303@hotmail.com> wrote in message
news:1183142604.574288.258220@n2g2000hse.googlegro ups.com...
> Does it pay its claims?
> Often no-nme insurance companies do not pay claims.
>
>

Re: Comment on car insurance
 

I don't know. I have yet to have a claim against my policy with No Mutual
of Nigeria. ;)

mike

"rick++" <rick303@hotmail.com> wrote in message
news:1183142604.574288.258220@n2g2000hse.googlegro ups.com...
> Does it pay its claims?
> Often no-nme insurance companies do not pay claims.
>
>

Re: Comment on car insurance
 

I don't know. I have yet to have a claim against my policy with No Mutual
of Nigeria. ;)

mike

"rick++" <rick303@hotmail.com> wrote in message
news:1183142604.574288.258220@n2g2000hse.googlegro ups.com...
> Does it pay its claims?
> Often no-nme insurance companies do not pay claims.
>
>

Re: Comment on car insurance
 

If I paid $900, less than I pay now, my insurance would be free and they
would indeed owe me money.. LOL

mike


"Unquestionably Confused" <puzzled2@ameritech.net> wrote in message
news:hPchi.492$eY.474@newssvr13.news.prodigy.net.. .
> Mike Hunter, wrote the following at or about 6/29/2007 1:54 PM:
>> I had Travelers but switched to Geico to save the 15% they advertise.
>> Then to Erie to save the 15% they advertise. Then I switched to All
>> State to save the 15% they advertise. I figure if I switch enough times,
>> my insurance will be free LOL
>
> Think big, Mike! Don't stop there, keep whittling it down until THEY pay
> YOU!<g>
>
>
> If you're >50 it pays to compare the AARP's auto insurance through The
> Hartford Insurance Company. I have full coverage on four cars, two of
> which are used for business travel and got excellent coverage and pricing.
> My old carrier was highly rated and AARP gave me better coverage for about
> $900/yr less. Been with them four or five years now.
>
> I've been fortunate and thus unable to tell you how they handle claims but
> with it being The Hartford, I can't foresee any problems.

Re: Comment on car insurance
 

If I paid $900, less than I pay now, my insurance would be free and they
would indeed owe me money.. LOL

mike


"Unquestionably Confused" <puzzled2@ameritech.net> wrote in message
news:hPchi.492$eY.474@newssvr13.news.prodigy.net.. .
> Mike Hunter, wrote the following at or about 6/29/2007 1:54 PM:
>> I had Travelers but switched to Geico to save the 15% they advertise.
>> Then to Erie to save the 15% they advertise. Then I switched to All
>> State to save the 15% they advertise. I figure if I switch enough times,
>> my insurance will be free LOL
>
> Think big, Mike! Don't stop there, keep whittling it down until THEY pay
> YOU!<g>
>
>
> If you're >50 it pays to compare the AARP's auto insurance through The
> Hartford Insurance Company. I have full coverage on four cars, two of
> which are used for business travel and got excellent coverage and pricing.
> My old carrier was highly rated and AARP gave me better coverage for about
> $900/yr less. Been with them four or five years now.
>
> I've been fortunate and thus unable to tell you how they handle claims but
> with it being The Hartford, I can't foresee any problems.

Re: Comment on car insurance
 

If I paid $900, less than I pay now, my insurance would be free and they
would indeed owe me money.. LOL

mike


"Unquestionably Confused" <puzzled2@ameritech.net> wrote in message
news:hPchi.492$eY.474@newssvr13.news.prodigy.net.. .
> Mike Hunter, wrote the following at or about 6/29/2007 1:54 PM:
>> I had Travelers but switched to Geico to save the 15% they advertise.
>> Then to Erie to save the 15% they advertise. Then I switched to All
>> State to save the 15% they advertise. I figure if I switch enough times,
>> my insurance will be free LOL
>
> Think big, Mike! Don't stop there, keep whittling it down until THEY pay
> YOU!<g>
>
>
> If you're >50 it pays to compare the AARP's auto insurance through The
> Hartford Insurance Company. I have full coverage on four cars, two of
> which are used for business travel and got excellent coverage and pricing.
> My old carrier was highly rated and AARP gave me better coverage for about
> $900/yr less. Been with them four or five years now.
>
> I've been fortunate and thus unable to tell you how they handle claims but
> with it being The Hartford, I can't foresee any problems.

