Auto Insurance

[kjn]

Shopping for new auto insurance and also looking for motorcycle insurance and have a question. I've been on my own car insurance for about 3 years, but before was covered under my parents. I have made a few claims under their coverage but never on mine since I switched. My question is, when insurance companies asked if I had any claims will they see my accidents from when I was under my parents? Or will my report be clean since I had no claims under my own insurance? Thanks in advance

 

[Just02896]

Any and all claims filed are almost always visable by any and all insurance companies. How else would they be able to assess risk and quote you a policy premium? With that being said, I believe accidents / traffic violations become non-chargeable after 3 years.

 

[ScottB]

Was your Drivers License present ??? Did you use your real name and information ... then like medical insurance, they know everything. Also most use credit reporting as part of their risk assessment and charge accordingly.

 

[FUNX650]

Shopping for new auto insurance and also looking for motorcycle insurance and have a question. I've been on my own car insurance for about 3 years, but before was covered under my parents. I have made a few claims under their coverage but never on mine since I switched. My question is, when insurance companies asked if I had any claims will they see my accidents from when I was under my parents? Or will my report be clean since I had no claims under my own insurance? Thanks in advance

Just curious...

Ok...You've been on your own insurance
policy through a particular Insurance Co.
for ~3 years now.

So...When this particular Insurance Co.
asked you ~3 years ago if you had any
prior claims...What did you wind up tell-
ing them back then?



Bob

 

[PaulMys]

Just curious...

Ok...You've been on your own insurance
policy through a particular Insurance Co.
for ~3 years now.

So...When this particular Insurance Co.
asked you ~3 years ago if you had any
prior claims...What did you wind up tell-
ing them back then?



Bob

Was thinking the same thing..........

These insurance companies are pretty thorough. They are going to leave no stone (or dented fender) unturned when it comes to providing you with a policy.

 

[kjn]

I went with the same company my parents were with so the agent had all my info already. Someone told me that since the claims were not under my insurance it wouldn't affect me but didn't know how true that was. But from reading all the comments I guess its not lol. I also just checked my CLUE report and its clean but Idk how accurate that info is.

 

[FUNX650]

I went with the same company my parents were with so the agent had all my info already. Someone told me that since the claims were not under my insurance it wouldn't affect me but didn't know how true that was. But from reading all the comments I guess its not lol. I also just checked my CLUE report and its clean but Idk how accurate that info is.

•Call your Insurance Agent...
-He'll clue you in to the affects
your prior claims currently have,
and could have, in the near-future.

•Why do you want to switch from
your present Insurance Co.?


Bob

 

[kjn]

Gonna be looking for motorcycle insurance soon and I feel like i'm paying too much for my auto right now.

 

[FUNX650]

Gonna be looking for motorcycle insurance soon and I feel like i'm paying too much for my auto right now.

Probably wouldn't hurt to
shop around a little bit.

As a courtesy:
Once you do get a quote lower than
you're currently paying for your auto,
give your agent a chance to match.



Bob

 

[LSNAutoDetailingLSNAutoDetailing is verified member.]

Quote Originally Posted by kjn
Gonna be looking for motorcycle insurance soon and I feel like i'm paying too much for my auto right now.

LOL, don't we all...

Don't go by cheaper quotes alone... I've seen agencies cut coverage amounts to come in at a cheaper quote, when I ask to have them comp apples to apples, they were actually more expensive.
And yes, everything is pulled by your drivers license, SSN & credit report. An INS agent's software can tap into almost every DMV/RMV and could probably even tell you the VIN# of the car you owned 25 years ago. It's scary the amount of info that is available. As Bob already said, give your guy a call. If you're parents already have homeowners + auto's, I don't see you getting a cheaper rate going off to another company. Usually multi-family discounts apply... Call your agent and get more info...

Good luck!

 

[ScottB]

One of the most aggressive and competitive businesses ... only challenge, they often find something later and demand increased payment.

 

[Knozzmoeking]

Gonna be looking for motorcycle insurance soon and I feel like i'm paying too much for my auto right now.

In addition to what others have said, cheaper insurance is sometimes but not always coupled with inferior claims service.
You can check out reputations online.

 

[dmayer]

If your license was given in an accident or if you received a ticket they will know. Typically, 3 years after minor incident(s), they drop off and you won't be charged for them, unless it was a major offense like a DUI which can stay on longer (5-7 + years). Now if you've had a good number of minor incidents that were more than 3 years ago, an underwriter may still charge you as they still see you as a risk.

 

[custmsprty]

Probably wouldn't hurt to
shop around a little bit.

As a courtesy:
Once you do get a quote lower than
you're currently paying for your auto,
give your agent a chance to match.



