|
|
Post by Baloo on Nov 6, 2003 9:50:22 GMT -5
I want to know a few things about (car) insurance...
1) Why is it that they can look at our credit rating and raise our rates based on our score? Being that insurance is something you have to have by law, wouldn't that be like the electric company looking at your score and charging you based on your credit?
2) Why is it that they can raise your rates based on age/sex? Isn't that blatant descrimination? I understand that certain people fall into different 'risk catagories', but it still seems like good old fashioned descrimination. What happened to 'innocent until proven guilty?' Shouldn't they charge everyone the same rate in the begining and then rase it as we get into accidents?
3) Why do three companies have the same name? 'AllSTATE' 'FARMers'
|
|
|
|
Post by Tina on Nov 14, 2003 14:52:52 GMT -5
Okay I MIGHT be able to help here!! ;D
1. Believe it or not, there have been studies done that prove that more times than not the people with bad or so-so credit also have bad driving histories. Whether it be accidents or even tickets for that matter.
2. NO!NO!NO! I don't think it is all together fair that a female who is married is no longer classified a youthful driver, but then again I think that is better than having 2 youthful operators on one policy. I also don't think a male should have to wait until he is 25 to get the lowest rate possible either, but thems the brakes!!
3. How funny, I NEVER noticed that one before and I work for State Farm!!
|
|
|
|
Post by Baloo on Nov 14, 2003 15:02:53 GMT -5
Okay I MIGHT be able to help here!! ;D 1. Believe it or not, there have been studies done that prove that more times than not the people with bad or so-so credit also have bad driving histories. Whether it be accidents or even tickets for that matter. 2. NO!NO!NO! I don't think it is all together fair that a female who is married is no longer classified a youthful driver, but then again I think that is better than having 2 youthful operators on one policy. I also don't think a male should have to wait until he is 25 to get the lowest rate possible either, but thems the brakes!! 3. How funny, I NEVER noticed that one before and I work for State Farm!! 1) I have HORRIBLE credit, but... well, I don't want to jinx myself, so I won't tell you my good record  2) I'm now older, but still it's not fair that I had to pay less when I was younger, even though I only had a few fender benders. 3) Odd, huh? |
|
|
|
Post by Tina on Nov 14, 2003 15:04:52 GMT -5
Have you been with the same company for a while??
|
|
|
|
Post by Baloo on Nov 14, 2003 15:07:49 GMT -5
I was with Allstate since 97'. No accidents, GREAT rates, always paid (them) on time, but they checked my credit and then more than doubled my rate  ! Needless to say, I changed to Progressive  |
|
|
|
Post by Tina on Nov 14, 2003 16:11:48 GMT -5
See that is where State Farm is different, if your policy is already in force here we won't change your rates UNLESS you have a lot of tickets and accidents. We are getting a little better with the "placing" of people and have lowered our rates a little. But we are still one of the highest out there, unfortunately.
|
|
|
|
Post by Baloo on Nov 14, 2003 16:17:00 GMT -5
State Farm booted me because I dented an old guy's bumper! It was literally $300 in damage. That's why I went to Allstate. |
|
|
|
Post by CrazyHag on Nov 17, 2003 7:59:08 GMT -5
Car insurance is legal robbery, IMO. |
|
|
|
Post by Baloo on Nov 18, 2003 16:19:56 GMT -5
I think all insurance is, in one way or another.
|
|
|
|
Post by Stinger on Nov 18, 2003 20:50:04 GMT -5
WTF? It moves to homeowners too...you see, you have bad credit, STUDIES show you may burn your own house down...
This is what the Goverment lets happen nowadays, and the Insurance companies run the world.
So, you ready to take them on? Hey Papa, you have bad credit? Just wait till you purchase a house, you will pay 4 times more than your neighbor...why? Cause you a crazy Fu*k that has bad Credit and will burn his houses down...
Wanta rally? Internet wise? You game? Lets WTF the world....
|
|
|
|
Post by Baloo on Nov 18, 2003 20:55:29 GMT -5
WTF? It moves to homeowners too...you see, you have bad credit, STUDIES show you may burn your own house down... This is what the Goverment lets happen nowadays, and the Insurance companies run the world. So, you ready to take them on? Hey Papa, you have bad credit? Just wait till you purchase a house, you will pay 4 times more than your neighbor...why? Cause you a crazy Fu*k that has bad Credit and will burn his houses down... Wanta rally? Internet wise? You game? Lets WTF the world.... Already had a house, didn't like it. Back to renting. They can pay for the broken sheite! "Let's WTF the world..." why not, it's already FING us! ;D |
|
|
|
Post by Stinger on Nov 18, 2003 21:03:40 GMT -5
Sounds like planning time...I have not had enough time yet to go through you board to see who's here...
So, you are internet capable, words needs to et out...that;s one avanue....I allways say, if there was an American Union, all people stuch together, things would change...
No health care, because Congress has their own plan, they do not follow the laws they pass, imunity...
So what ya think Papa, how shall we fu, the wtf society? lol
|
|
|
|
Post by CUTEGAL on Nov 19, 2003 0:11:55 GMT -5
I love my house. ÃÂ
|
|
|
|
Post by Stinger on Nov 20, 2003 16:37:49 GMT -5
I like your house too, so warm, so cozy, snug fit....  |
|
! Needless to say, I changed to Progressive 
