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Re: Comment on car insurance
On Jun 29, 1:09 pm, Useful Info <useful_...@yahoo.com> wrote:
> *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. I don't have Geico, but I just recently filed a claim against someone who did, and I can't see how a few bucks' savings a month (though clearly not in your case) would make them worth it to me. Nice enough people, but it seems like Geico is a call center in some fanciful third dimension. They seemed kind of hard-pressed to handle a complicated situation (and there are far more complicated accident scenarios than mine). Never mind that I'm in Mass where they don't do business. That fact alone had them stop just short of, "So you're telling me they do, in fact, have automobiles in Massachusetts?" Completely confused them. At one point they were asking me to come to Hartford (100 miles away) to have my damage appraised. |
Re: Comment on car insurance
On Jul 3, 8:58 am, Pete from Boston <massp...@my-deja.com> wrote:
> On Jun 29, 1:09 pm, Useful Info <useful_...@yahoo.com> wrote: > > > > > > > *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. > > I don't have Geico, but I just recently filed a claim against someone > who did, and I can't see how a few bucks' savings a month (though > clearly not in your case) would make them worth it to me. Nice enough > people, but it seems like Geico is a call center in some fanciful > third dimension. They seemed kind of hard-pressed to handle a > complicated situation (and there are far more complicated accident > scenarios than mine). Never mind that I'm in Mass where they don't do > business. That fact alone had them stop just short of, "So you're > telling me they do, in fact, have automobiles in Massachusetts?" > Completely confused them. At one point they were asking me to come to > Hartford (100 miles away) to have my damage appraised.- Hide quoted text - > > - Show quoted text - Ive had allstate for years now, since 18 and had nothing but good dealings with them. rates go down overall until lately when we got newer cars, an 04 olds, and my 90 toyota. before it was an 86 mazda, 84 chevy, and 95 mercury. we have pretty clean records, only 6 months till my speeding ticket drops from the policy and no accedints for nearly 9 years |
Re: Comment on car insurance
On Jul 3, 8:58 am, Pete from Boston <massp...@my-deja.com> wrote:
> On Jun 29, 1:09 pm, Useful Info <useful_...@yahoo.com> wrote: > > > > > > > *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. > > I don't have Geico, but I just recently filed a claim against someone > who did, and I can't see how a few bucks' savings a month (though > clearly not in your case) would make them worth it to me. Nice enough > people, but it seems like Geico is a call center in some fanciful > third dimension. They seemed kind of hard-pressed to handle a > complicated situation (and there are far more complicated accident > scenarios than mine). Never mind that I'm in Mass where they don't do > business. That fact alone had them stop just short of, "So you're > telling me they do, in fact, have automobiles in Massachusetts?" > Completely confused them. At one point they were asking me to come to > Hartford (100 miles away) to have my damage appraised.- Hide quoted text - > > - Show quoted text - Ive had allstate for years now, since 18 and had nothing but good dealings with them. rates go down overall until lately when we got newer cars, an 04 olds, and my 90 toyota. before it was an 86 mazda, 84 chevy, and 95 mercury. we have pretty clean records, only 6 months till my speeding ticket drops from the policy and no accedints for nearly 9 years |
Re: Comment on car insurance
On Jul 3, 8:58 am, Pete from Boston <massp...@my-deja.com> wrote:
> On Jun 29, 1:09 pm, Useful Info <useful_...@yahoo.com> wrote: > > > > > > > *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 $530 per year. Yes, per year. > > > I cannot explain the discrepancy, other than to say that I've > > never seen a TV ad for Erie nor heard a radio ad. Also, my customer > > experience with my local rep has not been great. I call the corporate > > office whenever I have a question. > > > Before Geico, I had Allegiance, which I recall was at the time > > quite cheap. I may have been near the Erie price. However their > > insurance became unavailable. > > I don't have Geico, but I just recently filed a claim against someone > who did, and I can't see how a few bucks' savings a month (though > clearly not in your case) would make them worth it to me. Nice enough > people, but it seems like Geico is a call center in some fanciful > third dimension. They seemed kind of hard-pressed to handle a > complicated situation (and there are far more complicated accident > scenarios than mine). Never mind that I'm in Mass where they don't do > business. That fact alone had them stop just short of, "So you're > telling me they do, in fact, have automobiles in Massachusetts?" > Completely confused them. At one point they were asking me to come to > Hartford (100 miles away) to have my damage appraised.- Hide quoted text - > > - Show quoted text - Ive had allstate for years now, since 18 and had nothing but good dealings with them. rates go down overall until lately when we got newer cars, an 04 olds, and my 90 toyota. before it was an 86 mazda, 84 chevy, and 95 mercury. we have pretty clean records, only 6 months till my speeding ticket drops from the policy and no accedints for nearly 9 years |
Re: Comment on car insurance
sharx35 wrote:
> "L Alpert" <alpertl@xxgmail.com> wrote in message > news:eIfii.990$eY.31@newssvr13.news.prodigy.net... >> sharx35 wrote: >>> "L Alpert" <alpertl@xxgmail.com> wrote in message >>> news:ZCVhi.7755$Rw1.4159@newssvr25.news.prodigy.ne t... >>>> sharx35 wrote: >>>>> "L Alpert" <alpertl@xxgmail.com> wrote in message >>>>> news:g2Thi.23556$C96.1487@newssvr23.news.prodigy.n et... >>>>>> sharx35 wrote: >>>>>>> "L Alpert" <alpertl@xxgmail.com> wrote in message >>>>>>> news:1Fqhi.7432$Rw1.198@newssvr25.news.prodigy.net ... >>>>>>>> sharx35 wrote: >>>>>>>>> "Say What?" <NotMe@NotYou.com> wrote in message >>>>>>>>> news:nOkhi.5061$vi5.2767@newssvr17.news.prodigy.ne t... >>>>>>>>>> sharx35 wrote: >>>>>>>>>>> Do you REALLY need ****FOUR***** vehicles? Since my wife >>>>>>>>>>> and I dumped our extra vehicles we have saved THOUSANDS. >>>>>>>>>> >>>>>>>>>> Need? WTF? Maybe he WANTS four vehicles. What difference >>>>>>>>>> does it make (other than perhaps lowering the rates on some >>>>>>>>>> of the cars due to multi-car discounts, low annual mileage >>>>>>>>>> rating, etc.)? >>>>>>>>> >>>>>>>>> Truth is, one can save a LOT more by ditching even ONE extra >>>>>>>>> vehicle than they can by checking the costs of ALL insurance >>>>>>>>> companies in the entire country. >>>>>>>> >>>>>>>> Some of us wish to find the best rate for what we own, not get >>>>>>>> the best rate for what we don't own. >>>>>>>> >>>>>>> >>>>>>> WE have saved thousands by such techniques as cutting down on >>>>>>> total insured value--what do we really NEED. Some things are >>>>>>> cheaper to rent for a day or two every year or so than to BUY >>>>>>> and have to maintain, register and insure. Similarly, by >>>>>>> increasing deductibles and by NOT having expensive glass or >>>>>>> unnecessary coverage. It is also very, very foolish to make >>>>>>> small claims. SELF-insuring is the CHEAPEST insurance >>>>>>> possible--that's why larger companies and local governments >>>>>>> have deductibles of several million--if you can AFFORD to pay a >>>>>>> claim, it is cheaper to pay out the rare smaller type claim >>>>>>> then it is to have a LOW deductible and pay higher premiums for >>>>>>> it, year AFTER year AFTER year. Premium savings can be invested >>>>>>> and earn a LOT more than hypothetical claims, covered, can save >>>>>>> you. >>>>>> >>>>>> Well, sorry if having more cars than drivers is such a heretic >>>>>> practice. Just call me the devil... ;-) >>>>>> >>>>> >>>>> There is an old expression, "A fool and his money are soon >>>>> parted." Capeche? >>>> >>>> There are many old expressions quoted by those