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Old 04-25-2014, 02:01 PM   #21 (permalink)
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Quote:
Originally Posted by redpoint5 View Post
FYI- Going over 30mi per day results in a lower discount.
this is what I think will kill me

~60 miles each way (120 miles/day - 30K miles/ year commuting alone)


I guess USAA has a similar program
they are offering a 5% discount (I think) to put the things on our cars
not sure I wanna risk it.

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Old 04-25-2014, 06:46 PM   #22 (permalink)
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USAA also gives a hell of a discount for officers when they buy a mercedes.
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Old 04-26-2014, 02:42 PM   #23 (permalink)
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Quote:
Originally Posted by Cobb View Post
USAA also gives a hell of a discount for officers when they buy a mercedes.
I did a quick search and just saw:

Quote:
USAA Rates as low as: 0.59% apr for 36 months

Rate discounts available when you purchase through the USAA Car Buying Service†. See How »
Exclusive Offer $500 in incentive savings

Estimated Dealer Price includes $500 in incentive savings from Mercedes-Benz exclusively for USAA members.
Is that discount just for Officers? I do not think that I would make a good one, way too absentminded and forgetful.
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Old 04-26-2014, 04:46 PM   #24 (permalink)
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Hm-m-m-m, which is it really?

Snapshot by Progressive?

...or...

Slapshot by Progressive?

(wink,wink)

Last edited by gone-ot; 04-26-2014 at 08:20 PM..
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Old 04-26-2014, 08:16 PM   #25 (permalink)
ron
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Id say slap shot. you wont get me sending in my driving style, all you need to do is go over the speed limit and up go your rates, continue and they will drop you like a hot potato
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Old 04-26-2014, 10:25 PM   #26 (permalink)
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Just got an email from Progressive today... saving 30% on the Camry I almost never drive.
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Old 04-26-2014, 11:11 PM   #27 (permalink)
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We dropped progressive after a little disagreement we had. Picked up insurance, home and auto, through Erie Insurance and spend $77 a month for full coverage on the wifes and liability on mine.

Oh yeah, and almost twice the coverage that Progressive had.
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Old 04-27-2014, 11:48 PM   #28 (permalink)
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Quote:
Originally Posted by Cobb View Post
You have an agent?!?!?!? I just get letters, emails and pre-recorded messages. I call after I get the bill and they just say it is what it is.
Yep. When I bought my first real car (ie, not a <$1000 clunker) one of the sales people I worked with 'suggested' a local agent. Been using him for insurance ever since. My rates seem to continuously spiral downwards, and every once in a long while I get a phone call when he figures out he can get me something cheaper.

I've got better things to do with my time than worry about car insurance, frankly. Plus, I have someone to contact that I can actually get a hold of in seconds. Should I ever need to, I can go yell at him in person too.
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Old 04-28-2014, 02:41 AM   #29 (permalink)
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I had an agent for the longest time. It was the same agent my parents went through, and that was all I knew when I was a kid.

After dinging a car in a parking garage, my rates went up to $1,800 for a 6 month policy. I couldn't afford this as a college kid, so I asked my agent if there was anything he could do to reduce the rate. I asked him to verify that I had the absolute minimum legal coverage, and he assured me that my rates were as low as they could go, and I was receiving a "discount" since my parents were also customers.

Forced to either stop driving, or find cheaper insurance, I found another insurance company that insured me for $800/6mo. When I informed my agent that I was going with a different company, he revealed that my rates could be reduced by lowering my coverage amounts. I was pissed that this fat, lazy and rich insurance agent was robbing a poor college student for over a year and had lied to me all along.

The only time I worry about insurance now is when I allow people who have zero motivation to save me money to keep my best interests in mind.

This mindset extends to everything from vehicle maintenance to real estate agents.

The only person that cares to make sure your car is repaired properly, or that your insurance coverage is appropriate, or that a house is suitable, is you. Count yourself as lucky if there are a few other people such as friends or family that have the same concern for your well-being as you do.
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Old 04-28-2014, 05:51 PM   #30 (permalink)
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The Other Andy, oh, ok.

Redpoint, that too was my experience. My parents wanted me to use a family friend of a friend for the past 100 years. I felt my parents were paying too much for insurance. I got a quote and it was 3 times what progressive quoted me. Turns out this guy was a generic insurance company who uses one of the few you see advertised on tv. I guess he pockets the difference?

For giggles I went to get a quote for my father from progressive and was told 36 bucks a month for full coverage 500 deductible. He was being charges 200 a month from this "friend".

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