I've heard from several sources that auto insurance companies tend to
increase their charges if claims are made. As I see it, the most likely
claim would be a flat tire change if the policy covered such. Mine charges
$7 a year for this, towing, etc. Should I buy AAA or AARP roadside
assistence insurance - ~$55 a year - and drop the coverage on the auto
policy? I suspect an insurance rate increase is going to be much more than
Or am I wrong and such a claim or claims will not cause an increase - nor
windshield cracks - only accidents, or whatever, caused by the policy
owner's driving errors?
You know it's time to clean the refrigerator
when something closes the door from the inside.
Can't disprove it by me!
I've had auto insurance with the same company for 5 yrs. Same price
for 4 yrs. The only time I've made a claim is when the fuel pump
failed in my driveway. I called the insurance company to get my
"roadside assistance". The company support operator claimed my policy
didn't include roadside assist. I went in house, got full copy of
policy, and told operator on which page of my policy indicated I DO
have r/a. She said, "I don't have a copy of your policy", like that
was an excuse. Long story short, I paid to have my vehicle towed and
the insurance company re-imbursed me. Three months later, my new
policy came due. They upped the fee by $75 yr.
It takes 7 yr w/o a claim to break even on the additional 1 yr
cost--doesn't look like a good deal to me...
I've used the windshield coverage several times (once on each of several
vehicles, not multiple on one) and seen no indication of getting
"dinged" (so to speak) for it by Farm Bureau (not State Farm nor Farmers
or one of the multitude of others with "Farm" in their name). I'd make
no claim on a commercial carrier rather than a mutual company.
My best guess would be it'll be carrier-dependent and also frequency and
cost of any claims dependent rather than a generic rule, however. That
is, you get stranded somewhere in the middle of the AZ, UT, NV desert
country 250 mi from anywhere and it'll cost a whole lot more for 'em to
come and get you than if you're in the 'burbs somewhere 10 minutes from
a service center.
Not quite sure but believe insurance will increase if claims are above a
certain dollar value. Don't think a few dollars matters.
Wife has both AAA and on insurance. Car recently towed by AAA but $15
over their range limit and insurance company paid the $15.
AAA seems pricey and I don't get it myself.
Want to save money on insurance? Take a defensive driving course.
AARP's on line a couple of years ago cost about $15 but saves me about
$75 in insurance for three years.
I never thought about it before wrt insurance but it's farmers who put
bread on our tables and support the backbone of America. It's no
surprise they sell good insurance.
OTOH, isn't the State Farm a place they put criminals and have them do
farming tasks during work hours? I'm not sure I want to criminals to
see my credit card number
I have been driving for 40 years and never once called a tow truck.
So $55 x 40 years = $2200 wasted
How many years have you been driving? How many times have you actually needed a tow truck?
FWIW, the best insurance is to hang up the cell phone and keep your eyes on the road.
I've never had such insurance either.
In all the years I've been driving the only time I really would have
needed some help was when I got a flat tire. I was not totally healed
from knee surgery and I did not want to risk messing up my knee or
dealing with changing a tire on a busy street.
I just drove slowly to a car repair outfit that was walking distance
from my house. They said the tire was shot and put a new one on while I
went home to relax. The whole thing cost me $100.
I've had two tows in 53 years. In addition, I had a flat tire in my
driveway at home. GM provided roadside assistance so they sent the
dealer to repair the tire and put it back on. I'm still way ahead.
I had AAA for many years and only used them once for a jump. Much
money wasted. In recent years I've joined a free Allstate service and
never had to use them. Much money saved.
(I don't have Allstate auto insurance so no rate increase worry though
with a paid service you wouldn't think that would be a problem.)
Might consider going with one of the self-sealing or "run flat"
self-supporting tires, then. At least reasonable chance of being able
to get to service as long as don't hit something so large with the
self-sealing they can't seal. The run-flats have an internal mostly
mechanical supporting structure that lets you get 50-60 miles at least.
Put the self-sealing Uniroyals on the car for mother years ago -- we're
on rural dirt roads and flats are routine. She at least never got
stranded. I understand Uniroyal has quite making theirs but I believe
Continental and perhaps a few others still do...
Several years back I bought a new Honda that came with run-flat tires.
It seemed a good selling point at the time but I found that it took
special equipment and training to change the tire and the vast
majority of tire shops couldn't do it. In my area the only place that
could change them was the Honda dealerships. If on a trip and you had
a flat (an air-out), and no authorized tire shop within the run flat
driving range, you drove to a tire shop and they removed the whole
tire/wheel assembly and a new tire/wheel was FedExed in by the next
day (hopefully). In the meantime you had to get a motel for the night.
Honest, that was Honda's solution. When I found out those details I
got the dealership to change our my run-flats for regular tires though
I had to sign my life away to do it. Something about the suspension
being designed for the run-flats. I kept the car for 3 years and never
had a flat so perhaps I wasted my time with that move. Hopefully
things are better with run-flats now.
HomeOwnersHub.com is a website for homeowners and building and maintenance pros. It is not affiliated with any of the manufacturers or service providers discussed here.
All logos and trade names are the property of their respective owners.