How to save $400/year! - Page 2 - Mothering Forums

Forum Jump: 
 
Thread Tools
Old 02-03-2009, 05:48 PM
 
mpchez's Avatar
 
Join Date: Sep 2007
Posts: 146
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Nicole77 View Post
We are also in Massachusetts and have the same story. We switched to Progressive and saved over $900 a year. Big load off my budget!
I just asked DH to get a quote online from progressive - we're in Ma- savings was less than $200 year, and then the website said "we do not offer auto insurance in Ma"
mpchez is offline  
Sponsored Links
Advertisement
 
Old 02-03-2009, 05:58 PM
 
RetroGeekGirl's Avatar
 
Join Date: Jun 2007
Posts: 43
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Usually Curious View Post
If I don't pay my bill, they don't cover any accidents. THAT is why I think insurance based on credit score is a scam!

I completely agree!
RetroGeekGirl is offline  
Old 02-03-2009, 06:08 PM
 
mirlee's Avatar
 
Join Date: Jul 2002
Location: next to the snoring bear
Posts: 3,216
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
We just did the same thing! Same coverage, a little over $400 less!
mirlee is offline  
Old 02-03-2009, 07:53 PM
 
UberMama's Avatar
 
Join Date: Feb 2007
Posts: 3,328
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Thank you, OP. I once again ran some quotes and found Geico to be $40 cheaper per month than our current insurance co.
UberMama is offline  
Old 02-04-2009, 01:36 AM
 
mightymoo's Avatar
 
Join Date: Dec 2003
Location: Mass. Confusion
Posts: 10,291
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by mpchez View Post
I just asked DH to get a quote online from progressive - we're in Ma- savings was less than $200 year, and then the website said "we do not offer auto insurance in Ma"
Weird! They have a big banner at the top of the screen that says 'We're in Massachusetts!' when I put my zip code in. You could call the number, it may just be a bug.

One thing I will say is that it will go up a lot if you have any tickets. I was playing with it and the difference between our insurance with no tickets nad with 1 ticket is $300/year.

Mightymoo - Mom to DD (6) and DS (4)
mightymoo is offline  
Old 02-04-2009, 01:44 AM
 
Fuamami's Avatar
 
Join Date: Mar 2005
Posts: 4,375
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by StephandOwen View Post
Allstate. Never again will I be able to watch one of their silly commercials without silently cussing at the tv

I could never get "my agent" on the phone. Ever. The only time he called me back was when he was trying to sell me something. And even then it was like it was a coincidence that he happened to call me a couple days after I left him a message because he would be TOTALLY clueless about what I was asking him. If I stopped into the office to talk to him he was never there either.

The main line that you call was not much better. They transferred me from person to person to person and nobody could/would actually answer my questions.
See, it's things like this that always scare me off from shopping around for insurance! We've had our home, life, and auto with the same guy for seven years. And we've been through four properties with him. He always returns calls, when I've missed a bill he calls me before it is late, he's local, he's got kids, he's involved in the community. I just can't drop him.

But then I hear about people saving $400/year, and that's on one car alone! We have three insured vehicles and two houses! So torn!

Mommy to kids

Fuamami is offline  
Old 02-04-2009, 01:47 AM
 
UberMama's Avatar
 
Join Date: Feb 2007
Posts: 3,328
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
For some reason, MA residents aren't as easily granted insurance as other states. When I was doing quotes online today, MANY companies said they would not insure you if your vehicle was parked in MA.
UberMama is offline  
Old 02-04-2009, 01:49 AM
Banned
 
llamalluv's Avatar
 
Join Date: Aug 2007
Location: Southwest Chicago suburbs
Posts: 2,550
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by lolar2 View Post


