View Full Version : Auto Insurance hikes
hollohas
07-09-2017, 17:07
Ugh.
I got a 25% price hike on my auto insurance when my policy renewed this month with Geico. Zero negative activity. Zero changes in coverage. Same cars, same policy, new 25% higher price.
I've been EXTREMELY happy with Geico for many many years. They were amazingly easy to deal with when I had an accident many years ago and I've been a happy customer ever since. But this is BS. I called and they said the increase was because of increased medical costs, etc. That they needed to make sure they had enough money to cover the increased costs.
So I'm taking it in the ass on my medical insurance and now my auto insurance is raping me for the same reason. F Obama care. Seriously. If I could punch the ACA in the face I would. There isn't a day that goes by that doesn't cost me more than the last because of that shit.
Anyone else get a BS auto insurance hike like this?
PS - my umbrella policy went up 55% too. Un-freaking-believable.
Holger Danske
07-09-2017, 17:12
This happened to me years ago with State farm. I would say shop around, there is no need to pay more just to stay local to a company. I use an independent agent and have them shop the 20 or so companies they use every year so I get the best deal.
Bailey Guns
07-09-2017, 18:34
I have GEICO auto insurance. I renewed last month with no change in premium.
beast556
07-09-2017, 19:20
All insurances in CO are going up. Our home and auto had big increases this renewal. They have had to pay out big time from all the fires, floods and hail over the last few years.
JohnTRourke
07-09-2017, 19:22
hail, fires, floods (well no, insurance doesn't pay out on flood)
PLUS, they aren't making any money on their money. Used to be they made 5 to 10% on their money before it got paid out
now with interest rates at zero, they have to charge more to cover that.
health insurance OTOH isn't insurance and is just a total scam and fraud, top to bottom.
EvilRhino
07-09-2017, 20:33
Just switched to Geico in the last year from SF and it cut our auto in half. Several hundred less a month for homeowners and a few of my rentals. I think we are going up about $10/month for auto in this renewal which is less than 10% ish
3 months ago USAA told me that the >70% increase to my policy was due to an increase in the population of the area I live in and an increase in medical costs. It didn't matter when I told them I live in a county of 500 people and that my policy has limits on medical payouts
Great-Kazoo
07-10-2017, 07:15
CO has one of the highest Ins Rates in the country, thanks to weather and drivers.
Colorado insurance rates suck. No company will insulate you from it. Some just put it off longer than others. Colorado is almost 20% uninsured now too...so that doesnt help. Also, impact speeds are higher because no one pays attention. Higher speeds, more damage, more medical, etc. Now hail storms AND uninsured drivers on top? Dont forget the repair costs on all these new cars with massive tech. Those accident prevention sensors, back up cameras, 15+ computers on board, etc dont help either. Now the influx of people..
Yeah its good to have more paying in but 20% wont pay in and lets say 8k people move here in May, pay one month premium, then have 30k hail claim...that puts insurance WAY behind on those scenarios. Its a big mess in Colorado.
buckshotbarlow
07-10-2017, 11:08
Native of Colorado, and this thread, along with a lot of other B.S. in Kolorado now makes me want to move to Wyoming. Family is the only thing holding me back...I work from home and can live anywhere in the country to do my job. My USAA went up also, and that's after dropping a 3rd vehicle also.
Native of Colorado, and this thread, along with a lot of other B.S. in Kolorado now makes me want to move to Wyoming. Family is the only thing holding me back...I work from home and can live anywhere in the country to do my job. My USAA went up also, and that's after dropping a 3rd vehicle also.
Immediate, in the house family?
Dude, if I was work from home, I'd be anywhere but here. We're actually considering Nebraska, specifically Lincoln area.
I read an article a couple months back about an auto insurance industry study that showed an increase in Colorado automobile accidents caused by marijuana. Hinted that all auto insurance in the state would soon be going up for that reason.
I find it both amusing and disappointing to see people fleeing Colorado for similar reasons I had for leaving California. Makes me think this might just be a temporary stop.
buckshotbarlow
07-10-2017, 21:17
Immediate, in the house family?
