Insurance companies suck.
06-22-2012, 03:18 PM
#22
2nd Gear Member
Join Date: Aug 2010
Location: texas
Posts: 213
06-23-2012, 03:34 PM
#24
Join Date: Jun 2012
Location: North Carolina
Posts: 10
Oh...and although your driving record is a factor...some of you may want to consider moving. I was stationed in Arkansas and my rates were TWICE what they are in NC. The reason - AR has the 9th highest number of uninsured motorists on the road. I freaked when I transferred there and USAA readjusted my rates...no accidents, no tickets, just a new zip code....pow to the face. I'm glad to be back in NC....
06-23-2012, 05:48 PM
#25
2nd Gear Member
Thread Starter
Join Date: Jan 2012
Location: connecticut
Posts: 279
06-24-2012, 01:36 PM
#27
5th Gear Member
Join Date: Jul 2006
Location: GA
Posts: 3,015
Remember, you get what you pay for. What kind of limits are you guys maintaining? My wife is my agent and her office will not write below 100/200K... State law is generally 50/100k. It’s 2012, what’s the odds something is going to remain under the limits if something were to happen? Lawsuit to cover the remainder? Upping the limits is very cheap as well....Most agents do not recommend/promote because they commission is extremely low due to small premium increase and the risk of losing the client over a few bucks a month. Agents who promote higher deductibles generally care and are on your side, IMO.
06-25-2012, 11:32 AM
#28
2nd Gear Member
Thread Starter
Join Date: Jan 2012
Location: connecticut
Posts: 279
Remember, you get what you pay for. What kind of limits are you guys maintaining? My wife is my agent and her office will not write below 100/200K... State law is generally 50/100k. It’s 2012, what’s the odds something is going to remain under the limits if something were to happen? Lawsuit to cover the remainder? Upping the limits is very cheap as well....Most agents do not recommend/promote because they commission is extremely low due to small premium increase and the risk of losing the client over a few bucks a month. Agents who promote higher deductibles generally care and are on your side, IMO.
06-26-2012, 03:01 PM
#29
2nd Gear Member
Join Date: Apr 2010
Location: Kansas
Posts: 240
$730/6 mo for 300/300, 500 ded col and 250 ded comp for 2010 GT and a 2011 Prius. No accidents, no tickets. I could get by cheaper if I raised deductibles and lowered liability coverage but that would be penny-wise and pound foolish.
06-26-2012, 03:13 PM
#30
4th Gear Member
Join Date: Mar 2010
Location: louisiana
Posts: 1,362
Always..always..get tickets "fixed" if possible. Every two years or so I get a 10-15 over ticket..and pay traffic law center to fix it. I'm not telling you what my rate is as it will probably make you mad 
Moving to the burbs from the city and being over 35 helps though BTW, the 5.0 is about $100 cheaper per year than my old 4.0. Go figure. No accidents also..that obviously helps.
Moving to the burbs from the city and being over 35 helps though BTW, the 5.0 is about $100 cheaper per year than my old 4.0. Go figure. No accidents also..that obviously helps.