[Shotimes] Re: Semi OT - Insurance rates/Credit Rating

[Ron Porter]

You about always get better rates when you carry multiple lines (car & home)
with one company.

Liberty Mutual seems big enough, but I have always stayed with large,
national firms, as I do drive around through many other states, and I don't
want a claim hassle.

Well, except I would NEVER get Geico, nor would I get Progressive again. On
had Progressive on motorcycles years ago, and had no issues, but others
have.

Ron Porter 

-----Original Message-----
From: shotimes-admin@autox.team.net [mailto:shotimes-admin@autox.team.net]
On Behalf Of Mark Nunnally
Sent: Wednesday, April 26, 2006 2:07 PM
To: shotimes
Subject: Re: [Shotimes] Re: Semi OT - Insurance rates/Credit Rating

Just recently (within the last year) switched from State Farm (been with
them forever) to Liberty Mutual.  Same coverage, 1/2 the price.  Great local
agent to work with, good referrals from other folks.  Agent seemed to
indicate they are really after the home market, and are discounting the auto
line heavily to get folks to take a look at home policy.  



-----Original Message-----
>From: Dave Garber <dave.garber@comcast.net>
>Sent: Apr 26, 2006 9:27 AM
>To: Scott Krietemeyer <ven0msho@gmail.com>
>Cc: v8sho@v8sho.com, shotimes <shotimes@autox.team.net>
>Subject: [Shotimes] Re: Semi OT - Insurance rates/Credit Rating
>
>See, that's where I disagree. There are so many things that affect that
>rating, to suggest that it's a good indicator of 'responsibility' is a
>specious argument at best. What if I was sick, off work and had to file
>bankruptcy? What if a divorce caused me to take a hit on my credit? A
Layoff?
>Are you suggesting that these things indicate a lack of "responsibility"?
>
>The only criteria an insurance company should need to gauge
'responsibility'
>should be accident reports and claims records. Beyond that - again, what
does
>my credit rating have to do with my insurance rates? I'm not asking for
>"credit". I'm not asking for them to cover my car now, while I pay later. I
>sure as hell aren't asking them to pay a claim now, and allow me to pay it
>back over time??
>
>Dave Garber
>Pittsburgh, PA
>99 White, 97k
>99 Silver, 80k
>
>
>  ----- Original Message -----
>  From: Scott Krietemeyer
>  To: Dave Garber
>  Cc: v8sho@v8sho.com ; shotimes
>  Sent: Wednesday, April 26, 2006 9:20 AM
>  Subject: Re: Semi OT - Insurance rates/Credit Rating
>
>
>  As much as it pains me to suggest it, I believe the credit rating is a
good
>measure of "responsibility", the insurance companies could look at this
from
>various angles, including such things as *gasp* fraud.
>
>  Scott
>
>
>  On 4/26/06, Dave Garber <dave.garber@comcast.net> wrote:
>    Was checking on a couple different insurance companies to see if my
>current rates are competitive (I usually do that every few years), but I
>hadn't done it in a while.
>
>    Can someone tell me why my credit rating is used as a determining
factor
>in calculating an insurance rate for my car? WTF does my credit rating have
to
>do with a service that I pay for in advance? They aren't giving me anything
on
>credit. I pay, they cover. If I don't pay, they drop me. Am I missing
>something here? Are they to have me believe that credit rating is somehow
>related to driving skill or propensity to have an accident? Have I
mentioned
>how much I despise insurance companies?
>
>
>    Dave Garber
>    Pittsburgh, PA
>    99 White, 97k
>    99 Silver, 80k
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