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Old 01-05-2013, 07:50 AM   #41
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yo Blanco i did a new policy on line with Progressive and saved $225 a year,and got better coverage over geico.Did two cars online and saved over $800 a year on both cars ,and better covage.When you do it on line there is no middleman so you don't pay an agent.Thats over $1000 a year and it took about 45 minutes for all three.Cha chin.
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Old 01-05-2013, 09:16 AM   #42
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alot of people trying to do some insurance fraud up in here.
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Old 01-05-2013, 10:24 AM   #43
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Go with State Farm. They have good rates for bikes. Also, look at increasing you deductibles to save some money.
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Old 01-05-2013, 10:24 AM   #44
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Quote:
Originally Posted by DvlRacer View Post
Also allowed to discriminate based on age. What would happen though if they tried to charge blacks more then whites because blacks crash more?
Why does race always pop up in threads?
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Old 01-05-2013, 10:48 AM   #45
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In another thread, you spoke of making an claim for an at-fault crash that you had. This rate hike should come as no surprise.
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Old 01-05-2013, 10:54 AM   #46
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In another thread, you spoke of making an claim for an at-fault crash that you had. This rate hike should come as no surprise.
Not me.
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Old 01-05-2013, 12:26 PM   #47
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This is funny . I think we have this thread once a month. There is no ONE all insurance company. They all use different factors. Ive been through Tuan on here and other people...no one beats GEICO for me. Like seriously...GEICO is number one for me, i try once a year...never can beat them. Theres so many factors that each company uses, it just depends if you fall in their criteria. Just try everyone.
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Old 01-05-2013, 12:32 PM   #48
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Quote:
Originally Posted by Neon Samurai View Post
This is funny . I think we have this thread once a month. There is no ONE all insurance company. They all use different factors. Ive been through Tuan on here and other people...no one beats GEICO for me. Like seriously...GEICO is number one for me, i try once a year...never can beat them. Theres so many factors that each company uses, it just depends if you fall in their criteria. Just try everyone.
I agree with you, but that fact if everyone wants to about insurance costs until they have to actually use it
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Old 01-05-2013, 12:37 PM   #49
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Quote:
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I agree with you, but that fact if everyone wants to about insurance costs until they have to actually use it
Also to the agents about a premium increase. But they dont go to the gas station and them out for raising the gas prices. Or inflation on groceries, $100 dollar pants that used to be $20, and brand new $600 phones.
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Old 01-05-2013, 12:40 PM   #50
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Quote:
Originally Posted by Neon Samurai View Post
This is funny . I think we have this thread once a month. There is no ONE all insurance company. They all use different factors. Ive been through Tuan on here and other people...no one beats GEICO for me. Like seriously...GEICO is number one for me, i try once a year...never can beat them. Theres so many factors that each company uses, it just depends if you fall in their criteria. Just try everyone.
So if Geico simply said.....voila.....you now are going to pay 1200.00 more per year, and nothing changed about you, your bikes, driving record, home, anything.....except your marital staus.
They would be number one and you would think its some funny ?
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Old 01-05-2013, 12:44 PM   #51
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Quote:
Originally Posted by Blanco View Post
So if Geico simply said.....voila.....you now are going to pay 1200.00 more per year, and nothing changed about you, your bikes, driving record, home, anything.....except your marital staus.
They would be number one and you would think its some funny ?
All State changed my rates because I moved one zip code over. I tried state farm when i moved to texas and they said "Your new to texas so we have to treat you like you just got your license"


They are all fullof .
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Old 01-05-2013, 12:47 PM   #52
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Quote:
Originally Posted by Neon Samurai View Post
All State changed my rates because I moved one zip code over. I tried state farm when i moved to texas and they said "Your new to texas so we have to treat you like you just got your license"


They are all fullof .
true story

No pun intended..
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Old 01-05-2013, 12:47 PM   #53
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Quote:
Originally Posted by Chris_5.0 View Post
Also to the agents about a premium increase. But they dont go to the gas station and them out for raising the gas prices. Or inflation on groceries, $100 dollar pants that used to be $20, and brand new $600 phones.
I want to know how the Ins companies get away with the they pull:

WHat if Wireless Phone companies pulled the same . Charge people a highe rrate because they are not married. Less likey to pay...hit overages...whatever bs could be tagged to it to "justify" the higher per minute plans.
How would that go over?

