Comment on car insurance
#91
Guest
Posts: n/a
Re: Comment on car insurance
"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
#92
Guest
Posts: n/a
Re: Comment on car insurance
"Cathy F." <clfrclfr@adelphia.net> found these unused words:
>
>"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
>
As said, " unless coverage was changed ". You changed you coverage by a new
car, possibly less expensive to repair, safety features, etc.!
Apples/Oranges.
>
>"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
>
As said, " unless coverage was changed ". You changed you coverage by a new
car, possibly less expensive to repair, safety features, etc.!
Apples/Oranges.
#93
Guest
Posts: n/a
Re: Comment on car insurance
"Cathy F." <clfrclfr@adelphia.net> found these unused words:
>
>"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
>
As said, " unless coverage was changed ". You changed you coverage by a new
car, possibly less expensive to repair, safety features, etc.!
Apples/Oranges.
>
>"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
>
As said, " unless coverage was changed ". You changed you coverage by a new
car, possibly less expensive to repair, safety features, etc.!
Apples/Oranges.
#94
Guest
Posts: n/a
Re: Comment on car insurance
"Cathy F." <clfrclfr@adelphia.net> found these unused words:
>
>"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
>
As said, " unless coverage was changed ". You changed you coverage by a new
car, possibly less expensive to repair, safety features, etc.!
Apples/Oranges.
>
>"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
>
As said, " unless coverage was changed ". You changed you coverage by a new
car, possibly less expensive to repair, safety features, etc.!
Apples/Oranges.
#95
Guest
Posts: n/a
Re: Comment on car insurance
Cathy F. wrote:
>>> 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
>
>
OK, but that is an apples/oranges comparison.
>>> 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
>
>
OK, but that is an apples/oranges comparison.
#96
Guest
Posts: n/a
Re: Comment on car insurance
Cathy F. wrote:
>>> 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
>
>
OK, but that is an apples/oranges comparison.
>>> 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
>
>
OK, but that is an apples/oranges comparison.
#97
Guest
Posts: n/a
Re: Comment on car insurance
Cathy F. wrote:
>>> 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
>
>
OK, but that is an apples/oranges comparison.
>>> 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
>
>
OK, but that is an apples/oranges comparison.
#98
Guest
Posts: n/a
Re: Comment on car insurance
George <george@nospam.invalid> wrote:
> Cathy F. wrote:
>
>>>> 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
>>
>>
> OK, but that is an apples/oranges comparison.
Nope, particularly with the turning 50 effect.
> Cathy F. wrote:
>
>>>> 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
>>
>>
> OK, but that is an apples/oranges comparison.
Nope, particularly with the turning 50 effect.
#99
Guest
Posts: n/a
Re: Comment on car insurance
George <george@nospam.invalid> wrote:
> Cathy F. wrote:
>
>>>> 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
>>
>>
> OK, but that is an apples/oranges comparison.
Nope, particularly with the turning 50 effect.
> Cathy F. wrote:
>
>>>> 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
>>
>>
> OK, but that is an apples/oranges comparison.
Nope, particularly with the turning 50 effect.
#100
Guest
Posts: n/a
Re: Comment on car insurance
George <george@nospam.invalid> wrote:
> Cathy F. wrote:
>
>>>> 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
>>
>>
> OK, but that is an apples/oranges comparison.
Nope, particularly with the turning 50 effect.
> Cathy F. wrote:
>
>>>> 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 $400/yr. less than I was
>> about 10 years ago. Cathy
>>
>>
> OK, but that is an apples/oranges comparison.
Nope, particularly with the turning 50 effect.
#101
Guest
Posts: n/a
Re: Comment on car insurance
"Unquestionably Confused" <Puzzled2@ameritech.net> wrote in message
news:_2thi.5108$vi5.3368@newssvr17.news.prodigy.ne t...
> 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 $100/yr for four or five years.
>
> What has largely gone unsaid in this thread and which needs to be
> mentioned for some, I suspect, is that when comparing auto insurance rates
> for two different individuals, you're almost always going to be comparing
> "apples and oranges." What sometimes seems to be an endless list of
> factors, well, factor in to establishing your rate. Where you live, where
> you drive, how much you drive, your age, your driving/accident history,
> your credit rating, your vehicle, and so on.
>
> The point is to compare and when someone, like me, says that AARP or
> Geico, or Allstate gives the best price, look at the margin of difference
> and CONSIDER them. See what they quote you.
