Car insurance rates and metaphorical sodomy
I don't remember because that was almost 15 years ago. :|
'76 911S | '14 328xi | '17 GTI | In memoriam: '08 848, '85 944

"Here, at last, is the cure for texting while driving. The millions of deaths which occur every year due to the iPhone’s ability to stream the Kim K/Ray-J video in 4G could all be avoided, every last one of them, if the government issued everyone a Seventies 911 and made sure they always left the house five minutes later than they’d wanted to. It would help if it could be made to rain as well. Full attention on the road. Guaranteed." -Jack Baruth
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Yes it's ridiculously cheap to insure 2 cars and a house now.
2019 Accord Sport 2.0 A/T
2012 Civic Si - Sold
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.RJ Wrote:Holy shit, do rates just fall out of the bottom when you get married?

I can insure the both of us, and both cars, for 30% less than what I was paying for myself and one car. Doesnt help that my rates had been hiked up year over year with Liberty Mutual.


Odd, mine didn't drop at all and I cross shopped; but Jess and I didn't have priors by the time we got married.
2020 Ford Raptor
2009 Z06
1986.5 Porsche 928S
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So I got my renewal and my rate jumped 20% due to the reckless ticket on my wife's driving record... that my wife never got... as in never got pulled over or got at ticket in the past 5 years. You would think insurance companies would realize occasionally the 3rd party reporting agencies mess up - you would be wrong. I now have the pleasure of fighting exploredata.com .

F insurance companies.
Why do people just post what they are thinking? Without thinking.

2012 Ford Mustang
1995 BMW 540i/A
1990 Eagle Talon TSI AWD
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ViPER1313 Wrote:So I got my renewal and my rate jumped 20% due to the reckless ticket on my wife's driving record... that my wife never got... as in never got pulled over or got at ticket in the past 5 years. You would think insurance companies would realize occasionally the 3rd party reporting agencies mess up - you would be wrong. I now have the pleasure of fighting exploredata.com .

F insurance companies.
Ugh man that sucks :x I've had to occasionally deal with a "driving on suspended license" charge my wife had that she was errantly cited for (some paperwork mishap at the WV DMV that never got sorted out, because West Virginia). It's been many, many years but for some reason some carriers still pick it up on her record and rate her extra for it. Our current carrier does not, but it seems to be a crapshoot when I shop around.
Posting in the banalist of threads since 2004

2017 Mazda CX-5 GT AWD Premium

Past: 2016 GMC Canyon All Terrain Crew Cab / 2010 Jaguar XFR / 2012 Acura RDX AWD Tech / 2008 Cadillac CTS / 2007 Acura TL-S / 1966 5.0 HO Mustang Coupe
2001 Lexus IS300 / 2004 2.8L big turbo WRX STI / 2004 Subaru WRX / A couple of old trucks
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So my State Farm bill randomly increased by $20/month and the billing has been all over the place as they have been struggling with some kind of billing issues. Guess I get to start the shopping process again! Also doesn't help that I have neighbors that were with State Farm who also moved from NC and their bills actually went DOWN. I get that individual rates are different for each person / family, but I see no reason why with a perfect current record and low vehicle usage that my bills should go up in SC while others go down
Posting in the banalist of threads since 2004

2017 Mazda CX-5 GT AWD Premium

Past: 2016 GMC Canyon All Terrain Crew Cab / 2010 Jaguar XFR / 2012 Acura RDX AWD Tech / 2008 Cadillac CTS / 2007 Acura TL-S / 1966 5.0 HO Mustang Coupe
2001 Lexus IS300 / 2004 2.8L big turbo WRX STI / 2004 Subaru WRX / A couple of old trucks
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State Farm Guy: "Fuck this customer in particular"
Now: 07 Porsche Cayman S | 18 VW Tiguan

Then: 18 VW GTI Autobahn | 95 BMW M3 | 15 VW GTI SE | 12 Kia Optima SX | 2009 VW GTI | 00 BMW 540i Sport | 90 Mazda Miata | 94 Yamaha FZR600R | 1993 Suzuki GS500E | 2003 BMW 325i | 95 Saab 900S




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Back with GEICO after my wonderful experience with Progressive. One of the Progressive agents had the gall to tell me "maybe you should talk with your wife" while resolving the Motor Vehicle History error... my response was "maybe I should talk with your supervisor"... which I did.... at length.