Bob

First time I've disagreed with you Bob.

I have been a 100% commissioned sales person since 1991. So, if I come in and save you money over your current provider, whatever the service may be, my reward for doing that is you giving the current person who has been over charging you the opportunity to match my price. Boo hiss on that. I should be rewarded for saving you the money and earning your business. Your current provider should always be striving to keep earning your business and that means staying proactive and competitive.

 

[PaulMys]

First time I've disagreed with you Bob.

I have been a 100% commissioned sales person since 1991. So, if I come in and save you money over your current provider, whatever the service may be, my reward for doing that is you giving the current person who has been over charging you the opportunity to match my price. Boo hiss on that. I should be rewarded for saving you the money and earning your business. Your current provider should always be striving to keep earning your business and that means staying proactive and competitive.

They should (operative word) but DO they?

What I mean is, if you're just cruising along and getting overcharged, what incentive do they (unscrupulous insurance providers) have to inform you otherwise?

 

[custmsprty]

They should (operative word) but DO they?

What I mean is, if you're just cruising along and getting overcharged, what incentive do they (unscrupulous insurance providers) have to inform you otherwise?

That's what competiiton is all about, and the competitor should be rewarded not used as a leveraging device to keep the other guy fat and happy. In theory if my potential customers always let their current supplier meet my price I'd never get any business. Then I'd be out of buisness and then you'd no longer have competition in the marketplace and it would lead to higher prices. I'm totally up front with my prospects that if I'm more competitive I expect to be rewarded with the business.


For example, Mr customer, what is one of your largest operational expenses? So If I understood you correctly, x product is a large expense for your business. If I were able to save you x % over your current supplier would you reward us with the bsuiness?

And I've not even quoted a price yet?

 

[FUNX650]

First time I've disagreed with you Bob.

I have been a 100% commissioned sales person since 1991. So, if I come in and save you money over your current provider, whatever the service may be, my reward for doing that is you giving the current person who has been over charging you the opportunity to match my price. Boo hiss on that. I should be rewarded for saving you the money and earning your business. Your current provider should always be striving to keep earning your business and that means staying proactive and competitive.

That's all good and well...
(Yet I stay proactive too.)

Getting to the heart of the subject
at hand:
In this particular case, I guarantee that,
if you were an insurance sales person,
you sure wouldn't be able to offer the OP
a lower quote for an auto insurance policy
than the policy he currently has.



Bob

 

[PaulMys]

That's what competiiton is all about, and the competitor should be rewarded not used as a leveraging device to keep the other guy fat and happy. In theory if my potential customers always let their current supplier meet my price I'd never get any business. Then I'd be out of buisness and then you'd no longer have competition in the marketplace and it would lead to higher prices.That's what competiiton is all about, and the competitor should be rewarded not used as a leveraging device to keep the other guy fat and happy. In theory if my potential customers always let their current supplier meet my price I'd never get any business. Then I'd be out of buisness and then you'd no longer have competition in the marketplace and it would lead to higher prices. I'm totally up front with my prospects that if I'm more compettive I expect to be rewarded with the buisness.


For example, Mr customer, what is one of your largest operational expenses? So If I understood you correctly, x product is a large expense for your business. If I were able to save you x % over your current supplier would you reward us with the bsuiness?

And I've not even quoted a price yet?

That is what you (as an honest, yet profit-minded person) does.

And I should have been more clear in my first response.

Thousands of people do not shop around. They are "warned" that they will never get better coverage than with "bundling" their house, auto, life, etc. with one company. When simply, that is not the case.

 

[custmsprty]

That's all good and well...
(Yet I stay proactive too.)

Getting to the heart of the subject
at hand:
In this particular case, I guarantee that,
if you were an insurance sales person,
you sure wouldn't be able to offer the OP
a lower quote for an auto insurance policy
than the policy he currently has.



Bob

I've been with USAA for 27 years. I still shop them every couple years. I however don't ask Geico, Allstate, Amica to match the price. They have consistently been the lowest for me over years and their service and loyalty to their members is second to none.

The true meaning of value = a consistently quality product at a competitive price provided in a timely manner.

 

[FUNX650]

I've been with USAA for 27 years. I still shop them every couple years. I however don't ask Geico, Allstate, Amica to match the price. They have consistently been the lowest for me over years and their service and loyalty to their members is second to none.

•Longevity:
-I've outlived a couple of my
insurance company's agents.

•Loyalty:
-It's a two-way street.

•Shopping:
-I don't know of any savvy insurance
shopper that asks other insurance
companies to match their current
insurance company's rates;
-that would be the bass ackwards
way to conduct insurance shopping.



Bob