>
> Also, check their rating, YOUR experience with them will largely follow
> the ratings of AM Best. If they get a crappy rating, it's safe to assume
> that any interaction with them after a collision will involve a load of
> anti-acid tablets and a bad taste in your mouth.
>
Good comments. One could even apply them to what big box store is cheapest
or best or whatever--one would get many different answers. YMMV, they say.
#102
Guest
Posts: n/a
Re: Comment on car insurance
"Unquestionably Confused" <Puzzled2@ameritech.net> wrote in message
news:_2thi.5108$vi5.3368@newssvr17.news.prodigy.ne t...
> 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 $100/yr for four or five years.
>
> What has largely gone unsaid in this thread and which needs to be
> mentioned for some, I suspect, is that when comparing auto insurance rates
> for two different individuals, you're almost always going to be comparing
> "apples and oranges." What sometimes seems to be an endless list of
> factors, well, factor in to establishing your rate. Where you live, where
> you drive, how much you drive, your age, your driving/accident history,
> your credit rating, your vehicle, and so on.
>
> The point is to compare and when someone, like me, says that AARP or
> Geico, or Allstate gives the best price, look at the margin of difference
> and CONSIDER them. See what they quote you.
>
> Also, check their rating, YOUR experience with them will largely follow
> the ratings of AM Best. If they get a crappy rating, it's safe to assume
> that any interaction with them after a collision will involve a load of
> anti-acid tablets and a bad taste in your mouth.
>
Good comments. One could even apply them to what big box store is cheapest
or best or whatever--one would get many different answers. YMMV, they say.
#103
Guest
Posts: n/a
Re: Comment on car insurance
"Unquestionably Confused" <Puzzled2@ameritech.net> wrote in message
news:_2thi.5108$vi5.3368@newssvr17.news.prodigy.ne t...
> 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 $100/yr for four or five years.
>
> What has largely gone unsaid in this thread and which needs to be
> mentioned for some, I suspect, is that when comparing auto insurance rates
> for two different individuals, you're almost always going to be comparing
> "apples and oranges." What sometimes seems to be an endless list of
> factors, well, factor in to establishing your rate. Where you live, where
> you drive, how much you drive, your age, your driving/accident history,
> your credit rating, your vehicle, and so on.
>
> The point is to compare and when someone, like me, says that AARP or
> Geico, or Allstate gives the best price, look at the margin of difference
> and CONSIDER them. See what they quote you.
>
> Also, check their rating, YOUR experience with them will largely follow
> the ratings of AM Best. If they get a crappy rating, it's safe to assume
> that any interaction with them after a collision will involve a load of
> anti-acid tablets and a bad taste in your mouth.
>
Good comments. One could even apply them to what big box store is cheapest
or best or whatever--one would get many different answers. YMMV, they say.
#104
Guest
Posts: n/a
Re: Comment on car insurance
sharx35 wrote:
> "L Alpert" <alpertl@xxgmail.com> wrote in message
> news:1Fqhi.7432$Rw1.198@newssvr25.news.prodigy.net ...
>> sharx35 wrote:
>>> "Say What?" <NotMe@NotYou.com> wrote in message
>>> news:nOkhi.5061$vi5.2767@newssvr17.news.prodigy.ne t...
>>>> sharx35 wrote:
>>>>> Do you REALLY need ****FOUR***** vehicles? Since my wife and I
>>>>> dumped our extra vehicles we have saved THOUSANDS.
>>>>
>>>> Need? WTF? Maybe he WANTS four vehicles. What difference does it
>>>> make (other than perhaps lowering the rates on some of the cars due
>>>> to multi-car discounts, low annual mileage rating, etc.)?
>>>>
>>>
>>> Truth is, one can save a LOT more by ditching even ONE extra vehicle
>>> than they can by checking the costs of ALL insurance companies in
>>> the entire country.
>>
>> Some of us wish to find the best rate for what we own, not get the
>> best rate for what we don't own.
>>
>
> WE have saved thousands by such techniques as cutting down on total
> insured value--what do we really NEED. Some things are cheaper to
> rent for a day or two every year or so than to BUY and have to
> maintain, register and insure. Similarly, by increasing deductibles
> and by NOT having expensive glass or unnecessary coverage. It is also
> very, very foolish to make small claims. SELF-insuring is the
> CHEAPEST insurance possible--that's why larger companies and local
> governments have deductibles of several million--if you can AFFORD to
> pay a claim, it is cheaper to pay out the rare smaller type claim
> then it is to have a LOW deductible and pay higher premiums for it,
> year AFTER year AFTER year. Premium savings can be invested and earn
> a LOT more than hypothetical claims, covered, can save you.