that have nothing of >>>> value to say. >>>> >>>> Entienda? >>> >>> Read the parable about the ant and the grasshopper. >> >> It seems you only know one way. That's OK, though, blinders are a >> good fit for some people. >> >> AMF > > I've been on this earth long enough to see where wastefuly, > spendthrift ways has gotten many people. A whole lot of people *look* > well off...until someone who is privy to their finances, such as > myself, as a close look. As often as not, a majority of people are 2 > or 3 pay cheques away from a financial crisis. I learnt that by > observation AND by personal experience. It all depends. I don't worry much about carrying an extra car, but my home is mine free and clear and I could retire now if I didn't love what I do so much, and I'm a long ways off from collecting any SS or from pulling from IRA or 401k investments. I've spent many years scrimping, and now I prefer (and can afford) not to. |
Re: Comment on car insurance
sharx35 wrote:
> "L Alpert" <alpertl@xxgmail.com> wrote in message > news:eIfii.990$eY.31@newssvr13.news.prodigy.net... >> sharx35 wrote: >>> "L Alpert" <alpertl@xxgmail.com> wrote in message >>> news:ZCVhi.7755$Rw1.4159@newssvr25.news.prodigy.ne t... >>>> sharx35 wrote: >>>>> "L Alpert" <alpertl@xxgmail.com> wrote in message >>>>> news:g2Thi.23556$C96.1487@newssvr23.news.prodigy.n et... >>>>>> sharx35 wrote: >>>>>>> "L Alpert" <alpertl@xxgmail.com> wrote in message >>>>>>> news:1Fqhi.7432$Rw1.198@newssvr25.news.prodigy.net ... >>>>>>>> sharx35 wrote: >>>>>>>>> "Say What?" <NotMe@NotYou.com> wrote in message >>>>>>>>> news:nOkhi.5061$vi5.2767@newssvr17.news.prodigy.ne t... >>>>>>>>>> sharx35 wrote: >>>>>>>>>>> Do you REALLY need ****FOUR***** vehicles? Since my wife >>>>>>>>>>> and I dumped our extra vehicles we have saved THOUSANDS. >>>>>>>>>> >>>>>>>>>> Need? WTF? Maybe he WANTS four vehicles. What difference >>>>>>>>>> does it make (other than perhaps lowering the rates on some >>>>>>>>>> of the cars due to multi-car discounts, low annual mileage >>>>>>>>>> rating, etc.)? >>>>>>>>> >>>>>>>>> Truth is, one can save a LOT more by ditching even ONE extra >>>>>>>>> vehicle than they can by checking the costs of ALL insurance >>>>>>>>> companies in the entire country. >>>>>>>> >>>>>>>> Some of us wish to find the best rate for what we own, not get >>>>>>>> the best rate for what we don't own. >>>>>>>> >>>>>>> >>>>>>> WE have saved thousands by such techniques as cutting down on >>>>>>> total insured value--what do we really NEED. Some things are >>>>>>> cheaper to rent for a day or two every year or so than to BUY >>>>>>> and have to maintain, register and insure. Similarly, by >>>>>>> increasing deductibles and by NOT having expensive glass or >>>>>>> unnecessary coverage. It is also very, very foolish to make >>>>>>> small claims. SELF-insuring is the CHEAPEST insurance >>>>>>> possible--that's why larger companies and local governments >>>>>>> have deductibles of several million--if you can AFFORD to pay a >>>>>>> claim, it is cheaper to pay out the rare smaller type claim >>>>>>> then it is to have a LOW deductible and pay higher premiums for >>>>>>> it, year AFTER year AFTER year. Premium savings can be invested >>>>>>> and earn a LOT more than hypothetical claims, covered, can save >>>>>>> you. >>>>>> >>>>>> Well, sorry if having more cars than drivers is such a heretic >>>>>> practice. Just call me the devil... ;-) >>>>>> >>>>> >>>>> There is an old expression, "A fool and his money are soon >>>>> parted." Capeche? >>>> >>>> There are many old expressions quoted by those that have nothing of >>>> value to say. >>>> >>>> Entienda? >>> >>> Read the parable about the ant and the grasshopper. >> >> It seems you only know one way. That's OK, though, blinders are a >> good fit for some people. >> >> AMF > > I've been on this earth long enough to see where wastefuly, > spendthrift ways has gotten many people. A whole lot of people *look* > well off...until someone who is privy to their finances, such as > myself, as a close look. As often as not, a majority of people are 2 > or 3 pay cheques away from a financial crisis. I learnt that by > observation AND by personal experience. It all depends. I don't worry much about carrying an extra car, but my home is mine free and clear and I could retire now if I didn't love what I do so much, and I'm a long ways off from collecting any SS or from pulling from IRA or 401k investments. I've spent many years scrimping, and now I prefer (and can afford) not to. |
