oops, guess I don't have car insurance anymore.

Somewhere along the car swap process that I engaged in this summer my premiums went up (ever so slightly it seems). Since I only pay my insurance six months at a time, I really wasn't expecting a bill. As I'm also renovating my home office I've been letting the bills and junk mail stack up on a table and haven't really been looking through them. Today I found a cancellation notice from early last week due to me not paying $27 on my car insurance. Yes, they actually canceled my $1,300 and change multi car policy over $27.

Yeah, it's my fault for being lazy and not reading all of my mail. However, I hope my agent is happy now that he's given me the incentive to shop around again.

Not to start a E36m3storm over this argument that has been beaten to death worse than a spider under a shoe, but I really hate Car ins premiums. I pay and pay and pay, get little/nothing for YEARS at a time, Ohio MANDATES that I have it, and when I do need it, the hoops I must jump thru make a circus dog cringe. Ridiculous

I want to be in an industry that pays off politicians to pass laws requiring the public to buy my product. For the children.

Find one where you can walk into a front door and get face to face service. My local agent was identified on their website as one that provides "An Outstanding Customer Experience" and I'd completely agree. Even though its the actual insurance company that identified him this way, I'd say look for something similar.

Dr. Hess wrote: I want to be in an industry that pays off politicians to pass laws requiring the public to buy my product. For the children.

What have you heard (eyes-narrow)? Speak directly into the corsage please.

4cylndrfury wrote: Not to start a E36m3storm over this argument that has been beaten to death worse than a spider under a shoe, but I really hate Car ins premiums. I pay and pay and pay, get little/nothing for YEARS at a time, Ohio MANDATES that I have it, and when I do need it, the hoops I must jump thru make a circus dog cringe. Ridiculous

While I agree with your sentiment, there is a way out. You can self insure. Gotta have money, but it's an option for those who have it.

Dr. Hess wrote: I want to be in an industry that pays off politicians to pass laws requiring the public to buy my product. For the children.

As someone in the health care industry, it appears your life is about to change.

In New York when your insurance lapses, you owe them $8/day for every day you are without coverage. I'm sure there's a well thought out, logical reason for this.

Dan

4cylndrfury wrote: Not to start a E36m3storm over this argument that has been beaten to death worse than a spider under a shoe, but I really hate Car ins premiums. I pay and pay and pay, get little/nothing for YEARS at a time, Ohio MANDATES that I have it, and when I do need it, the hoops I must jump thru make a circus dog cringe. Ridiculous

That's nothing; I've been paying about 1K per year forever and haven't had an accident since 1977. Could have bought a Ferrari for what I've paid out in insurance.

RossD wrote: Find one where you can walk into a front door and get face to face service. My local agent was identified on their website as one that provides "An Outstanding Customer Experience" and I'd completely agree. Even though its the actual insurance company that identified him this way, I'd say look for something similar.

It is a local agent. And he's a nice guy. His assistant or whatever wants me to drive there and sign some paperwork stating that I did, in fact, not die in a fiery auto accident when I was uninsured and that I won't make any claims to have damaged my car in said period. Just to be a dick I made her confirm over the phone that she wanted me to drive there illegally and completely un-insured. She said, "Don't be ridiculous, we're just down the street."

It's OK to drive without insurance as long as you aren't going very far I suppose... I'd better be drunk too, just in case.

skruffy wrote: Just to be a dick I made her confirm over the phone that she wanted me to drive there illegally and completely un-insured. She said, "Don't be ridiculous, we're just down the street." It's OK to drive without insurance as long as you aren't going very far I suppose... I'd better be drunk too, just in case.

funny

I have full insurance on my Audi and just liability on my Cherokee and pay less than $500 every six months. (Single, 27, homeowners insurance through same company.)

In Virginia, you can have your insurance company send a renewal notice to an old address (3 address' old, two years old), and when you don't renew, the state makes you pay a $500+ fine, and slaps your driving record with an SR-22. This puts you into a high risk driver's pool, along with the DUI folks. Yeah, my agent heard about it from me, but said "there's nothing I can do". I'll never buy from that company again. Ever.

