RE: buying car insurance

Collarspace Discussion Forums

Home Login Search

RE: buying car insurance

View related threads: (in this forum | in all forums)

Logged in as: Guest

All Forums >> [Casual Banter] >> Polls and Other Random Stupidity >> RE: buying car insurance

Page: << < prev 1 [2]

[Poll]

buying car insurance

lowest cost

60% (20)

extras (eg breakdown cover) - even if that makes it a bit dearer

3% (1)

extras (eg breakdown cover) - especially if its the same cost

6% (2)

good customer service

12% (4)

some other reason (please specify!)

18% (6)

Total Votes : 33

(last vote on : 3/15/2008 2:22:49 AM)
(Poll will run till: -- )

Message

<< Older Topic Newer Topic >>

RE: buying car insurance - 2/23/2008 6:46:13 PM

farglebargle

Posts: 10715
Joined: 6/15/2005
From: Albany, NY
Status: offline

quote:

ORIGINAL: GreedyTop

yeah.. but can ya fuck a toon?

Rule 34, Baby, Rule 34...

_____________________________

It's not every generation that gets to watch a civilization fall. Looks like we're in for a hell of a show.

ברוך אתה, אדוני אלוקינו, ריבון העולמים, מי יוצר צמחים ריחניים

(in reply to GreedyTop)

Profile

Post #: 21

RE: buying car insurance - 2/23/2008 7:24:08 PM

slaveboyforyou

Posts: 3607
Joined: 1/6/2005
From: Arkansas, U.S.A.
Status: offline

quote:

I've got USAA../. you could not PAY me to go somewhere else.

USAA is a private insurance co.

If you are American military (active/reserve/retired) or dependent (and that is NOT age restricted).... they ROCK!!

If I'm not mistaken, it isnt even generationally restricted.

I totalled my last car (my fault) and I am still paying less than 600.00 p/yr.. for FULL coverage. I got my settlement check on my totalled car in less than 2 weeks.

USAA is not generation restricted. I have it too Greedy. I have never been in the military, but my dad was an officer. So I have had it since I was 16. From what I understand, my UM's (if I ever have any) can have it too. I pay less than $500 a year for liability and uninsured motorist coverage. You just have to make sure you don't get kicked off because of excessive traffic violations. I wouldn't go anwhere else either.

(in reply to GreedyTop)

Profile

Post #: 22

RE: buying car insurance - 2/23/2008 10:10:56 PM

DaddyAndCarina

Posts: 1789
Joined: 2/8/2008
Status: offline

Actually I picked cheap but I dont think mine is the cheapest but I have had them 12 years

_____________________________

What Daddy wants ... Daddy GETS ~ Carina

I am not simply a label ~ I am simply what he created

(in reply to christine1)

Profile

Post #: 23

RE: buying car insurance - 2/24/2008 5:26:57 AM

rubberpet

Posts: 1743
Joined: 4/6/2006
From: The Land of Voodoo
Status: offline

I have the best combo of price, coverage, and reliability. If I ever needed them in the past, I've received the help I needed with no questions asked. The price is a bit higher than some, but the reliability that I have with them is worth the extra cost.

_____________________________

Collared and devoted property of Mistress Lorelei (vampchick88) as of 3/26/08.

Rubberpet - The Resident Anti-Subby and mysterious shadowy figure known as Voodoo, proud hitman and wiseguy for the Subby Mafia.

(in reply to LadyEllen)

Profile

Post #: 24

RE: buying car insurance - 2/24/2008 6:54:51 AM

LadyEllen

Posts: 10931
Joined: 6/30/2006
From: Stourport-England
Status: offline

Thanks everyone - this has been very useful indeed.

What its really about is why people buy things that they have to buy which are legally standardised (ie not much room for differentiation) - in my case, international transport service. That almost 60% make their decision based on lowest cost when buying car insurance is very instructive in relation to my sector too I feel.