Re: Comment on car insurance
 

"Useful Info" <useful_inf@yahoo.com> wrote in message
news:1183136989.659599.234450@n60g2000hse.googlegr oups.com...
> *My consumer experience*
>
> I've had insurance with Allegiance, Geico, Traveler's, and now Erie.
>
> Geico was expensive. I knew I was paying for their prime-time TV ads.
> I paid something like $1200 per year.
>
> Traveler's was cheaper. I assumed it was the cheapest in town.
> I paid $920 per year.
>
> Erie, I was stunned to learn, is extremely cheap for the same
> coverage.
> I pay $530 per year. Yes, per year.
>
> I cannot explain the discrepancy, other than to say that I've
> never seen a TV ad for Erie nor heard a radio ad. Also, my customer
> experience with my local rep has not been great. I call the corporate
> office whenever I have a question.
>
> Before Geico, I had Allegiance, which I recall was at the time
> quite cheap. I may have been near the Erie price. However their
> insurance became unavailable.
>

Get a rate quote from Electric Insurance, my auto insurance is now under
$400 a year. I previously had Allstate and then Progressive, but all they
did was raise their rates each year.

Re: Comment on car insurance
 

"Useful Info" <useful_inf@yahoo.com> wrote in message
news:1183136989.659599.234450@n60g2000hse.googlegr oups.com...
> *My consumer experience*
>
> I've had insurance with Allegiance, Geico, Traveler's, and now Erie.
>
> Geico was expensive. I knew I was paying for their prime-time TV ads.
> I paid something like $1200 per year.
>
> Traveler's was cheaper. I assumed it was the cheapest in town.
> I paid $920 per year.
>
> Erie, I was stunned to learn, is extremely cheap for the same
> coverage.
> I pay $530 per year. Yes, per year.
>
> I cannot explain the discrepancy, other than to say that I've
> never seen a TV ad for Erie nor heard a radio ad. Also, my customer
> experience with my local rep has not been great. I call the corporate
> office whenever I have a question.
>
> Before Geico, I had Allegiance, which I recall was at the time
> quite cheap. I may have been near the Erie price. However their
> insurance became unavailable.
>

Get a rate quote from Electric Insurance, my auto insurance is now under
$400 a year. I previously had Allstate and then Progressive, but all they
did was raise their rates each year.

Re: Comment on car insurance
 

"Useful Info" <useful_inf@yahoo.com> wrote in message
news:1183136989.659599.234450@n60g2000hse.googlegr oups.com...
> *My consumer experience*
>
> I've had insurance with Allegiance, Geico, Traveler's, and now Erie.
>
> Geico was expensive. I knew I was paying for their prime-time TV ads.
> I paid something like $1200 per year.
>
> Traveler's was cheaper. I assumed it was the cheapest in town.
> I paid $920 per year.
>
> Erie, I was stunned to learn, is extremely cheap for the same
> coverage.
> I pay $530 per year. Yes, per year.
>
> I cannot explain the discrepancy, other than to say that I've
> never seen a TV ad for Erie nor heard a radio ad. Also, my customer
> experience with my local rep has not been great. I call the corporate
> office whenever I have a question.
>
> Before Geico, I had Allegiance, which I recall was at the time
> quite cheap. I may have been near the Erie price. However their
> insurance became unavailable.
>

Get a rate quote from Electric Insurance, my auto insurance is now under
$400 a year. I previously had Allstate and then Progressive, but all they
did was raise their rates each year.

Re: Comment on car insurance
 

If it's similar to my past experience, they bump you back up, the next three
renewals so that in the end you are paying MORE than a 'non-discount'
offering company would charge.

If you want to play 'merrygoround insurance', fine - OTW find a good stable
company, pay fair rates and get GREAT servce!

