Car Insurance - Page 2

Weird Harold · 08-23-2007, 02:51 PM

Yes I do make more than $1,000 a year with them.

To what LabRat said about you can take public transportation, etc. Yeah right!, but actually I think you just have to have the means to pay a claim, so if you are a millionaire, you don't legally need liability insurance. Not a possibility for most of us, and if the millionaire is smart, he won't risk loosing it all, since the premium is pocket change to him. Correct me if I'm wrong.

Also forgot to mention that my van is on a separate commercial policy than my wife's car, and my clown car. My brother in law is also a carpet installer, with a commercial policy. When his son turned 16, and got his licence it didn't cost one dime more to put him on the policy, as long as he was driving a truck, van, or mini van. So I've got something to look forward to.

xoxoxoBruce · 08-23-2007, 04:53 PM

Quote:

Originally Posted by Weird Harold

Not a possibility for most of us, and if the millionaire is smart, he won't risk loosing it all, since the premium is pocket change to him. Correct me if I'm wrong.

There's a pretty good chance that millionaire is going to find a way to write it off, also.

Like this millionaire?

08-23-2007, 05:52 PM

NJ's insurance issues stem from the government letting the people pass insanely stupid laws that ran any decent insurance company out of that state.
Unlimited liability payouts for ANY injury? The state and anyone who voted for it deserved what they got.

Auto insurance is just the many taking the hit for the few, nothing more. It is the closest thing to an altruistic business model as I can think of. Especially those that are owned by the policy holders who get dividends.
People bitch until they need it, then most want to try to cheat the system and make money off of their accident. Joke.

In most states you can self-bond and insure yourself for as little as K.
Once explained what this means, actually taking the RISK yourself, suddenly the auto insurance industry does not sound so corrupt to those idiots.

minnmirman · 08-23-2007, 06:09 PM

yeah i insure through progressive, and after my first 6 month period my premium went from 110/month to 140/month for no apparent reason. When I asked why my insurance went from 110/month to 140/month for no apparent reason, they said that this is common for new customers. When I said that I had not asked whether or not it was common for the premium to go up for newer customers, they would not give me any further explanation. .......

08-23-2007, 06:13 PM

They lied to you, there was a reason. They probably ran the MVR and CLUR later, which they should have done when they wrote the policy, or you came in just before a rate change and the person you talked to was just too chicken-shit to tell it to you straight.
The company I was with, at leas all the sups. I was with were very good about telling us to tell everyone the truth.
Rate increases happen and, usually for good reasons, if explained properly people usually are ok with them.

There are so many reasons for rate increases it is not even funny, however being with a company for a period of time is NOT one of them... usually if you are with a company for a while your rate goes DOWN.
Don't get me started on Progressive. That lie they tout about giving rates for other companies pisses me off, it is impossible to do.

minnmirman · 08-23-2007, 09:04 PM

Those bastards! When I was young(arguably still am...are?) they took advantage of my vulnerability and youth! ill show them!!

yesman065 · 08-23-2007, 09:28 PM

Progressives market niche is those who are termed "high risk" to a standard insurer. Anyone who is not in that class WILL PAY MORE to be insured through them. Use them to get 6 to 12 months of continual coverage then switch to another carrier. You will virtually always pay less.

BrianR · 08-31-2007, 07:48 AM

I've used The Lizard for about twelve years now and have had no problems. No claims either. I guess the true test of a policy and company is when you have a claim.

ANY insurance company will TAKE your money but some are not so good at giving it back.

Never get me started on Homeowners' Insurance.

yesman065 · 09-01-2007, 12:39 AM

What if I ask real nice and say please?

queequeger · 09-01-2007, 01:26 AM

How does one embed a video? I tried just pasting the youtube activeX code and it didn't work.

09-01-2007, 02:50 AM

Quote:

Originally Posted by yesman065

Progressives market niche is those who are termed "high risk" to a standard insurer. Anyone who is not in that class WILL PAY MORE to be insured through them. Use them to get 6 to 12 months of continual coverage then switch to another carrier. You will virtually always pay less.

Depends on the state, they do underwrite standard in some states.

yesman065 · 09-01-2007, 12:05 PM

They are listed as a "standard carrier", but they are typically more expensive than the majority of carriers. Primarily because they cater to those with less than stellar records or less driving experience - those people other carriers won't insure.

