So after 25 years with the same insurance company and same agent too, I'm being dropped because I got 4 seatbelt tickets within the past 3 years. I know that is my own fault for getting the tickets, but I didn't think that they would drop me after all those years. In all those years I've only had 2 claims which I don't think is bad at all. So I'm thinking about trying Progressive or Geico. Any thoughts on them or any other recommendations?
Car Insurance
- Thread starter rich70
- Start date
lovinmaryland
Well-Known Member
I didnt think seat belt tickets were chargable things :shrug:
Which company are you with?
ArkRescue
Adopt me please !
All you can do is call around as the results someone else gets will not necessarily match yours (cost difference between them). I was with Allstate the longest and they did nothing but keep increasing my premiums until I got fed up and left - the reason for the increases they said was that the price of parts and labor kept going up. Okay that only matters on MY policy IF I filed claims - HELLO ........ I didn't.
So just make a list of companies with their phone numbers, and start calling. You'll get a variety of prices that will make you wonder how the pricing can be so different from one company to another. Shake your head, then pick one.
So just make a list of companies with their phone numbers, and start calling. You'll get a variety of prices that will make you wonder how the pricing can be so different from one company to another. Shake your head, then pick one.
Nationwide. I've had the same agent since I was 16
I switched to Liberty Mutual from State Farm and saved several hundred a year.
Progressive funds progressive political activities
wear your damn seat belt
I know. I got one in front of my house. They were shooting radar, I was coming down my street and took it off about 100 feet away from my driveway. Then pulled into my driveway, he walk up my driveway and asked for my license. Then he said I wasn't wearing my seatbelt. I told him I had just took it off as I was coming up to my house. He said I know, I saw you take it off. But you're supposed to wear it until you turn the engine off. And gave me a ticket. The law is the law but give me a break. And one was in the parking lot of Target. I just pulled out of my parking spot and was goin down an isle, I hadn't pulled out of the lot yet and I got a ticket. I other two were completly my fault. I can't complain because I wasn't wearing it.But I will check out Liberty Mutual though.
dave1959
Active Member
You are being dropped because you are a " High Risk"..IMHO
Chasey_Lane
Salt Life
Nationwide. I've had the same agent since I was 16
I was in the same boat as you. Started out with Nationwide at age 16 under my parent's plan then by myself once I had my own vehicle. Just recently (this month) I switched to State Farm and I'm saving half of my premium for the same coverage AND I have a great agent. I've never filed a claim in all my driving years, but I do get a speeding ticket every few years.
ArkRescue
Adopt me please !
I was in the same boat as you. Started out with Nationwide at age 16 under my parent's plan then by myself once I had my own vehicle. Just recently (this month) I switched to State Farm and I'm saving half of my premium for the same coverage AND I have a great agent. I've never filed a claim in all my driving years, but I do get a speeding ticket every few years.
I received my ONLY speeding ticket when I was about 19 years old. I'll tell you the ticket you DON'T want, it's the one I got last year - passing a school bus - that costs $570.
It was on RT 301 South in Waldorf and I was in the far left lane, never saw the bus ....... I was told it was in the far right lane. 2 of us passed it, so it wasn't just ME that didn't see the bus in all that heavy traffic. I went to Court on that to avoid the points. So in my life I've only ever had 2 moving violations thankfully.
While I was in Court I saw a lady get up to say she was new to area for why she was speeding. The judge said ... you don't have speed limits where you came from? The whole Courtroom chuckled LOL
GWguy
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Just playing Devil's Advocate here Rich, but every agency you apply with will probably see you've gotten 4 tickets for seat belt infractions. IF they agree to insure you, which could be questionable, I wouldn't be surprised if you were assigned to a high risk category and had a hefty premium.
ArkRescue
Adopt me please !
Since when did you have to belt up to drive a motorcycle?
GWguy
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ArkRescue
Adopt me please !
Who's riding a bike?
I know it's confusing for you, but try to keep up.
I thought he rode the bike to work - oh yeah I guess only sometimes. Duh me!
ICit
Jam out with ur clam out
struggler44
A Salute to all on Watch
Ask Lovin, she's does insurance
We've been with Geico for 10 yrs. Not one single complaint. I had to use my emergency roadside assistance for the 1st time ever 2 weeks ago and it was a piece of cake, they handled it all. Tow to my mechanic was completely free of charge.
Every 6 months my policy drops, even if it's just a few dollars. Great service and always have courteous people to talk to on the phone.
I give them
My husband and I have never had any violations since being insured with Geico so I'm not familiar with that aspect.
Every 6 months my policy drops, even if it's just a few dollars. Great service and always have courteous people to talk to on the phone.
I give them
My husband and I have never had any violations since being insured with Geico so I'm not familiar with that aspect.
Well I switched to Progressive last night. I can't belive how much of price differences there are between companys. I checked with Geico, Erie, and State Farm, and Progressive was almost $100 cheaper per month!! And $300 cheaper a year on my motorcycle. My ex-wife switched from Nationwide to Geico and saved almost $80 a month, but Progressive was more for her. It's weird the way all that works.
DEEKAYPEE8569
Well-Known Member
Saving money is always good; but you also have to take into consideration how much coverage you get.
You never want to not have enough. JMO
GWguy
*
Keep an eye on that. Progressive is known for a low initial rate, then start bumping it up.
I'm getting the same coverage as I was. Full coverage on my bike and car, liability on the mini-van. Same deductibles as well. She got the same thing as she had when she switched too. Thats why I don't understand how all these companys are so far off from eachother. Like one was cheaper for me than her and vice versa.