JM02¢W

"Mike Hunter" <mikehunt2@mailcity.com> found these unused words:

>I had Travelers but switched to Geico to save the 15% they advertise. Then
>to Erie to save the 15% they advertise. Then I switched to All State to
>save the 15% they advertise. I figure if I switch enough times, my
>insurance will be free LOL
>
>mike
>
>
>"Useful Info" <useful_inf@yahoo.com> wrote in message
>news:1183136989.659599.234450@n60g2000hse.googleg roups.com...
>> *My consumer experience*
>>
>> I've had insurance with Allegiance, Geico, Traveler's, and now Erie.
>>
>> Geico was expensive. I knew I was paying for their prime-time TV ads.
>> I paid something like $1200 per year.
>>
>> Traveler's was cheaper. I assumed it was the cheapest in town.
>> I paid $920 per year.
>>
>> Erie, I was stunned to learn, is extremely cheap for the same
>> coverage.
>> I pay $530 per year. Yes, per year.
>>
>> I cannot explain the discrepancy, other than to say that I've
>> never seen a TV ad for Erie nor heard a radio ad. Also, my customer
>> experience with my local rep has not been great. I call the corporate
>> office whenever I have a question.
>>
>> Before Geico, I had Allegiance, which I recall was at the time
>> quite cheap. I may have been near the Erie price. However their
>> insurance became unavailable.
>>
>

Re: Comment on car insurance
 

If it's similar to my past experience, they bump you back up, the next three
renewals so that in the end you are paying MORE than a 'non-discount'
offering company would charge.

If you want to play 'merrygoround insurance', fine - OTW find a good stable
company, pay fair rates and get GREAT servce!

JM02¢W

"Mike Hunter" <mikehunt2@mailcity.com> found these unused words:

>I had Travelers but switched to Geico to save the 15% they advertise. Then
>to Erie to save the 15% they advertise. Then I switched to All State to
>save the 15% they advertise. I figure if I switch enough times, my
>insurance will be free LOL
>
>mike
>
>
>"Useful Info" <useful_inf@yahoo.com> wrote in message
>news:1183136989.659599.234450@n60g2000hse.googleg roups.com...
>> *My consumer experience*
>>
>> I've had insurance with Allegiance, Geico, Traveler's, and now Erie.
>>
>> Geico was expensive. I knew I was paying for their prime-time TV ads.
>> I paid something like $1200 per year.
>>
>> Traveler's was cheaper. I assumed it was the cheapest in town.
>> I paid $920 per year.
>>
>> Erie, I was stunned to learn, is extremely cheap for the same
>> coverage.
>> I pay $530 per year. Yes, per year.
>>
>> I cannot explain the discrepancy, other than to say that I've
>> never seen a TV ad for Erie nor heard a radio ad. Also, my customer
>> experience with my local rep has not been great. I call the corporate
>> office whenever I have a question.
>>
>> Before Geico, I had Allegiance, which I recall was at the time
>> quite cheap. I may have been near the Erie price. However their
>> insurance became unavailable.
>>
>

Re: Comment on car insurance
 

If it's similar to my past experience, they bump you back up, the next three
renewals so that in the end you are paying MORE than a 'non-discount'
offering company would charge.

If you want to play 'merrygoround insurance', fine - OTW find a good stable
company, pay fair rates and get GREAT servce!

JM02¢W

"Mike Hunter" <mikehunt2@mailcity.com> found these unused words:

>I had Travelers but switched to Geico to save the 15% they advertise. Then
>to Erie to save the 15% they advertise. Then I switched to All State to
>save the 15% they advertise. I figure if I switch enough times, my
>insurance will be free LOL
>
>mike
>
>
>"Useful Info" <useful_inf@yahoo.com> wrote in message
>news:1183136989.659599.234450@n60g2000hse.googleg roups.com...
>> *My consumer experience*
>>
>> I've had insurance with Allegiance, Geico, Traveler's, and now Erie.
>>
>> Geico was expensive. I knew I was paying for their prime-time TV ads.
>> I paid something like $1200 per year.
>>
>> Traveler's was cheaper. I assumed it was the cheapest in town.
>> I paid $920 per year.
>>
>> Erie, I was stunned to learn, is extremely cheap for the same
>> coverage.
>> I pay $530 per year. Yes, per year.
>>
>> I cannot explain the discrepancy, other than to say that I've
>> never seen a TV ad for Erie nor heard a radio ad. Also, my customer
>> experience with my local rep has not been great. I call the corporate
>> office whenever I have a question.
>>
>> Before Geico, I had Allegiance, which I recall was at the time
>> quite cheap. I may have been near the Erie price. However their
>> insurance became unavailable.
>>
>

Re: Comment on car insurance
 

Sir F. A. Rien, wrote the following at or about 6/29/2007 3:07 PM:
> If it's similar to my past experience, they bump you back up, the next three
> renewals so that in the end you are paying MORE than a 'non-discount'
> offering company would charge.
>
> If you want to play 'merrygoround insurance', fine - OTW find a good stable
> company, pay fair rates and get GREAT servce!

Haven't found that to be the case with The Hartford (AARP. This thread
caused me to check the past three annual premiums. $1539 in 2004 and
$2007 in 2006. That seems like a big change BUT the coverage has
remained constant with no changes to the limits, etc., there have been
no claims BUT the number/type of vehicles insured has been a moving
target.

Currently they are insuring a '01 Buick Park Av, '03 Chrysler T&C, '06
Honda Accord and '94 Corvette convertible. A fifth car was on that
$2007 billing which has since been sold so they haven't been playing the
"Merry Go Round" game with me. It's not worth the time and effort to
pro-rate the premiums based on acquisition dates and sale dates to
figure out an exact increase/decrease. Suffice it to say it's pretty
stable. There's been some fluctuation in premiums on the individual cars
but very nominal and not always an increase.

Re: Comment on car insurance
 

Sir F. A. Rien, wrote the following at or about 6/29/2007 3:07 PM:
> If it's similar to my past experience, they bump you back up, the next three
> renewals so that in the end you are paying MORE than a 'non-discount'
> offering company would charge.
>
> If you want to play 'merrygoround insurance', fine - OTW find a good stable
> company, pay fair rates and get GREAT servce!

Haven't found that to be the case with The Hartford (AARP. This thread
caused me to check the past three annual premiums. $1539 in 2004 and
$2007 in 2006. That seems like a big change BUT the coverage has
remained constant with no changes to the limits, etc., there have been
no claims BUT the number/type of vehicles insured has been a moving
target.

Currently they are insuring a '01 Buick Park Av, '03 Chrysler T&C, '06
Honda Accord and '94 Corvette convertible. A fifth car was on that
$2007 billing which has since been sold so they haven't been playing the
"Merry Go Round" game with me. It's not worth the time and effort to
pro-rate the premiums based on acquisition dates and sale dates to
figure out an exact increase/decrease. Suffice it to say it's pretty
stable. There's been some fluctuation in premiums on the individual cars
but very nominal and not always an increase.

Re: Comment on car insurance
 

Sir F. A. Rien, wrote the following at or about 6/29/2007 3:07 PM:
> If it's similar to my past experience, they bump you back up, the next three
> renewals so that in the end you are paying MORE than a 'non-discount'
> offering company would charge.
>
> If you want to play 'merrygoround insurance', fine - OTW find a good stable
> company, pay fair rates and get GREAT servce!

Haven't found that to be the case with The Hartford (AARP. This thread
caused me to check the past three annual premiums. $1539 in 2004 and
$2007 in 2006. That seems like a big change BUT the coverage has
remained constant with no changes to the limits, etc., there have been
no claims BUT the number/type of vehicles insured has been a moving
target.

Currently they are insuring a '01 Buick Park Av, '03 Chrysler T&C, '06
Honda Accord and '94 Corvette convertible. A fifth car was on that
$2007 billing which has since been sold so they haven't been playing the
"Merry Go Round" game with me. It's not worth the time and effort to
pro-rate the premiums based on acquisition dates and sale dates to
figure out an exact increase/decrease. Suffice it to say it's pretty
stable. There's been some fluctuation in premiums on the individual cars
but very nominal and not always an increase.

