Insurance broker??

[t3rry]

ok, here's the deal, right now i am paying $400 a month for my auto insurance, there has got to be a cheaper way, right now i am with Liberty Mutual and i ahve a 2001 Grand am and a 1983 s10... right now on the policy are me and my fiancee we are both 21 with no at fault accidents (but several not at fault)... any suggestions?

[xkon]

meh

i pay more than that... actually, about the same i guess

Del Fisher Insurance, ask for Michelle... she beat my current insurance by $1000 with triple the coverage!

[t3rry]

well you probably have a nicer vehicle too :D

that or you had accidents

[/////AMG]

How old are you?
Have you had any accidents?
When was your last ticket?
Are you a full time student with an average over 70%?
Did you complete drivers ed within the last 3 years?

[t3rry]

most that info is in my first post, i dont have drivers trainning, but the fiancee does and no i am not a student...

[t3rry]

my last ticket that i paid was also my first, 3 years ago speeding 32 over


(i also had an unsafe left turn a couple years ago that was thrown out)

[xkon]

call michelle, i was there today, and saved money for the first time in 3 years!

[/////AMG]

Well if you answered yes to most of my questions, I would go with State Farm insurance if I was you.

[t3rry]

xkon, i'll do that tomorow thanks

[1badPT]

www.kanetix.com

[t3rry]

kanetix won even look at me because i am under 25

[t3rry]

just went on kanetix, apparently 1 place will insure me but its 1.5 times whta i ay now, nearly $600 a month

[t3rry]

xkon, i called that chic and hse quoted me nearly double what i am paying right now

[googe]

best advice, hurry up and marry your fiance

seriously :) big rate drop.

[t3rry]

i heard ther eis no rate drop, it was only a drop when i hit 25

[Strider]

TD Meloche Monnex. They're the only ones who quoted me less than $3k PLPD, I even tried calling several of the brokers listed in previous threads, and they can't touch that price.

oh, and tickets older than 3 years dont count, driver training within the last 3 years generally doesn't count unless you got your driver's license less than 3 years ago.

[t3rry]

well we both got our licenses just over 3 years ago and she has had drivers training... i will try a couple others, but by the looks of it i am stuck where i am

[rc2002]

Some insurance companies give you the rate drop for being 25 years old if you're under 25 but married....

[t3rry]

just called my insurance company and they say the married thing dont matter

[t3rry]

tried that TD place, they quoted me the same as i am currently paying, which isn't bad (my insurance company is pissin me off)

[sputnik]

www.tdinsurance.com (beat my previous insurance company by $1200/yr)... im also only 24

[szw]

If you are involved in a not-at-fault accident while you are under your parents insurance....is it still considered to be 'your' accident? meaning the insurance companies know about it when you are applying for separate insurance by yourself?

[t3rry]

Originally posted by szw
If you are involved in a not-at-fault accident while you are under your parents insurance....is it still considered to be 'your' accident? meaning the insurance companies know about it when you are applying for separate insurance by yourself?

thye dont know about anythign you dont tell them about.. the only other way is if they dig up the police reports, which im sure it would not be easy for them to find or get

[t3rry]

Originally posted by sputnik
www.tdinsurance.com (beat my previous insurance company by $1200/yr)... im also only 24


Originally posted by Strider
TD Meloche Monnex. They're the only ones who quoted me less than $3k PLPD, I even tried calling several of the brokers listed in previous threads, and they can't touch that price.

oh, and tickets older than 3 years dont count, driver training within the last 3 years generally doesn't count unless you got your driver's license less than 3 years ago.

same place, but thans, they are the onyl ones that quoted me even close to my current policy.

[xkon]

Originally posted by t3rry
xkon, i called that chic and hse quoted me nearly double what i am paying right now

really? ouch! and you have a clean record?

[t3rry]

i had one speeding ticket over 3 years ago and the fiancee had one not at fault accident

[max_boost]

Originally posted by szw
If you are involved in a not-at-fault accident while you are under your parents insurance....is it still considered to be 'your' accident? meaning the insurance companies know about it when you are applying for separate insurance by yourself? When you apply with a different insurance company, they will generally ask you questions regarding your last company and any accidents/claims you've been through. To prove that you've had insurance coverage before, the new company will ask you to go to your old company and obtain an 'experience letter'. This document basically outlines how long you've been insured and the claims you've made. Yes, it is considered your accident because you have coverage under that policy.