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Main
Date: 31 Oct 2006 10:05:27
From: Lloyd Parsons
Subject: OT: Insurance rates
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I usually shop every 2 years when it is time to renew my homeowners and
auto policies. I had not found enough significance in rates in the past
with the various insurance companies to make me want to switch from the
company I have been with for quite awhile.
Imagine my surprise when this year, after shopping I was able to cut my
auto/home insurance combo by 46%!
For a 2005 Vibe and a house with rebuilding cost of $183K, my quote from
my current insurance was $2420 /year.
With the new insurance, the total is $1301!
Both insurers are major companies that are well respected in the
industry. But I got quotes from 2 other major companies, and while they
were higher than the lowest one, they were still around 35-40% cheaper
than my original insurance.
So maybe this is the year you should be looking at insurance again.
Lloyd
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Date: 31 Oct 2006 18:11:38
From:
Subject: Re: OT: Insurance rates
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Lloyd Parsons wrote:
> I usually shop every 2 years when it is time to renew my homeowners and
> auto policies. I had not found enough significance in rates in the past
> with the various insurance companies to make me want to switch from the
> company I have been with for quite awhile.
>
> Imagine my surprise when this year, after shopping I was able to cut my
> auto/home insurance combo by 46%!
>
> For a 2005 Vibe and a house with rebuilding cost of $183K, my quote from
> my current insurance was $2420 /year.
>
> With the new insurance, the total is $1301!
>
> Both insurers are major companies that are well respected in the
> industry. But I got quotes from 2 other major companies, and while they
> were higher than the lowest one, they were still around 35-40% cheaper
> than my original insurance.
>
> So maybe this is the year you should be looking at insurance again.
Just be glad you're not living in Florida. After the hurricanes in '04
the major carriers either refuse to accept new policies or are charging
ridiculous premiums. We just bought a new home. After weeks of looking
the only insurer we could find was Citizens, the insurance of last
resort run by the state. $2600/yr. We eventually found a friend of a
friend who got us in for the bargain price of $1700/yr. A steal. That's
just for the house, not the cars, not anything else. What a f***ing
racket.
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Date: 31 Oct 2006 21:08:30
From: Lloyd Parsons
Subject: Re: OT: Insurance rates
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In article <1162347098.583966.175020@b28g2000cwb.googlegroups.com >,
km@nfmail.net wrote:
> Lloyd Parsons wrote:
> > I usually shop every 2 years when it is time to renew my homeowners and
> > auto policies. I had not found enough significance in rates in the past
> > with the various insurance companies to make me want to switch from the
> > company I have been with for quite awhile.
> >
> > Imagine my surprise when this year, after shopping I was able to cut my
> > auto/home insurance combo by 46%!
> >
> > For a 2005 Vibe and a house with rebuilding cost of $183K, my quote from
> > my current insurance was $2420 /year.
> >
> > With the new insurance, the total is $1301!
> >
> > Both insurers are major companies that are well respected in the
> > industry. But I got quotes from 2 other major companies, and while they
> > were higher than the lowest one, they were still around 35-40% cheaper
> > than my original insurance.
> >
> > So maybe this is the year you should be looking at insurance again.
>
> Just be glad you're not living in Florida. After the hurricanes in '04
> the major carriers either refuse to accept new policies or are charging
> ridiculous premiums. We just bought a new home. After weeks of looking
> the only insurer we could find was Citizens, the insurance of last
> resort run by the state. $2600/yr. We eventually found a friend of a
> friend who got us in for the bargain price of $1700/yr. A steal. That's
> just for the house, not the cars, not anything else. What a f***ing
> racket.
I was in Tampa for the month of May and that was all over the news. You
all are getting a raping!
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Date: 31 Oct 2006 17:58:47
From: zumafan
Subject: Re: OT: Insurance rates
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Lloyd Parsons wrote:
> Both insurers are major companies that are well respected in the
> industry. But I got quotes from 2 other major companies, and while they
> were higher than the lowest one, they were still around 35-40% cheaper
> than my original insurance.
>
> So maybe this is the year you should be looking at insurance again.
>
> Lloyd
By any chance, is your original company State Farm?
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Date: 31 Oct 2006 20:11:16
From: Lloyd Parsons
Subject: Re: OT: Insurance rates
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In article <1162346327.839535.158000@f16g2000cwb.googlegroups.com >,
"zumafan" <mgeorg@gmail.com > wrote:
> Lloyd Parsons wrote:
>
> > Both insurers are major companies that are well respected in the
> > industry. But I got quotes from 2 other major companies, and while they
> > were higher than the lowest one, they were still around 35-40% cheaper
> > than my original insurance.