Re: Comment on car insurance
 

"rick++" <rick303@hotmail.com> wrote in message
news:1183142604.574288.258220@n2g2000hse.googlegro ups.com...
> Does it pay its claims?
> Often no-nme insurance companies do not pay claims.


Just last week, a kid with a learner's permit was hesitant to make a left turn
on green, and decided to back up instead. He backed up right into my van
sitting behind him.

His mom had Erie insurance. Erie gave me a list of body shops to choose from.
If I chose one on their list, they wouldn't require an adjustor to see it.
I chose a convenient shop where I went before.

I've scheduled to take it in Monday for a 4-day repair job with a mid-size rental
included.

So I've have no problem with Erie. I don't know what will happen to the
kid's insurance rates though! :-)

Don

Re: Comment on car insurance
 

"rick++" <rick303@hotmail.com> wrote in message
news:1183142604.574288.258220@n2g2000hse.googlegro ups.com...
> Does it pay its claims?
> Often no-nme insurance companies do not pay claims.


Just last week, a kid with a learner's permit was hesitant to make a left turn
on green, and decided to back up instead. He backed up right into my van
sitting behind him.

His mom had Erie insurance. Erie gave me a list of body shops to choose from.
If I chose one on their list, they wouldn't require an adjustor to see it.
I chose a convenient shop where I went before.

I've scheduled to take it in Monday for a 4-day repair job with a mid-size rental
included.

So I've have no problem with Erie. I don't know what will happen to the
kid's insurance rates though! :-)

Don

Re: Comment on car insurance
 

"rick++" <rick303@hotmail.com> wrote in message
news:1183142604.574288.258220@n2g2000hse.googlegro ups.com...
> Does it pay its claims?
> Often no-nme insurance companies do not pay claims.


Just last week, a kid with a learner's permit was hesitant to make a left turn
on green, and decided to back up instead. He backed up right into my van
sitting behind him.

His mom had Erie insurance. Erie gave me a list of body shops to choose from.
If I chose one on their list, they wouldn't require an adjustor to see it.
I chose a convenient shop where I went before.

I've scheduled to take it in Monday for a 4-day repair job with a mid-size rental
included.

So I've have no problem with Erie. I don't know what will happen to the
kid's insurance rates though! :-)

Don

Re: Comment on car insurance
 

On Fri, 29 Jun 2007 11:43:24 -0700, rick++ <rick303@hotmail.com>
wrote:

>Does it pay its claims?
>Often no-nme insurance companies do not pay claims.

Citation? Evidence?

Re: Comment on car insurance
 

On Fri, 29 Jun 2007 11:43:24 -0700, rick++ <rick303@hotmail.com>
wrote:

>Does it pay its claims?
>Often no-nme insurance companies do not pay claims.

Citation? Evidence?

Re: Comment on car insurance
 

On Fri, 29 Jun 2007 11:43:24 -0700, rick++ <rick303@hotmail.com>
wrote:

>Does it pay its claims?
>Often no-nme insurance companies do not pay claims.

Citation? Evidence?

Re: Comment on car insurance
 

catalpa wrote:
> "Useful Info" <useful_inf@yahoo.com> wrote in message
> news:1183136989.659599.234450@n60g2000hse.googlegr oups.com...
>
>>*My consumer experience*
>>
>>I've had insurance with Allegiance, Geico, Traveler's, and now Erie.
>>
>>Geico was expensive. I knew I was paying for their prime-time TV ads.
>>I paid something like $1200 per year.
>>
>>Traveler's was cheaper. I assumed it was the cheapest in town.
>>I paid $920 per year.
>>
>>Erie, I was stunned to learn, is extremely cheap for the same
>>coverage.
>>I pay $530 per year. Yes, per year.
>>
>>I cannot explain the discrepancy, other than to say that I've
>>never seen a TV ad for Erie nor heard a radio ad. Also, my customer
>>experience with my local rep has not been great. I call the corporate
>>office whenever I have a question.
>>
>>Before Geico, I had Allegiance, which I recall was at the time
>>quite cheap. I may have been near the Erie price. However their
>>insurance became unavailable.
>>
>
>
> Get a rate quote from Electric Insurance, my auto insurance is now under
> $400 a year. I previously had Allstate and then Progressive, but all they
> did was raise their rates each year.
>
>
>


I did and the quote was 3X higher than I'm currently paying State Farm.
And, that was for less coverage.