Re: Comment on car insurance
sharx35 wrote:
> "L Alpert" <alpertl@xxgmail.com> wrote in message > news:eIfii.990$eY.31@newssvr13.news.prodigy.net... >> sharx35 wrote: >>> "L Alpert" <alpertl@xxgmail.com> wrote in message >>> news:ZCVhi.7755$Rw1.4159@newssvr25.news.prodigy.ne t... >>>> sharx35 wrote: >>>>> "L Alpert" <alpertl@xxgmail.com> wrote in message >>>>> news:g2Thi.23556$C96.1487@newssvr23.news.prodigy.n et... >>>>>> sharx35 wrote: >>>>>>> "L Alpert" <alpertl@xxgmail.com> wrote in message >>>>>>> news:1Fqhi.7432$Rw1.198@newssvr25.news.prodigy.net ... >>>>>>>> sharx35 wrote: >>>>>>>>> "Say What?" <NotMe@NotYou.com> wrote in message >>>>>>>>> news:nOkhi.5061$vi5.2767@newssvr17.news.prodigy.ne t... >>>>>>>>>> sharx35 wrote: >>>>>>>>>>> Do you REALLY need ****FOUR***** vehicles? Since my wife >>>>>>>>>>> and I dumped our extra vehicles we have saved THOUSANDS. >>>>>>>>>> >>>>>>>>>> Need? WTF? Maybe he WANTS four vehicles. What difference >>>>>>>>>> does it make (other than perhaps lowering the rates on some >>>>>>>>>> of the cars due to multi-car discounts, low annual mileage >>>>>>>>>> rating, etc.)? >>>>>>>>> >>>>>>>>> Truth is, one can save a LOT more by ditching even ONE extra >>>>>>>>> vehicle than they can by checking the costs of ALL insurance >>>>>>>>> companies in the entire country. >>>>>>>> >>>>>>>> Some of us wish to find the best rate for what we own, not get >>>>>>>> the best rate for what we don't own. >>>>>>>> >>>>>>> >>>>>>> WE have saved thousands by such techniques as cutting down on >>>>>>> total insured value--what do we really NEED. Some things are >>>>>>> cheaper to rent for a day or two every year or so than to BUY >>>>>>> and have to maintain, register and insure. Similarly, by >>>>>>> increasing deductibles and by NOT having expensive glass or >>>>>>> unnecessary coverage. It is also very, very foolish to make >>>>>>> small claims. SELF-insuring is the CHEAPEST insurance >>>>>>> possible--that's why larger companies and local governments >>>>>>> have deductibles of several million--if you can AFFORD to pay a >>>>>>> claim, it is cheaper to pay out the rare smaller type claim >>>>>>> then it is to have a LOW deductible and pay higher premiums for >>>>>>> it, year AFTER year AFTER year. Premium savings can be invested >>>>>>> and earn a LOT more than hypothetical claims, covered, can save >>>>>>> you. >>>>>> >>>>>> Well, sorry if having more cars than drivers is such a heretic >>>>>> practice. Just call me the devil... ;-) >>>>>> >>>>> >>>>> There is an old expression, "A fool and his money are soon >>>>> parted." Capeche? >>>> >>>> There are many old expressions quoted by those that have nothing of >>>> value to say. >>>> >>>> Entienda? >>> >>> Read the parable about the ant and the grasshopper. >> >> It seems you only know one way. That's OK, though, blinders are a >> good fit for some people. >> >> AMF > > I've been on this earth long enough to see where wastefuly, > spendthrift ways has gotten many people. A whole lot of people *look* > well off...until someone who is privy to their finances, such as > myself, as a close look. As often as not, a majority of people are 2 > or 3 pay cheques away from a financial crisis. I learnt that by > observation AND by personal experience. It all depends. I don't worry much about carrying an extra car, but my home is mine free and clear and I could retire now if I didn't love what I do so much, and I'm a long ways off from collecting any SS or from pulling from IRA or 401k investments. I've spent many years scrimping, and now I prefer (and can afford) not to. |
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