Well, sorry if having more cars than drivers is such a heretic practice.
Just call me the devil... ;-)
> "L Alpert" <alpertl@xxgmail.com> wrote in message
> news:1Fqhi.7432$Rw1.198@newssvr25.news.prodigy.net ...
>> sharx35 wrote:
>>> "Say What?" <NotMe@NotYou.com> wrote in message
>>> news:nOkhi.5061$vi5.2767@newssvr17.news.prodigy.ne t...
>>>> sharx35 wrote:
>>>>> Do you REALLY need ****FOUR***** vehicles? Since my wife and I
>>>>> dumped our extra vehicles we have saved THOUSANDS.
>>>>
>>>> Need? WTF? Maybe he WANTS four vehicles. What difference does it
>>>> make (other than perhaps lowering the rates on some of the cars due
>>>> to multi-car discounts, low annual mileage rating, etc.)?
>>>>
>>>
>>> Truth is, one can save a LOT more by ditching even ONE extra vehicle
>>> than they can by checking the costs of ALL insurance companies in
>>> the entire country.
>>
>> Some of us wish to find the best rate for what we own, not get the
>> best rate for what we don't own.
>>
>
> WE have saved thousands by such techniques as cutting down on total
> insured value--what do we really NEED. Some things are cheaper to
> rent for a day or two every year or so than to BUY and have to
> maintain, register and insure. Similarly, by increasing deductibles
> and by NOT having expensive glass or unnecessary coverage. It is also
> very, very foolish to make small claims. SELF-insuring is the
> CHEAPEST insurance possible--that's why larger companies and local
> governments have deductibles of several million--if you can AFFORD to
> pay a claim, it is cheaper to pay out the rare smaller type claim
> then it is to have a LOW deductible and pay higher premiums for it,
> year AFTER year AFTER year. Premium savings can be invested and earn
> a LOT more than hypothetical claims, covered, can save you.
Well, sorry if having more cars than drivers is such a heretic practice.
Just call me the devil... ;-)
#105
Guest
Posts: n/a
Re: Comment on car insurance
sharx35 wrote:
> "L Alpert" <alpertl@xxgmail.com> wrote in message
> news:1Fqhi.7432$Rw1.198@newssvr25.news.prodigy.net ...
>> sharx35 wrote:
>>> "Say What?" <NotMe@NotYou.com> wrote in message
>>> news:nOkhi.5061$vi5.2767@newssvr17.news.prodigy.ne t...
>>>> sharx35 wrote:
>>>>> Do you REALLY need ****FOUR***** vehicles? Since my wife and I
>>>>> dumped our extra vehicles we have saved THOUSANDS.
>>>>
>>>> Need? WTF? Maybe he WANTS four vehicles. What difference does it
>>>> make (other than perhaps lowering the rates on some of the cars due
>>>> to multi-car discounts, low annual mileage rating, etc.)?
>>>>
>>>
>>> Truth is, one can save a LOT more by ditching even ONE extra vehicle
>>> than they can by checking the costs of ALL insurance companies in
>>> the entire country.
>>
>> Some of us wish to find the best rate for what we own, not get the
>> best rate for what we don't own.
>>
>
> WE have saved thousands by such techniques as cutting down on total
> insured value--what do we really NEED. Some things are cheaper to
> rent for a day or two every year or so than to BUY and have to
> maintain, register and insure. Similarly, by increasing deductibles
> and by NOT having expensive glass or unnecessary coverage. It is also
> very, very foolish to make small claims. SELF-insuring is the
> CHEAPEST insurance possible--that's why larger companies and local
> governments have deductibles of several million--if you can AFFORD to
> pay a claim, it is cheaper to pay out the rare smaller type claim
> then it is to have a LOW deductible and pay higher premiums for it,
> year AFTER year AFTER year. Premium savings can be invested and earn
> a LOT more than hypothetical claims, covered, can save you.
Well, sorry if having more cars than drivers is such a heretic practice.
Just call me the devil... ;-)
> "L Alpert" <alpertl@xxgmail.com> wrote in message
> news:1Fqhi.7432$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... ;-)