JT

Re: Comment on car insurance
 

catalpa wrote:
> "Useful Info" <useful_inf@yahoo.com> wrote in message
> news:1183136989.659599.234450@n60g2000hse.googlegr oups.com...
>
>>*My consumer experience*
>>
>>I've had insurance with Allegiance, Geico, Traveler's, and now Erie.
>>
>>Geico was expensive. I knew I was paying for their prime-time TV ads.
>>I paid something like $1200 per year.
>>
>>Traveler's was cheaper. I assumed it was the cheapest in town.
>>I paid $920 per year.
>>
>>Erie, I was stunned to learn, is extremely cheap for the same
>>coverage.
>>I pay $530 per year. Yes, per year.
>>
>>I cannot explain the discrepancy, other than to say that I've
>>never seen a TV ad for Erie nor heard a radio ad. Also, my customer
>>experience with my local rep has not been great. I call the corporate
>>office whenever I have a question.
>>
>>Before Geico, I had Allegiance, which I recall was at the time
>>quite cheap. I may have been near the Erie price. However their
>>insurance became unavailable.
>>
>
>
> Get a rate quote from Electric Insurance, my auto insurance is now under
> $400 a year. I previously had Allstate and then Progressive, but all they
> did was raise their rates each year.
>
>
>


I did and the quote was 3X higher than I'm currently paying State Farm.
And, that was for less coverage.

JT

Re: Comment on car insurance
 

catalpa wrote:
> "Useful Info" <useful_inf@yahoo.com> wrote in message
> news:1183136989.659599.234450@n60g2000hse.googlegr oups.com...
>
>>*My consumer experience*
>>
>>I've had insurance with Allegiance, Geico, Traveler's, and now Erie.
>>
>>Geico was expensive. I knew I was paying for their prime-time TV ads.
>>I paid something like $1200 per year.
>>
>>Traveler's was cheaper. I assumed it was the cheapest in town.
>>I paid $920 per year.
>>
>>Erie, I was stunned to learn, is extremely cheap for the same
>>coverage.
>>I pay $530 per year. Yes, per year.
>>
>>I cannot explain the discrepancy, other than to say that I've
>>never seen a TV ad for Erie nor heard a radio ad. Also, my customer
>>experience with my local rep has not been great. I call the corporate
>>office whenever I have a question.
>>
>>Before Geico, I had Allegiance, which I recall was at the time
>>quite cheap. I may have been near the Erie price. However their
>>insurance became unavailable.
>>
>
>
> Get a rate quote from Electric Insurance, my auto insurance is now under
> $400 a year. I previously had Allstate and then Progressive, but all they
> did was raise their rates each year.
>
>
>


I did and the quote was 3X higher than I'm currently paying State Farm.
And, that was for less coverage.

JT

Re: Comment on car insurance
 

Unquestionably Confused <puzzled2@ameritech.net> found these unused words:

>Mike Hunter, wrote the following at or about 6/29/2007 1:54 PM:
>> I had Travelers but switched to Geico to save the 15% they advertise. Then
>> to Erie to save the 15% they advertise. Then I switched to All State to
>> save the 15% they advertise. I figure if I switch enough times, my
>> insurance will be free LOL
>
>Think big, Mike! Don't stop there, keep whittling it down until THEY
>pay YOU!<g>
>
>
>If you're >50 it pays to compare the AARP's auto insurance through The
>Hartford Insurance Company. I have full coverage on four cars, two of
>which are used for business travel and got excellent coverage and
>pricing. My old carrier was highly rated and AARP gave me better
>coverage for about $900/yr less. Been with them four or five years now.
>
>I've been fortunate and thus unable to tell you how they handle claims
>but with it being The Hartford, I can't foresee any problems.

