Welcome to City-Data.com Forum!
U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > General Forums > Automotive > Car Insurance
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
Old 08-08-2023, 02:56 PM
14,400 posts, read 14,289,908 times
Reputation: 45726


Originally Posted by djmilf View Post
There's part of your issue. I used to also be with AAA for decades - stupid me. I finally figured out that they had been charging me top dollar for decreasing value for years. Less quality customer service, less oversight on the collision shops they supposedly "approved", they even changed my policy terms during the yearly auto-renewal, changed the deductible on my comprehensive insurance from $50 to $500 without me requesting it. When I finally kicked AAA to the curb, I went with another auto insurer who cost me about half of what I had been paying.

Shop around every year or so, let capitalism work for you.
What I've never understood is why some people don't seem to shop around for rates. I'm probably old fashioned. I think everyone ought to have an independent insurance agent who can move them around from company to company when rates get that high. Do some people just pick one insurance company and than complain when the rates get high?
Reply With Quote Quick reply to this message

Old 08-11-2023, 09:12 AM
Location: Charlotte
2,411 posts, read 2,692,857 times
Reputation: 3339
You should shop around and see if you can get a better rate through a different insurance provider. The only way to find out if you can get a better rate despite your driving record having violations is to shop. You may find your rates will still be relatively elevated though due to the violations. Since you had two violations, you are going to pay an increase for each violation. In California, the statewide average for example is insurers raise your premium 21% for disobeying a traffic signal or illegal turn. Reckless driving citations result in a 92% increase in premiums, et.

Even if your the violations that resulted in your points didn't cause an insurance claim, having two violations may indicate to insurance that you are at greater risk of a major accident claim or potentially causing an accident where you are at fault (and your insurance has to repair multiple cars at thousands of dollars).
Reply With Quote Quick reply to this message
Old 08-11-2023, 06:49 PM
Location: Sandy Eggo's North County
10,292 posts, read 6,818,131 times
Reputation: 16844
Originally Posted by Trudijane View Post
I've been with AAA for decades; and never had an issue with them until now. As a result of having 2 points added to my record within a 3 year period - they doubled my rates (from $900/year to $1800/year).

Both incidents were so minor that I did not expect this at all. Are their any Insurance out there that might take these things into consideration.

I live in San Francisco and I am a senior....I can't really afford the raise in premiums.
A single "2-point" infraction isn't minor. Unless you are a "CDL" holder, you shoulda enrolled in traffic school. (CDL holders are not eligible for traffic school.)

Never hurts to shop around.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.

Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > General Forums > Automotive > Car Insurance

All times are GMT -6.

© 2005-2024, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Contact Us - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37 - Top