sharx35 wrote:
....
> 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.

Truth is, one can save a LOT more by ditching all your vehicles.

Anthony

 

"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.

 

"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.

 

"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.

 

"Anthony Matonak" <anthonym40@nothing.like.socal.rr.com> wrote in message
news:46863dfc$0$12247$4c368faf@roadrunner.com...
> sharx35 wrote:
> ...
>> 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.
>
> Truth is, one can save a LOT more by ditching all your vehicles.
>
> Anthony

Agreed. However, we have cut down to just one dependable vehicle. If we
REALLY need a truck to haul something, it can be rented for a LOT cheaper
than BUYING a truck, registering, insuring and maintaining it. Never mind
cluttering up the yard or street with it.

 

"Anthony Matonak" <anthonym40@nothing.like.socal.rr.com> wrote in message
news:46863dfc$0$12247$4c368faf@roadrunner.com...
> sharx35 wrote:
> ...
>> 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.
>
> Truth is, one can save a LOT more by ditching all your vehicles.
>
> Anthony

Agreed. However, we have cut down to just one dependable vehicle. If we
REALLY need a truck to haul something, it can be rented for a LOT cheaper
than BUYING a truck, registering, insuring and maintaining it. Never mind
cluttering up the yard or street with it.

 

"Anthony Matonak" <anthonym40@nothing.like.socal.rr.com> wrote in message
news:46863dfc$0$12247$4c368faf@roadrunner.com...
> sharx35 wrote:
> ...
>> 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.
>
> Truth is, one can save a LOT more by ditching all your vehicles.
>
> Anthony

Agreed. However, we have cut down to just one dependable vehicle. If we
REALLY need a truck to haul something, it can be rented for a LOT cheaper
than BUYING a truck, registering, insuring and maintaining it. Never mind
cluttering up the yard or street with it.

 

Cathy F. wrote:
> "al" <abuonag@msn.com> wrote in message
> news:1183167891.574177.258260@u2g2000hsc.googlegro ups.com...
>
> <snipped>
>> I've had Geico and Allstate and wouldn't consider them again. All
>> they do is raise rates every year and I never made a claim. I once
>> got two renewal bills from Allstate about a week apart for the exact
>> same policy with a different price for each! I dumped them on the
>> spot.
>
> Huh. I've had Allstate for many years, with no probs. And my premiums have
> gone down. Multiple policies (homeowner's & auto), along with a slew of
> various other discounts pertinent only to the car insurance.
>
> Cathy
>

I have Allstate and they do raise rates pretty much the same as all
insurers do. But overall they are the least expensive for me. I can't
imagine anyones policy every going down unless coverage was changed.


> I also have no intention of paying Geico so that they can make
>> Madison Avenue and Warren Buffet's stock portfolio rich. I definitely
>> pays to shop around. Easy to do these days with the internet. Al
>>
>
>

 

Cathy F. wrote:
> "al" <abuonag@msn.com> wrote in message
> news:1183167891.574177.258260@u2g2000hsc.googlegro ups.com...
>
> <snipped>
>> I've had Geico and Allstate and wouldn't consider them again. All
>> they do is raise rates every year and I never made a claim. I once
>> got two renewal bills from Allstate about a week apart for the exact
>> same policy with a different price for each! I dumped them on the
>> spot.
>
> Huh. I've had Allstate for many years, with no probs. And my premiums have
> gone down. Multiple policies (homeowner's & auto), along with a slew of
> various other discounts pertinent only to the car insurance.
>
> Cathy
>

I have Allstate and they do raise rates pretty much the same as all
insurers do. But overall they are the least expensive for me. I can't
imagine anyones policy every going down unless coverage was changed.


> I also have no intention of paying Geico so that they can make
>> Madison Avenue and Warren Buffet's stock portfolio rich. I definitely
>> pays to shop around. Easy to do these days with the internet. Al
>>
>
>

 

Cathy F. wrote:
> "al" <abuonag@msn.com> wrote in message
> news:1183167891.574177.258260@u2g2000hsc.googlegro ups.com...
>
> <snipped>
>> I've had Geico and Allstate and wouldn't consider them again. All
>> they do is raise rates every year and I never made a claim. I once
>> got two renewal bills from Allstate about a week apart for the exact
>> same policy with a different price for each! I dumped them on the
>> spot.
>
> Huh. I've had Allstate for many years, with no probs. And my premiums have
> gone down. Multiple policies (homeowner's & auto), along with a slew of
> various other discounts pertinent only to the car insurance.
>
> Cathy
>

I have Allstate and they do raise rates pretty much the same as all
insurers do. But overall they are the least expensive for me. I can't
imagine anyones policy every going down unless coverage was changed.


> I also have no intention of paying Geico so that they can make
>> Madison Avenue and Warren Buffet's stock portfolio rich. I definitely
>> pays to shop around. Easy to do these days with the internet. Al
>>
>
>

 

al wrote:
> My experience with AARP Hartford has been pretty good also. I insure
> two sedans and the truck, all without collision, for under $800/yr.
> Some 7 or 8 years ago I backed into somebody in a parking lot. Not
> much damage to the other car and none to mine. They paid the other
> party and raised my rates about $100/yr for four or five years.

