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Insurance Rant
  #1  
Old 03-29-2019, 04:09 PM
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Plague*Star Plague*Star is offline
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Default Insurance Rant

TL;DR car is dying, need replacement car, nothing appealing used, looking at new cars.
So I have had my house and car insurance with the same agency since my father died; he went to school with the owner. The woman I dealt with in the past retired a while back. So i sent them an email to find out what they needed in order to quote me on insurance, since I would probably be getting financing and would need comprehensive coverage. I'll summarize the email thread below:
PS: Hi, I'm Plague Star, I have insurance through x with your agency, I have dealt with B in the past but understand she has retired. Can you put me in touch with somebody to quote me on insurance for a new car? 2002 car is ready for replacement.
(2 hrs later)
Agency Owner: Hi, I'm AO, I will be happy to assist you, we all miss B. Please give me a call to discuss your new purchase-I will need yr make model VIN, deductible.
(OK, I don't want to call, leave a message, have you call back when I'm with a customer, leave a message, yadda yadda. Why would I want to read you VIN #s when I can cut and paste?)
(5 days later I write)
PS:Thank you for your reply. What I am trying to assess is how much my insurance would change, so I can avoid any unpleasant surprises.
I am currently considering a Kia Soul.
So, for a baseline, how much would the same policy I currently have on the 2002 Sonata cost on this car listed on Craigslist ( a ballpark figure would be fine, I don't need an exact quote): (car VIN, cost, milage, link to ad).
And the car I am seriously considering is brand new, so would require comprehensive coverage, but I would probably go with the highest deductible ($500?): (car VIN, cost and link to dealer's website)
(7 days go by)
PS: am currently in negotiations to purchase the 2019 Soul listed below. However, I don't want to finalize an offer until I know how my auto insurance will change.
Could you please provide me with the updated information I requested? If you need more information, please tell me. (again, car info)
(2 hrs later)
AO: Will you be trading in Ėor is this an addition to the policy? (I thought I had stated that I was replacing the car, but...whatever)
(15 mins. later)
PS: Oh, sorry if I wasn't clear. The Sonata is reached the end of its lifespan, so I will be taking it off the road.
Thank you for getting back to me.
(24 hours go by...the whole afternoon of the previous day, and the afternoon of the next)
AO:Ok-then you will be transferring plates-correct-I have to be clear on this as I donít want you to get in trouble with DMV-plates w/no ins.-
(WTF? It sounds like he's getting ready to transfer to insurance from my old car to the new car I haven't bought, and now can't buy because somebody else bought it while I'm playing games with the insurance agency)
( 1 hour later)
PS:Yes, I will be transferring the plates from the 2002 Sonata to whatever vehicle I purchase. At this time, I am only trying to get a rough idea of what my insurance costs will be if I purchase the new 2019 Soul.
+++
So, that was two days ago, and....nothing.
So this guy has gone from a slam-dunk customer to my preparing to shop around for quotes because....he doesn't like email? He can't read? He doesn't care? I know this post is probably a wall 'o words, but I've really tried to keep the correspondence simple.
I'm just really really angry right now-I'm really stressed from trying to purchase a $20,000 car-something I have no experience in doing- and now I have the additional stress of shopping for insurance, which was not in the plan. I've also had a hassle setting up the financing, which was not part of my original plan to buy a decent used car I could pay cash for and be self-insured as always. My credit is fine, I got locked out of the loan website and when I called the number for support-"Oh, I don't know anything about THAT." So I set it up over the phone, but I'll still have to deal with the website problem at some point, unless I finance through the dealer, which is another rant in itself...

  #2  
Old 03-29-2019, 08:38 PM
Buzzard Buzzard is offline
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Sounds like one of the banes of my tech support experiences. Read just one line/item in the whole message, disregard everything else, including context and/or the actual issue, then paste in some generic reply that ...answers jack freaking shit.
This guy will, at the very least, require full information copied to each. and. every. single. message. and. reply.

Shop for quotes. Even without this guy trying to be a scatterbrain, it's always a good idea to check around occasionally. Sometimes you get surprises and/or information to get a better rate for sticking around.

  #3  
Old 03-29-2019, 11:02 PM
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notalwaysright notalwaysright is offline
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Quote:
Quoth Plague*Star View Post
TL;DR car is dying, need replacement car, nothing appealing used, looking at new cars.
I read this and was like "did I make a post and then forget?" because this is my circumstances. My current car is even very close in age to yours, 2003. Crazy. Anyway, a while ago I price shopped for car insurance, and was really happy I did. It sounds like you might need to do the same... It wasn't as much of a hassle as I thought it would be, and (not to sound like a commercial) but I did save a lot of money.
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  #4  
Old 03-29-2019, 11:14 PM
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For insurance, you can always hit progressive.com for an estimate, no vin required, just year, make, model and desired coverage level.

If you're looking for a new car on the cheap, look into the Dodge Dart. Apparently it wasn't popular, and was eliminated a few years ago, 2016 I think. While it's MSRP is $20K, some dealers still have ones stuck on their lot, and I've seen new on cars.com as low as 13K.
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  #5  
Old 03-29-2019, 11:57 PM
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Quote:
Quoth Javarod View Post
... Dodge Dart. ...
Patty Larkin had one...
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  #6  
Old 03-30-2019, 02:36 AM
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Seanette Seanette is offline
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I have a Dodge Dart, and even my rabidly Ford-loving DH likes it. We just need to get rid of that "please do awful things to me" sign it seems to have. In the last two months, we've dealt with two collisions and a breakin.
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  #7  
Old 03-31-2019, 10:51 AM
TheSHAD0W TheSHAD0W is offline
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Ahh, Mopar. It's a love-hate relationship. I like my pickup, excepting some of the engineering and a few "features" that are really fscking annoying sometimes, like the pretty white speedo with illuminated black letters that becomes unreadable under some lighting conditions.

~
  #8  
Old 04-02-2019, 03:23 AM
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bainsidhe bainsidhe is offline
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LOL, I just traded in my 2004 and purchased my very first "NEW" vehicle. And yes, a car loan is pretty intimidating, when I haven't had one for years.

If you are financing, check around, especially with local credit unions. I found one that was offering 2.99%, while two others were offering 4.5% as a best rate. Those dollars add up!

As for insurance, talk to coworkers, check online, and get multiple quotes. In the last 16 years I've had 3 insurers. The 1st was fine, but kept raising rates and was getting too expensive. I went to 2nd company which turned out to be almost half the cost. And 3rd company, who has treated me quite well, is a few hundred less than that.

Also, check with your insurance company to learn if you can take a drivers class for an insurance discount. Every state is different, but in my state you can take an online class that will save you 10% towards your insurance premium. What can I say, I love a bargain LOL.
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  #9  
Old 04-02-2019, 07:36 AM
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Other things to think about; check the small print! Some policies are really cheap because the only way to claim is to have been hit by a unicorn on the 31st February.

Look into a dashcam as well; some (but not all) insurance companies offer a discount if you have a dashcam.
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  #10  
Old 04-03-2019, 04:38 AM
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Quote:
Quoth greek_jester View Post
Other things to think about; check the small print! Some policies are really cheap because the only way to claim is to have been hit by a unicorn on the 31st February.

Look into a dashcam as well; some (but not all) insurance companies offer a discount if you have a dashcam.
There is a Daffy Duck Porky Pig cartoon called Fools Coverage that makes fun of that situation -- the crazy requirements needed so the policy would pay off.
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