> >
> > So maybe this is the year you should be looking at insurance again.
> >
> > Lloyd
>
> By any chance, is your original company State Farm?
No. Farmers Insurance.
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Date: 31 Oct 2006 23:16:40
From: Dene
Subject: Re: OT: Insurance rates
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Lloyd Parsons wrote:
> In article <1162346327.839535.158000@f16g2000cwb.googlegroups.com>,
> "zumafan" <mgeorg@gmail.com> wrote:
>
> > Lloyd Parsons wrote:
> >
> > > Both insurers are major companies that are well respected in the
> > > industry. But I got quotes from 2 other major companies, and while they
> > > were higher than the lowest one, they were still around 35-40% cheaper
> > > than my original insurance.
> > >
> > > So maybe this is the year you should be looking at insurance again.
> > >
> > > Lloyd
> >
> > By any chance, is your original company State Farm?
>
> No. Farmers Insurance.
Yikes....that's mine. Who did you replace it with. Hope it's not the
lizard outfit.
-Greg
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Date: 01 Nov 2006 08:54:47
From: Lloyd Parsons
Subject: Re: OT: Insurance rates
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In article <1162365400.019684.81060@e64g2000cwd.googlegroups.com >,
"Dene" <gdstrue@aol.com > wrote:
> Lloyd Parsons wrote:
> > In article <1162346327.839535.158000@f16g2000cwb.googlegroups.com>,
> > "zumafan" <mgeorg@gmail.com> wrote:
> >
> > > Lloyd Parsons wrote:
> > >
> > > > Both insurers are major companies that are well respected in the
> > > > industry. But I got quotes from 2 other major companies, and while they
> > > > were higher than the lowest one, they were still around 35-40% cheaper
> > > > than my original insurance.
> > > >
> > > > So maybe this is the year you should be looking at insurance again.
> > > >
> > > > Lloyd
> > >
> > > By any chance, is your original company State Farm?
> >
> > No. Farmers Insurance.
>
> Yikes....that's mine. Who did you replace it with. Hope it's not the
> lizard outfit.
>
> -Greg
Not the lizard! ;-)
I checked with them on Auto a few years ago and they were higher than
Farmers.
So this year I went to netquote.com and filled out some info. Got calls
from 3 referred agents. All were cheaper than Farmers. The 3 were,
Country Insurance (used to be Country Companies), Hartford and Allstate.
Ended up with Allstate as they were the cheapest of the 3. I'm insuring
the house and the car for less than Farmers was offering for just the
house alone.
I queried the Allstate agent as to why they could come in so low. His
answer was that the other majors look at profit/loss on a national
basis, but Allstate does it and rates each state as a standalone.
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Date: 01 Nov 2006 10:51:23
From: Dene
Subject: Re: OT: Insurance rates
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Lloyd Parsons wrote:
>
> Not the lizard! ;-)
>
> I checked with them on Auto a few years ago and they were higher than
> Farmers.
>
> So this year I went to netquote.com and filled out some info. Got calls
> from 3 referred agents. All were cheaper than Farmers. The 3 were,
> Country Insurance (used to be Country Companies), Hartford and Allstate.
>
> Ended up with Allstate as they were the cheapest of the 3. I'm insuring
> the house and the car for less than Farmers was offering for just the
> house alone.
>
> I queried the Allstate agent as to why they could come in so low. His
> answer was that the other majors look at profit/loss on a national
> basis, but Allstate does it and rates each state as a standalone.
Nice job. Just be sure your homeowners is full replacement....not some
mickey mouse percentage.
I'm probably married to Farmers. The agent sends me lots of health
insurance referrals.
-Greg
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Date: 01 Nov 2006 10:23:53
From: Miss Anne Thrope
Subject: Re: OT: Insurance rates
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I can see why Lloyd's wife insures her vibe.
It's probably the only she gets off anymore.
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Date: 01 Nov 2006 10:23:06
From: Lloyd Parsons
Subject: Re: OT: Insurance rates
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In article <1960-4548BC09-932@storefull-3154.bay.webtv.net >,
High_Colonic@webtv.net (Miss Anne Thrope) wrote:
> I can see why Lloyd's wife insures her vibe.
>
> It's probably the only she gets off anymore.
Why that's so cute! Did you think it up yourself?
BTW, I'm not married.
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