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$1,021 Savings on insurance

Originally Posted by PapoZalsa I don't know what companies some of you guys have, but I'm guesing some of them are those $hitty ones. I'm guessing the ones that takes

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Old 09-24-2011, 11:05 PM   #31 (permalink)
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Originally Posted by PapoZalsa View Post
I don't know what companies some of you guys have, but I'm guesing some of them are those $hitty ones. I'm guessing the ones that takes for ever to get your claim thru them if you get hit by one of their clients.

Been there trying to get my old lady car fix with those insurance companies. Low premium, high deductible = company doesn't have the money to pay a claim on time. Have to go thru hell and high water!
That may be true, but that's a different discussion. The OP said he was saving 1k a year by going to a 2k deductible with the same company not by switching to a different company and in any case Met Life is a more or less respectable insurance provider I'm guessing.

Obviously, if one says they are saving 1k by going to a 2k deductible with company A over a $500 deductible with company B, that doesn't give us enough information to know if it is a good bet -- the two companies may be very different with respect customer service, timeliness of claims, etc.

So the question is -- given you are comfortable with the service provided by your insurance company -- how much would you need to save in premiums a year to move to a higher deductible.
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Old 09-24-2011, 11:29 PM   #32 (permalink)
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Originally Posted by PapoZalsa View Post
Low premium, high deductible = company doesn't have the money to pay a claim on time.
I'm pretty sure every insurance company offers different deductible levels, and the higher the deductible the lower the premiums. I personally know USAA Geico and Allstate all do.
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Old 09-26-2011, 10:48 AM   #33 (permalink)
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what insurance companies do you recommend checking out?
I got some really good rates from esurance
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Old 09-26-2011, 12:54 PM   #34 (permalink)
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I got some really good rates from esurance
Esurance is crap! good luck getting your car fixed if you have a wreck!
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Old 09-26-2011, 12:55 PM   #35 (permalink)
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OP....

If i were you, i would run to the nearest piece of wood and knock!
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Old 09-26-2011, 01:03 PM   #36 (permalink)
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OP....

If i were you, i would run to the nearest piece of wood and knock!
Are you saying Met Life has a bad reputation for paying claims or that the fact that he has a 2k deductible with them makes it less likely they will pay promptly than if he had a $500 deductible?

All other things being equal, I would think that having a higher deductible would make them pay faster -- they have less to pay ...
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Old 09-26-2011, 02:04 PM   #37 (permalink)
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Esurance is crap! good luck getting your car fixed if you have a wreck!
I been using esurance for years. Great prices and I have had two claims that were handled just fine.

P.S. The Astros are crap, good luck winning a world series
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Old 09-26-2011, 02:14 PM   #38 (permalink)
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Originally Posted by Zaggeron View Post
Are you saying Met Life has a bad reputation for paying claims or that the fact that he has a 2k deductible with them makes it less likely they will pay promptly than if he had a $500 deductible?

All other things being equal, I would think that having a higher deductible would make them pay faster -- they have less to pay ...
i was just saying that he might be jinxing himself and to go knock on some wood. I recently switched my deductible from $500 to $1000 and had to make a claim 2 months later... before that i hadnt made a claim in 10 years.
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Old 09-26-2011, 02:17 PM   #39 (permalink)
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I been using esurance for years. Great prices and I have had two claims that were handled just fine.

P.S. The Astros are crap, good luck winning a world series
I got rearended by someone that had esurance and it was HELL getting my car fixed right and on time!

the Astros are complete CRAP this year and for many more to come... I'm not fairweather.
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Old 09-26-2011, 03:32 PM   #40 (permalink)
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I got rearended by someone that had esurance and it was HELL getting my car fixed right and on time!
Never had a problem with esurance on a claim. Having a good body shop of my choice deal with the insurance adjuster has been the key to success for me with any claim. A so-so body shop that won't argue with the adjuster to get things repaired right is one to be avoided. I never use the body shop suggested by the adjuster.
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Old 09-26-2011, 03:44 PM   #41 (permalink)
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i was just saying that he might be jinxing himself and to go knock on some wood. I recently switched my deductible from $500 to $1000 and had to make a claim 2 months later... before that i hadnt made a claim in 10 years.
But now the worse thing you can do is go back to $500 deductible. To make the averages work in your favor you gotta stick with it.

Short run doesn't matter unless you are low on cash. In the long run you'll save more than your short term loss.
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Old 09-26-2011, 05:22 PM   #42 (permalink)
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But now the worse thing you can do is go back to $500 deductible. To make the averages work in your favor you gotta stick with it.

Short run doesn't matter unless you are low on cash. In the long run you'll save more than your short term loss.
completely!
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Old 09-26-2011, 07:57 PM   #43 (permalink)
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Originally Posted by Astrosfan View Post
I got rearended by someone that had esurance and it was HELL getting my car fixed right and on time!

the Astros are complete CRAP this year and for many more to come... I'm not fairweather.
personally, I would have my insurance cover it, and have them go fight the other insurance company...

I'm a Bills fan... its been almost 12 years since we've seen the playoffs! but at 3-0 and a win against the Pats, all of a sudden we have a lot more fans
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