1. Welcome to Tacoma World!

    You are currently viewing as a guest! To get full-access, you need to register for a FREE account.

    As a registered member, you’ll be able to:
    • Participate in all Tacoma discussion topics
    • Communicate privately with other Tacoma owners from around the world
    • Post your own photos in our Members Gallery
    • Access all special features of the site

question on insurance

Discussion in 'Off-Topic Discussion' started by ckeeton, Nov 27, 2010.

  1. Nov 27, 2010 at 12:49 PM
    #1
    ckeeton

    ckeeton [OP] Bazinga

    Joined:
    Sep 7, 2010
    Member:
    #42853
    Messages:
    1,550
    Gender:
    Male
    First Name:
    Chris
    Duluth, GA
    Vehicle:
    2011 DC Trd Sport Gray
    trd sport with avid off road light bar, avid rock sliders. OEM roof rack, 12' LED light bar, and Sock monkey decals.
    so we have nationwide insurance, got a letter from them today saying that they are ending our insurance with them because i have two speeding tickets the first was 10/08 the second was 10/09. they forgave the one in 2009. but did not say anything about the first one. the letter only states these two tickets, nothing else.

    does anyone know why they would be dropping us for just two tickets that are a year apart? (also that happened two years ago) and no one else has gotten any tickets or wrecks or anything.
    just really confused on why they would drop us. :confused:

    thanks.
     
  2. Nov 27, 2010 at 1:04 PM
    #2
    Incognito

    Incognito μολὼν λαβέ

    Joined:
    May 25, 2009
    Member:
    #17626
    Messages:
    13,625
    Gender:
    Male
    First Name:
    Colton
    VA
    Vehicle:
    2012 Pyrite AC TRD OR
    See Build thread
    Have you claimed anything on insurance? Were you speeding 10+ over the limit?

    Since you're 19 with two speeding tickets already they can end your contract because they consider you a risk.
     
  3. Nov 27, 2010 at 1:07 PM
    #3
    ckeeton

    ckeeton [OP] Bazinga

    Joined:
    Sep 7, 2010
    Member:
    #42853
    Messages:
    1,550
    Gender:
    Male
    First Name:
    Chris
    Duluth, GA
    Vehicle:
    2011 DC Trd Sport Gray
    trd sport with avid off road light bar, avid rock sliders. OEM roof rack, 12' LED light bar, and Sock monkey decals.
    no nothing is claimed. and one was over ten. but it was like 12.
    and i was just expecting them to raise my cost.
    but any ideas on why they are doing this a year after the last one was given?
     
  4. Nov 27, 2010 at 1:34 PM
    #4
    Snipe

    Snipe Well-Known Member

    Joined:
    Jan 9, 2009
    Member:
    #12421
    Messages:
    1,150
    Gender:
    Male
    Pacific NW
    Vehicle:
    08 TRD Off Road
    Nation Wide insurance Sucks, I had them for my truck and homeowners policies for several years.

    They sent out a letter stating that I had too much moss on my roof and had 5 weeks to show them proof that the condition has been or will be corrected.
    I was planning on putting on a new roof that summer anyway but decided to bump up the schedule since I had some time off from work.

    4 days after the first letter I got a 2nd stating that they are choosing not to renew my homeowners policy when it expires at the end of the year :confused:

    I immediately moved both my homeowners and auto policies to another company and they called me several times wanting me to renew with them.

    I told them to stick it
     
  5. Nov 27, 2010 at 1:41 PM
    #5
    Brunes

    Brunes abides.

