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post #1 of 39 (permalink) Old 02-13-2004, 01:17 PM Thread Starter
 
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Insurance Problems

Well guys, my trep has been in 2 accidents in the last month or so, both times insurance has been notified about it, although only 1 claim was made. They call today, and tell me that my insurance has gone up to 11025 a year :mg: and that those payments start march 1st :crazy: With a nice payment of 1000 bucks to start off. There is no way that I can afford this, as I am still making payments of 500 bucks for my intrepid.

Just wondering if any of you guys (or gals..) have any suggestions?

Cancell the insurance on it and park the car untill i can get caught up, and afford it?

Sell the car?

Dont know.. ?!?!?!



Thanks, travis.
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post #2 of 39 (permalink) Old 02-13-2004, 02:06 PM
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That sucks man. Thats the insurance way of "dropping you" without formally doing it. I would shop around for different insurance. If you cant find anything better... there really isnt much else you can do except sell the car and get something thats cheap to insure. Sucks hard. :(
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post #3 of 39 (permalink) Old 02-13-2004, 03:23 PM
 
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shop around, and find a new company, but do it before march 1
edit: i hope that is canadian, not american 11025, because i only pay $2400US a year, so 11000 seems quite a bit high
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post #4 of 39 (permalink) Old 02-13-2004, 03:49 PM
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Shop around. Check legislature. I had the same with me.

I pay only 2100 per year now for all the insurance goodies.
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post #5 of 39 (permalink) Old 02-13-2004, 04:11 PM
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OUCH man, and I thought MY insurance was high at $2500/year..................PC Insurance is cheaper by about $500............but I can't switch due to the fact I have 2 tickets Belair direct doesn't know about :(



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post #6 of 39 (permalink) Old 02-13-2004, 04:17 PM
 
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Holy Jesus, and I was pissed at having to pay $1600 CDN a year. I thought that was super expensive, but after seeing your guys' prices.....
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post #7 of 39 (permalink) Old 02-13-2004, 04:26 PM
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i pay close to 7000 US for 2 cars. somehow my dad has one major accident and his rate is lower than mine... with a perfect record. the great thing i realized is that it's much less to insure a new 300m than it is my trep... so one more reason to buy lol.
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post #8 of 39 (permalink) Old 02-13-2004, 05:05 PM
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I pay $1080/year for a 94 Intrepid ES and a 96 Saturn SL1, full coverage on both. (Under $90 USD/month)

I was going to buy my friends 1999 Audi A8 for $14,000.00, but the insurance would have kicked me up to $1700/year. Forget it!

Hardwarz

BTW, I use Progressive Insurance, I'm 31 y/o male with the following on my driving record:
2pts - Speeding
0pts - Parking Ticket
0pts - over $1000 no-fault claim

The Saturn's driver has a 2pt speeding ticket.

Oh yeah... DjPill, who's that on your avitar/icon?

Last edited by hardwarz; 02-13-2004 at 05:10 PM.
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post #9 of 39 (permalink) Old 02-13-2004, 05:23 PM
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Quote:
Originally posted by DjPiLL
That sucks man. Thats the insurance way of "dropping you" without formally doing it. I would shop around for different insurance. If you cant find anything better... there really isnt much else you can do except sell the car and get something thats cheap to insure. Sucks hard. :(
amen to that, although I don't think changing cars will make much difference most of that is most likely liability and car type has little effect on that price.
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post #10 of 39 (permalink) Old 02-13-2004, 05:31 PM
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Well I am turning 23 in 2 weeks. My brother is paying less for RX-8 and an Isuzu Trooper.

Does your friend still own the AUDI?

Quote:
Originally posted by hardwarz
I pay $1080/year for a 94 Intrepid ES and a 96 Saturn SL1, full coverage on both. (Under $90 USD/month)

I was going to buy my friends 1999 Audi A8 for $14,000.00, but the insurance would have kicked me up to $1700/year. Forget it!

Hardwarz

BTW, I use Progressive Insurance, I'm 31 y/o male with the following on my driving record:
2pts - Speeding
0pts - Parking Ticket
0pts - over $1000 no-fault claim

The Saturn's driver has a 2pt speeding ticket.

Oh yeah... DjPill, who's that on your avitar/icon?
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post #11 of 39 (permalink) Old 02-13-2004, 05:44 PM
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Age IS a definate factor. What you can do, with the help of an obliging agent, is to play "Insurance Company Roulette." What you do is take out a policy and don't tell the company about the accidents. You will get a good rate until they find out about the accidents (and they WILL), and then switch to another company. You end up switching companies every three months or so, and it sucks, but I remember having to do the same once when I was younger.
The other alternative is to put the car in someone elses name, but you are taking your chances with that, especially seeing as the car is not paid for.
Maybe you should just park it and take the bus...
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post #12 of 39 (permalink) Old 02-13-2004, 05:48 PM
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Quote:
Originally posted by bongobobny
Age IS a definate factor. What you can do, with the help of an obliging agent, is to play "Insurance Company Roulette." What you do is take out a policy and don't tell the company about the accidents. You will get a good rate until they find out about the accidents (and they WILL), and then switch to another company. You end up switching companies every three months or so, and it sucks, but I remember having to do the same once when I was younger.
The other alternative is to put the car in someone elses name, but you are taking your chances with that, especially seeing as the car is not paid for.
Maybe you should just park it and take the bus...
Bad ideas. Will do more damage then good.

Just go to other companies. Tell only about the claim. Also if it was not your fault. Make sure you mean it.
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post #13 of 39 (permalink) Old 02-13-2004, 06:25 PM
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yea, my dad's record carried over to allstate when i switched from progressive. things go off your record after about 3 years, so if you drive well for a while you're all set. the cool thing is they can't raise rates during the middle of a policy term and they can't raise rates due to comprehensive claims. i was talking to my agent the other day and it turns out he's not an asshole and is really cool. the type of car you drive does make a difference because of a few factors. i was told this last time i was shopping for a car. a large car or suv will have (generally) higher liability rates and lesser collision rates because it will damage other cars more and not sustain much damage in accidents. i was told that a volvo "was built like a tank" and that since it was not a huge car they have lower liability and ridiculously low collision and comp (anti-theft devices standard). usually the car can swing you up to a thousand either way, usually a lot less. it's mainly your age and driving record. you can't put your car under someone else's name cause they have to be insured by the owner, and if you did that, you'd have to be an approved driver on the policy so you wouldn't see the benefits in the rates anyway.
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post #14 of 39 (permalink) Old 02-16-2004, 11:05 AM
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Quote:
Originally posted by CEHE4KA
Does your friend still own the AUDI?
Yeah, he does... I should have bought the Navigator off him instead. He wanted $14,000.00 for that too.

He's offering his 67 Mustang convertable (black top on blue body) for $10,000.00. All original, in great condition.

My friend isn't hard up for the money either... He owns a 50 rental units and a bar.

Hardwarz
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post #15 of 39 (permalink) Old 02-16-2004, 11:06 AM
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aaa.... I so want one... no both...

I need a new job.

Quote:
Originally posted by hardwarz
Yeah, he does... I should have bought the Navigator off him instead. He wanted $14,000.00 for that too.

He's offering his 67 Mustang convertable (black top on blue body) for $10,000.00. All original, in great condition.

My friend isn't hard up for the money either... He owns a 50 rental units and a bar.

Hardwarz
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