Being "raped" by Insurance.... - Off-Road Forums & Discussion Groups
The NOT-Off-Road Lounge Talk any topic NOT related to Off-Road vehicles. ESTABLISHED COMMUNITY MEMBERS ONLY - NO SPAMMERS.

 
LinkBack Thread Tools Display Modes
post #1 of (permalink) Old 04-27-2003, 09:24 AM Thread Starter
 
Join Date: Apr 2002
Posts: 2,952
Thanks: 0
Thanked 0 Times in 0 Posts
  
Being \"raped\" by Insurance....

Hello folks,
Well, I just got back from working on the road for two weeks, and my new insurance policy was waiting for me (it renews May 05), and I almost got sick.
I know that prices go up, but this is insane. A couple a years ago, I was paying $350 per year just for PL&PD for my truck, then it went up to $400, last year it was $506. Fine, I understand rates increase. Life's not always fair.
So a couple months ago, I added a '91 Honda Civic to my '90 truck policy, both with only PL&PD, and the cost of my new policy for both rigs, is going to be $1974 per year [img]images/graemlins/shocked.gif[/img] [img]images/graemlins/mad.gif[/img] [img]images/graemlins/crazy.gif[/img] [img]images/graemlins/frown.gif[/img]. No theft, no fire, no glass, no collision! Nothing, just the bare bones.
They tell me this is the cost of insuring two vehicles that are over 10 years old [img]images/graemlins/frown.gif[/img]. I can't believe it, I'm just sick.
I called another place, and they quoted me at $2039, and I got an online quote at $2500.......am I having a nightmare here?
Looks like I'm going to have to take a day off work this week to go Insurance shopping. I don't know how these brokers sleep at night. They should be wearing masks.

Rembrant [img]images/graemlins/frown.gif[/img]
Rembrant is offline  
Sponsored Links
Advertisement
 
post #2 of (permalink) Old 04-27-2003, 09:49 AM
Carpal \'Tunnel
 
wrath's Avatar
 
Join Date: Nov 2001
Location: Waukesha, WI
Posts: 3,323
Thanks: 0
Thanked 1 Time in 1 Post
 
Re: Being \"raped\" by Insurance....

Try calling up and insuring just one vehicle. A lot of places are becoming oportunists and raising the rates for people with multiple vehicle coverage so you're actually paying 10-30% more for having two vehicles insured together rather than just one insured at one place and one at another.


My insurance when I moved here was under $250/6 months for PLPD. It had nothing but the bare minimums (no towing, no nothing). They raised it to $320 the next time. The time after that it was up to $440. I called them up and said it'd be cheaper for me to take my business downstate. It's now back to just under $300/6 months which is a deal in my opinion, especially for Michigan which has no cap on how much people can sue each other for.


Full coverage on my Dad's 89 is only ~$300/6 months but he's also over 40.


wrath is offline  
post #3 of (permalink) Old 04-27-2003, 09:50 AM
 
Join Date: Sep 1999
Posts: 6,517
Thanks: 0
Thanked 0 Times in 0 Posts
 
Re: Being \"raped\" by Insurance....

<font face="Comic Sans MS">HOLY CRIPES... That's fawkin' nuts man... I hate insurance anyhow since I consider it legal extortion, especially when you consider how hard you gotta fight, get lawyer, etc to get anything back out of 'em for example... [img]images/graemlins/mad.gif[/img] I think it should be illegal personally... </font>
The_Sandman_454 is offline  
post #4 of (permalink) Old 04-27-2003, 11:41 AM
 
Join Date: Apr 2000
Posts: 1,545
Thanks: 0
Thanked 0 Times in 0 Posts
 
Re: Being \"raped\" by Insurance....

i hated insurance till a week ago...had a big hailstorm and the blazer got hit, but only on the hood, which was already a piece of crap. well, and the roof, but not too bad, and no one sees that. Took it into good ole state farm and they totalled it, wrote me a check for $4300 and gave it a salvage title. I'm happy!!!!