    Joined:
    May 31, 2008
    Member:
    #7011
    Messages:
    17,641
    Gender:
    Male
    First Name:
    Rotorhead
    DC or New Jersey - Depends on the day....
    Vehicle:
    08 Red/Graphite and Satin Black
    Inside: Tint, Wet Okole 1/2 Piped Red/Black Covers, Black Weathertech Digital Fit Mats, URD Short Throw w/ TWM Weighted Knob, USA Spec iPod adapter. Outside: 4300K Retro w/ Angel Eyes and Red Shrouds, 5000K Blazer Fog Light Retrofit, Debadge, Bed Locking Handle, Satin Black Rims Performance: TRD/Steigmeier Blower w/ 2.7 Pulley. 668 Injectors and 320 LPH AEM Fuel pump. URD UCON and 7th Injector. DTLT Headers, URD Y-Pipe, Wicked Flow Muffler. Suspension: Both: OME Shocks Front: 886X's and TC UCAs Rear: Dakars Armor: Relentless Front Bumper Relentless High Clearance Rear w/ Tire/Rotopax Swing Out Relentless Front, Mid, and TCase skids BAMF Diff Skid Recovery and Spares: Fullsize Spare Tire 2x2 gal Rotopax 1x1 gal Rotopax 1x1 gal Water Rotopax Warn 9.5XP-S Winch Hi-Lift Extreme 60" Ironman Off-Road Recovery Kit
    Yeah...Seems interesting that they forgave your rate increase and then waited over a year to drop you.
    But there isn't much you can do about it- and it's not worth fighting with them about it...Find a better company.
     
  6. Nov 27, 2010 at 5:07 PM
    #6
    mntbiker2008

    mntbiker2008 First I derp.. then I herp

    Joined:
    Dec 18, 2008
    Member:
    #11718
    Messages:
    8,172
    Gender:
    Male
    First Name:
    Aaron
    Cincinnati, OH
    Vehicle:
    93 Pick up 4x4 (sold), 10' Mazda 3
    seems like a bunch of crap. I would call them up and ask wtf is up. Get USAA! I have been with them since 16. Great rates/customer service and if I recall, they were offering anyone insurance. Usually it is just for military.
     
  7. Nov 27, 2010 at 8:02 PM
    #7
    ckeeton

    ckeeton [OP] Bazinga

    Joined:
    Sep 7, 2010
    Member:
    #42853
    Messages:
    1,550
    Gender:
    Male
    First Name:
    Chris
    Duluth, GA
    Vehicle:
    2011 DC Trd Sport Gray
    trd sport with avid off road light bar, avid rock sliders. OEM roof rack, 12' LED light bar, and Sock monkey decals.
    yeah just really weird since my parents have been with them for 29 years without any claims at all. going to call monday and see whats up. then move on from there i guess
     
  8. Nov 29, 2010 at 7:21 AM
    #8
    ckeeton

    ckeeton [OP] Bazinga

    Joined:
    Sep 7, 2010
    Member:
    #42853
    Messages:
    1,550
    Gender:
    Male
    First Name:
    Chris
    Duluth, GA
    Vehicle:
    2011 DC Trd Sport Gray
    trd sport with avid off road light bar, avid rock sliders. OEM roof rack, 12' LED light bar, and Sock monkey decals.
    and update on the situation, i called nationwide today and after some talking since we have been with them for 29 years without any claims or any other problems they will not be ending our insurance with them, but they said if i get into a wreck or another ticket then they will drop us. so looks like i'll be slowing down :turtleride:
     
  9. Nov 29, 2010 at 7:25 AM
    #9
    AndrewFalk

    AndrewFalk Science!

    Joined:
    May 8, 2010
    Member:
    #36740
    Messages:
    2,053
    Gender:
    Male
    The North East
    Vehicle:
    2010 5 speed 5 lug
    :)
    I would say fuck them. Even though they decided not to drop you, I still wouldn't want to deal with a company like that.
     
  10. Nov 29, 2010 at 7:44 AM
    #10
    90YotaPU

    90YotaPU The Messiah

    Joined:
    May 15, 2010
    Member:
    #37191
    Messages:
    3,069
    Gender:
    Male
    First Name:
    Mike
    Union County, NJ
    Vehicle:
    1990 Toyota 4x4 (Pre-Taco)
    Aftermarket Stereo, Spidertrax Wheel Spacers, HF Air Horns, 3" Lift
    Yea, I would leave them in a heartbeat. I just switched from Allstate to Liberty Mutual. Actually saving around 40%. Not sure when Allstate got so high cause I checked around about 2-3 years ago and they were still the cheapest for me.

    On a side note, I see you have a 2011 truck. Maybe you were sorta flying under the radar until they had to amend your policy for your new truck. I have no idea if it's accurate but it could be the case.
     
