I need to change providers, at my last renewal my rates went up 5% so I
want to look around. I haven't got much time though, next renewal is due
in a month. Is that enough time?
Saw an ad for these 'Get the :: BEST HOME INSURANCE DEALS :: for your
house today!' (http://www.homeinsuroffers.com ) so thought I'd do it all
online but would appreciate some recommendations.
If you're 50 or older, look into the insurance program through AARP.
While I disagree with their stance on many things, I LOVE their
insurance through The Hartford. Have both home and auto through them
and I cannot say enough good things about them.
Haven't had a claim on the homeowners, but did have a substantial claim
on the auto a couple years into my coverage with them. It was handled
promptly, fairly and because I'd been with them for 3 years at that time
they waived my deductible AND "forgave" me the accident - my rates did
not go up.
Their rates have held the line or decreased the past couple of years
(and I have a policy with full coverage and high limits).
On Fri, 11 Oct 2013 19:42:38 -0400, email@example.com wrote:
Who says I fell for it? I knew the poster (who is no more likely to
be named Chloe than I am) was advertising his own webpage. But
convincing people of that is a harder task so I gave a reason easier
to convince people of to avoid the page.
I have had super experience with State Farm for autos, home owners, and
businesses. In fact, I emailed them last night about new vehicle
insurance and got a reply with the premium amount this morning via email.
State farm is always on the ball when it comes to GETTING your money.
You don't know how good or bad any company is untill it's time for
them to GIVE you money. Around here (Kitchener Ontario) State Farm
has a bad rep from both claimants and shops doing their repairs. Part
of it may have to do with the agent, but a large part of it is the
And insuring with a BANK??? Even worse. Daughter's boyfriend had is
pride and joy - a MINT Chrysler 300 stolen off his parents driveway,
wrecked, and burned. The cops found it before he even knew it was
missing and it took OVER FOUR MONTHS to get a settlement. That was
with RBC (Royal Bank) insurance. They didn't pay anything close to
what it was worth either
On 10/11/2013 4:59 PM, firstname.lastname@example.org wrote:
Did it take four months to get an offer or to get an acceptable one?
Everyone I've ever heard of losing a car says the car was "mint" and it
is not. There also is no way to prove it was exceptional once it is
burned. To an insurance company it is just another average car with
value determined by averages in a book. If your car is exceptional you
have to prove it and maybe have a rider.
Very few cars are truly mint and I've never seen a daily driver that
was. It is an overused term usually misused.
To get the FIRST offer. For 4 months they were trying to find a way to
keep from having to pay.(anything) They knew what condition the car
I drove the car 3 weeks before it was stolen. Not a scratch on it -
not a scuff on the leather - you could have eaten off the engine. He's
a truck mechanic - and a VERY fussy one.
They had all the pictures. It was show condition
They were trying to prove he had it stolen. Both sets of keys were
accounted for, and the insurance co didn't believe the car could be
stolen without the key, with the anti-theft system. Turns out there's
a code box that can generate the pats code or whatever in a matter of
seconds to minutes, bypassing the antitheft system.
The poor guy had to drive my wife's old Mystique (which we were ready
to scrap) until they paid up - and he bought an old GM Yukon. He
decided there was no way he was making payments on TWO cars when he
only had one.
On 10/11/2013 11:09 PM, email@example.com wrote:
That sounds sleazy of them.
That is BS. A pro can take a car faster than most owners can using the
key. I've seen it done. If a human can design a security system,
another can find a way to defeat it. IMO, you are better off not
locking your car as the petty thieves won't damage the windows when they
get in your car and find nothing to steal.
On Friday, October 11, 2013 11:24:08 PM UTC-4, Ed Pawlowski wrote:
When I was in college I had a Fiat Spyder convertible. I
considered what you're talking about, which is even worse
with a convertible. They can just slice the top. So, I
put an alarm in and always left it unlocked. The alarm
went off several times over the years, but they never
damaged the car.
On Sat, 12 Oct 2013 07:07:25 -0700 (PDT), " firstname.lastname@example.org"
Spyder was a nifty looking car.
My brother had a Chevy convertible. He lost a $5 pair of sunglasses
and a $200 top.
Over the years, I've had my car "opened" a few times. Total loss so
far is a quart of oil in the back of my Ghia. Couple of other times
the junk in the glove box was on the floor. Other cars on the street
had broken windows, pry marks on door frames.
On Sat, 12 Oct 2013 07:49:12 -0400, Stormin Mormon
But that doesn't end up (usually) with the car wrecked and burned in
a ditch or gravel pit 30 miles away within a couple of hours.
What got the insurance co going off on a tangent is Pete paid more for
the car than they thought it was worth, and less than a year later
it's a total loss, and he has both sets of keys, and the insurance
settlement would ALMOST pay what he still owed (and he made a pretty
good down payment). They were thinking "buyers remorse" and "contract
disposal" and "insurance fraud" - and wouldn't even consider any other
He loved that car almost as much as my daughter, or his kids.
That daughter works in the insurance business - and is capable of
giving the offending insurance co some serious grief if she puts her
mind to it.
As I understand it, an "agency" is much like a "franchise". Someone
with a little bit of money wants to own their own business and decides
on insurance - goes to an insurance company and becomes a salesman for
that company and then pays for the opportunity to run their own office
- as an "agent" for that insurance company.
This is different than a "brokerage" where a company must represent,
or handle product from, a minimum of 3, or 5, or whatever number of
different companies, and they must be licenced and registered with
whatever professional association regulates the business in the state
or province the operate in. In Ontario a broker must be a member of
the Insurance Brokers Association of Ontario (IBAO), and all sales
persons and customer service representatives must also be licenced and
certified, which involves training and constant upgrading to maintain
You might get a "disgusting" broker too - but in most brokerages they
get weeded out, or the brokerage doesn't last very long. (some
"brokerages" are one or two man operations, like many agencies, and
some agency offices are quite large - but on the whole , brokerages
are larger businesses than agencies)
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