Honda Car Forum

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

"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.

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.

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.

"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.

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: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?

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?

"sharx35" <sharx35@hotmail.com> wrote in message
news:OZjhi.15170$tB5.6883@edtnps90...
>
> "Useful Info" <useful_inf@yahoo.com> wrote in message
> news:1183136989.659599.234450@n60g2000hse.googlegr oups.com...
>> *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.
>
> Is Erie aware of ALL the details of your driving record and of the driving
> records of ALL people who EVER have access to ANY of your vehicles?
>
> I thought not.

It doesn't matter...Insurance carriers only are concerned about the people
who live in the same household or are REGULAR operators of the vehicles.
And of course any insurance carrier reviews the driving records of all
operators within the 3 year experience period (up to 10 years for DUI's and
other major violations)