Car Insurance Comparisons - more rant

[Fay ^. .^ ~]

Andrew Duane USG wrote:
>Hairy green toads from Mars made Fay     ^. .^  ~ say:

That is too, too funny !!!
I did a double take when I read that . . . I have seen some funny ones on my computer lists, but this one takes the cake !

> > http://www.esurance.com/
>
>The problem with static comparisons is that they miss entire dimensions
>of insurance pricing. My case in point:
>
>I've been with Allstate for many many years (very happily I might add).
>At work, they offer "MetPay", a deal with Metropolitan. So I got the
>rate comparison.  MetPay looked about 20% cheaper than Allstate so I
>signed up. Well, a few weeks later, I got a call "I see you had a ticket
>6 years ago. That's a 30% increase".... then another call "that $300
>comprehensive claim your wife made in 1996 is another 30% increase."
>Suddenly, cheap was *not* cheap.

well there is a part where you indicate how many minor and major violations one has had

>Some insurance companies offer great rates for perfect records, but if
>you have a claim or a ticket, kiss them goodbye. State Farm is the worst
>for this (although Geico is bad too I think). And, many companies offer
>multi-policy discounts, and long-term customer discounts.

Consumer report rated several different sites which compare insurance rates.

There were other sites which compared rates as well, but this one was rated excellent.
All it does it compare rates to give one the cheapest.   It doesn't mean the best.

I had excellent coverage when I was in MN and a great agent.  He would
put policies on hold when I parked a car for the winter.

When I came to CT if you don't fully insurance the car to the law, they yank
your plates immediately.    So if you have a backup car to drive when one is down
you either have to insurance all three cars or keep putting plates on and off.

Another reason I will be happy to get outta here.   Everything is too expensive
and too convoluted here in CT !  (Warning to anyone thinking about moving
here.)

>This doesn't even cover things like customer service and claims handling.
>With Allstate, if I want to ask a question, I call my agent Ken and he
>gives me the answer. With MetPay it was leave a message, they call the
>home office, they farm it out to an adjuster or handler, who calls the
>office back who eventually (a week later or so) returns my call.
>
>Who needs that?

Well I insure right now through AAA for Progressive and the people
so called "agents" at AAA have been a total pain.   One week they
won't take cash.    Another week some woman didn't want to bother
to take a credit card.

I went in to pay my bill one day because I was driving by and they won't
take my money because I forgot to bring the bill !

What a deal !

>BTW, when I quit MetPay 4 months later and called Allstate back, Ken
>told me he knew I'd be back so he only put my policy on "hold" rather
>than cancelling it so I wouldn't lose my long-term discount.

I cannot do that in CT, I wonder what AZ is like -

Can anyone tell me ?


Cheers,  Fay

'89 Audi 200 Turbo Automatic (No Q)
'88 5000
'87 5000

http://www.webspawner.com/users/fayskelley/
"Enjoy the edge you are on . . . don't think about the one to come!"  