08-23-2007, 02:51 PM	#16
Weird Harold Vice-President of Resentment Join Date: Apr 2007 Location: Central Illinois Posts: 199	Yes I do make more than $1,000 a year with them. To what LabRat said about you can take public transportation, etc. Yeah right!, but actually I think you just have to have the means to pay a claim, so if you are a millionaire, you don't legally need liability insurance. Not a possibility for most of us, and if the millionaire is smart, he won't risk loosing it all, since the premium is pocket change to him. Correct me if I'm wrong. Also forgot to mention that my van is on a separate commercial policy than my wife's car, and my clown car. My brother in law is also a carpet installer, with a commercial policy. When his son turned 16, and got his licence it didn't cost one dime more to put him on the policy, as long as he was driving a truck, van, or mini van. So I've got something to look forward to. __________________ I don't need a whole lottsa money. I don't need a big fine car.

08-31-2007, 07:48 AM	#23
BrianR Cleverly disguised as a responsible adult Join Date: Jan 2001 Location: Dallas, TX Posts: 3,338	I've used The Lizard for about twelve years now and have had no problems. No claims either. I guess the true test of a policy and company is when you have a claim. ANY insurance company will TAKE your money but some are not so good at giving it back. Never get me started on Homeowners' Insurance. __________________ Never be afraid to tell the world who you are. -- Anonymous

09-01-2007, 01:26 AM	#25
queequeger Hypercharismatic Telepathical Knight Join Date: Aug 2007 Location: The armpit of the Universe... Augusta, GA Posts: 365	How does one embed a video? I tried just pasting the youtube activeX code and it didn't work. __________________ Hoocha, hoocha, hoocha... lobster. Last edited by xoxoxoBruce; 09-02-2007 at 04:27 AM.

08-23-2007, 05:52 PM	#18
rkzenrage Guest Posts: n/a	NJ's insurance issues stem from the government letting the people pass insanely stupid laws that ran any decent insurance company out of that state. Unlimited liability payouts for ANY injury? The state and anyone who voted for it deserved what they got. Auto insurance is just the many taking the hit for the few, nothing more. It is the closest thing to an altruistic business model as I can think of. Especially those that are owned by the policy holders who get dividends. People bitch until they need it, then most want to try to cheat the system and make money off of their accident. Joke. In most states you can self-bond and insure yourself for as little as K. Once explained what this means, actually taking the RISK yourself, suddenly the auto insurance industry does not sound so corrupt to those idiots.

08-23-2007, 06:09 PM	#19
minnmirman noob Join Date: Aug 2007 Location: Seymour WI/Ft Campbell KY Posts: 43	yeah i insure through progressive, and after my first 6 month period my premium went from 110/month to 140/month for no apparent reason. When I asked why my insurance went from 110/month to 140/month for no apparent reason, they said that this is common for new customers. When I said that I had not asked whether or not it was common for the premium to go up for newer customers, they would not give me any further explanation. .......

08-23-2007, 06:13 PM	#20
rkzenrage Guest Posts: n/a	They lied to you, there was a reason. They probably ran the MVR and CLUR later, which they should have done when they wrote the policy, or you came in just before a rate change and the person you talked to was just too chicken-shit to tell it to you straight. The company I was with, at leas all the sups. I was with were very good about telling us to tell everyone the truth. Rate increases happen and, usually for good reasons, if explained properly people usually are ok with them. There are so many reasons for rate increases it is not even funny, however being with a company for a period of time is NOT one of them... usually if you are with a company for a while your rate goes DOWN. Don't get me started on Progressive. That lie they tout about giving rates for other companies pisses me off, it is impossible to do.

08-23-2007, 09:04 PM	#21
minnmirman noob Join Date: Aug 2007 Location: Seymour WI/Ft Campbell KY Posts: 43	Those bastards! When I was young(arguably still am...are?) they took advantage of my vulnerability and youth! ill show them!!

08-23-2007, 09:28 PM	#22
yesman065 Banned - Self Imposed Join Date: Dec 2005 Posts: 1,847	Progressives market niche is those who are termed "high risk" to a standard insurer. Anyone who is not in that class WILL PAY MORE to be insured through them. Use them to get 6 to 12 months of continual coverage then switch to another carrier. You will virtually always pay less.

09-01-2007, 12:39 AM	#24
yesman065 Banned - Self Imposed Join Date: Dec 2005 Posts: 1,847	What if I ask real nice and say please?

09-01-2007, 12:05 PM	#27
yesman065 Banned - Self Imposed Join Date: Dec 2005 Posts: 1,847	They are listed as a "standard carrier", but they are typically more expensive than the majority of carriers. Primarily because they cater to those with less than stellar records or less driving experience - those people other carriers won't insure.

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)