05-12-2014, 05:19 PM
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#1
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Registered User
Join Date: Sep 2005
Location: usa
Posts: 560
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Quote:
Originally Posted by Timco
So, guns and car flipping aside, if I get a new policy tomorrow with a new company and total my car day 1, will my payout or settlement be less than if my accident happened with my current carrier of 10+ years?
The lowering rate thing is based on driving class. Someone with no accidents for 4 years is less likely to cause an accident than someone 2 years accident free. We have Am Fam and our rate is way low because our house, rentals, my commercial policy, and my business liability policies are all with them. I guess that makes me a better driver?
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I have no idea. Do you have gap insurance? I don't have the whole package like you; I just pay in full. I do know that my family's rate, over time, varies during renewals. Sometimes, I find the same or better coverage for less than the new rate, and I move. But, what if the driver starts at 16 and has no accidents for 4 years. Is this 20 y.o. less likely to have an accident? Is his rate less that a 23 y.o. married returned missionary that didn't drive for 2 years? I dunno. Oh, and I'm sure you are a better driver -- I mean, you drive standard and are more "in touch" with your car. 
__________________
2k13 Boxster Amaranth Red/Black
Last edited by cfos; 05-12-2014 at 05:30 PM.
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05-12-2014, 05:29 PM
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#2
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I am my own mechanic....
Join Date: Feb 2013
Location: Salt Lake City, UT
Posts: 3,432
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Quote:
Originally Posted by cfos
I have no idea. I don't have the whole package like you; I just pay in full. I do know that my family's rate, over time, varies during renewals. Sometimes, I find the same or better coverage for less than the new rate, and I move. But, what if the driver starts at 16 and has no accidents for 4 years. Is this 20 y.o. less likely to have an accident? Is his rate less that a 23 y.o. married returned missionary that didn't drive for 2 years? I dunno. Oh, and I'm sure you are a better driver -- I mean, you drive standard and are more "in touch" with your car. |
Pretty sure there's only one blanket drop in rate around 22-24 regardless of real hands on driving due to maturity. If there's tickets or accidents, forget that drop. Not much windshield time for missionaries. (I joined way after missionary age)
Not sure about the better driver comment. I've never claimed that and am quite sure your car will cross the finish line before mine. I've never owned an auto trans.
__________________
'04 Boxster S 50 Jahre 550 Spyder Anniversary Special Edition, 851 of 1953, 6-sp, IMS/RMS, GT Metallic silver, cocoa brown leather SOLD to member Broken Linkage.
'08 VW Touareg T-3 wife's car
'13 F150 Super Crew long bed 4x4 w/ Ego Boost
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05-12-2014, 05:35 PM
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#3
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Registered User
Join Date: Sep 2005
Location: usa
Posts: 560
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Quote:
Originally Posted by Timco
Pretty sure there's only one blanket drop in rate around 22-24 regardless of real hands on driving due to maturity. If there's tickets or accidents, forget that drop. Not much windshield time for missionaries. (I joined way after missionary age)
Not sure about the better driver comment. I've never claimed that and am quite sure your car will cross the finish line before mine. I've never owned an auto trans.
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I do recall a decrease upon marriage. I don't know about the age rates, nor claim to.
Yeah, you never did claim to be better/faster then me, I'm just assuming -- since you have a standard and from all the comments here about driving standard... 
It's ok. I'm not much of a boy-racer or a BMW guy that cares about the whole modded 335 vs M3 debate. I get where I want to be. Don't need to be first. Don't care if I'm last. Kinda like having a clean driving record and feel lucky about not finding renegade Ford Broncos -- I wonder if it was a Bronco that caused the whole ruckus on I-80W this morning. Saw on the news the whole damn thing was shut down.
__________________
2k13 Boxster Amaranth Red/Black
Last edited by cfos; 05-12-2014 at 05:41 PM.
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05-12-2014, 05:51 PM
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#4
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I am my own mechanic....
Join Date: Feb 2013
Location: Salt Lake City, UT
Posts: 3,432
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Quote:
Originally Posted by cfos
I do recall a decrease upon marriage. I don't know about the age rates, nor claim to.
Yeah, you never did claim to be better/faster then me, I'm just assuming -- since you have a standard and from all the comments here about driving standard...
It's ok. I'm not much of a boy-racer or a BMW guy that cares about the whole modded 335 vs M3 debate. I get where I want to be. Don't need to be first. Don't care if I'm last. Kinda like having a clean driving record and feel lucky about not finding renegade Ford Broncos -- I wonder if it was a Bronco that caused the whole ruckus on I-80W this morning. Saw on the news the whole damn thing was shut down.
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Out by the Nevada border? Dead person on interstate. Could not tell male / female. At first I thought damn, must have been THAT ugly, but turns out was hit multiple times.
__________________
'04 Boxster S 50 Jahre 550 Spyder Anniversary Special Edition, 851 of 1953, 6-sp, IMS/RMS, GT Metallic silver, cocoa brown leather SOLD to member Broken Linkage.
'08 VW Touareg T-3 wife's car
'13 F150 Super Crew long bed 4x4 w/ Ego Boost
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