Yeah, well, Dan, I'm happy to say that while I am a licensed physician, my income comes from you people drinking cheap soda pop. So, what I need to do is buy me a congress critter or two, (they go for fifty large, I hear), and have them pass a law mandating every person in America purchase a minimum of one twelve pack cans of cheap soda pop every week. For the children. Those in lower income brackets will receive Soda Stamp Offsets "to help poor people." Rich people (defined as anyone that has an actual job) may be required to purchase one 12 pack cans and one 12 pack 20 oz PET. For the children. To support free enterprise and the American Way, the flavor choice will be left up to the consumer. At this time.

Scruffy, I'd call them up and say "WTF? You want my money or not? I'll send you $27."

jstein77 wrote: That's nothing; I've been paying about 1K per year forever and haven't had an accident since 1977. Could have bought a Ferrari for what I've paid out in insurance.

But it could be the other way. My car insurance bill ($400) just came today and I will make sure it gets paid (electronically)tonight. I have been with this company for 20 years and according to my calculations I am still about 35K ahead.

Dr. Hess - my wife drinks 2L+ each day. I think you must owe me something for all that...

The $8/day in NY goes in part to fund MVAIC the quasi-public insurance company that steps up and pays you when the uninsured hit you. It's a Good Thing one of the only State-associated entities I've ever come across that's actually beneficial to the citizens of the State.

Dr. Hess wrote: Yeah, well, Dan, I'm happy to say that while I am a licensed physician, my income comes from you people drinking cheap soda pop. So, what I need to do is buy me a congress critter or two, (they go for fifty large, I hear), and have them pass a law mandating every person in America purchase a minimum of one twelve pack cans of cheap soda pop every week. For the children. Those in lower income brackets will receive Soda Stamp Offsets "to help poor people." Rich people (defined as anyone that has an actual job) may be required to purchase one 12 pack cans and one 12 pack 20 oz PET. For the children. To support free enterprise and the American Way, the flavor choice will be left up to the consumer. At this time.

I like this stuff better. I buy it by the case at Costco.

http://www.izze.com/#

In reply to Hal:

That does not make me feel any better.

Hey pigeon, My Loti thank your wife. My Harley's thank your wife. President Obama's Department of Education thanks your wife. The State of Texas thanks your wife. The State of Arkansas thanks your wife. Bank of America thanks your wife. Without her contribution, many people would have to get jobs.

My total insurance bill on 2 drivers and 7 vehicles, three of which have comprehensive is about $1200/yr with Geico. Oh, and Geico thanks your wife too.

Dr. Hess wrote: Hey pigeon, My Loti thank your wife. My Harley's thank your wife. President Obama's Department of Education thanks your wife. The State of Texas thanks your wife. The State of Arkansas thanks your wife. Bank of America thanks your wife. Without her contribution, many people would have to get jobs. My total insurance bill on 2 drivers and 7 vehicles, three of which have comprehensive is about $1200/yr with Geico. Oh, and Geico thanks your wife too.

How old are you Hess? That's not bad for insurance.

2 of us, 2 miatas with full coverage and 2 escorts with comprehensive is more like $2200!

Joey

Lets just say the same as Tim and Margie. But I distinctly recall when I turned 26 that my insurance rates didn't drop. I asked and the reply was that's just what we tell people, tough. Anyway, I've had Geico for maybe 15 years now. I've had a couple of claims (damn F150's, damn Roadmasters, neither a match for a Toyota). We're probably about even. Arkansas is also a lower insurance district than say, New York or (shudder) New Jersey.

Same as Tim and Margie? I'm not sure about Tim, but Margie can't be over 27.

I'm going to be thirty in a week, but my wife is 27, I wonder if our rates will change.

Joey

25, single, NY and just about every bit of coverage I can scrounge up for one car thrue state farm totals aprox. $800/year. And this includes my "talk" with my agent of "one more claim and you are dropped"

two cars, 2 points, 1200 a year at age 39 in NJ for liability only on those cars

Wow!

I'm 22 and pay ~$950 a year for 100/300, comp and collision, on my WRX.

Then again, USAA discounts me that massive $46 because the WRX protects it's passengers so well!

I've been with Encompass for about 8 years. full coverage on two cars and the house for $1300 with high coverage on everything. After they dropped about $80.000 on my accident they didn't raise my rates because it was my first claim, and they paid everything quickly and without a problem. I only had to pay one bill out of pocket for meds and they sent a check three days later.