Car insurance amazes me

AkursedX · Post by **AkursedX** » Fri Feb 23, 2007 3:06 pm

Well I needed to get my Fiero insured again so I decided to shop for car insurance. I have been a State Farm customer for the past 7 years (Since I was 19). I have never had an accident so I can't really make an opinon about their service. Prices on the other hand, I felt was pretty high.

So the long story short of it is that I switched to Progressive, increased my liability from 100/300 to 250/500, added my Fiero and a couple other small changes and I am now paying $26 LESS per month that what I was paying!

One thing that made me feel great is that they showed how they used my credit report and I had scored better than 98% of their customers. So needless to say, I am happy about the switch, and hopefully, like with State Farm, I will never have to know what their handling of claims is like.

Falcon4 · Post by **Falcon4** » Fri Feb 23, 2007 4:01 pm

Hah. It was because of my accident, wasn't it. Yeah, Progressive kicks ass. :salute:

How much are you paying anyway? FWIW my insurance actually went down after my accident - by 2 cents a month, but down none the less. :thumbleft:

p8ntman442 · Post by **p8ntman442** » Fri Feb 23, 2007 4:45 pm

im 24 my gf is 20 we have the v6 fiero and her 4dr ford escort liablity+ little more, but nothing great on both through progressive, we pay ~150/mo

p8ntman442 · Post by **p8ntman442** » Fri Feb 23, 2007 4:47 pm

My friend in school had state farm, and got hit by a car with state farm, and got royally screwed.

Falcon4 · Post by **Falcon4** » Fri Feb 23, 2007 4:49 pm

p8ntman442 wrote:im 24 my gf is 20 we have the v6 fiero and her 4dr ford escort liablity+ little more, but nothing great on both through progressive, we pay ~150/mo

Holy fucknuggets, I thought I was getting screwed. Like $78/month here for my Fiero. :scratch:

Series8217 · Post by **Series8217** » Fri Feb 23, 2007 4:50 pm

Falcon4 wrote:
p8ntman442 wrote:im 24 my gf is 20 we have the v6 fiero and her 4dr ford escort liablity+ little more, but nothing great on both through progressive, we pay ~150/mo
Holy fucknuggets, I thought I was getting screwed. Like $78/month here for my Fiero. :scratch:

Let's see $78/month for one car... so two cars that would be 2*$78 which is, oh hey, roughly 150/mo. You can't do math? He's paying as much as you are. Or am I inferring an italicized "I" in "thought I was getting screwed" and there isnt one?

stimpy · Post by **stimpy** » Fri Feb 23, 2007 6:10 pm

I've had Progressive for 7 years now, and have had a few claims. No matter what when you get in an accident, have Progressive handle your claim if they are your insurer, not the other guy. I've only had one unpeasant experience, dealing with a claims rep who shuffled my paperwork to the bottem of her stack for a bit longer then I deemed necessary. Also they counte an accident where I got rear ended as being my fault, and increased my premiums. It was over a year before I discovered it, but once I brought it to their attention they were quick to correct it and credit our account. Compared to horror stories from other companies, it was no problem.

AkursedX · Post by **AkursedX** » Fri Feb 23, 2007 6:14 pm

I have 3 cars insured:

Jetta-full comprehensive and collision $500 deductables
Mustang and Fiero are both liability.

I now pay $170/month for the three. 26 years old, clean driving record.

84fierotrevor · Post by **84fierotrevor** » Fri Feb 23, 2007 6:31 pm

I had progressive, I never will again, I had insurance on my srt-4 I was paying 650 dollars a month for full covrage on my srt-4. I got hit, I called progressive second I was hit and they said they would take care of it.

get a call back few days later saying my claim is denyed, I asked why? they said I had not paid. I had autodraft on where each month they take my money out of my account. automaticly.

well for some reason they did not remove the money. I had well over 3 thousand in the account. no holds, nothing on it, I contacted the bank they said no one ever tried to remove any money, progressive never attempted to take out the 650 for insurance that month. I never got a note from progressive saying my service was cancled, I never got a phone call, I never got anything, everything was fine.