  11. Nov 29, 2010 at 9:03 AM
    #11
    ckeeton

    ckeeton [OP] Bazinga

    Joined:
    Sep 7, 2010
    Member:
    #42853
    Messages:
    1,550
    Gender:
    Male
    First Name:
    Chris
    Duluth, GA
    Vehicle:
    2011 DC Trd Sport Gray
    trd sport with avid off road light bar, avid rock sliders. OEM roof rack, 12' LED light bar, and Sock monkey decals.
    On a side note, I see you have a 2011 truck. Maybe you were sorta flying under the radar until they had to amend your policy for your new truck. I have no idea if it's accurate but it could be the case.[/QUOTE]

    yeah i was kinda wondering about that part. could have been that i made myself stand out with it.
     
  12. Nov 29, 2010 at 9:20 AM
    #12
    DEEVON911

    DEEVON911 Semi-Pro

    Joined:
    Apr 11, 2010
    Member:
    #35030
    Messages:
    14,937
    Gender:
    Male
    First Name:
    Dave
    Bethel Park, PA. Burb of da Burgh.
    Vehicle:
    2010 MGM Mostly Stock Off-Road 4x4
    TRD Cat-back Exhaust. Semi-Debadged. Trimmed down stock Antenna. Weathertech vent visors. TRD FJ Cruiser Center Cap Wheel Mod. 265/75/16 Firestone Destination A/T,s . Inverter tapped into for outlet in cab. Tacomaworld sticker which adds 5 hp.
    That happened to me when I was 18 or 19 yo. I was still iving at home on my parents insurance, and I bought a new car. I was considered "high risk" cause I had a few speeding tickets myself. I was ok untill I got a brand new car and tried to insure it with them, they said nope! Then I had to switch to my own and I was paying out the ass cause it was a co that delt with "high risk". Sucked.
     
  13. Nov 29, 2010 at 9:27 AM
    #13
    D13

    D13 Well-Known Member

    Joined:
    Nov 18, 2010
    Member:
    #46358
    Messages:
    364
    Gender:
    Male
    First Name:
    D
    Moving all the time
    Vehicle:
    08 TRD-OR
    Tinted windows, Plasti-dipped emblems (black), white 2011 grill w plasti derped white toyota emblem, Weathertech dontfits; Clarion HU, Hertz-165 Coax, Alpine 500w mono to 8" JL 3w3, Wet Okeles, CBI sliders, Eibach/5100's @0.85 in front, Dakar leaves and OME shocks in rear, Leer topper.
    If your family has had their policies with them for 29 years, You should deal with your local agent and not the 800 number.

    If the agent doesn't help you out, time for the family to find a new agent.


    I didn't get a rate change or ticket, but a few years ago the customer service of my agent of 7 years went to crap; found a new one immediately after a few issues that should have been handled better. Insurance is one thing, but having a good agent that is fighting for you makes a world of difference.
     
  14. Nov 29, 2010 at 10:05 AM
    #14
    BrettBretterson

    BrettBretterson Wild Ginger

    Joined:
    Apr 2, 2010
    Member:
    #34449
    Messages:
    1,115
    Gender:
    Male
    Bothell, WA
    Vehicle:
    06 DCSB TRD OR 4x4
    5100's
    I also have USAA and agree that they are the best provider out there. They still only offer insurance for military though, not for everyone, that hasn't changed.
     
  15. Nov 29, 2010 at 11:16 AM
    #15
    ckeeton

    ckeeton [OP] Bazinga

    Joined:
    Sep 7, 2010
    Member:
    #42853
    Messages:
    1,550
    Gender:
    Male
    First Name:
    Chris
    Duluth, GA
    Vehicle:
    2011 DC Trd Sport Gray
    trd sport with avid off road light bar, avid rock sliders. OEM roof rack, 12' LED light bar, and Sock monkey decals.
    yeah i was afraid i would have to end up paying the high risk factor and also being dropped normally adds some extra change too.


    yeah i called my our familys agent, i think thats why they made the choice to give a second chance.
     
  16. Nov 30, 2010 at 12:12 AM
    #16
    Toph

    Toph Addicted to V8s

    Joined:
    Feb 22, 2009
    Member:
    #13918
    Messages:
    898
    Gender:
    Male
    Dirty South
    Vehicle:
    90 Mustang Notch, 06 CTS-V
    You get what you pay for with insurance. I have State Farm until I get a better job...then it's Amica, Cincinnati or Chubb. USAA used to be good...but I've been unimpressed lately with how they handle their homeowners claims.
     
To Top