Car Insurance WTF???

Car insurance rates are a friggin' joke...

Had a '99 Jeep Wrangler with a soft top for about 3 years. Gas mileage is kicking my a@@!!! Traded in Jeep & bought 2004 Chevy Cavalier (4-cylinder). Called insurance agent with VIN Number and was told insurance will go down $313 / year :thumbs2:

That was two days ago.

Get bill in mail today...rate goes up $20/month. WTF.

Call Progressive. They tell me that my insurance went up $190 / year. (miscommunication w/ insurance agent).

I can not logically understand how a 4-cylinder Chevy (domestic) Cavalier could possibly cost more to insure than a '99 Jeep wrangler with soft top (Easy to roll -- have done it in the past).

PS -- Have clean driving record (no tickets or accidents) for past 6 years.

I say once again -- WTF

Progressive-> :flame: <-Me

it's insurance, they expect everyone to bend over and take it without raising a fuss

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Originally Posted by pinhead

I can not logically understand how a 4-cylinder Chevy (domestic) Cavalier could possibly cost more to insure than a '99 Jeep wrangler with soft top (Easy to roll -- have done it in the past).

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Jeep = 1999
Cavalier = 2004

Newer = more $$$$$$$

I'm sure if you look at the policies, you'll see the increase is in the collision, comprehensive area. As 3fs said newer=more $$

oh but how do they justify 150% hicked in canada post 911 because of an "increased security threat. The highest rate hikes were in bloody newfoundland

They really are progressive

Take it from my experience and others in my family

RUN AWAY FROM PROGRESSIVE
RUN FAR, FAST, DONT LOOK BACK
Evil devil-spawns they be!

Went with AAA Car Insurance. No problems and a bit cheaper.

Shop around...Progressive Sucks....

I just bought a house and had them look at all my stuff, got my car insurance down from 655 every 6 months to 855 a YEAR......I was VERY pleased with that!! :thumbs:

I got a letter awhile back that I could be part of a class action lawsuit against Progressive because of their overcharging customers. Sent it back haven't heard anything back yet. :flame:

I recently changed from Progressive to Unitrin (www.unitrindirect.com) I got much better coverage, and my price for a year from Unitrin was around what Progressive was charging me for 6 months.

Aren't rates set on Federal level?

Then don't forget how credit rating can jack it all up as well...

I've got mine through MetLife (they bought the business from USF&G) http://www.metlife.com/Applications/...,P2307,00.html. Also, check out GEICO if you have clean record.

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Originally Posted by machineman

Aren't rates set on Federal level?

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I believe the government only requires that insurance companies charge 'something' extra for people who have certain violations. Either way, see my above post for what happens in the real world.

I believe the precise insurance rates and accepted practices are set on a State level by the Insurance Commissioner. Speaking of which, ours is being Impeached and prosecuted even as I type. https://forums.windrivers.com/images.../2005/03/1.gif

*edit* here's the story http://www.channeloklahoma.com/news/3718140/detail.html

Find a new insurance company pronto! Also, if you rent, get a renters insurance policy for like $125 per year, under $10 per month or...get a 10 year term life policy for $50K it should be about the same $$ as the renters policy...you can get either one. If you have a renter's, home owners, or life policy from the same company as your auto, you automatically get 15%-20% off for having multiple policies.

Auto $125 per month
Term Life/Renters $10 per month
Total $135
20% discount

New Total $108

These are just hypotheticals but in this senerio you would save $27 per month, $324 per year.

Good Luck

How I so love my USAA?

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Originally Posted by Cleetus

How I so love my USAA?

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I used to use them. Then they totally f#cked up one of my claims. The stupid claims adjuster never answered the phone and never called back when I left messages. What really ticked me off was when she sent a letter saying, "We have been trying to contact you but were unsuccessful..."

So what should've been a 'no fault' accident was instead deemed at fault, because the stupid adjuster never bothered getting any info from me.

That B!TCH!!!!!



They also charged me rather a lot.