Dude, if I was work from home, I'd be anywhere but here. We're actually considering Nebraska, specifically Lincoln area.
In'laws in C.S, Bro-in-Law 2 blocks up the road, my folks in Lo-town...My cousin lives in the outskirts of Lincoln, for about 45 yrs now and will never leave, just keeps moving out of the burbs to get more out of the burbs.
BPTactical
07-11-2017, 07:36
I read an article a couple months back about an auto insurance industry study that showed an increase in Colorado automobile accidents caused by marijuana. Hinted that all auto insurance in the state would soon be going up for that reason.
True statement
Amendment 64.....the gift that keeps on giving
I believe it was a 13% jump in accidents for legal weed states.
I just did a policy review with my agent. Insurance in CO is high, and going higher. Under and Uninsured motorists claims are on the rise as is inattentive driving and marijuana use which result in pool price increases.
NFATrustGuy
07-11-2017, 11:08
I find it both amusing and disappointing to see people fleeing Colorado for similar reasons I had for leaving California. Makes me think this might just be a temporary stop.
Certainly not accusing you of this or directing this at you, but I get very frustrated with our Immigrants from California for this very reason. People flee California and immediately upon their arrival in Colorado set out on a crusade to turn Colorado into California. This inability to tie actions to consequences is the bedrock of liberal psychosis.
My shelter insurance went down 5 bucks. 2 their fault accidents and 1 my fault accident and totaled vehicle in the past year.
2 vehicles & renters insurance. Totaled vehicle was 08 Z, purchased 17 imprezza.
Immediate, in the house family?
Dude, if I was work from home, I'd be anywhere but here. We're actually considering Nebraska, specifically Lincoln area.
Lived in Lincoln for about 10 years. While I liked the people and the city in general . . . the summer heat and humidity and the cold winters were not much fun. A nice summer day with 95 degrees and 85% humidity is not on the wish list.
But Lincoln has been growing and has some great places to go.
hollohas
11-27-2017, 15:49
What the frick! Geico is hitting me with another 15% increase on my upcoming renewal. This is fucked up.
The increase was in Bodily Injury Liability, comprehensive and uninsured motorist coverage, but the vast majority of the increase was the uninsured motorist coverage. It alone went up 42%!
Geico has been a great insurance company to deal with but 40% in less than a year with a clean driving record is absolute bullshit.
CO has one of the highest Ins Rates in the country, thanks to weather and drivers.
Also, the data is a few years old now, so the number could be much higher now (in fact, I'll bet it is much higher now)- over 35% of Colorado drivers (estimated) are driving around without insurance. Many are attributed to illegal aliens who have CO driver's licenses.
I read an article a couple months back about an auto insurance industry study that showed an increase in Colorado automobile accidents caused by marijuana. Hinted that all auto insurance in the state would soon be going up for that reason.
DUI numbers are also climbing- that includes a much higher rate of DUI-D (Drugs) arrests.
What the frick! Geico is hitting me with another 15% increase on my upcoming renewal. This is fucked up.
The increase was in Bodily Injury Liability, comprehensive and uninsured motorist coverage, but the vast majority of the increase was the uninsured motorist coverage. It alone went up 42%!
Geico has been a great insurance company to deal with but 40% in less than a year with a clean driving record is absolute bullshit.
Sounds like it's time to start shopping... I know a guy if you want to call and get a quote... He's very competitive.
What the frick! Geico is hitting me with another 15% increase on my upcoming renewal. This is fucked up.
The increase was in Bodily Injury Liability, comprehensive and uninsured motorist coverage, but the vast majority of the increase was the uninsured motorist coverage. It alone went up 42%!
Geico has been a great insurance company to deal with but 40% in less than a year with a clean driving record is absolute bullshit.
Rate hikes generally have nothing to do with your driving record.
Rate hikes generally have nothing to do with your driving record.
Exactly! They usually have to do with regional problems... like a hail storm that damages some 10's of thousands of cars/homes/businesses... or large scale fires (saw the effects of the fire down in COS a few years back firsthand, that was a terrible year).