But why is it so much to insure a car over 10 years old? i always thought it was dirt cheap compared to anything else.
90K5 is offline  
post #5 of (permalink) Old 04-27-2003, 07:00 PM
Can't Get Enough
 
Join Date: Dec 2002
Location: Texas
Posts: 1,113
Thanks: 0
Thanked 2 Times in 2 Posts
 
Re: Being \"raped\" by Insurance....

I got a new windshield through my insurance once. I didn't even have to pay a deductible.
c_rock is offline  
post #6 of (permalink) Old 04-27-2003, 07:26 PM
Mud in my Veins
 
muddybronco's Avatar
 
Join Date: Oct 1999
Location: woooooo pig sooooooie!
Posts: 6,842
Thanks: 0
Thanked 0 Times in 0 Posts
 
Re: Being \"raped\" by Insurance....

90K5: do you mean to say that after all that Vortec talk, mother nature actually gave you the chance to pursue it?!? [img]images/graemlins/blush.gif[/img] excellent! [img]images/graemlins/40BEER.gif[/img]

what are you planning to get now? i watch ebay pretty closely and you're in the spot to pick up cheap late model trucks... if i ever get tired of the daily driver trail truck thing (not too far off really [img]images/graemlins/wink.gif[/img]) and i'm looking for a newer truck, i'll definitely buy one off eBay and fly to dallas and drive it home... compared to local asking prices, i'd save 4-5 grand on a ~98 Chebby! [img]images/graemlins/cool.gif[/img]
muddybronco is offline  
post #7 of (permalink) Old 04-28-2003, 12:52 AM
 
Join Date: Apr 2000
Posts: 1,545
Thanks: 0
Thanked 0 Times in 0 Posts
 
Re: Being \"raped\" by Insurance....

yeah, aint it great? The thought of a brand new truck just popped into my mind today actually, got the check about a week ago...i'll probably get a 97 or so like i was thinking and have a couple G's in the bank. Theres too many things i dont like about the 2003's...or 99-02's for me to get one...This insurance company has been VERY good to me this year...starting to think i dont need a job...yeah Dallas has a lot of trucks to choose from and most of them are in real good shape. Drove a few the other weekend and there were 2-3 that i am positive had never even seen a dirt road...steering still tight, not a scratch on them, etc. i look on e-bay every now and then, but it seems like a good way to dump a lemon...or something with a salvage title, like my Blazer. Not that the salvage title is that bad in my case, but I am sure thats about as good as it gets for salvage titles.
90K5 is offline  
post #8 of (permalink) Old 05-02-2003, 12:28 PM
 
Join Date: Jan 2002
Posts: 975
Thanks: 0
Thanked 0 Times in 0 Posts
 
Re: Being \"raped\" by Insurance....

A roof and hood= totaled. Man I wish I could make out like that.
4x4mike is offline  
post #9 of (permalink) Old 05-03-2003, 06:04 AM
Old Hand
 
86convert4wd's Avatar
 
Join Date: Sep 2002
Posts: 562
Thanks: 0
Thanked 0 Times in 0 Posts
 
Re: Being \"raped\" by Insurance....

I pay over $3000 for 2 vehicles with basic coverage. A friend owned a 79 F250 and then bought a newer Mazda millenium and his rate jumped to over $700 monthly. Needless to say he got rid of the truck. Not the smartest thing but who am i to jugde? His insurance is still high as hell along with everyones in Jersey.
86convert4wd is offline  
Sponsored Links
Advertisement
 
Reply

Quick Reply
Message:
Options

Register Now



In order to be able to post messages on the Off-Road Forums & Discussion Groups forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.

User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.

Password:


Confirm Password:
Email Address
Please enter a valid email address for yourself.

Email Address:
OR

Log-in










Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page
Display Modes
Linear Mode Linear Mode



Posting Rules  
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

 
For the best viewing experience please update your browser to Google Chrome