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Thread: Creepy Car Insurance "Quotes" - 21st Century

  1. #1

    Creepy Car Insurance "Quotes" - 21st Century

    Ive been with my current car insurance company for a zillion years. Although I've never had a single ticket or accident nor filed any claim for the past twenty-five years I've always felt they were not exactly going out of their way to give me the best possible rates. Maybe it was time for a change.

    I did a Google search and the first company in line was 21st Century. I filled out the required information accurately for my two vehicles and received a quote that was 1/3 the cost of what I'm currently paying - but for diminished coverage. After adjusting the coverage to more closely approximate my current coverage it returned a quote of 1/2 of what I'm currently paying. When something sounds too good to be true it usually is. I decided to sleep on the information and get back to them the next day.

    The following day I received an email and phone call telling me that they were anxious to do business. When I called them I connected to a guy in Texas. After collecting virtually all personal information about myself possible including my social security number he asked me to wait for a few minutes. When he returned to the phone he told me that the deal was off because I had "altered" my van with a ladder rack - something that could be removed in five minutes time. Apparently, they weren't interested in insuring my Mazda or motorcycle either. Everything was off and "sorry to waste your time".

    I've learned to trust my instincts and feel like I've been raped. I really don't know for but is it possible that they are mostly mining personal data?

  2. #2
    Ridin Dirty dom's Avatar
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    Hi.

    I'm 35 (this month) and think in my short time dealing with companies I have a lot more experience that most. I've lost my license three times, had SR-22s, the whole deal. I cleaned up my act about 10 years ago.

    Anyhow, what I have discovered with insurance is that they'll take you for a ride any chance they have. Each year I'll call around to get quotes that are lower than my current rate and if my present company won't match I drop them.

    NEVER NEVER NEVER tell them you have mods etc.. on your vehicles. I did that one time about 15 years ago and they still haven't forgotten!

    As far as data-mining your information I'm not sure there is much you can do about it other than not give him your SSN. Without your SSN though they can't pull up your record and give you an accurate quote.

    "Tutto nello Stato, niente al di fuori dello Stato, nulla contro lo Stato "
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    All within the state, nothing outside the state, nothing against the state.

  3. #3
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    As an agent for 25 yrs, I think I can shed some light on this subject. First, Policies change over time, discounts are added, coverage can change, so it's in your best interest to look at your policy every 2-3 years. Now, you don't have to do this yourself. I you have an Independent Agent, he/she should be working for you and they should gladly remarket your coverage. If they don't, find another agent. I've even requoted with the same company and reduced the rate.

    Second, remember, you get what you pay for. If you decide to go with 1-800-get insurance or www.gotinsurance, you will get a telemarketer. When I worked for my license in Fl. I had to take 240 hrs of classroom instruction and pass a written test. The person on the end of that phone took 8 hrs online training and is licensed in 42 states.

    Third, the companies I work with are top shelf. I have a working relationship with them and can sometimes make a big difference with claims and underwritting. The "problem of ladder" would not have been a problem as I could have worked with the underwriter to an understanding. As to claims, when do you need your insurance company the most? My relationship allows me to help the adjuster and my client reach a quick and fair settlement.

    Insurance is not brain surgery but it takes a professional to help you through the different coverages and policies in your state. Just maybe you're looking in the wrong place.

  4. #4
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    Charlie,

    I'm sure you are a good insurance agent - but you're literally one in a million. I have a home / auto / umbrella policy from a top insurance company. Everything goes to an 800 number. Locally they have an office - but I have no idea what the people do there - it's not about handling claims.

    Several years ago I was looking at my policy renewal and noticed there was an accident listed. I realized that it was an accident for our daughter's car when she was a college student, still using our home address. I called and said "Neither wife or I had this accident, and my daughter since moved out of the home." Besides, I no longer insure my daughter - only my wife and I are on the policy - how can you charge me with this?

    So they asked for proof that my daughter had other insurance. I got a copy of her insurance card, scaned it, emailed. They then asked me to get some sort of notorized statement that she no longer lived in our household. As this point I got pissed off. Glad I got pissed off - I wound up getting 3 years of refunds for missing discounts cause of this accident.

