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Old 12-30-2022, 08:43 AM
 
14,393 posts, read 20,463,915 times
Reputation: 7964

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We are shopping around for insurance that renews late January. One agent gave us a quote over the phone and said the "rate" was for a limited time.
Then an email yesterday said the rates offered go up in January.
This sounds like a crooked salesman if the rates they told us are only good until Dec. 31.
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Old 12-30-2022, 01:02 PM
 
Location: Phoenix, AZ
6,320 posts, read 4,786,947 times
Reputation: 17918
There's nothing crooked about it.

The insurance sets a date on which its new rates go into effect.

If your coverage is effective before that date, you get the old rates.

If your coverage is effective after that date, you get the new rates.

I suggest you keep shopping. There may be other companies that won't have a rate increase in January.
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Old 01-02-2023, 05:58 PM
 
14,393 posts, read 20,463,915 times
Reputation: 7964
Never knew since driving at age 14 that a quoted rate on Dec. 31 would be lower than on Jan. 1-2.
We've done some shopping and yet to hear back from a AAA agent who we have worked with before until rates went way up.
Another offered coverage by Stillwater Insurance. Any opinions on that one?
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Old 01-02-2023, 08:37 PM
 
Location: Phoenix, AZ
6,320 posts, read 4,786,947 times
Reputation: 17918
Lots of reviews of Stillwater.

https://duckduckgo.com/?q=stillwater...ws&t=h_&ia=web
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Old 01-04-2023, 09:11 AM
 
17,135 posts, read 11,980,975 times
Reputation: 17063
Quote:
Originally Posted by howard555 View Post
Never knew since driving at age 14 that a quoted rate on Dec. 31 would be lower than on Jan. 1-2.
We've done some shopping and yet to hear back from a AAA agent who we have worked with before until rates went way up.
Another offered coverage by Stillwater Insurance. Any opinions on that one?
Insurance company rate changes are filed with the state and regulated. They have an effective date. Nothing strange going on there. Not a "call in the next 15 minutes to get this deal" sort of thing. Actually just looking out for you to get the lower rate. You don't need to wait for current insurance to expire to switch.
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Old 01-20-2023, 07:55 AM
 
14,393 posts, read 20,463,915 times
Reputation: 7964
Earlier in the month we got a message from Allstate that our yearly premium is due Jan. 27th. Here the 20th they send a notice and say if not paid "after" the notice the premium may change. Where do they get rules that let them threaten people with cancel or higher rates if not paid by some date?

It's due the 27th why can't we pay in the 26th when we have the money?
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Old 01-20-2023, 07:34 PM
 
13,075 posts, read 20,749,280 times
Reputation: 21255
Sounds like they are warning you that if your premium is not in their hands on the 27th, your quoted premium rate may end and a new premium rate could be applied. Nothing in that notice sounds like they are threatening you with a different rate if you don't immediately pay the rate. The notice is for the 27th. You're reading more into it than what it is.
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Old 01-21-2023, 12:21 PM
 
Location: Columbia SC
14,200 posts, read 14,574,865 times
Reputation: 22009
Insurance companies are notorious for offering low rates to get a person to sign on then they raise them each year. I have local independent insurance agents shop around for me each year. For the last two year I have been with Auto Owners Insurance via a local independent agent. I pay in cash for a one year policy.
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Old 01-21-2023, 01:16 PM
 
Location: Alexandria, VA
15,111 posts, read 27,584,674 times
Reputation: 27172
Quote:
Originally Posted by Rabrrita View Post
Sounds like they are warning you that if your premium is not in their hands on the 27th, your quoted premium rate may end and a new premium rate could be applied. Nothing in that notice sounds like they are threatening you with a different rate if you don't immediately pay the rate. The notice is for the 27th. You're reading more into it than what it is.
And if OP is waiting until the day before to pay, it won't be there in time. Nobody's fault but the OP.
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