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Car Insurance (pg. 3)
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View this Thread in Original format
| Floorwhore |
| quote: | Originally posted by Xavier Moriarty
floorwhore 25 years old minus 2 tickets, youre one lucky bastard. your rates are gonna go wayyy down |
the quote from pcinsurance tells me i'll save.....
$240/month
Or
$2880/year
HAH!
:happy2: |
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| tatgirl |
I've been on Kingsway the past year since I was dropped from RBC for having 3 tickets and been deemed a 'high risk driver'. Well, 1 has been dropped off my record this month, so technically I can switch to a normal carrier now. Thing is, I have 2 court dates for tickets I received coming up in Feb & Mar. One I should be able to win in court, the other I gotta pray that the guy doesn't show up (minor speeding).
So my ? is this- can I shop around for a new company, and am I supposed to tell them of these 2 pending tickets, if they're not convictions yet? The other tickets would take 2.5 yrs b4 they're dropped, if convicted. Maybe I could repeatedly postpone the speeding one for the next 2 yrs, cuz that guy was kinda old anyways, and maybe by then he'll retire? ;)
Say I am able to sign up for a normal insurance company, I'd hate to be dropped w/in a couple months cuz I get convicted again. What do I do? |
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| tatgirl |
| The ANNOYING thing about PC insurance is that if you've ever been dropped by your insurance company, you have to fill out a form and MAIL it to them, and then wait 15 days to hear back from them. Who has that kinda time??? |
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| Moral Hazard |
| ^^^^ see my PM |
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| Xavier Moriarty |
| quote: | Originally posted by Floorwhore
the quote from pcinsurance tells me i'll save.....
$240/month
Or
$2880/year
HAH!
:happy2: |
mine went from 200 something to 500, or 3600 a year !
rub it in boy, i know where you live LOL.
but be sure that all info was correct bro, just in case try some brokers and get quotes from them |
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| MaxTO |
| quote: | Originally posted by tatgirl
The ANNOYING thing about PC insurance is that if you've ever been dropped by your insurance company, you have to fill out a form and MAIL it to them, and then wait 15 days to hear back from them. Who has that kinda time??? |
Yeah, they won't give me a quote online as well...and I haven't been dropped or anything...maybe cuz i'm under 25 *shrugz* |
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| ChemEnhanced |
| quote: | Originally posted by MaxTO
Yeah, they won't give me a quote online as well...and I haven't been dropped or anything...maybe cuz i'm under 25 *shrugz* |
Actually, I made a few phone calls and advised all the insurance companies about you Max....good luck finding insurance :D:D:D:D:D:D |
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| Jem_hadar |
Just filled it out.
Id save about 400$ a year using PC over The Co-operators who I'm currently with :)
Jem |
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| dEsidEL |
are there no auto insurance brokers out there that'll search various providers for the best premium ?
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| rabbitjoker |
| quote: | Originally posted by dEsidEL
best premium |
The problem is that the "best premium" is not always the best insurance for the consumer.
Who wants cheap insurance when the insurance company makes it difficult to file claims? Who wants cheap insurance when the fine print is so detailed that the complete terms of insurance are difficult to determine? Who wants cheap insurance when the insurance company is inflexible?
Self-serve insurance = caveat emptor.
Like anything else - with insurance you get what you pay for. |
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| ChemEnhanced |
| quote: | Originally posted by dEsidEL
are there no auto insurance brokers out there that'll search various providers for the best premium ?
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Any broker will search for the lowest rate for you but you have to remember that brokers only deal with certain insurance companies so they will only go to the companies they deal with. |
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| DigiNut |
| quote: | Originally posted by rabbitjoker
The problem is that the "best premium" is not always the best insurance for the consumer.
Who wants cheap insurance when the insurance company makes it difficult to file claims? Who wants cheap insurance when the fine print is so detailed that the complete terms of insurance are difficult to determine? Who wants cheap insurance when the insurance company is inflexible?
Self-serve insurance = caveat emptor.
Like anything else - with insurance you get what you pay for. |
For some people, the best premium is the best insurance, particularly if those people are paying more for insurance than they are for the car. Most drivers under 25 will pay out more in premiums than they would ever have to pay if they totalled the car. Also, most insurers will raise the premiums if a claim is filed (or at least that is what the clients believe) so people will avoid doing so when financially possible.
I think the rules change when insurance is mandatory. If the industry were truly competitive it would be a different story, but from what I've seen, almost all insurers make it equally difficult to file a claim.
(This isn't meant to be an "insurance companies are evil" post - I'm just pointing out the state of the industry here.) |
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