KevDen2005
11-27-2017, 16:06
Also, the data is a few years old now, so the number could be much higher now (in fact, I'll bet it is much higher now)- over 35% of Colorado drivers (estimated) are driving around without insurance. Many are attributed to illegal aliens who have CO driver's licenses.
DUI numbers are also climbing- that includes a much higher rate of DUI-D (Drugs) arrests.
Sounds like it's time to start shopping... I know a guy if you want to call and get a quote... He's very competitive.
Saw a sign the other day that said, "States that have legal marijuana have a 25% lower opioid overdose death rate." I thought it was funny as Adams County is one of the country's leaders in Opioid overdoses that result in death.
Nothing to do with insurance it just reminded me.
That being said, Drugged Driving is skyrocketing. And a lot of courts kick the cases because of officer inexperience or the prosecution thinks it will be too much work to win.
We did just have the worst hail storm in Colorado history (as far as property damage) this year on March 8th. I've heard estimates ranging from 1.1 to 3 billion in damages. A lot of vehicles were stuck in rush hour traffic on I-25 and I-70 during the storm, and the storm hit in the thick of the metro area.
UIM has gone up a bunch in the past few years. There are a lot of factors for the increased rates...some are weather.
hollohas
11-27-2017, 16:20
Yeah, I know it has nothing to do with my record. I'm just pointing out that it wasn't something I did that caused the increase.
Same exact coverage, same discounts (actually my discounts INCREASED), same vehicles and somehow my policy increased 40% year over year. Never had a major increase in the 13 someodd years with Geico prior to that.
In July they told me medical costs have gone up. Today they told me repair costs have gone up because parts are harder to find. Ha! I have a newer Ford Explorer and a Gen 2 Tundra, I don't think so.
Their solution? Reduce my coverage. Yup, that'll make up for the increase.
And I think their customer service has degraded...right after I told the gal that they were going to lose a long time customer over this she gave me the old driving through a tunnel routine. "hello? Hello? Sir, you're breaking up. I can't hear you.". Click. Seriously.
Fuck you auto insurance. Same goes for you medical.
KevDen2005
11-27-2017, 16:21
UIM has gone up a bunch in the past few years. There are a lot of factors for the increased rates...some are weather.
We used to be able to revoke someone's license on the spot if they didn't have insurance (similar to a DUI), but that changed a couple years ago.
Rate hikes generally have nothing to do with your driving record.
Guess i should be glad i didn't see one. Maybe they were satisfied when i added vehicles.
We used to be able to revoke someone's license on the spot if they didn't have insurance (similar to a DUI), but that changed a couple years ago.
When I got hit by an uninsured driver, he had his daddy's expired insurance card. He didn't even get a ticket for it.
I would suspect they were both illegal immigrants.
KevDen2005
11-27-2017, 17:28
When I got hit by an uninsured driver, he had his daddy's expired insurance card. He didn't even get a ticket for it.
I would suspect they were both illegal immigrants.
Sorry for that. Not sure what the circumstances were, but I would hope that enforcement is being taken on something like this. A lot of uninsured motorists in this state for sure.
Sorry for that. Not sure what the circumstances were, but I would hope that enforcement is being taken on something like this. A lot of uninsured motorists in this state for sure.
He was a "Jr", and said that he had not printed a new card. CSP didn't recognize the Sr/Jr aspect. I don't fault them for it. Daddy's insurance policy had him excluded.
JohnTRourke
11-27-2017, 18:22
But but but, driving without insurance is against the law. Hell you can't even register your car without insurance.
how can this be?
the law does not protect us?
I am shocked, shocked I tell you
(sarcasm, but seriously, WTF)
I did notice no proof of insurance was asked for when I just renewed my truck.
Saw a sign the other day that said, "States that have legal marijuana have a 25% lower opioid overdose death rate." I thought it was funny as Adams County is one of the country's leaders in Opioid overdoses that result in death.
Nothing to do with insurance it just reminded me.
That being said, Drugged Driving is skyrocketing. And a lot of courts kick the cases because of officer inexperience or the prosecution thinks it will be too much work to win.I see it all the time... Especially working at the courthouse. I wouldn't chalk it up to lazy DDAs, it's more that their caseload is so massive that they really do have to try and plea down several cases or risk bogging the system down and having to ask almost every defendant to waive their speedy trial right.