Or, here's another scenario which happened here in California to many people: they bought Blue Cross health insurance, a year later came down with a medical condition of some sort, and Blue Cross promptly dropped them. Fraudulently. These people had done nothing wrong; the attorney general found that some insurance companies (including Blue Cross, but there were others, I'm only naming BC because I remember for sure it was among them) were acting fraudulently in a systematic way. So there were people that were sent bills for $200,000 which they did not owe. Of course they did not pay them because they did not owe them. Blue Cross owed them. After an investigation, the attorney general and the "Governator" ordered Blue Cross to reinstate the fraudulently-dropped patients and pay up; but meanwhile, I'm sure that some of those claims showed up on credit reports. And then the patients may have faced increased car insurance premiums. Who knows to what extent that has been addressed, by the patients or by the settlement itself.
That is when you start sending letters of dispute to the CRAs. Problem solved.
llamalluv is offline  
Old 02-04-2009, 02:39 AM
 
Jenelle's Avatar
 
Join Date: Mar 2004
Posts: 1,481
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by lolar2 View Post
The connection is that one can have perfect credit for years, and then be financially ruined by a family illness that goes hundreds of thousands of dollars over the health insurance's lifetime coverage limit (not a rare occurrence). And then your car insurance goes up because your daughter had leukemia.
I read this... as you meant it. The thought never even entered my mind that you were talking about your daughter.

And I soooo would have gotten that name wrong also. I have read llamalluv's posts many times, it is a name I recognize on this board, I even noticed recently that the signature has been changed, because I thought the old one of "shaking the baby tree" was so cute. I never even noticed the two ll's there!
Jenelle is offline  
Old 02-04-2009, 04:21 AM
 
mightymoo's Avatar
 
Join Date: Dec 2003
Location: Mass. Confusion
Posts: 10,291
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by UberMama View Post
For some reason, MA residents aren't as easily granted insurance as other states. When I was doing quotes online today, MANY companies said they would not insure you if your vehicle was parked in MA.
Yes, because of the way the state regulates. We had completely controlled, the state set the prices and insurers were required to insure all drivers, regardless of how bad they were. They recently changed it, but not everyone has made the move to start selling in MA, partially because there are other legal requirements too, like that burden of proof of insurance is on the insurer, they are required to inform the DMV if someone loses their insurance (so the DMV cancels their car registration), they can't cancel a policy until they get proof another policy is in place from the previous insurer. When I lived in WA, the proof rested entirely with the insured, we had to have insurance, but the DMV didn't keep track of whether we did, you just had to carry proof and risk getting caught if you didn't - MA makes it impossible to register your vehicle without it.

Mightymoo - Mom to DD (6) and DS (4)
mightymoo is offline  
Old 02-04-2009, 05:38 PM
 
prothyraia's Avatar
 
Join Date: Feb 2007
Location: The Borean Tundra
Posts: 2,211
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by llamalluv View Post
2. I still stand by my assertion that simply having bills does not cause you to have bad credit. It's by not paying them that you get bad credit. Which goes right back to the auto insurance company's right to charge more to people who don't pay their bills.
Of course having bills doesn't cause you to have bad credit.
Having bills that you can't/don't/won't pay causes you to have bad credit.
Filing for bankruptcy because there is no way you can pay your medical bills (which happens FREQUENTLY in this country) causes you to have bad credit.

But none of that is really relevant. It's reasonable to charge people with bad credit more if you're worried that you will provide them services that they won't pay for. You're taking a risk that you'll give them something for nothing. Credit cards, even utilities, that makes sense.

But car insurance doesn't work that way. They don't give you anything unless you get in an accident, and if you haven't paid your bill with them then you're simply not covered. It would be a bit like charging someone more to put something on layaway if they have bad credit.

Now, if there's some indication that people with poor credit scores are bad drivers, that's a different story, but that's not what we've been taking about here.
prothyraia is offline  
Old 02-04-2009, 07:09 PM
 
slsurface's Avatar
 
Join Date: May 2007
Location: under a pile of shells
Posts: 2,479
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by JesiLynne View Post
: I agree that everyone should really check out who is cheaper. I was shocked at some of the quotes I got, and then even more shocked to find that some quote are BASED ON YOUR CREDIT SCORE! :
It depends by state. In Michigan, all insurance is determined by credit score. It is also illegal to be uninsured here. We also have some of the highest rates of insurance because it is a "No fault" state. It really sucks.