I called progressive back, sent them the info, from my bank, even had them call and talk directly to my bank, they said it must have been in internal error and would investiagte it, and untell it was solved my car could not be fixed. called em every week for 3 months, same thing, still investigating it. at the end of the 3 months, the other insurance company contacted me and said I had to pay for the lady who hit me bumper, and that my claim was denyed, I called progressive and they said that they denied my claim, i asked why, they said due to non payment, I told them i was on autodraft and they where supposed to take the payment out, they said they where aware of that, and do not have a explination as to why it was not removed, but that my claim was still denied.

found out looking onlin that progressive doesn't cover alot of claims it should, and gets out of any they can, to keep there insurance prices lower, there is also a class action lawsuit against them for unpaid claims.

fuck progressive

my girlfriends sister works for an insurance company, that can get all typs of car insurance, she said the worst two are mercury and progressive, and that the best one, is triple A. she has seen alot of bullshit go on with progressive and mercury. and while triple A costs more, well you get what you pay for.

Falcon4 · Post by **Falcon4** » Fri Feb 23, 2007 6:36 pm

Any insurance company that says I'm 0% responsible for my car spinning out on the freeway and having some jackass slam into me is A-OK in my book. :thumbleft:

Shaun41178(2) · Post by **Shaun41178(2)** » Fri Feb 23, 2007 6:38 pm

I have progressive, clean driving record, with the minimum amount of liablity. I think I pay around $35/mth.

Never had to file a claim with them though so not sure if I woudl get screwed or not.

84fierotrevor · Post by **84fierotrevor** » Fri Feb 23, 2007 6:43 pm

Shaun41178(2) wrote:I have progressive, clean driving record, with the minimum amount of liablity. I think I pay around $35/mth.

Never had to file a claim with them though so not sure if I woudl get screwed or not.

at least you drive a fiero. if they don't cover u ur back in for 1000 bucks.

my srt-4 was gonna cost me 6500-7500 to fix. its why I don't have it anymore

i cancled progressive with my sportbike insurance when they did that to me. fuckers, everytime I see there little suv's with progressive stickers on em. I wanna run into there asses, and watch them refuse to cover themselves.

Dirty Sanchez · Post by **Dirty Sanchez** » Sat Feb 24, 2007 12:41 pm

I pay $92 a month for my '87 Fiero and my wife's 2004 Subaru Outback wagon.

Xanth · Post by **Xanth** » Sat Feb 24, 2007 12:44 pm

I have liberty mutual, and pay about $150 a month for my 89 Honda, even with a good driving record. Mass insurance laws are pretty much the suck :la:

Kohburn · Post by **Kohburn** » Sat Feb 24, 2007 1:03 pm

i've switch back and forth from statefarm to progressive a few times depending on location one or the other is usually cheaper for me.

but then again I expect to get 1-2 tickets a year and have full coverage on 3 cars (with $100 deductable)
1999 legacy gt limited
2000 grand prix gtp
1994 dodge dakota

and pay about 220 a month

Unsafe At Any Speed · Post by **Unsafe At Any Speed** » Sat Feb 24, 2007 2:17 pm

I used to be on my parents policy before I turned 18. I think it was State Farm. And even with multi-car and everything, the Fiero cost me $125 a month. When I got my Blazer I switched to Geico and now pay about $80 a month for the Fiero and Blazer. Liability only. I'll probably switch to USAA soon though.

V8Mikie · Post by **V8Mikie** » Sat Feb 24, 2007 2:28 pm

You guys are lucky you live in middle of nowhere-ville. My fiance's car in Baltimore city was $205 a month, its a newer Altima V6 and she has no tickets/1 accident. Using my address, only a few miles over the city line, dropped it to around $110/month. Still high but not as bad as it was.

scrabblegod · Post by **scrabblegod** » Sat Feb 24, 2007 3:51 pm

1992 Allante full coverage
1987 V-8 Fiero liability
1991 S10 Blazer liability
1963 V-8 MG liability
1993 F150 liability

2 drivers

178.00 a month at State Farm

Gene

Post by **eHoward** » Sat Feb 24, 2007 6:16 pm

just under 2k/year on my 05 Legacy GT.

Kohburn · Post by **Kohburn** » Sun Feb 25, 2007 11:51 am

V8Mikie wrote:You guys are lucky you live in middle of nowhere-ville. My fiance's car in Baltimore city was $205 a month, its a newer Altima V6 and she has no tickets/1 accident. Using my address, only a few miles over the city line, dropped it to around $110/month. Still high but not as bad as it was.

i live in the dc metro area and used to live in middle river (baltimore)