Sent from my VS996 using Tapatalk
We did just have the worst hail storm in Colorado history (as far as property damage) this year on March 8th. I've heard estimates ranging from 1.1 to 3 billion in damages. A lot of vehicles were stuck in rush hour traffic on I-25 and I-70 during the storm, and the storm hit in the thick of the metro area.We can thank the massive influx of population for that. I'll bet if the exact same storm hit the exact same affected area 10 years ago (heck, even 5) it wouldn't have broken 1 billion.
Sent from my VS996 using Tapatalk
I was progressive for 9 years, and just changed to State Farm 3 month ago due to rising prem.
Rate hikes are common these days, no matter the company. A few factors that are causing this:
-Hail storm claims
-Influx of people coming here (thats a lot of new risks coming in each month that haven't been built into that years' rate structure)
-New tech on cars means higher repair costs each year.
-Body shop rates arent going down either
-Colorado is now at 20% uninsured, last I heard earlier this year. Hence why you saw the spike in UM coverage cost.
That's just to name a few of the challenges to keep rates level. It's VERY hard to do in Colorado.
Yeah, I know it has nothing to do with my record. I'm just pointing out that it wasn't something I did that caused the increase.
I didn't mean to start a discussion about why rates go up, because it still sucks for you (and everyone else), so I'm sorry to hear about the rate hike.
Your insurance costs can vary based on changes in your credit rating. That just seems crazy to me, but maybe I don't understand the logic there.
kidicarus13
11-28-2017, 15:23
Your insurance costs can vary based on changes in your credit rating. That just seems crazy to me, but maybe I don't understand the logic there.
I am not in the insurance industry but... it seems logical to me that people that make sound financial decisions (as indicated by a higher credit score) may also make better decisions while operating a vehicle, therefore having fewer accidents and having fewer insurance claims.
I am not in the insurance industry but... it seems logical to me that people that make sound financial decisions (as indicated by a higher credit score) may also make better decisions while operating a vehicle, therefore having fewer accidents and having fewer insurance claims.
Let's not forget that it's indicative that they pay their bills... hopefully on time. Nothing worse for an insurance company (or agent) when someone fails to pay their premium and allows their coverage to lapse.
I am not in the insurance industry but... it seems logical to me that people that make sound financial decisions (as indicated by a higher credit score) may also make better decisions while operating a vehicle, therefore having fewer accidents and having fewer insurance claims.
It's more about sound financial decisions relating to less likelihood to turn in claims all the time. If there were no deductibles, people would turn in a claim for every door ding and bumper scratch. You can already see that with people who turn in claims for windshields.
hollohas
11-28-2017, 16:28
You can already see that with people who turn in claims for windshields.
Filing a claim for a windshield never made sense to me.
People do it because it's "free," but it's only free because the policy has already worked in that cost, so you're paying for a new windshield via your policy, whether you want to or not.
muddywings
11-28-2017, 16:42
Filing a claim for a windshield never made sense to me.
Just out of curiosity, why? If you pay for a service (comprehensive coverage) and your windshield is more than your deductible, why not use your insurance? It doesn't hurt your premiums (unless you are caught doing it at an abnormal rate).
hollohas
11-28-2017, 16:46
Just out of curiosity, why? If you pay for a service (comprehensive coverage) and your windshield is more than your deductible, why not use your insurance? It doesn't hurt your premiums (unless you are caught doing it at an abnormal rate).They are less than my deductible.
Just out of curiosity, why? If you pay for a service (comprehensive coverage) and your windshield is more than your deductible, why not use your insurance? It doesn't hurt your premiums (unless you are caught doing it at an abnormal rate).
It costs more to have that feature in the first place, so you're paying for it whether you're using it. While Colorado state law says that insurance companies cannot raise your rates for having a specific comp claim, you can bet that they are generally raising rates on a regional scale if people are filing claims. The more people making claims, the more money that costs insurance companies.