This means that to win business we have to be able to offer the lowest cost, and our other selling points like the extras we offer and our customer service, are far less relevant. To be fair, this is more or less what was expected, but the high scores for "lowest cost" are a little higher than I expected. It would seem that to be successful, we must offer lowest cost and use our extras as tipping factors in our favour.

Thanks again

E

_____________________________

In a test against the leading brand, 9 out of 10 participants couldnt tell the difference. Dumbasses.

(in reply to rubberpet)

Profile

Post #: 25

RE: buying car insurance - 2/24/2008 7:20:22 AM

Reflectivesoul

Posts: 1777
Joined: 4/25/2006
Status: offline

We have full coverage including extras ( underinsured/uninsured, roadside assistance etc) I also have the bumped up coverage because if you look at liability only and state minimums.. in ohio its around 7,500 in coverage, you whack a decent car or truck insurance isnt going to do you a lot of good at that point and you'll be paying it off forever, not my idea of a good time. So while yes its expensive I know if I get in an accident everything is covered and well covered at that.

_____________________________

ooooo..I bet THATS gonna leave a mark!!!!

Equal opportunity pisser on-er ... heh..

Gimme some crayons, I want color and I want it now DAMNIT!

(in reply to christine1)

Profile

Post #: 26

RE: buying car insurance - 2/29/2008 7:31:43 PM

need2bused6

Posts: 49
Joined: 2/2/2008
Status: offline

Lowest cost. I was with StateFarm for 26 years had 1 minor. forgiven, accident then in 3 months 1 $37k accident and they raised my premium to $800 a month

_____________________________

“There are only two tragedies in life: one is not getting what one wants, and the other is getting it.”

(in reply to LadyEllen)

Profile

Post #: 27

RE: buying car insurance - 3/1/2008 2:59:37 AM

RazorJAK

Posts: 821
Joined: 8/5/2006
From: Manistee
Status: offline

quote:

ORIGINAL: LadyEllen

everyone who drives has to buy car insurance - what's the main reason you choose one company to buy your insurance from, over another?

this isnt idle curiosity by the way, and its not really to do with car insurance!

thanks in advance for the replies / votes; it might just save my bacon!

E

I go for lowest cost because I believe that ALL insurance corporations are foul and evil. Why should I pay more for the same involuntary rape I'd get from a cheaper company?

Especially in states where the DMV is COMPLETELY in bed with insurance companies like New York.(*)
Same car, same coverage, same driving record ... My insurance costs 1/4th here in Michigan as what I paid in New York state.

(*) The NYS DMV is one of the BIG reasons why I'd be hesitant to ever move back to New York.
I am so surprised there isn't a violent uprising everytime they come out with some new draconian fine. But the New York sheeple just baw and bleat and go on paying.

_____________________________

"Are all men from Michigan such loud-mouthed braggarts?"
"Just me baby. Just me."
~ Evil Dead - the musical ~

(in reply to LadyEllen)

Profile

Post #: 28

RE: buying car insurance - 3/2/2008 4:26:29 PM

ShhImNotHere

Posts: 11
Joined: 10/7/2007
Status: offline

Lowest cost w/ max. coverage.

(in reply to christine1)

Profile

Post #: 29

RE: buying car insurance - 3/2/2008 5:43:11 PM

NaiveTempest

Posts: 345
Joined: 11/20/2006
From: North Carolina
Status: offline

Military discount and affiliated bank discount, but price does play into that as well.

_____________________________

"All the things I should have said that I never said/All the things we should have done that we never did/All the things I should have given, but I didn't.../Give me these moments back..."

Kate Bush, "This Woman's Work"

(in reply to christine1)

Profile

Post #: 30

RE: buying car insurance - 3/2/2008 6:52:45 PM

DesFIP

Posts: 25191
Joined: 11/25/2007
From: Apple County NY
Status: offline

At the time I went looking, State Farm had the highest rating in terms of paying out and not disallowing. If I'm going to pay those monthly premiums, I don't want it to be to a company who weasels out of paying for repairs.

_____________________________

Slave to laundry

Cynical and proud of it!

(in reply to christine1)

Profile

Post #: 31