The problem here is that Ins companies have gotten away with thier practicies so long and no one has challenged the legalitiy of discrimination.
I do not have the financial meand to wage a legal battle but I am sure that if one were waged, the courts would eventually force Ins companies to change.
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Old 01-05-2013, 12:48 PM   #54
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That being said, ive used GEICO numerous times...they took care of me.
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Old 01-05-2013, 12:49 PM   #55
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Quote:
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I want to know how the Ins companies get away with the they pull:

WHat if Wireless Phone companies pulled the same . Charge people a highe rrate because they are not married. Less likey to pay...hit overages...whatever bs could be tagged to it to "justify" the higher per minute plans.
How would that go over?

The problem here is that Ins companies have gotten away with thier practicies so long and no one has challenged the legalitiy of discrimination.
I do not have the financial meand to wage a legal battle but I am sure that if one were waged, the courts would eventually force Ins companies to change.
Because tons of people try to rip them off daily maybe? on this forum alone people talk about how to get bikes totaled and bought back and . You really think the insurance company is a government business out to help you?
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Old 01-05-2013, 12:50 PM   #56
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Quote:
Originally Posted by Neon Samurai View Post
This is funny . I think we have this thread once a month. There is no ONE all insurance company. They all use different factors. Ive been through Tuan on here and other people...no one beats GEICO for me. Like seriously...GEICO is number one for me, i try once a year...never can beat them. Theres so many factors that each company uses, it just depends if you fall in their criteria. Just try everyone.
Geico by far had the cheapest rates on both my bikes and now my two 2011 Hondas. The coverge was identical accross the board! If he filed a claim for an at fault accident, divorce or not shouldn't be surprised by the rate hike! Maybe his credit score took a hit due to his divorce; becuase they do factor that in when giving quotes
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Old 01-05-2013, 12:50 PM   #57
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Quote:
Originally Posted by Blanco View Post
The problem here is that Ins companies have gotten away with thier practicies so long and no one has challenged the legalitiy of discrimination.
I do not have the financial meand to wage a legal battle but I am sure that if one were waged, the courts would eventually force Ins companies to change.


Happens all the time actually. each state is different too.
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Old 01-05-2013, 01:11 PM   #58
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Quote:
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I want to know how the Ins companies get away with the they pull:
They got a dream team of lobbiest behind them in Washington supporting every single factor that would help them raise your premiums. It's always the consumer that gets when business and politics are so closely related.
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Old 01-05-2013, 01:21 PM   #59
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Quote:
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Geico by far had the cheapest rates on both my bikes and now my two 2011 Hondas. The coverge was identical accross the board! If he filed a claim for an at fault accident, divorce or not shouldn't be surprised by the rate hike! Maybe his credit score took a hit due to his divorce; becuase they do factor that in when giving quotes
The rate hike was nothing at all to do with the at fault.

Listen to me. It was 10000% due to the fact that one radio button was changed in thier system from Married to Divorced.

My credit rating has taken no hit (verified that with three bureaus).

So surprise...you are going to have a highr rate Mr Blanco just because you removed youe ex-wife's name from your ins card.

No other reason.
Now rather than people suppose reasons that do not exisit...like my one claim, listen to THE REASON.

I also LIKED GEICO for thier servicde provided....the main reason I was with them in the first place.

There is not a person in thier right mind on this board who:
1) WOuld be thrilled and excited to pay an additional 1200.00 for a status change
2) Would remain with Geico for an additonal 1200.00 because they like Geico

Here is the lesson for everyone....never tell the rat insurance company the truth.
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Old 01-05-2013, 01:41 PM   #60
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If that was their reasoning behind your rate hike; then yeah that's bullshit and I would be shopping around too. For some reason insurance companies see a single man as a higher risk, and a married man as more stable and a lower risk. They feed all these risk factors into a huge database and spit out statistics and base their rates on these factors. Honestly man, if I wasn't married I would be out running the streets and partying like I did when I was younger. Being married I am stuck at home and less likely to be out running the streets and becoming a statistic. You might not be that way; but most insurance companies percieve single men this way. Insurance companies rely on computers to make decisons and do not look at the individual. My law firm works on both sides of the insurance industry and I know all of their little tricks.
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