We've compared our rates with other people in our area and seem to have very low rates for our region, but they are still outrageous. We pay $850 every 6 months for 2 tiny, economy cars with high safety ratings. It's nuts! :

And ETA, we've never made a claim or had an accident.
slsurface is offline  
Old 02-04-2009, 10:55 PM
 
Jenelle's Avatar
 
Join Date: Mar 2004
Posts: 1,481
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by prothyraia View Post
Now, if there's some indication that people with poor credit scores are bad drivers, that's a different story, but that's not what we've been taking about here.
The last time I called our agent to see if there was any way to get our car insurance rates down, he said he could run our credit, and that if we fell into one of their top two "categories" (A or B), then maybe that would help.

Somehow, we were a C. :

This was the first time I had any idea that our rates could be tied to our credit score. And I had always thought that our credit was pretty darn good, so I was like, "what?"

I said I have NEVER paid you late, I have never paid ANYONE late... Never missed a payment or had any sort of trouble with them.

He said they go by your credit score because they figure if people have a lot of money problems, they are more DISTRACTED DRIVERS. "They have a lot on their minds, and so, are at a higher risk of getting in an accident."
Jenelle is offline  
Old 02-04-2009, 11:09 PM
 
Theoretica's Avatar
 
Join Date: Feb 2008
Location: Inside my head (it's quiet here!)
Posts: 3,663
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Statistically, people with poor credit scores file 40% more insurance claims than people with high credit scores (according to the Insurance Information Institute). So...poor credit = higher premium. It's not because you might not pay your bill, it's because of the statistical risk category, which insurance itself is based on.

Just like people in floodplains file more water damage claims, so their flood insurance is higher than those not in floodplains.

It's statistically based on a demographic. It's not an insinuation that you can't pay your bills.

GOOD moms let their kids lick the beaters. GREAT moms turn off the mixer first!
Humanist Woman Wife , & Friend Plus Mama to 6 (3 mos, 2, 9, 13, 17, 20)
Theoretica is offline  
Old 02-05-2009, 02:33 AM
 
Mama Dragon's Avatar
 
Join Date: Dec 2005
Location: Apparently on MDC
Posts: 10,555
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I almost switched, progressive showed a $100 less per 6 months, then I scrolled down to buy and find out that rate was only good if I paid in full. Paying monthly (like I have to), it's only a little tiny less then my current one. Oh well, was worth a try!

Amy ~ Web Designing Single Mom to 4: DD14, DS12, DS5, DS3
Mama Dragon is offline  
Old 02-05-2009, 04:25 PM
 
HarperRose's Avatar
 
Join Date: Feb 2007
Location: In my own little world
Posts: 10,475
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
We found State Farm to be a fine company. Our rates went DOWN when we added Renter's Insurance. That blew my mind. lol

 upsidedown.gif  Please see my Community Profile! energy.gif blogging.jpg about Asperger's Syndrome!

HarperRose is offline  
Old 02-05-2009, 07:41 PM
 
crazyeight's Avatar
 
Join Date: Mar 2006
Posts: 2,766
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
its outrageous the way companies can jerk you around! we had usaa and our rates went UP $30 a month for no reason. we have full coverage so we were up to $230 a month now. its horrible. i went to geico and am now saving $70 a month ($165) for the same thing. i remember switching from american family to proggressive and saving like $150 a month! I mean really WTH? i'm sure next year we'll be switching again! I had an accident about 2 years ago but thats all we have on our licenses anymore. Ugh i can't wait to hit 25 (is that still a good age when price drops? cause i don't WANT to get older hehe)
crazyeight is offline  
Old 02-05-2009, 08:25 PM
 
Mama Dragon's Avatar
 
Join Date: Dec 2005
Location: Apparently on MDC
Posts: 10,555
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Married rate is the same as turning 25, it won't drop, unless some companies do it. Geico doesn't drop your rate at 25 if you're married. It will drop once it's been a year since the accident though!

