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CWTA - auto insurance

laidback

laidback

Tom Curren status
Feb 9, 2007
11,059
2,204
113
NOC
I've been with state farm for 35 years
What are the pros and cons of going with a mercury, geico, etc...
I'm looking to save a couple bucks
 
G

grg

Phil Edwards status
Mar 11, 2006
5,901
1,210
113
Tuna Town/Baja
Ive had Mercury for YEARS and they are the cheapest around. I have even responded to all the mailers from AAA, Geico, etc. and they dont come close.

And their CS was top notch when my Truck was totaled as well for my son when he got hit 3 times. Poor kid got tagged 3 times before he was 21.
 
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?

_____

Phil Edwards status
Sep 17, 2012
6,910
3,176
113
I use AAA - get my DMV stuff done at their office instead of the dreaded DMV. I just got renters insurance through them for $80/year. If my truck gets broken into and stuff stolen, it's covered.
 
afoaf

afoaf

Duke status
Jun 25, 2008
49,578
23,167
113
FYI, I went with metromile, one of the pay by the mile providers, and it's
slightly cheaper per month than what I was paying before with maxed
out coverage

the only kicker is when you take a road trip or something...your monthly
fee will go up.

I telecommute and put very few miles on my (old) truck so it feels like
I'm getting a good value for the money.
 
G

grg

Phil Edwards status
Mar 11, 2006
5,901
1,210
113
Tuna Town/Baja
afoaf said:
FYI, I went with metromile, one of the pay by the mile providers, and it's
slightly cheaper per month than what I was paying before with maxed
out coverage

the only kicker is when you take a road trip or something...your monthly
fee will go up.

I telecommute and put very few miles on my (old) truck so it feels like
I'm getting a good value for the money.
Click to expand...
I checked that out and very good website that's for sure! It looks like my Ins. now offers some sort of discount based on miles as well. Got a call into my Broker to get more info.
 
afoaf

afoaf

Duke status
Jun 25, 2008
49,578
23,167
113
grg said:
I checked that out and very good website that's for sure! It looks like my Ins. now offers some sort of discount based on miles as well. Got a call into my Broker to get more info.
Click to expand...
the drawback, in my mind, is the fact that you have to keep a GPS transponder
in the vehicle to track travel...you can derive rate of speed with that info which
seems like a bit of a dicey proposition; how long until they factor that in to your
rates...
 
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L

Leaverite

Rabbitt Bartholomew status
Dec 19, 2017
7,924
1,092
113
Central Cal
USAA is probably the best. You need to earn it though. I have Allstate. Never have had an issue, 1 claim in the past 15 years and it was handled smoothly. Just got my recent 6 month billing statement for next year. Full coverage, high limit liability, $325.00.
 
L

Leaverite

Rabbitt Bartholomew status
Dec 19, 2017
7,924
1,092
113
Central Cal
afoaf said:
the drawback, in my mind, is the fact that you have to keep a GPS transponder
in the vehicle to track travel...you can derive rate of speed with that info which
seems like a bit of a dicey proposition; how long until they factor that in to your
rates...
Click to expand...

This is the future. One of my local friends has created a startup company a few years back. Essentially an automotive Black Box. Tracks vehicle location, speed, steering, braking, impact. Ford motor company is installing them on all of their new 2020 vehicles. So you get in a wreck in a Ford product and tell your story. Then the black box tells its story. This is the future.
 
afoaf

afoaf

Duke status
Jun 25, 2008
49,578
23,167
113
Leaverite said:
This is the future. One of my local friends has created a startup company a few years back. Essentially an automotive Black Box. Tracks vehicle location, speed, steering, braking, impact. Ford motor company is installing them on all of their new 2020 vehicles. So you get in a wreck in a Ford product and tell your story. Then the black box tells its story. This is the future.
Click to expand...
I think this is wise from the perspective of forensics, but I do not
like the idea of it being used proactively to penalize drivers as by
the insurance provider.

the next step beyond that would be the adoption of the same tech
by the state to automatically ticket you for moving violations....

speeding, rolling stops, etc
 
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L

Leaverite

Rabbitt Bartholomew status
Dec 19, 2017
7,924
1,092
113
Central Cal
afoaf said:
I think this is wise from the perspective of forensics, but I do not
like the idea of it being used proactively to penalize drivers as by
the insurance provider.

the next step beyond that would be the adoption of the same tech
by the state to automatically ticket you for moving violations....

speeding, rolling stops, etc
Click to expand...
A whole fleet industry actually polling for the access to this type of information. The private sector is just along for the ride. Ford is the leader. One of the major reasons I do not want to purchase a new vehicle.
 
L

Leaverite

Rabbitt Bartholomew status
Dec 19, 2017
7,924
1,092
113
Central Cal
Asset tracking. Traffic management. Stuff like acceleration/deceleration/wear and tear. all of this can be monitored.
 
afoaf

afoaf

Duke status
Jun 25, 2008
49,578
23,167
113
Leaverite said:
Asset tracking. Traffic management. Stuff like acceleration/deceleration/wear and tear. all of this can be monitored.
Click to expand...
much of this is already being done for fleet management

it's one thing when the employer is using it to monitor employees
(voluntarily) but what about private citizens?

the FastTrack toll system could also do this today by calculating
speed between vehicle scans through the system.
 
L

Leaverite

Rabbitt Bartholomew status
Dec 19, 2017
7,924
1,092
113
Central Cal
One of the most troubling things I see these days is this shift to let the technology do everything for you.

This is absolutely no substitute for being a driver. Somebody who is trained and experienced to operate a motor vehicle. The human/mechanical interface.

Buying a Subaru because if you buy a Subaru $300 goes to supporting animal rescue shelters is criminal.
 
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