State Farm is one of the highest cost insurers. Try a Google search for things like: low cost auto insurance
Yikes! Got a car insurance quote
- Thread starter The Critic
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JHZR2
Staff member
What you mention about people geting licenses and driving uninsured is what happened to me - my MB turbodiesel was destroyed by an idiot on the fringe of society, who had to drive with her friends in the car, but couldnt afford her own car or insurance (and the owner only had minimal coverage).
I agree with the Ca. insurance commissioner... I am not rich, not an elitist, but after what has happened to me, I could really care less.
JMH
Proof of insurance is not required for either a driver's license or plates unless your state has a law that requires one of those things. Many, if not most, states, have no such requirement. I KNOW, because in my job as an attorney for the Montana State Legislature, I have for many years worked on proposed laws on this subject, none of which have passed and become law. The MAIN problem with such laws, and the reason why most states do not pass them, is that they do not work. What people do is get insurance, then get a license (or plates) and then cancel the insurance as soon as they get the license or plates. The licensing agency of the state does not know that the insurance is canceled unless the insurance company tells that agency that the insurance has been canceled. And, believe me, the insurance companies fight tooth and nail to stop laws that require them to give licensing agencies of the state such a notice. I have personally worked on proposed laws that went nowhere because of that.
I pay $1200 a year for my 04 sentra 1.8 with minimal coverage. I'm 25, and have 0 tickets....
Just outside Boston.
Just outside Boston.
Reportedly, the system in Virginia works very well. If you let your insurance lapse, the DMV is notified by the insurance company and you must pay the $500 UMV fee AND get SR-22 insurance for the next 3 years.
If you don't, they'll revoke your license.
The $500 UMV fee goes into a fund which is distributed to all insurance companies operating in Virginia, for uninsured motorist claims.
If you don't, they'll revoke your license.
The $500 UMV fee goes into a fund which is distributed to all insurance companies operating in Virginia, for uninsured motorist claims.
Just for the record, I posted mine for the sake of correcting the OP's misconception of the cost of collision and comprehensive insurance, not to compare with anyone. I do agree that it's silly to compare amongst ourselves. The same person can move 5 miles down the road and see their rates change. You can only compare rates for yourself.
State Farm has been groovy with me with fairly low rates.
Also, got grandfathered in, a program they dropped recently. I went 10 years without a claim and I got on their nifty-keen people list. They can not drop me for any reason other than committing a felony while using my car and an event occurs where they have to pay.
Anything else they have to keep me. Of course, I suppose they could raise the rate so high I couldn't afford it but the state insurance commission would supposedly prevent them from singling me out and charging me more that someone else in my "risk group."
Also, got grandfathered in, a program they dropped recently. I went 10 years without a claim and I got on their nifty-keen people list. They can not drop me for any reason other than committing a felony while using my car and an event occurs where they have to pay.
Anything else they have to keep me. Of course, I suppose they could raise the rate so high I couldn't afford it but the state insurance commission would supposedly prevent them from singling me out and charging me more that someone else in my "risk group."
I pay $1200 per year.
2005 Honda Accord EX 4 cyl
$100k property damage
Full medical
Uninsured/under insured (for people like Critic)
Comprehensive
Collision $250 deduct
1995 Honda Accord EX 4cyl
$100k property damage
Full medical
Uninsured/under insured (for people like Critic)
Comprehensive
(no collision)
I've been with State Farm 18 years, have guaranteed renewal, and there's not another auto insurance company that can touch their rates. Clear driving record also.
With that said, I think my premiums are outrageous. I have said for years that I think that drivers that don't make a claim for atleast 10 years should automatically have their premiums reduced by more than 50% over and above any and all discounts they are currently getting. Make the suckers that get in wrecks and get tickets pay through the nose and help pay the good folks' premiums, too.
2005 Honda Accord EX 4 cyl
$100k property damage
Full medical
Uninsured/under insured (for people like Critic)
Comprehensive
Collision $250 deduct
1995 Honda Accord EX 4cyl
$100k property damage
Full medical
Uninsured/under insured (for people like Critic)
Comprehensive
(no collision)
I've been with State Farm 18 years, have guaranteed renewal, and there's not another auto insurance company that can touch their rates. Clear driving record also.
With that said, I think my premiums are outrageous. I have said for years that I think that drivers that don't make a claim for atleast 10 years should automatically have their premiums reduced by more than 50% over and above any and all discounts they are currently getting. Make the suckers that get in wrecks and get tickets pay through the nose and help pay the good folks' premiums, too.
What do I have to do with this? (uninsured/under insured)
Btw, don't you have an Odyssey as well, or am I confusing you with thrace?
Btw, don't you have an Odyssey as well, or am I confusing you with thrace?
JHZR2
Staff member
Due to the fact that they severely rip off the honest, hardworking public that don't use them.
2 years, still caught up in court because they would not pay for what was obviously 100% their insured's fault, and in the end all Ill be getting pennies.
So we tied up the court system and I still get screwed. Great.
Have to look at the total cost to the American public of using Progressive... talk about lousy companies, and we villianize the oil companies!