    IMO all insurance is a scam. The reason they have all these discounts for safe driver, older driver, drivers ed, diminishing deductibles, etc, etc is to make it impossible to really compare the products. Once you make one little mistake (like getting a ticket for any moving violation - even an improper lane change or scraping someone's bumper in a parking lot for $1000, all that shit goes away and they charge you up the ass.

    I got over $700 refunded for the extra premimum they charged for my daughters $1000 parking lot scrape. All these insurance companies are schyster's, and shylocks, just waiting to exercise the escape clauses built into their contracts (policies).

  5. #5
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    I'm sure you are a good insurance agent - but you're literally one in a million


    No, I'm not one in a million. I'm a hard working deicated professional, just like many out there. You need to find one of us.

    If insurance is such a scam, why did they return the premium to you?

    Insurance Co's get a bad rap and yet, most claims get settled without any problems. Your premium had to go up signifcantly several years ago when the points were placed on your policy. Couldn't you get anybody on that 800 number?

  6. #6
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    Quote Originally Posted by CharlieCLU View Post
    If insurance is such a scam, why did they return the premium to you?
    Once I removed my daughter from the policy, they should have contacted me, cause it does change the terms of the contract. They didn't. Because they don't care if they overcharge if nobody complains.

    When you are mailed 20 pages of 'boiler plate' of admentments every 6 months, for a premium that continually rises, it's a chore to read - they depend on this fact. I venture a guess that less than 2% of the people ever read their initial insurance contract. Even less read the renewal - and then what are you going to do about it? - Spend umpteen hours looking for a new insurer? They gotta you by the nuts, and they know it.

    They depend upon the agent who sells them, gets an override, and a commission for renewals. However the agent isn't a lawyer, so whatever he says is 'sales talk' (very similar to Realtors - who have all sorts of opinions but are not lawyers - have fun with those people.) Long forgotten or documented sales talk, when a claim needs to be satisfied.

    The insurance compaines (AKA 'the bottom feeders') depend upon all the unmentioned, obscure, built in loop holes / escape clauses, to screw the policy holder.

    I'll ask you this Charlie: Is there any empirical evidence that going 10 - 15 mph over the speed limit on highways causes more liability? When the speed limit is raised by the legislature - then this makes it safe? What happens to all those folks who got speeding tickets before they raised the speed limit? They were unsafe, the 'new' people are safe? What a joke!

    The reason why I ask this is that I believe the insurance companies make up these rules without statistical proof. They'll use any construct possible to make more $$$. If they all do it - then they don't compete with one another.

    Insurance is nothing more than a liability contract.
    Last edited by dBrong; 01-08-2012 at 02:19 PM.

  7. #7
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    You are correct as I do get compensated for my work, however, If I didn't seek the best value for my client I would not be in business for very long. If you don't think there's competition for your premium dollar take a look at the adds on TV. Everybody out there can save you 400.00 with their policy.

    While I agree on your logic for speeding, how else would you sugest they rate risk? Should you have to pay the same rate as the 17 yr old who will probably have 2 accidents before he turns 20? Or how 'bout the argument I hear almost daily. Why should the guy in Idaho pay higher rates because we live in a place that has hurricane potential? Should the roofer pay the same worklers comp rate as the retail clerk? Risk has to be measured to base premium and accidents/traffic tickets are one way to measure risk.

    I realize you think all insurance is a ripoff and we're out to steal your money. So be it. Here in Fla you can self insure if you choose. Do it. And when you hit the new Lexus, pay for it. When you are in ICU, pay for it. Insurance is nothing more than a sharing of risk, don't share.

  8. #8
    Senior Member Ken's Avatar
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    Quote Originally Posted by CharlieCLU View Post
    You are correct as I do get compensated for my work, however, If I didn't seek the best value for my client I would not be in business for very long. If you don't think there's competition for your premium dollar take a look at the adds on TV. Everybody out there can save you 400.00 with their policy.
    Looking at your last sentence, Charlie, made me wonder how insurance costs over the the US compare with ours over here.

