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

[Mark Nunnally]

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

We had a multi-line with State Farm to, LM's multi-line quote was roughly 1/2 what SF was

>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.

Had a buddy in NY who had a few bike mishaps with progressive, and had nothing but praise with their service.  Like most things, it's probably the actual person (with insurance, your agent) who you deal with.

Back to the credit thing, it's probably just a statistics things.  They base just about everything on that, anything that doesn't line up, they transfer the risk ($$) to you.  I recently did a term life policy and got bumped from super preffered rates, to prefferred rates, simply because of a past cancer history in my dad from 15 yrs ago (he was treated successfully).  they look for stuff like that under age 60.  what irks me about that, is my sister's husband just got super preffered even though his dad died at 62.  So I've got a healthy father who's alive, and I get bumped down a column.  Beyond that, I don't buy too much into the family history gig, it's mostly your lifestyle and how you treat your body, stuff my dad did early on in contributed to that.  but, they still look at statistics and transfer the risk to you...

mark