Insurance quote from The General

Nailzs · 01-05-2013, 09:29 PM

Quote:

Originally Posted by MJB

Op, how old are you? What is your driving record like? Maybe the insurance lady meant to say its a "sports" car and we can't insure you because you are high risk.. . ie young, tickets/wrecks on driving record.

62 years old with a clean driving record, no wrecks. Safe driver status on my DL.

What I find really amazing is that Allstate wanted more to insure my 2000 Mitsubishi Eclipse than they want to insure my 2013 Z! $1300 for the Z, $1700 for the Eclipse! AND MY Z IS A SUPER CAR!

Baer383 · 01-05-2013, 10:14 PM

I work in a body shop,I wish people who have Geico In. Could be standing there when the adjuster from Geico is talking/and making decision about their cars.

GrandZ45 · 01-06-2013, 09:46 AM

In the early 80's I bought the cheapest insurance I could find as I had no money and we have the highest insurance rates in the nation. Champion Insurance. Turns out the company was bankrupt and the insurance commissioner was covering that up. The insurance commissioner went to prison (what would the federal prison suppliers do without Louisiana politicians?) and many millions of claims were left unpaid. Guess who was personally liable for those claims? I was fortunate and had no accidents while I was covered by them but stopped shopping for low dollar insurance.

Insurance is just a contract and a contract is just a promise. Only as sound as the organization behind it. Been with Allstate over 30 years now and insurance on the Z was not disproportionately high compared to my Crown Vic that I was driving before--but still higher than if I lived some place where tort lawyers don't own the courthouse. I have had a couple of accidents and Allstate kept me out of the courthouse which is what I pay them for.

Red__Zed · 01-06-2013, 01:49 PM

Quote:

Originally Posted by Baer383

I work in a body shop,I wish people who have Geico In. Could be standing there when the adjuster from Geico is talking/and making decision about their cars.

working with Geico on adjustments was 100% of the motivating factor behind going someplace else for my personal insurance.

They're likely the cheapest option (for my Mustang, I pay just over $75/mo for 300k/300k/100k limits and a $1MM umbrella), but the way they handle repairs is laughable.

Mike · 01-06-2013, 07:47 PM

Quote:

Originally Posted by Red__Zed

working with Geico on adjustments was 100% of the motivating factor behind going someplace else for my personal insurance.

They're likely the cheapest option (for my Mustang, I pay just over $75/mo for 300k/300k/100k limits and a $1MM umbrella), but the way they handle repairs is laughable.

My friend was an adjuster for Geico. He hated it as much as the customers. He is back working for USAA now.

I'm insured with USAA, but I think consumer guru Clark Howard has always talked well of Amica.

DesertZ · 01-07-2013, 06:14 PM

I have been with state farm for ever. I received new info with my insurance card last week. State farm now spells out that if you go to the track for fast driving, not just racing they will not cover any damage. (A Given).

It also stated that if you have any modifications on your car beyond what your car comes stock with State farm will not cover any of the non-stock parts if damged or stolen.

Also they will use new, used or rebuilt parts and non-OEM parts to fix your car.(I think this may be state by state as I think Cali states they have to use new OEM parts if requested). I bring this up because this is the first time I have seen them come out with a statement like this.

edub370 · 01-07-2013, 07:53 PM

Quote:

Originally Posted by DesertZ

I have been with state farm for ever. I received new info with my insurance card last week. State farm now spells out that if you go to the track for fast driving, not just racing they will not cover any damage. (A Given).

It also stated that if you have any modifications on your car beyond what your car comes stock with State farm will not cover any of the non-stock parts if damged or stolen.

Also they will use new, used or rebuilt parts and non-OEM parts to fix your car.(I think this may be state by state as I think Cali states they have to use new OEM parts if requested). I bring this up because this is the first time I have seen them come out with a statement like this.

So U can't put non oem parts on your car, but they can.... Hmmm... Sounds like state farm

Mecinoid · 01-08-2013, 03:15 AM

Quote:

Originally Posted by edub370

So i can't put non oem parts on your cart, but they can.... Hmmm... Sounds like state farm

yup just like them....

Mecinoid · 01-08-2013, 03:14 AM

Quote:

Originally Posted by Mike

My friend was an adjuster for Geico. He hated it as much as the customers. He is back working for USAA now.

I'm insured with USAA, but I think consumer guru Clark Howard has always talked well of Amica.

Amica is good ....

01-05-2013, 10:14 PM	#2 (permalink)
Baer383 A True Z Fanatic Join Date: Aug 2010 Location: Lawrenceville,Ga Posts: 4,293 Drives: My foot up your azz Rep Power: 31	I work in a body shop,I wish people who have Geico In. Could be standing there when the adjuster from Geico is talking/and making decision about their cars. __________________ 2013 ZL1 754 rwhp 747 rwtq

01-06-2013, 09:46 AM	#3 (permalink)
GrandZ45 Base Member Join Date: Nov 2012 Location: Baton Rouge Posts: 33 Drives: 2013 370z Base AT Rep Power: 14	Cheap Insurance may be no insurance In the early 80's I bought the cheapest insurance I could find as I had no money and we have the highest insurance rates in the nation. Champion Insurance. Turns out the company was bankrupt and the insurance commissioner was covering that up. The insurance commissioner went to prison (what would the federal prison suppliers do without Louisiana politicians?) and many millions of claims were left unpaid. Guess who was personally liable for those claims? I was fortunate and had no accidents while I was covered by them but stopped shopping for low dollar insurance. Insurance is just a contract and a contract is just a promise. Only as sound as the organization behind it. Been with Allstate over 30 years now and insurance on the Z was not disproportionately high compared to my Crown Vic that I was driving before--but still higher than if I lived some place where tort lawyers don't own the courthouse. I have had a couple of accidents and Allstate kept me out of the courthouse which is what I pay them for.

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01-07-2013, 06:14 PM	#6 (permalink)
DesertZ Base Member Join Date: Aug 2012 Location: Coachella Valley Ca Posts: 18 Drives: 12 370Z Blackcherry Rep Power: 14	I have been with state farm for ever. I received new info with my insurance card last week. State farm now spells out that if you go to the track for fast driving, not just racing they will not cover any damage. (A Given). It also stated that if you have any modifications on your car beyond what your car comes stock with State farm will not cover any of the non-stock parts if damged or stolen. Also they will use new, used or rebuilt parts and non-OEM parts to fix your car.(I think this may be state by state as I think Cali states they have to use new OEM parts if requested). I bring this up because this is the first time I have seen them come out with a statement like this.