    I have had (mea culpa) one claim against me in the last 40 odd years - Last year I nudged a car whilst turning into a supermart parking space and put a three inch long dent, about an eighth of an inch deep in his rear quarter panel with my bumper. The guy made such a fuss you would have thought his car (a very old Rover Vitesse) was a write-off. I just passed it over to my insurer to deal with - my PDR bro' would a made a perfect repair for about 100/$150 but this guy insisted his 'specialist' repair superman would have to critically examine the car to ensure there was no major structural damage etc., etc. There was no damage to my car - I just T-Cut the traces of his paint off my bumper.

    My car insurer said 'Noted and settled', my bike insurer, when I told them said 'Forget it, have that one on us.'

    So, Charlie, having spilled the beans on my disastrous driving record, assuming I lived over in your area how much, roughly, would it cost me to insure a) My 1997 Toyota 1.8l Carina E SE Auto (my current policy is circa 315/$475 p.a.) and b) My 2007 Honda CBR600RR (Current policy cost 276/$415 p.a.) I'm 78, reasonably healthy, non-smoker, good corrected vision and drink about ten units a week. Both vehicles are kept in locked garages, both are alarmed, the Honda also has an immobiliser and is Datatagged.

    Ken.
    Last edited by Ken; 01-09-2012 at 01:32 PM. Reason: Grammatical error.
    Die dulci fruimini!
    Ken.
    Wolds Bikers, Lincolnshire, England.

  9. #9
    I'm glad that I started this thread because it has given me an opportunity to see that most people are just as disgusted and fed up with car insurance companies as I am. They will use every opportunity, every minute detail to gouge and will never make an effort to reduce rates when the situation merits without considerable vigilance and effort on the part of clients and their attorneys. Make no mistake about it, these creeps, like our wonderful five times the world rate education and medical creeps are in bed with government and use that coercive relationship with consumers to its fullest extent.

  10. #10
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    Quote Originally Posted by Marc View Post
    They will use every opportunity, every minute detail to gouge and will never make an effort to reduce rates when the situation merits without considerable vigilance and effort on the part of clients and their attorneys.
    I don't think Charlie understands that we don't hate insurance, we hate the fact that the insurance companies collude with one another to establish the same rules. How rediculous is it to raise someone's rates just because they had 1 moving violation? All the insurance companies have basically the same contract - thus eliminating the consumer from switching to a company with a better contract.

  11. #11
    Senior Member grouch's Avatar
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    Quote Originally Posted by Ken View Post
    So, Charlie, having spilled the beans on my disastrous driving record, assuming I lived over in your area how much, roughly, would it cost me to insure a) My 1997 Toyota 1.8l Carina E SE Auto (my current policy is circa 315/$475 p.a.) and b) My 2007 Honda CBR600RR (Current policy cost 276/$415 p.a.) I'm 78, reasonably healthy, non-smoker, good corrected vision and drink about ten units a week. Both vehicles are kept in locked garages, both are alarmed, the Honda also has an immobiliser and is Datatagged.

    Ken.


    What did you do to scare your vehicles????? Seriously, on most of my stuff, I pay about $130 every 6 months for legal coverage plus comprehensive. That's about $260 per car or truck. The bike runs $215 per annum for full coverage. Now, the Mercedes roadster is the only car I carry collision insurance on. Plus, it's an expensive car to fix so it runs me about $580 per 6 months. I contemplated getting collector car insurance on it but Grundy and Hagerty both wanted me to jump through hoops. I don't drive the car much and it stays in the garage most of the time. I don't even take it out in the rain.

    For security, besides alarms on the building, I have a lot of neighbors with barking dogs and salted shotguns. We don't have much theft trouble around here.
    Honk if you love Jesus.

