Level VI Member
Join Date: Jan 2017
Location: Fort Worth Texas
Mentioned: 4 Post(s)
Tagged: 1 Thread(s)
Quoted: 102 Post(s)
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There's ALWAYS a penalty paid for accidents, it's just that it is built into the average rates and increases now, you don't see it and why they now say no you don't. More gimmick. Look at what you pay compared to 20 years ago. The intercompany assumption is that you WILL have an accident on averages now rather than not having any at all. You now pay for it even if you don't have one, they rate you as more of a risk every year you are with them. I predicted that policy change many years ago. Like the way you pay more for a newer car 'because it's new' and more for an older one 'because it's older', the excuses for higher rates are simply stupid now and fit perfectly in a Trump universe.
Why the rates at first are so different from 5 years out now. If you stay with a company for 5 years I can tell you you are paying WAAAAY too much. I switch almost every year now. If not you get rates jacked up bigtime once they get past that first year. How they can show you again the $500 savings when you switch companies, the assumption is based on 5 years. I force more than that by switching every year. Had to jump up to 6 months last year when they wanted to increase $125 after only 6 months with still a perfect record. Nope, not this boy......................I play those suckers against each other all day long. Why they switched to 6 month periods too, to jack up rates faster but in SMALLER amounts to make you overlook that fact. Sucker...................they SEE that in your insurance history and by switching often they give you lower rates trying to get you to stay longer. Try it and see what your starting rates go to. Mine dropped like a rock. My last renewal went up $2.
Like the older car /newer car thing...............you pay more being a bad driver and more being a good driver, your driving record doesn't mean spit any longer other than as an excuse generator. Anybody looking at accident forgiveness and thinking it's something they gave into, that is simply WRONG. More like built in to cover the huge rates now and simultaneously shut you up too.
Last edited by amc49; 08-15-2017 at 07:19 PM.