Have you compared this with Hartford, including their programs for Credit
Union or other group membership?

Only problem with UURP is their constant nagging and selling of your
information.

Re: Comment on car insurance
 

Unquestionably Confused <puzzled2@ameritech.net> found these unused words:

>Mike Hunter, wrote the following at or about 6/29/2007 1:54 PM:
>> I had Travelers but switched to Geico to save the 15% they advertise. Then
>> to Erie to save the 15% they advertise. Then I switched to All State to
>> save the 15% they advertise. I figure if I switch enough times, my
>> insurance will be free LOL
>
>Think big, Mike! Don't stop there, keep whittling it down until THEY
>pay YOU!<g>
>
>
>If you're >50 it pays to compare the AARP's auto insurance through The
>Hartford Insurance Company. I have full coverage on four cars, two of
>which are used for business travel and got excellent coverage and
>pricing. My old carrier was highly rated and AARP gave me better
>coverage for about $900/yr less. Been with them four or five years now.
>
>I've been fortunate and thus unable to tell you how they handle claims
>but with it being The Hartford, I can't foresee any problems.

Have you compared this with Hartford, including their programs for Credit
Union or other group membership?

Only problem with UURP is their constant nagging and selling of your
information.

Re: Comment on car insurance
 

Unquestionably Confused <puzzled2@ameritech.net> found these unused words:

>Mike Hunter, wrote the following at or about 6/29/2007 1:54 PM:
>> I had Travelers but switched to Geico to save the 15% they advertise. Then
>> to Erie to save the 15% they advertise. Then I switched to All State to
>> save the 15% they advertise. I figure if I switch enough times, my
>> insurance will be free LOL
>
>Think big, Mike! Don't stop there, keep whittling it down until THEY
>pay YOU!<g>
>
>
>If you're >50 it pays to compare the AARP's auto insurance through The
>Hartford Insurance Company. I have full coverage on four cars, two of
>which are used for business travel and got excellent coverage and
>pricing. My old carrier was highly rated and AARP gave me better
>coverage for about $900/yr less. Been with them four or five years now.
>
>I've been fortunate and thus unable to tell you how they handle claims
>but with it being The Hartford, I can't foresee any problems.

Have you compared this with Hartford, including their programs for Credit
Union or other group membership?

Only problem with UURP is their constant nagging and selling of your
information.

Re: Comment on car insurance
 

Bonehenge (B A R R Y) wrote:
> On Fri, 29 Jun 2007 11:43:24 -0700, rick++ <rick303@hotmail.com>
> wrote:
>
>> Does it pay its claims?
>> Often no-nme insurance companies do not pay claims.
>
> Citation? Evidence?

DIY, check out the insurance carrier (BEFORE you sign up) with

http://www.ambest.com/

You have to register to get their ratings information but it's free.

Rick++'s info may only be anecdotal but generally speaking what happens
in one claim from a sub-standard carrier, happens with most, if not all,
of them.

If they have ANY leg to stand on they will deny the claim and make you
sue to collect. There's a certain attrition rate that makes it
profitable for them to do so.

The better companies will try to keep their cost down but do so in a
"penny-wise, pound foolish manner."

I once had Country Companies, a good carrier, that insisted on using
non-GM parts in its repairs. I talked to the body shop and they said
the bumper cover from either GM or second party would do but to avoid
the sheet metal.

I struck a deal with the adjuster who used genuine GM metal but a second
party bumper cover.

The second party bumper cover wound up actually costing more since it
came pre-primed and was a dead-nuts fit on the Pontiac. The 2nd party
cover needed prep, primer and additional labor to make a perfect
fit/finish and Country Companies was cool with that. IIRC, that
substitution cost them an additional $130 but since they had used the
second party cover, their bean counters were happy, etc.

Dumb, dumb, dumb but that's the way it goes.

