Re: Insurance Question
Posted by:
Happy as a pig in shit
()
Date: July 07, 2009 04:04PM
Thurston Moore Wrote:
-------------------------------------------------------
> break Wrote:
> --------------------------------------------------
> -----
> >
> > Anybody have any idea why car insurance is so
> damn
> > expensive around here? I got one hell of a deal
> on
> > a new car today, and then got an insurance
> quote
> > for $400 a month...what the hell? Looking
> around
> > it wont get much better than that. I have
> friends
> > that live in Winchester, VA that have more
> > expensive cars, and even worse driving records
> and
> > they pay half for full coverage...it just
> doesn't
> > make sense.
>
>
> Just look at the accident and theft statistics for
> each area.
>
> Your insurance rates will change up or down if you
> move from one zip code to another. It all has to
> do with actuarial tables.
>
> Your friends in Winchester don't drive in
> bumper-to-bumper traffic, or have high auto-theft
> rates. Even if they drive all the way into DC,
> their rates are based on Winchester's statistics
> and actuarials.
>
> If more cars are stolen or wrecked in Oakton than
> in McLean, the rates are going to be higher in
> Oakton.
>
> There are some tactics you can use to lower your
> insurance. If your primary car is really
> expensive, or on the list of frequently stolen
> vehicles, you can buy a junker and tell your
> insurance company that it is your work/business
> vehicle, and the more expensive car is your
> "pleasure" vehicle. Sometimes, having two
> vehicles insured can actually lower your rates. I
> noticed this a few times when I had bought a new
> car and had not yet sold my previous car. My
> rates went up once I took the old car off my plan.
> Granted, it was only about $50 - 100 a year, but
> that is still significant.
>
> Also, don't call any 800 number to get your
> insurance coverage. Deal with a local agent.
> They are not working for a particular corporation,
> they are independent insurance agents, often
> licensed by several different insurance
> corporations. They work on commissions, so they
> want to make you happy, not the corporate
> insurers.
>
> Laban Sadtler, in Vienna, is really cool. He will
> plug everything into his computer, your address,
> your car(s) and your driving record, and whatever
> else, and he'll find you the best rates he has
> available from whatever insurance companies he
> represents. And if he finds a better rate down
> the road, he'll call you up and let you know.
> Independent agents are the best way to go. If you
> call the corporate number, you'll get the retail
> rates.
>
> Laban's phone number, on my proof of insurance,
> is, 938-0500. His office is above Marco Polo.
Gotta say I was recluctant to call, but I am happy I did. This guy got me a pretty good rate on my insurance. +1