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I switched car insurance companies 2 months ago because I wanted a lower rate. I went from one well known company to another well known company (not some slimy company with no real agents), and I've been very satisfied so far...
Last week I checked my policy online and saw my new bill was $200! That's over double what I've been paying for 2 months ($95)! I called the new company and was informed I never provided proof that I had insurance previous to signing up with them--which I was never asked to do, anyway. Fine. I called my old company and had them fax over proof.
Today, I checked my bill, and it went down...but only to $135! I immediately called and was told that because I only had state-minimum liability coverage with my old company, they had to adjust my rate accordingly.
Has anyone ever heard of an insurance company raising your rate because of something like that? I'm absolutely livid, and I'm going to call them shortly to raise hell, but I want to make sure I know what I'm talking about before I do!
My company raised my rate when I removed my 20 year old son's sports car that he sold. Why? Because since his DL is still listing our house as his home address, even though he's got a job in another state temporarily, they have to cover him with full coverage under our most expensive vehicle.
Told them to blow it out their hole and switched to another company. Then I get a statement saying I owed them $30-some. Asked what for and they said partial month insurance coverage. Uh, no. Sorry. I paid a month in advance. If anything they owe me a half month.
I'm sick to death of auto insurance companies and their scams.
Go to an agent that represents one well-known company that's been around for a long time, shake hands with the agent and sit down and tell him/her what your present insurer did. Tell him you want to deal with a company that will review your needs, give you the coverage you want, quote a fair price, and stick with it. Pay 6 months up front, if you can. (If you can't, start working on getting your personal finances and budget in shape.)
There is a company that advertises on TV that you should ask people who they insure with, and consider their recommendations. Good strategy. I've insured with that company (State Farm) for over 30 years, with at least 6 different agents, and never thought for a minute they were doing anything devious.
USAA has been slowly raising my rates since i got with them, but when i check out other companies with the coverage that USAA offers, USAA is still a good 200 dollars cheaper.
my uncle is a state farm insurance agent and the favorite nephew discount cant even beat USAA.
Couldn't agree more. Good rates, good communication and no funny business..
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