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Car Insurance

A Blog About Driving and Car Insurance in the USA

Sunday, October 19, 2014

I Don't Understand Insurance Scores

Credit Karma Car Insurance Score
Credit Karma Car Insurance Score
According to CreditKarma.com, my car insurance score is 860, which seems like a good number, but it isn't, because it translates to a "fair" credit rating.

I really don't understand this, because my other scores are high and rated "excellent."  I've been with +GEICO Insurance for many years, and have never been late with a premium payment.  This is just wrong.  I really don't like this!

I'm hoping someone can explain this to me...

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Friday, January 17, 2014

Cracked Windshield: A Very Expensive Mistake...

Cracked windshield goes from simple fix to costly nightmare...
Cracked windshield
Got home from a short drive last week and discovered a small crack in my windshield.  I showed it to my fiancee, and she recommended that I get it fixed right away, because with all the cold weather and snow we've been getting, the crack may expand quickly.

I should have taken her advice, as that is exacly what happened!

Bah!

I've had cracked windshields before, and never have they expanded so quickly, and so extensively.

I called Geico, my insurance company, and asked what I should do.

They told me that as long as the crack isn't longer than a dollar bill, they'll fix it for free, since it's my first glass claim.

            Yaay!

But my buzz was killed when I drove my car over to Safelite.  They told me that the crack was just beyond their ability to repair it, and that I'd need a new windshield!

No way, I protested, because I have a high deductible ($1,000.)  Replacing the entire windshield would cost me north of $640, all out-of-pocket!

I called up other glass shops, and they all told me the same thing.  They explained that repairing a crack that's too long renders the glass unsafe, and they don't want the liability. 

Boooooooooooo!

So I'm leaving the glass as it is, until I find someone who will fix it for cheap.

What a headache.....

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Sunday, December 30, 2007

Switched to Geico

I recently switched my car insurance to Geico. Sure, this sounds like a commercial, but it's true.

The company that used to insure me, State FarmĀ®, was adequate, but they had a problem with me and my out-of-state driver's license. I tried to get my license transferred to my new state when I moved but, in my current state of residence, the ID requirements are way too rigid, so the whole process ground to a halt. If I had moved before September 11, 2001, I wouldn't have had any problems transferring my license.

So, because of the license issue, State Farm eventually decided that they no longer want my business . I didn't shed any tears when I got the news that I was being dumped. The customer service at the State Farm office where I was insured wasn't very cordial. I often got an "attitude" whenever I would ask simple questions about how my insurance policy works, and I don't like that. The way I see it, when you are paying a company good money for a service, and they give you an attitude like you are their employee, then it's time to go. Yup.

To be fair to State Farm, I can report that there is a different State Farm office near my current residence, and from what I can tell the service there is quite good. I went into this office some months ago to get a document notarized. I had to wait for the next available agent, since at that moment there were other motorists being helped. I sat down and listened to the conversations (I'm not nosy; the office was small and I could not help but hear the chatter.) The agents were polite and they took the time to explain things in detail, which is the way it should be. An agent eventually notarized my document, and didn't charge me anything for the service. The agent seemed a bit stressed with paperwork, a constant stream of walk-in clients and a phone that just kept ringing, but she still managed to smile and provide gracious service regardless.

Since each State Farm office is independently owned, I guess you just have to find the right office if you are going to insure with them.

Another reason why I wasn't too upset about State Farm's decision: there's so much competition out there that I knew I wouldn't have any trouble finding a new carrier, even with the time pressure (I needed a policy fast because a lapse of insurance coverage is serious matter. Most car insurance companies won't even consider insuring you if you have an insurance lapse.)

So I shopped around online, and eventually ended up with Geico. I signed up online, but made a phone call to Geico before executing that final mouse click to seal the deal. I needed to be sure that they wouldn't have a problem with my out-of-state license before I finalized my order. A very helpful agent told me that he understood my situation and that Geico didn't have a problem insuring me. So the deal was done.

So I'm now a Geico customer. My premium is reasonable (I'm paying about $200 less per cycle than I was paying with State Farm) because I'm over 35, I have a good credit score and a I have a clean driving record. I've never had to file an insurance claim, and I hope this trend continues. If I have to file a claim with Geico at some point, I'll be sure to blog in depth about it here.

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