So now my insurance is $70 cheaper every 6 months... Now at $850 premium with 4 cars for 2 drivers, 250/500k limits, full coverage with $500 deductible on everything but the Talon.
Why do people just post what they are thinking? Without thinking.

2012 Ford Mustang
1995 BMW 540i/A
1990 Eagle Talon TSI AWD
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I just tried insuring the 911 with Haggerty again* and it's still not cheaper than Geico ($775 vs. $465). It looks like it all hinges on the fact the deductible options are in multiples of $1000, so you're forced into $0 unless you want to open yourself up to paying out for any minor incident. Lame.

*last time they wouldn't because you have to own more cars than drivers
'76 911S | '14 328xi | '17 GTI | In memoriam: '08 848, '85 944

"Here, at last, is the cure for texting while driving. The millions of deaths which occur every year due to the iPhone’s ability to stream the Kim K/Ray-J video in 4G could all be avoided, every last one of them, if the government issued everyone a Seventies 911 and made sure they always left the house five minutes later than they’d wanted to. It would help if it could be made to rain as well. Full attention on the road. Guaranteed." -Jack Baruth
  Reply
Leaves Esurance, goes to State Farm, calls Esurance and their rates are magically lower again than State Farm. At least Esurance's rates stay consistent through the policy term, maybe I should just cancel every 6 months and sign up as a new customer? :lol:
Posting in the banalist of threads since 2004

2017 Mazda CX-5 GT AWD Premium

Past: 2016 GMC Canyon All Terrain Crew Cab / 2010 Jaguar XFR / 2012 Acura RDX AWD Tech / 2008 Cadillac CTS / 2007 Acura TL-S / 1966 5.0 HO Mustang Coupe
2001 Lexus IS300 / 2004 2.8L big turbo WRX STI / 2004 Subaru WRX / A couple of old trucks
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WRXtranceformed Wrote:Leaves Esurance, goes to State Farm, calls Esurance and their rates are magically lower again than State Farm. At least Esurance's rates stay consistent through the policy term, maybe I should just cancel every 6 months and sign up as a new customer? :lol:

It's a pretty common tactic to offer new customers lower rates to get them to sign on and then inch rates upward. Everyone should be shopping around every 1-2 years to make sure they aren't getting hosed.
'76 911S | '14 328xi | '17 GTI | In memoriam: '08 848, '85 944

"Here, at last, is the cure for texting while driving. The millions of deaths which occur every year due to the iPhone’s ability to stream the Kim K/Ray-J video in 4G could all be avoided, every last one of them, if the government issued everyone a Seventies 911 and made sure they always left the house five minutes later than they’d wanted to. It would help if it could be made to rain as well. Full attention on the road. Guaranteed." -Jack Baruth
  Reply
Anybody have experience with Erie?

I've been with Geico since I started driving and figure I ought to start shopping around every 6-12 months. Jeff Hall (from NASA) is having someone reach out to me for a quote but I'd like to cross shop Erie with a few others.
Now:
'16 Ram 1500 | '97 BMW M3 | Some Press Loan

Then:
87 BMW 325e | 91 BMW 535i | 96 BMW 328i | 95 BMW 325i | 95 Mazda Miata | 13 Focus ST | 09 BMW 128i | 00 Pontiac Firebird | 05 Yukon Denali | 96 BMW 328iC | 11 Ford F-150 | 06 BMW M3 | 10 Range Rover SC | '03 Ford Ranger | '18 Ford F-150 | '01 BMW X5 | '98 Volvo S70 T5M
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I have Erie and have for a few years and love it so far. I came from Geico and actually found savings with Erie. My friend that works in a bodyshop says Erie is one of the best to deal with if/when you find yourself needing repairs when it comes to not trying to cut corners/aftermarket parts, etc. during the repair process. My agent is a JMU alum as well if you would like some contact info.
2006 Subaru WRX STi
2002 BMW 325i
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We have Erie for home and auto. Great dealing with our local agent and pricing is really good. Haven't seen an increase in the 2 years we have been with them.
2019 Accord Sport 2.0 A/T
2012 Civic Si - Sold
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Glad to hear. They can save me nearly $500 a year between the two cars so this is encouraging. I'm working with one of Jeff's agents but thank you guys for the info!
Now:
'16 Ram 1500 | '97 BMW M3 | Some Press Loan

