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vehicle insurance

Discussion in 'Off-Topic Discussion' started by tacoma08MZ, Feb 4, 2009.

  1. Feb 4, 2009 at 4:29 PM
    #1
    tacoma08MZ

    tacoma08MZ [OP] Well-Known Member

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    Levi
    Pittsburgh, PA
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    2008 Access Cab 4x4
    tinted head/tail lights-blacked out badges-3 inch tuff country lift 33 inch nittos-black steelies custom spare bed mount-hilift-weathertechs-kenwood dnx5120 dvdnav headunit-remote start-painted grille surround-fog lights-grillcraft black mesh grille
    Just wondering who you guys have your insurance through and your experiences with these companys, i have state farm and i think im paying WAY to much a month, then i just opened my bill and it went up 11 more dollars, im getting fed up and gonna look into switching companys with some suggestions from the audience!
     
  2. Feb 4, 2009 at 4:34 PM
    #2
    jaws revenge

    jaws revenge Well-Known Member

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    i have state farm. but in my experience, state farm as a standalone is not the least expensive. for example, state farm doesn't offer a discount for having a car alarm. but if you have multiple coverage; e.g., home and auto and more, state farm is competative. so is geico actually. personally, i'd avoid brokers like progressive, which is basically like lending tree. why did you bill go up?
     
  3. Feb 4, 2009 at 4:35 PM
    #3
    Jester243

    Jester243 mod status????

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    Dan
    Spokane, WA
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    2016 Trail Premium 4Runner w/ KDSS
    I am with state farm and have been since I got my learners permit. My wife had I think Farmers when we met and they were at least 1/3 more than I was paying. Have you called talked to your insurance agent and gone over your plicy with them? Sometimes there are additional discounts they "somehow" missed origianlly. If not it never hurts to show around a bit. I have both cars, two motorcycles and our house insured, that helps as well as my wife and I both over 30 years old now with clean driving records.
     
  4. Feb 4, 2009 at 4:38 PM
    #4
    tacoma08MZ

    tacoma08MZ [OP] Well-Known Member

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    Levi
    Pittsburgh, PA
    Vehicle:
    2008 Access Cab 4x4
    tinted head/tail lights-blacked out badges-3 inch tuff country lift 33 inch nittos-black steelies custom spare bed mount-hilift-weathertechs-kenwood dnx5120 dvdnav headunit-remote start-painted grille surround-fog lights-grillcraft black mesh grille
    heres what it says.
    rates have been changed
    renewal premium changed
    change of vehicle rating group
    vehicle safety discount changed

    ....what?!?!? pissin me off!
     
  5. Feb 4, 2009 at 4:39 PM
    #5
    tacoma08MZ

    tacoma08MZ [OP] Well-Known Member

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    Levi
    Pittsburgh, PA
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    2008 Access Cab 4x4
    tinted head/tail lights-blacked out badges-3 inch tuff country lift 33 inch nittos-black steelies custom spare bed mount-hilift-weathertechs-kenwood dnx5120 dvdnav headunit-remote start-painted grille surround-fog lights-grillcraft black mesh grille
    no i havent got a chance to call yet i just got my bill today so ill see what i can do
     
  6. Feb 4, 2009 at 4:39 PM
    #6
    Jester243

    Jester243 mod status????

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    Spokane, WA
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    Vehicle safety discount changed? Did you have anything like an introductory rate, so did you recently sign with them in like the last 6 months to a year? I would be calling my agent for a little face to face time and go over the policy to explain the changes.
     
  7. Feb 4, 2009 at 4:39 PM
    #7
    Delmarva

    Delmarva Mayor of TW

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    Tucson, AZ
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    Nada, Zip, Zilch, Nothing
    I have Geico -- not too bad price wise... :thumbsup:
     
  8. Feb 4, 2009 at 4:40 PM
    #8
    Jester243

    Jester243 mod status????

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    is it only on the vehicles?
     
  9. Feb 4, 2009 at 4:42 PM
    #9
    tacoma08MZ

    tacoma08MZ [OP] Well-Known Member

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    Levi
    Pittsburgh, PA
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    2008 Access Cab 4x4
    tinted head/tail lights-blacked out badges-3 inch tuff country lift 33 inch nittos-black steelies custom spare bed mount-hilift-weathertechs-kenwood dnx5120 dvdnav headunit-remote start-painted grille surround-fog lights-grillcraft black mesh grille
    nope ive been with them for about 4 years now since the day i got my permit
     
  10. Feb 4, 2009 at 4:45 PM
    #10
    AK27

    AK27 Well-Known Member

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    i have state farm, my truck, wifes car, house, and 2 life insurances and they offered me the best rates
     
  11. Feb 4, 2009 at 4:46 PM
    #11
    Jester243

    Jester243 mod status????