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  12. #12
    Senior Member Ken's Avatar
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    Quote Originally Posted by grouch View Post
    What did you do to scare your vehicles????? Seriously, on most of my stuff, I pay about $130 every 6 months for legal coverage plus comprehensive. That's about $260 per car or truck. The bike runs $215 per annum for full coverage. Now, the Mercedes roadster is the only car I carry collision insurance on. Plus, it's an expensive car to fix so it runs me about $580 per 6 months. I contemplated getting collector car insurance on it but Grundy and Hagerty both wanted me to jump through hoops. I don't drive the car much and it stays in the garage most of the time. I don't even take it out in the rain.

    For security, besides alarms on the building, I have a lot of neighbors with barking dogs and salted shotguns. We don't have much theft trouble around here.
    I should have mentioned that both car and bike are on Fully Comprehensive all risks cover, full legal assistance coverage, fully protected No Claims Bonus, 10 million third party coverage, European travel coverage for 90 days, vehicle recovery service, service vehicle if mine is off the road due to accident - the whole works.

    Ken.
    Die dulci fruimini!
    Ken.
    Wolds Bikers, Lincolnshire, England.

  13. #13
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    Most preferred companies will not increase rates for even a first at fault accident. I don't know what the sub-standard companies do.

    My rates are for an 01 Ford Escort and a 03 Chev Monte Carlo. Full coverage including stacked UM at 100/300. This includes all the "discounts" the companies won't let you take; Homeowner, 5 yr safe driver, Multi policy, multi vehicle, paid-in-full, and the I'm special cause I'm an agent discount (LOL). $995 per year.

    My bikes are 97 HD Ultra, 06 HD deluxe, 06 Kawa KLR650 and a Suzuki savage. I have full coverage on all bikes for $500 per year. This includes discounts for Multi policy, multi vehicle, homeowner, HOG member, MSF Course, continuous insured discount, paid in full, and 5 yr safe driver.

    And yes, I make commission on my policies.

  14. #14
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    Most auto insurers will give you the option to pay for coverage through monthly premiums rather than forcing you to make a single large, upfront payment. To decide which option is better, you'll need to carefully review the advantages versus the potential drawbacks in light of your personal circumstances. You can find auto insurance calculator and can save your money, It provides all coverage to your cars.

  15. #15
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    Depending on your financial situation, need for planning flexibility,
    and other factors, making the wrong choice can have long-term consequences. So its better before going for car insurance check or find out list of insurance companies name and then ensure that the one you select is best one. Many cases the agent don't provide the correct information and we don't get full coverage.

  16. #16
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    Quote Originally Posted by jack14 View Post
    Depending on your financial situation, need for planning flexibility,
    and other factors, making the wrong choice can have long-term consequences. So its better before going for car insurance check or find out list of insurance companies name and then ensure that the one you select is best one. Many cases the agent don't provide the correct information and we don't get full coverage.
    Jack,

    Why would any agent not offer full coverage? The independent agent is compensated buy commission, a percentage of premium. Less premium means less commission. Also, here in Fla, lawyers are sueing agents for not providing coverage at time of claim. So, I must document your refusal to accept coverage I recommend. At least when using the web site you refer to, you can't blame the agent for not giving you the coverage you needed. Who are you going to sue??

    Also, my commission is paid only if I get your business. The 1-800-getinsurance people get paid if they sell or not. What is the most efficient system of compensation? It would take 10-15 policies per week to match your paycheck and that doesn't include my overhead for the office.

  17. #17
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    I've got a sneaking suspicion that the only thing they were interested in was your SSN. My insurance company NEVER asked me for my SSN in all the year I've with them.

  18. #18
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    Got a quote from Progressive.com a few years ago, and yes, I had to give my Social Security number. Progressive's quote was over $100 higher per six months for my two vehicles for the same coverage. No, thank you.

  19. #19
    I dropped 21st Century because they treated me (a customer) in an adversarial manner. The situation was they had neglected to give me a discount for having LoJack. When I sent them a new copy of my certificate, they refused to accept it. They said it was a fraud because part of it was filled out by hand. All they had to do was call LoJack to confirm, which is what my insurance agent ended up doing to prove it to them. But this made me realize what kind of place I was dealing with.

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