Amy ~ Web Designing Single Mom to 4: DD14, DS12, DS5, DS3
Mama Dragon is offline  
Old 02-06-2009, 12:27 AM
 
FiddleMama's Avatar
 
Join Date: Feb 2007
Posts: 603
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Geico rocks.
FiddleMama is offline  
Old 02-06-2009, 12:37 AM
2xy
 
2xy's Avatar
 
Join Date: Nov 2008
Posts: 3,056
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by dhinderliter View Post
its outrageous the way companies can jerk you around! we had usaa and our rates went UP $30 a month for no reason. we have full coverage so we were up to $230 a month now. its horrible. i went to geico and am now saving $70 a month ($165) for the same thing.
Now, see, that's funny....

I had Geico for quite some time and switched to Progressive because it was cheaper. Then, when we moved to the city, our insurance doubled with Progressive.

So I wound up switching to Metlife. Metlife gave good rates. But I discovered last year that USAA was even cheaper than Metlife. I pay $113/month for two cars, one with full coverage and one with liability.
2xy is offline  
Old 02-06-2009, 03:01 AM - Thread Starter
 
StephandOwen's Avatar
 
Join Date: Jun 2004
Location: Kentucky
Posts: 8,613
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
ARGH! Okay, sorta an update on this, sorta just a vent.

State Farm called me today and said they were going over what they just sold me (car insurance) and the info and stuff. Then they tell me that since I didn't tell them about an accident it messes with the rates and it would be going up substantially. Uhhh... I've never ever ever been in an accident. My car was hit one time (unoccupied) and the other person's insurance company fixed it so it's not on my record at all (obviously I wasn't in the car so I was not at fault!). So I got more details from them and apparently my car was in an accident in March 2007. I bought the car in April 2007 (doh... really shouldn't have trusted the dealer that it wasn't in any accidents).

To make it freakier- the person who was the owner of the car had the same first name as me, an eerily similar last name and same middle initial. And, to make it worse, THE SAME DRIVERS LICENSE NUMBER! How this happens, I don't know. How in the world 2 people can have the same drivers license in the same state.... I don't know. So State Farm is having me jump through hoops to try to prove that this was not me, I didn't even own the car at the time. I had the insurance company who originally insured me with that car fax them the paperwork so hopefully that clears it up. If not, I'm going to have to fax them a copy of the paperwork from when I bought the car

Steph, DH Jason (1-1-11), DS Owen (10-3-03) and DS Kai (10-13-11)

StephandOwen is offline  
Old 02-06-2009, 12:54 PM
 
Jenelle's Avatar
 
Join Date: Mar 2004
Posts: 1,481
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by StephandOwen View Post
To make it freakier- the person who was the owner of the car had the same first name as me, an eerily similar last name and same middle initial. And, to make it worse, THE SAME DRIVERS LICENSE NUMBER! How this happens, I don't know. How in the world 2 people can have the same drivers license in the same state.... I don't know.
This makes no sense. I'd be at the license branch, pronto.
Jenelle is offline  
Old 02-06-2009, 01:05 PM
 
oneKnight's Avatar
 
Join Date: Aug 2006
Location: Arkansas
Posts: 3,651
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
We have always had State Farm because my entire family has. My grandma was at-fault in a wreck and they were good to her, so my parents also use State Farm because of that good experience, so I also use State Farm because of that. We all have the same agent too.

They are charging DH an extra $17/6 months for this year because of his most recent at-fault wreck. Considering his record, I think they are being fair.