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    Spokane, WA
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    I just noticed you are 19 yearls old, that can play into it sometimes if they change how they rate younger drivers. Still crappy that they did not include a difinitive reasoning for the rate chages. Good luck to you!! :)
     
  12. Feb 4, 2009 at 4:47 PM
    #12
    Delmarva

    Delmarva Mayor of TW

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    Tucson, AZ
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    Nada, Zip, Zilch, Nothing
    yup... 3 vehicles...

    they did my renters insurance a few years ago as well...

    keep trying to switch to USAA, but they're always 300 bucks more expensive...
     
  13. Feb 4, 2009 at 4:48 PM
    #13
    AK27

    AK27 Well-Known Member

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    when i was 18 with my first car i was paying $460+ a month and now (23) i pay just over $100. hell of a difference for only 5 years and that includes a speeding ticket
     
  14. Feb 4, 2009 at 4:48 PM
    #14
    tacoma08MZ

    tacoma08MZ [OP] Well-Known Member

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    Levi
    Pittsburgh, PA
    Vehicle:
    2008 Access Cab 4x4
    tinted head/tail lights-blacked out badges-3 inch tuff country lift 33 inch nittos-black steelies custom spare bed mount-hilift-weathertechs-kenwood dnx5120 dvdnav headunit-remote start-painted grille surround-fog lights-grillcraft black mesh grille
    yea i def know that has alot to do with me paying what i do a month but i still think its alot, and yea id like an explanation ill have to make some phone calls
     
  15. Feb 4, 2009 at 4:49 PM
    #15
    tacoma08MZ

    tacoma08MZ [OP] Well-Known Member

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    Levi
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    2008 Access Cab 4x4
    tinted head/tail lights-blacked out badges-3 inch tuff country lift 33 inch nittos-black steelies custom spare bed mount-hilift-weathertechs-kenwood dnx5120 dvdnav headunit-remote start-painted grille surround-fog lights-grillcraft black mesh grille
    holy shit, im paying 250$ a month, i thought that was alot...
     
  16. Feb 4, 2009 at 4:49 PM
    #16
    genxer36

    genxer36 Lord of Tomfoolery

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    Tow package, XM Satellite radio, K & N Air filter, & Channel Vent Visors
    I have Metlife through work. I think I pay around $450 every 6 months for full coverage. I had Gieco & was paying $700 every 6 months.

    When an insurance company raises my rates I dump them & move to a new company. A secret about insurance companies(I worked for one). They offer very low rates to new customers. But as you stay with them, they gradually raise your rates. They know that most people will just pay it & assume it is because everything else goes up. If you are constantly checking rates & switching every year or two, there is the possibility to save some big money.:D
     
  17. Feb 4, 2009 at 4:50 PM
    #17
    Delmarva

    Delmarva Mayor of TW

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    Nada, Zip, Zilch, Nothing
    ^^
    When its renewal time, I always shop around... Geico ends up the winner... been like that for 6 years now... lol
     
  18. Feb 4, 2009 at 4:54 PM
    #18
    ImpulseRed008

    ImpulseRed008 Gone But Not Forgotten

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    I've got USAA. Switched to them 8 or 9 years ago. My premium dropped almost in half from what I was paying to Geico. Geico was cheaper than State Farm - which I got when I got back from England. Don't remember what I had over there.... Every year or so, they call and go over what I have versus what I need and adjust accordingly.
     
  19. Feb 4, 2009 at 5:01 PM
    #19
    Delmarva

    Delmarva Mayor of TW

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    Nada, Zip, Zilch, Nothing
    damn... I can't get their rates down enough to justify switching from Geico... :(

    I love banking w/them... and would like my insurance there too...
     
  20. Feb 4, 2009 at 5:08 PM
    #20
    JimmyCrackCorn

    JimmyCrackCorn Atlanta Falcons

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    Insurance? Who the hell wastes money on fucking insurance? I got better things to waste my hard earned money on!!!! :mad::mad::mad:
     
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