I urge everyone to NOT utilize progressive insurance company.
JMH
North Carolina has a rule that if you allow your motor vehicle insurance to lapse, the state DMV is notified and you lose your plate (that state requires only a rear tag) for 30 days. Trust me, I have coworkers who have been through that. Such a reporting requirement shouldn't be onerous today for the insurance companies with all the automated computer notifications in use.
Keep in mind that in many states a cop pulling you over will ask for your driver's license, vehicle registration, and insurance card. The police in Virginia do not (yet) ask for the card, though there have been proposals to change that. Pay attention next time you watch Cops, Real Stories of the Highway Patrol, and similar reality shows. No insurance card? Deep trouble . . . Wave bye-bye to your tags and have a nice walk home.
Keep in mind that in many states a cop pulling you over will ask for your driver's license, vehicle registration, and insurance card. The police in Virginia do not (yet) ask for the card, though there have been proposals to change that. Pay attention next time you watch Cops, Real Stories of the Highway Patrol, and similar reality shows. No insurance card? Deep trouble . . . Wave bye-bye to your tags and have a nice walk home.
Just a quick comment on rates: I guess I've been really lucky with State Farm, to hear what some of the rest of you are saying. Every so often I compare rates, and companies such as GEICO and Progressive invariably quote me at least $100 more every six months than I pay now, which is under $300 for full coverage and 100-300-50 liability on my Escort. The problem is that I've heard a lot of bad about some of the other named companies, so the question pops up whether the trouble is worth saving a few $$$.
Also, insurance companies today take into account "factors" such as credit history, which I think is dirty. Some people with not-so-good credit might be more prone to have claims, but some people have financial problems that aren't really of their own making and don't deserve to get reamed by auto insurance companies. States need to tighten down on such practices.
Also, insurance companies today take into account "factors" such as credit history, which I think is dirty. Some people with not-so-good credit might be more prone to have claims, but some people have financial problems that aren't really of their own making and don't deserve to get reamed by auto insurance companies. States need to tighten down on such practices.
Sorry to hear you had issues against one insurance company, but the "back office" of any worthwhile insurance company is full of weasels who try to not pay any claim. There are legal remedies for this. No company will pay over-and-above what the law & their contract with their insured says they need to. Should their ultimate payout decision be less than optimal for you, there are always the courts.
That's funny, Progressive can't beat USAA's quotes, ever for me.
Most of the time, when I shop insurance and tell them I'm with USAA, the folks on the phone or the agent says they can't beat USAA and we are done.
they use credit history because they think that if you are responsible with your credit you will be responsible behind the wheel, and if they could talk to your second grade school teacher about your previous behavior they would.
also why they ask your marital status, apparently if you can stay married you are respnsible, divorced = not responsible.
never married? = don't want to be responsible.
also your zip code will determine your rates, despite what they will tell you and despite it being against the law... use a zip code from la jolla, ca to get your quote (will be much lower than yours) then do the request a new quote and use your zip - it will stay the same because they already quoted you a price - but if you did yours first it would be much higher, found this out in the real world.
This thread was locked and now it's unlocked??
What was that about?
I had a Progressive Adjuster tell me one time that if I had State Farm, never even think about switching to Progressive. She said it is a 2nd tier company that targets folks that can't get good premiums with 1st tier companies.
She said that they target the folks that will buy anything that is advertised enough on TV.
What was that about?
I had a Progressive Adjuster tell me one time that if I had State Farm, never even think about switching to Progressive. She said it is a 2nd tier company that targets folks that can't get good premiums with 1st tier companies.
She said that they target the folks that will buy anything that is advertised enough on TV.
BUY NOW!!!!!! SAVE!!!!!!
Huh? How do you save via buying? You save by keeping your money!!!!!
As seen on TV!!!!! New and Improved!!!!!
Oh, goody.... so some greedster uses the airwaves to inform me that I must buy their product I should run out and grab it? Well, perhaps. If that product fills a need and is a better buy than a competing product(s).
As for "new and improved," I revel in sending e-mails to firms using that phrase telling them of my disgust of having used their pre-new-and-improved product since I must have been using a sub-par product. I then inform the droids that I learned my lesson and will never use their product again since they foisted an inferior product upon me.
I often receive coupons if I inform them of my snail mail address. Some are for free products.
Nuthin' like the cheap thrill of harassing the corporations.
Huh? How do you save via buying? You save by keeping your money!!!!!
As seen on TV!!!!! New and Improved!!!!!
Oh, goody.... so some greedster uses the airwaves to inform me that I must buy their product I should run out and grab it? Well, perhaps. If that product fills a need and is a better buy than a competing product(s).
As for "new and improved," I revel in sending e-mails to firms using that phrase telling them of my disgust of having used their pre-new-and-improved product since I must have been using a sub-par product. I then inform the droids that I learned my lesson and will never use their product again since they foisted an inferior product upon me.
I often receive coupons if I inform them of my snail mail address. Some are for free products.
Nuthin' like the cheap thrill of harassing the corporations.
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