Comments for Car Insurance Connection

Comment on When was the last time you reviewed your auto insurance policy? by Jim Phelps

Jim Phelps — Sat, 26 Jan 2008 02:13:01 +0000

As an agent, I would recommend pricing around every year or two. Companies are always changing rates and discounts, so like the last post says, the best rate last year may not be this year.

Comment on What was the last car accident you were in? by Jim Phelps

Jim Phelps — Sat, 26 Jan 2008 02:11:05 +0000

Three years ago, 5 car pile-up on the interstate. A suburban lost control in front of me in a construction zone. They swerved, blocked my lane and I T-boned them. We were rearended too. Kind of sandwiched. No major injuries, just a broken leg in one of the cars. Here’s the kicker. The driver of the Suburban SUED everyone else in the crash and our insurance companies actually paid the SOB. It was cheaper to settle than defend. What a crock. I was insured by Progressive and they did a great job handling my claim. I know some people have issues with them, but I’m still with them 3 years later. And I’m an independent insurance agent who can write with a dozen different companies.

Comment on How much do you pay for your car insurance? by Gil Davis

Gil Davis — Mon, 31 Dec 2007 06:21:39 +0000

I’m paying $69 and some odd change per month for full coverage with $250 deductible on collision and $100 deductible on comprehensive. This also includes medical payments of $5,000 and uninsured motorists. My limits are $100,000 per person,$300,000 per accident, and $100,000 property damage. I drive a 2005 Chrysler Town and Country LX minivan. My credit score is about 785, and I live in central Albuquerque, New Mexico, so I imagine those are about the cheapest rates I’m going to get from AIG Insurance.

Comment on Would Ron Paul repeal mandatory car insurance laws if he could? by Gil Davis

Gil Davis — Mon, 31 Dec 2007 06:11:09 +0000

I don’t know if he would. I think the American public is so brainwashed as thinking it’s necessary for government to mandate laws to take away our freedom of choice. I have always carried auto insurance, be it mandatory or not. My prediction from the outset was that auto insurance companies would take advantage of the law to raise premiums. As a 25 year old adult, I was paying about $325 per year for full-coverage, glass breakage protection, and a $250 ded. on comp and collision, PLUS uninsured motorist coverage on a 2 year old car. And insurance was not mandatory. Today, I’m having problems finding insurance under $1,000 per year…no accidents, a 3 year old minivan, the same $250 deductable, no glass breakage protection. Most of my quotes are around $1400 – $1800 per year–even with a credit score near 800!!! Tell me if mandatory insurance is good for ANYONE except the insurance companies. As an adult, I certainly do not need the government telling me to wear a seatbelt (I have since they’ve been available on cars), buy insurance, or wear a helmet when I ride my motorcycle (why isn’t there a government mandate on THAT?). Get the corporations OUT OF OUR GOVERNMENT and let the PEOPLE have it back!!!

Sincerely,

Gil Davis

Comment on What was the last car accident you were in? by Car Insurance Question - What was the last car accident you were in? « Dieringer’s Weblog

Wed, 21 Nov 2007 17:31:27 +0000

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Comment on When was the last time you reviewed your auto insurance policy? by Gabriel

Gabriel — Fri, 19 Oct 2007 21:53:24 +0000

It is recommended that you review your auto insurance policy often. As CarInsurance.com says, “The best rate last year, may not be the best rate this year!”

Comment on When was the last time you reviewed your auto insurance policy? by When was the last time you reviewed your auto insurance policy? at Auto Insurance

Fri, 19 Oct 2007 09:52:53 +0000

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Comment on What was the last car accident you were in? by Gabriel

Gabriel — Thu, 18 Oct 2007 16:00:35 +0000

The last accident I was in was a long time ago. I was a young driver, driving on the freeway with my family and my dog in the back. My dog kept on making weird sounds, and I made the mistake of glancing back at her to see what was going on. In that split second of time, the car in front of me stopped abruptly, and I hit their car.

We didn’t hit that hard, but it was enough that the police had to come out and fill out a crash accident report.

The people in the other car were ok, and the people in my car were fine too. I was a much more careful driver after that.

I’ve always remembered what the policeman asked me:

“So, were you driving too fast, or were you following too close?”