wow 200/mo... thats crazy, even in our higher than normal state, I only pay about $100/mo for full coverage on the LS. the car itself is not really that expensive at all, its cheaper for full coverage than either a mustang or focus ST is, and its even less than just PLPD on a dodge neon...
LOL ... suckers!
Gotta love these insurance companies though, Fn rate increases due to where you live, credit score, policy terms, type of car, color ... blah blah blah.
How about insuring folks on their ability to drive properly, as in accidents, claims and convictions only?
I've had it out with mine several times, threatening to take my business elsewhere always seems to help, last I was rewarded star services member discounts. Mind ya, I do 1 house, 3 to 4 cars annually and pay outright up front for the year as to not get involved with premiums for spreading payments across 12mths, they want extra for that also.
My LS'es are weird though, the 01 is less then the 04 and my wife cuz she has the vagina gets the best deal.
I don't insure thousand dollar cars fully, limit it to simple liability, $410 annually for the 09 Silverado, $623 annually for the 04, where my 01 get's away with $572. wife's LS I forget but it's usually around $70-80 vagina cheaper annually.
Many moons ago I had taken notice my wife's insurance went up by 100$ for the year and the reasoning they gave was cuz she had missed a payment, insufficient funds they called it. I questioned how the f*ck that has anything to do with how she can operate a motor vehicle in traffic on public roads with a perfect driving record? How in the world does able to make payment reflect on her abilities to not end up in an accident that would require the insurance industry to force a pay out.
Retards! ... I ended up telling them to cancel her policy with her permission and put her under my name on my policies and umbrella'd it all. listing her as the Primary of her own car and paid the entire term up front for the year. Been doing this for several decades now. It's they way to go. Never allow them into your accounts each month, something goes wrong and you can't cover the monthly automated withdrawal and they increase the premiums, not going to happen on my watch. Pay them annually upfront every year.
We're about 40% total savings on our premiums simply due to mature drivers, claim free, conviction free, college alumni members, use snow tires and multi policy, wife get's an extra kick for being over 50 years of age, which I will also start to benefit from next year January.
F*ckers get you coming and going, can't stand them ... try and keep them inline every year.
Last year on our house policy renewal I took notice of yet another attempt at a slight increase, again the rebuilding cost goes up 12K each year, I always have to call them and tell them what I think of that and them. Asked them to explain to me how in the world they can justify total rebuilding cost is much greater that actual value of home and anything sold on the block around here.
Sub-dwelling at a stupid amount, like my shed is worth 38K ??? explained as a percentage of total home. can't be lowered they say, very tempted to burn it to the ground and make the call, "bring me my new 38K shed for my lawnmower!!!"
They penalize me for not living near a fire hydrant but I get a water shuttle service discount for living within 7mi from a firestation. go figure ... I told them my neighbors have a swimming pool, plenty of water to start putting a fire out with until the shuttle gets here. No matter they say.
In reality where I live in the event of a house fire, we call it a basement foundation rescue service. Too far from the big city with their bigger trucks and staff.
Can't stand insurance companies, I always each year as I make payment remind them of this and always ask to review new upcoming annual policy increases. Always somehow manage to get them to lower their rate of the increase as I remain claim free to date. They often inform me they have to go in manually and make some changes as it's a software limitation of the renewal that doesn't factor in that I will be calling to BITCH !!!
Anyhow, $623 annually on the latest 04 LSE but I've been operating motor vehicles since 1981, hold a class one licence and insist on insuring any of my rides as strictly pleasure because I have a work truck to go back and forth in. 700+ mi per day, 5 days a week, conviction and claim free helps of course.
Insurance industry is a Fn scam!!!
I'm sure I've paid over 100K in premiums in my lifetime and never seen anything in return. Such a waste of dollars.