Then:
87 BMW 325e | 91 BMW 535i | 96 BMW 328i | 95 BMW 325i | 95 Mazda Miata | 13 Focus ST | 09 BMW 128i | 00 Pontiac Firebird | 05 Yukon Denali | 96 BMW 328iC | 11 Ford F-150 | 06 BMW M3 | 10 Range Rover SC | '03 Ford Ranger | '18 Ford F-150 | '01 BMW X5 | '98 Volvo S70 T5M
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Isn't there something special about Erie that makes them harder to get with or something?

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Current:
2011 F150 Platinum | 1995 BMW 325i 1983 BMW 320i  The MMoped | 2008 BMW 128i
Past:
1996 Toyota Tacoma: | 1992 Mazda Miata | 2002 BMW 325i |
2003 Toyota Tacoma | 1995 Miata M Edition | 1997 Subaru Outback |
1992 Mazda Miata | 1990 BMW 325i  | 2007 Toyota 4Runner | 
1995 Ford Windstar 1987 BMW 325i | 1987 BMW 325 | 1990 BMW 325i Vert |
2018 VW GTI | 1990 Mazda Miata | 
1989 BMW 325i Vert 2015 Fiesta ST | 1983 BMW 320i parts car
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Senor_Taylor Wrote:Isn't there something special about Erie that makes them harder to get with or something?

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No
2019 Accord Sport 2.0 A/T
2012 Civic Si - Sold
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Get an Esurance quote too if you can, they have almost always beat all the other providers whenever I have shopped
Posting in the banalist of threads since 2004

2017 Mazda CX-5 GT AWD Premium

Past: 2016 GMC Canyon All Terrain Crew Cab / 2010 Jaguar XFR / 2012 Acura RDX AWD Tech / 2008 Cadillac CTS / 2007 Acura TL-S / 1966 5.0 HO Mustang Coupe
2001 Lexus IS300 / 2004 2.8L big turbo WRX STI / 2004 Subaru WRX / A couple of old trucks
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WRXtranceformed Wrote:Get an Esurance quote too if you can, they have almost always beat all the other providers whenever I have shopped

I ran them today, they were going to be $200/year more than Geico!
Now:
'16 Ram 1500 | '97 BMW M3 | Some Press Loan

Then:
87 BMW 325e | 91 BMW 535i | 96 BMW 328i | 95 BMW 325i | 95 Mazda Miata | 13 Focus ST | 09 BMW 128i | 00 Pontiac Firebird | 05 Yukon Denali | 96 BMW 328iC | 11 Ford F-150 | 06 BMW M3 | 10 Range Rover SC | '03 Ford Ranger | '18 Ford F-150 | '01 BMW X5 | '98 Volvo S70 T5M
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Jake Wrote:
WRXtranceformed Wrote:Get an Esurance quote too if you can, they have almost always beat all the other providers whenever I have shopped

I ran them today, they were going to be $200/year more than Geico!
Wow that's crazy! Just goes to show how different people are rated so differently by the same companies
Posting in the banalist of threads since 2004

2017 Mazda CX-5 GT AWD Premium

Past: 2016 GMC Canyon All Terrain Crew Cab / 2010 Jaguar XFR / 2012 Acura RDX AWD Tech / 2008 Cadillac CTS / 2007 Acura TL-S / 1966 5.0 HO Mustang Coupe
2001 Lexus IS300 / 2004 2.8L big turbo WRX STI / 2004 Subaru WRX / A couple of old trucks
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