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Car Insurance (what am I missing?)

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Saniflush

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Car Insurance (what am I missing?)
« on: March 03, 2009, 11:31:05 AM »
OK, so I am with the caveman company have minimal coverage with a high deductible and a paid for car.  I only pay a shade under $40 a month and I decided to shop it around thinking maybe I could drop another $10 or so a month off of it. 

Most everybody else that I checked it through were in the same ballpark except EInsurance.  They wanted three times the amount I am paying now.  I was so surprised I even called to ask them why and insure it wasn't some sort of mistake.  They said it was not stating that their costs have gone up so they are passing it along to the customer. 

I think they are looking to put the Kirby on folks.

Anyone got a take on this?
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"Hey my friends are the ones that wanted to eat at that shitty hole in the wall that only served bread and wine.  What kind of brick and mud business model is that.  Stick to the cart if that's all you're going to serve.  Then that dude came in with like 12 other people, and some of them weren't even wearing shoes, and the restaurant sat them right across from us. It was gross, and they were all stinky and dirty.  Then dude starts talking about eating his body and drinking his blood...I almost lost it.  That's the last supper I'll ever have there, and I hope he dies a horrible death."

Snaggletiger

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Re: Car Insurance (what am I missing?)
« Reply #1 on: March 03, 2009, 12:05:13 PM »
3 times the average premium is more than a little excessive.  Insurance premiums are regulated to a degree by each State's Insurance Commissioner and they aren't allowed to gouge or slip shit in.  A company has to be able to justify premiums and rate increases based on a lot of different factors.  Obviously, you're going to have certain companies much higher on average etc. but you can't just arbitrarily go, "Well, we've had a fucked up year so we'll just make our insureds foot the bill." 
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My doctor told me I needed to stop masturbating.  I asked him why, and he said, "because I'm trying to examine you."

Kaos

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Re: Car Insurance (what am I missing?)
« Reply #2 on: March 03, 2009, 12:44:24 PM »
Quote from: Saniflush on March 03, 2009, 11:31:05 AM
OK, so I am with the caveman company have minimal coverage with a high deductible and a paid for car.  I only pay a shade under $40 a month and I decided to shop it around thinking maybe I could drop another $10 or so a month off of it. 

Most everybody else that I checked it through were in the same ballpark except EInsurance.  They wanted three times the amount I am paying now.  I was so surprised I even called to ask them why and insure it wasn't some sort of mistake.  They said it was not stating that their costs have gone up so they are passing it along to the customer. 

I think they are looking to put the Kirby on folks.

Anyone got a take on this?

Stay with Geico.  I like the lizard.
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If you want free cheese, look in a mousetrap.

chinook

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Re: Car Insurance (what am I missing?)
« Reply #3 on: March 03, 2009, 12:47:25 PM »
my wife likes my lizard. 
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Saniflush

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Re: Car Insurance (what am I missing?)
« Reply #4 on: March 03, 2009, 05:50:43 PM »
Quote from: Kaos on March 03, 2009, 12:44:24 PM
Stay with Geico.  I like the lizard.

Oh I am, I just found the difference amazing.
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"Hey my friends are the ones that wanted to eat at that shitty hole in the wall that only served bread and wine.  What kind of brick and mud business model is that.  Stick to the cart if that's all you're going to serve.  Then that dude came in with like 12 other people, and some of them weren't even wearing shoes, and the restaurant sat them right across from us. It was gross, and they were all stinky and dirty.  Then dude starts talking about eating his body and drinking his blood...I almost lost it.  That's the last supper I'll ever have there, and I hope he dies a horrible death."
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