Quote:
This makes no sense. I'd be at the license branch, pronto.
ME TOO! Sounds like somebody effed up your records!
oneKnight is offline  
Old 02-06-2009, 01:50 PM
 
HarperRose's Avatar
 
Join Date: Feb 2007
Location: In my own little world
Posts: 10,475
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by StephandOwen View Post
How in the world 2 people can have the same drivers license in the same state.... I don't know.
You can't, I don't think.





Quote:
So State Farm is having me jump through hoops to try to prove that this was not me, I didn't even own the car at the time. I had the insurance company who originally insured me with that car fax them the paperwork so hopefully that clears it up. If not, I'm going to have to fax them a copy of the paperwork from when I bought the car
Oh, joy. : I'm curious to know what happens.

 upsidedown.gif  Please see my Community Profile! energy.gif blogging.jpg about Asperger's Syndrome!

HarperRose is offline  
Old 02-06-2009, 02:17 PM
 
dogmom327's Avatar
 
Join Date: Apr 2007
Location: Sioux Falls, SD
Posts: 5,702
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by StephandOwen View Post
THE SAME DRIVERS LICENSE NUMBER! How this happens, I don't know.
Different state? That's the only way I could imagine that could happen. Since used cars are often sold at wholesale auction (the dealer you trade it in at doesn't necessarily sell it), it can easily and quickly end up in a new state.

Mama to DS (6/07) h20homebirth.gif, DD (6/09) h20homebirth.gif, and DD (07/12) homebirth.jpg..

dogmom327 is offline  
Old 02-06-2009, 02:54 PM
Banned
 
llamalluv's Avatar
 
Join Date: Aug 2007
Location: Southwest Chicago suburbs
Posts: 2,550
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Usually Curious View Post
If I don't pay my bill, they don't cover any accidents. THAT is why I think insurance based on credit score is a scam!
It depends on how your insurance is billed. If you pay in advance, sure. If you pay in arrears, then they cover you before you have paid.
llamalluv is offline  
Old 02-07-2009, 03:08 AM - Thread Starter
 
StephandOwen's Avatar
 
Join Date: Jun 2004
Location: Kentucky
Posts: 8,613
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Jenelle View Post
This makes no sense. I'd be at the license branch, pronto.
And I would be. But I now live in Kentucky. The license is in Michigan. Not exactly a stones throw away, ya know?

Quote:
Originally Posted by dogmom327 View Post
Different state? That's the only way I could imagine that could happen. Since used cars are often sold at wholesale auction (the dealer you trade it in at doesn't necessarily sell it), it can easily and quickly end up in a new state.
Both my license and the other persons license are from Michigan. The lady from State Farm said it's possible someone, somewhere along the line, messed up with one number or something so it's coming up as mine.

And now I really have to get in and get my Kentucky license

No update though, haven't heard from them. Last I heard they were going to wait for the fax, see if that was enough info, run the numbers again (they apparently mis-heard my SSN and the last number was wrong) and call me back.

Steph, DH Jason (1-1-11), DS Owen (10-3-03) and DS Kai (10-13-11)

StephandOwen is offline  
Old 02-12-2009, 03:00 PM - Thread Starter
 
StephandOwen's Avatar
 
Join Date: Jun 2004
Location: Kentucky
Posts: 8,613
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Phew. After many many phone calls and a letter from State Farm saying the canceled my insurance.... we finally got it figured out. My car was not in an accident. Apparently someone with a very similar name to me was in an accident in a 2003 Dodge Durango in March 2007. She was IN Michigan at the time of the accident AND she had the same drivers license number as me but licensed in a different state. Somehow this information got messed up and it was linking it back to me. Definately a freak accident. The lady who finally cleared it up said in all her many years of doing this she has NEVER seen anything like this. What a mess!

But, insurance is continuing at the rate I was quoted at. It was one major headache, but cleared now.

And now I have a Kentucky license so I can avoid all this again. LOL!

Steph, DH Jason (1-1-11), DS Owen (10-3-03) and DS Kai (10-13-11)

StephandOwen is offline  
 
User Tag List

Thread Tools


Forum Jump: 

Posting Rules  
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off