What has largely gone unsaid in this thread and which needs to be
mentioned for some, I suspect, is that when comparing auto insurance
rates for two different individuals, you're almost always going to be
comparing "apples and oranges." What sometimes seems to be an endless
list of factors, well, factor in to establishing your rate. Where you
live, where you drive, how much you drive, your age, your
driving/accident history, your credit rating, your vehicle, and so on.

The point is to compare and when someone, like me, says that AARP or
Geico, or Allstate gives the best price, look at the margin of
difference and CONSIDER them. See what they quote you.

Also, check their rating, YOUR experience with them will largely follow
the ratings of AM Best. If they get a crappy rating, it's safe to
assume that any interaction with them after a collision will involve a
load of anti-acid tablets and a bad taste in your mouth.

 

al wrote:
> My experience with AARP Hartford has been pretty good also. I insure
> two sedans and the truck, all without collision, for under $800/yr.
> Some 7 or 8 years ago I backed into somebody in a parking lot. Not
> much damage to the other car and none to mine. They paid the other
> party and raised my rates about $100/yr for four or five years.

What has largely gone unsaid in this thread and which needs to be
mentioned for some, I suspect, is that when comparing auto insurance
rates for two different individuals, you're almost always going to be
comparing "apples and oranges." What sometimes seems to be an endless
list of factors, well, factor in to establishing your rate. Where you
live, where you drive, how much you drive, your age, your
driving/accident history, your credit rating, your vehicle, and so on.

The point is to compare and when someone, like me, says that AARP or
Geico, or Allstate gives the best price, look at the margin of
difference and CONSIDER them. See what they quote you.

Also, check their rating, YOUR experience with them will largely follow
the ratings of AM Best. If they get a crappy rating, it's safe to
assume that any interaction with them after a collision will involve a
load of anti-acid tablets and a bad taste in your mouth.

 

al wrote:
> My experience with AARP Hartford has been pretty good also. I insure
> two sedans and the truck, all without collision, for under $800/yr.
> Some 7 or 8 years ago I backed into somebody in a parking lot. Not
> much damage to the other car and none to mine. They paid the other
> party and raised my rates about $100/yr for four or five years.

What has largely gone unsaid in this thread and which needs to be
mentioned for some, I suspect, is that when comparing auto insurance
rates for two different individuals, you're almost always going to be
comparing "apples and oranges." What sometimes seems to be an endless
list of factors, well, factor in to establishing your rate. Where you
live, where you drive, how much you drive, your age, your
driving/accident history, your credit rating, your vehicle, and so on.

The point is to compare and when someone, like me, says that AARP or
Geico, or Allstate gives the best price, look at the margin of
difference and CONSIDER them. See what they quote you.

Also, check their rating, YOUR experience with them will largely follow
the ratings of AM Best. If they get a crappy rating, it's safe to
assume that any interaction with them after a collision will involve a
load of anti-acid tablets and a bad taste in your mouth.

 

"George" <george@nospam.invalid> wrote in message
news:j9udnb_kOb-D0RvbnZ2dnUVZ_h2dnZ2d@comcast.com...
> Cathy F. wrote:
>> "al" <abuonag@msn.com> wrote in message
>> news:1183167891.574177.258260@u2g2000hsc.googlegro ups.com...
>>
>> <snipped>
>>> I've had Geico and Allstate and wouldn't consider them again. All
>>> they do is raise rates every year and I never made a claim. I once
>>> got two renewal bills from Allstate about a week apart for the exact
>>> same policy with a different price for each! I dumped them on the
>>> spot.
>>
>> Huh. I've had Allstate for many years, with no probs. And my premiums
>> have gone down. Multiple policies (homeowner's & auto), along with a
>> slew of various other discounts pertinent only to the car insurance.

> I have Allstate and they do raise rates pretty much the same as all
> insurers do. But overall they are the least expensive for me. I can't
> imagine anyones policy every going down unless coverage was changed.

Last couple of cars have had safety devices earlier ones didn't have - ABS,
daylight running lights, side airbags, etc.; I turned 50 (premium
automatically went down); I took the safe driver course, etc., etc. Anyway,
I'm now paying about $400/yr. less than I was about 10 years ago.

Cathy

 

"George" <george@nospam.invalid> wrote in message
news:j9udnb_kOb-D0RvbnZ2dnUVZ_h2dnZ2d@comcast.com...
> Cathy F. wrote:
>> "al" <abuonag@msn.com> wrote in message
>> news:1183167891.574177.258260@u2g2000hsc.googlegro ups.com...
>>
>> <snipped>
>>> I've had Geico and Allstate and wouldn't consider them again. All
>>> they do is raise rates every year and I never made a claim. I once
>>> got two renewal bills from Allstate about a week apart for the exact
>>> same policy with a different price for each! I dumped them on the
>>> spot.
>>
>> Huh. I've had Allstate for many years, with no probs. And my premiums
>> have gone down. Multiple policies (homeowner's & auto), along with a
>> slew of various other discounts pertinent only to the car insurance.

> I have Allstate and they do raise rates pretty much the same as all
> insurers do. But overall they are the least expensive for me. I can't
> imagine anyones policy every going down unless coverage was changed.

Last couple of cars have had safety devices earlier ones didn't have - ABS,
daylight running lights, side airbags, etc.; I turned 50 (premium
automatically went down); I took the safe driver course, etc., etc. Anyway,
I'm now paying about $400/yr. less than I was about 10 years ago.

Cathy