Car Insurance

Discussion in 'Shopping & Sales' started by Babs Hunt, Sep 26, 2017.

  1. Babs Hunt

    Babs Hunt Veteran Member
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    Yes, they just deduct it from our checking account too...but they do sent you a renewal notice every six months with in our case a raise in premiums too.
     
    #26
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  2. Chrissy Cross

    Chrissy Cross Veteran Member
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    If they do I don't notice ...I just throw the envelope in my glove compartment. So far everything is the same, maybe a few dollars more since I got it 5 yrs ago.
     
    #27
  3. Babs Hunt

    Babs Hunt Veteran Member
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    After nine years of raised premiums (if I live that long) I'd probably think $5 off a month would be a big discount Holly. I really don't plan to be driving in nine years anyway...I don't love it now and at 75 I will absolutely hate it.
     
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  4. Babs Hunt

    Babs Hunt Veteran Member
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    Well each state is different, but I am the bill payer over here so I definitely notice when anything changes.
     
    #29
  5. Holly Saunders

    Holly Saunders Veteran Member
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    LOL...I meant if you haven't made any claims in the previous 9 years ..not the next 9 years... :D
     
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  6. Chrissy Cross

    Chrissy Cross Veteran Member
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    Ive never made any claims...Ive never been involved in an accident.
     
    #31
  7. Babs Hunt

    Babs Hunt Veteran Member
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    Well I can't get back those 9 years that are already past Holly, so I just had to go for the next nine. :)
     
    #32
  8. Cody Fousnaugh

    Cody Fousnaugh Very Well-Known Member
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    I went for literally years without having auto or motorcycle insurance in Southern California. During that time, it was not a requirement to have it, but a person was suppose to have "financial means" to pay for an accident, of which I did not. I took a real chance not having any, but with the salaries I was getting, I just couldn't afford it.

    We have two vehicles and have both insured. Have our boat and apartment insured as well.
     
    #33
  9. Babs Hunt

    Babs Hunt Veteran Member
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    That's what to many people have are and have been doing over here @Cody Fousnaugh and that's a big part of the reason those who do have insurance are paying higher premiums.

    My Insurer told me yesterday that many states are really cracking down on the uninsured now and not only are they getting fined for the whole time they didn't have insurance but because they went without insurance for so long...most insurance companies do not want to insure them now....or if they do....it will cost them an arm and a leg as they say.

    That still doesn't help the ones who have always kept their vehicles insured though have lower premiums...so we are still getting "punished" for someone else's "sins".
     
    #34
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  10. Bill Boggs

    Bill Boggs Very Well-Known Member
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    My son has one of those.
     
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  11. Bill Boggs

    Bill Boggs Very Well-Known Member
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    Well, you're not very adventurous.
     
    #36
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  12. Babs Hunt

    Babs Hunt Veteran Member
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    Today my auto Insurer called and told me about two ways I could lower my monthly premiums.

    Plugging in a little gadget that would monitor how many times I "stomped" on the brakes, etc. would save me about $4 per month. They can forget about that one...it's none of their business how many times I stomp on my brakes! :eek:

    Then I can take the AARP Smart Driver Refresher Course which would save me $10 or $11 per month on premiums. My Agent told me the Course was free but that's not what AARP says when I looked this Course up...and I am a member too.

    The Course itself sounds like a good thing though and you can take it online for a reasonable price. But they don't tell you whether you will be taking a lot of tests though. I hate tests and always get nervous when it's time to take them...and then I forget everything I learned because of my nervousness. But on the other hand I do love learning and there are some interesting things I'm sure I could learn from taking this Course since I've been driving since I was 14 years old and there are many things that are different now days.

    So I'm going to send AARP an email and ask them if there are tests I have to pass for this Course before I go any further in my consideration of taking it.
     
    #37
  13. Babs Hunt

    Babs Hunt Veteran Member
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    I am happy to say that I took the AARP Driver's Refresher Course online and now I will save 10% on my monthly auto insurance premiums. :)
     
    #38
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  14. Yvonne Smith

    Yvonne Smith Very Well-Known Member
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    Our policy is paid with automatic deduction also, @Chrissy Cross ; but every six month, the policy is renewed, and if there are changes, that is when they take place. We cat an online dctment that explains the changes, and this one has not gone up much since I got it. Before that, I had Liberty Mutual, but each renewal, the price kept increasing; so I went online and started doing price quotes.
    About the eyelashes, @Babs Hunt , I LOVE those too, and if we had a cute little car like yours, I would want eyelashes, too. Like Holly said, I have mostly seen them on the cute little cars, like VW or a Mini, and I think that they look adorable on those cars. Since we see them on so many vehicles, I would think that they must be legal, or people would not have them if they thought they would be stopped and ticketed for having decorative eyelashes on the car.

    We have one of those gadgets that records information, and this one does a lot more than just tell you that you stepped on the brakes too hard, or accelerated too fast. It also gives me a running account of what my gas mileage is, and can do a whole diagnostic check on my car, just like they can do with those bigger ones they plug in at the car shops.
    It works with an app on my phone, and I really like having it. I will have to check with my insurance company and see if I can get a discount from having it...... I like that idea !

    This is what we have, and it is called “Automatic”.
    FC309AB0-3047-4A4E-8EB9-84BE6AFF6436.jpeg
     
    #39
    Last edited: Oct 12, 2017
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  15. Babs Hunt

    Babs Hunt Veteran Member
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    There were quizzes and a final test on the Driver's Refresher Course and I am also happy to say I got 100% correct on all the quizzes but one...and a 92 on the final test. :) And I actually learned a few things I didn't know too.
     
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  16. Holly Saunders

    Holly Saunders Veteran Member
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    Well done Babs.... it seems you're better at Tests than you thought... :D
     
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  17. Jeff Tracy

    Jeff Tracy Well-Known Member
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    After all that time with no-claims you should be paying a lot less than at the beginning ... always use an insurance 'broker' ... don't deal direct with
    the insurance company. Brokers make their living by getting YOU the best deal available out of all of them not just at the beginning but at each
    renewal. I have been using a car insurance broker for nearly fifty years and they are always chopping and changing the people I am insured with
    so that I get the best deal. :D:):D:)
     
    #42
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  18. Chrissy Cross

    Chrissy Cross Veteran Member
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    Thanks but I'm not changing...it won't be too much cheaper and not worth the hassle for me.
     
    #43

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