You run across some sub-standard carrier that specializes in insuring
drunks, bad drivers, etc. with the minimum required - $20k liability
here - and charging their drivers $700 or more a year for what is
practically nothing and you will find they won't give you a cent until
you file suit or back them into a corner with a threat of "bad faith."

It does happen and it happens all too frequently. If you haven't
witnessed it you're just leading a charmed life<G>

Re: Comment on car insurance
 

Bonehenge (B A R R Y) wrote:
> On Fri, 29 Jun 2007 11:43:24 -0700, rick++ <rick303@hotmail.com>
> wrote:
>
>> Does it pay its claims?
>> Often no-nme insurance companies do not pay claims.
>
> Citation? Evidence?

DIY, check out the insurance carrier (BEFORE you sign up) with

http://www.ambest.com/

You have to register to get their ratings information but it's free.

Rick++'s info may only be anecdotal but generally speaking what happens
in one claim from a sub-standard carrier, happens with most, if not all,
of them.

If they have ANY leg to stand on they will deny the claim and make you
sue to collect. There's a certain attrition rate that makes it
profitable for them to do so.

The better companies will try to keep their cost down but do so in a
"penny-wise, pound foolish manner."

I once had Country Companies, a good carrier, that insisted on using
non-GM parts in its repairs. I talked to the body shop and they said
the bumper cover from either GM or second party would do but to avoid
the sheet metal.

I struck a deal with the adjuster who used genuine GM metal but a second
party bumper cover.

The second party bumper cover wound up actually costing more since it
came pre-primed and was a dead-nuts fit on the Pontiac. The 2nd party
cover needed prep, primer and additional labor to make a perfect
fit/finish and Country Companies was cool with that. IIRC, that
substitution cost them an additional $130 but since they had used the
second party cover, their bean counters were happy, etc.

Dumb, dumb, dumb but that's the way it goes.

You run across some sub-standard carrier that specializes in insuring
drunks, bad drivers, etc. with the minimum required - $20k liability
here - and charging their drivers $700 or more a year for what is
practically nothing and you will find they won't give you a cent until
you file suit or back them into a corner with a threat of "bad faith."

It does happen and it happens all too frequently. If you haven't
witnessed it you're just leading a charmed life<G>

Re: Comment on car insurance
 

Bonehenge (B A R R Y) wrote:
> On Fri, 29 Jun 2007 11:43:24 -0700, rick++ <rick303@hotmail.com>
> wrote:
>
>> Does it pay its claims?
>> Often no-nme insurance companies do not pay claims.
>
> Citation? Evidence?

DIY, check out the insurance carrier (BEFORE you sign up) with

http://www.ambest.com/

You have to register to get their ratings information but it's free.

Rick++'s info may only be anecdotal but generally speaking what happens
in one claim from a sub-standard carrier, happens with most, if not all,
of them.

If they have ANY leg to stand on they will deny the claim and make you
sue to collect. There's a certain attrition rate that makes it
profitable for them to do so.

The better companies will try to keep their cost down but do so in a
"penny-wise, pound foolish manner."

I once had Country Companies, a good carrier, that insisted on using
non-GM parts in its repairs. I talked to the body shop and they said
the bumper cover from either GM or second party would do but to avoid
the sheet metal.

I struck a deal with the adjuster who used genuine GM metal but a second
party bumper cover.

The second party bumper cover wound up actually costing more since it
came pre-primed and was a dead-nuts fit on the Pontiac. The 2nd party
cover needed prep, primer and additional labor to make a perfect
fit/finish and Country Companies was cool with that. IIRC, that
substitution cost them an additional $130 but since they had used the
second party cover, their bean counters were happy, etc.

Dumb, dumb, dumb but that's the way it goes.

You run across some sub-standard carrier that specializes in insuring
drunks, bad drivers, etc. with the minimum required - $20k liability
here - and charging their drivers $700 or more a year for what is
practically nothing and you will find they won't give you a cent until
you file suit or back them into a corner with a threat of "bad faith."

It does happen and it happens all too frequently. If you haven't
witnessed it you're just leading a charmed life<G>