More importantly, IMO, when you go to shop insurance, the new company is going to pull your CLUE report to see your claim history and drop you into a certain tier, just like everyone is placed in different tiers based on credit score. So if you have two people with exactly the same credit score, but Guy A has a comp claim, and Guy B has zero claims, Guy B will be put into a No Claims tier, while Guy A gets put into a higher premium tier because he has a claim. The insurance company will then look to see if the claim was an at-fault claim, or just a comp claim, or not-at fault or whatever, and place Guy A into the appropriate tier for having a comp claim as opposed to an at-fault accident.
Now look at the situation if Guy A has been getting his windshield replaced every year because "Hey it's free!" When he goes to shop for a better insurance rate, every company he shops is going to see that "Holy shit! This guy has had 8 claims over the past 10 years!" That is going to affect what you pay.
The same goes for filing home owners claims. In situations where someone files a claim, but whatever they filed for isn't covered, or is below their deductible, the claim is closed as "no payment made." In the short term, the company does not raise your rate for having filed that specific claim, but if you ever shop insurance the new company just sees that you filed a home owners claim and they don't care whether anything was actually paid out or not.
muddywings
11-28-2017, 18:05
It costs more to have that feature in the first place, so you're paying for it whether you're using it. While Colorado state law says that insurance companies cannot raise your rates for having a specific comp claim, you can bet that they are generally raising rates on a regional scale if people are filing claims. The more people making claims, the more money that costs insurance companies.
More importantly, IMO, when you go to shop insurance, the new company is going to pull your CLUE report to see your claim history and drop you into a certain tier, just like everyone is placed in different tiers based on credit score. So if you have two people with exactly the same credit score, but Guy A has a comp claim, and Guy B has zero claims, Guy B will be put into a No Claims tier, while Guy A gets put into a higher premium tier because he has a claim. The insurance company will then look to see if the claim was an at-fault claim, or just a comp claim, or not-at fault or whatever, and place Guy A into the appropriate tier for having a comp claim as opposed to an at-fault accident.
Now look at the situation if Guy A has been getting his windshield replaced every year because "Hey it's free!" When he goes to shop for a better insurance rate, every company he shops is going to see that "Holy shit! This guy has had 8 claims over the past 10 years!" That is going to affect what you pay.
The same goes for filing home owners claims. In situations where someone files a claim, but whatever they filed for isn't covered, or is below their deductible, the claim is closed as "no payment made." In the short term, the company does not raise your rate for having filed that specific claim, but if you ever shop insurance the new company just sees that you filed a home owners claim and they don't care whether anything was actually paid out or not.
As a former Associate Claim Adjuster for USAA-all true. I just took his broad statement and assumed he had a low comp deductible but wan't using it on a pricey windshield. If he calls in for a windshield replacement on a 10 year old car with a $1000 deductible, the insurance rep is just going tell him, 'your policy doesn't have enough coverage and sorry we can't help you but I would recommend Safelite (or one of our other preferred shops).'
If someone is claiming a new windshield once a year Underwriting will probably evaluate his policy and will raise rates regardless if he is a new customer or not. They'll look at if he is driving on dirt roads (is his house 5 miles on a dirt road or does he have some odd commute to work daily) and adjust accordingly. Or it will go to fraud prevention especially if he isn't using their standard windshield service like Safelite.
However, i see a lot of people not using their insurance even though they are paying for it. ie: free chip repair when they have comp coverage. Or what I assumed, was he had a $250 deductible on a $500 windshield and he hasn't used his comp coverage in years. You're paying for coverage and a service-use it. I haven't hesitated to use my comp coverage in hopes that others would also not use theirs in hopes of keeping Colorado rates low. (thats a lot of hoping and its not going to happen IMHO). In 10 years in CO I've replaced two windshields and wouldn't hesitate to use my comp coverage again if it saved me money.
IMHO
While I was never in underwriting, when I was new I trained with all the underwriters and had friends in that department. While some companies still maintain a hands on approach to personal auto underwriting, I'm under the impression that a lot of it is automated when it comes to renewals. Even if it isn't, I have to seriously question whether some entry level underwriter with 100 policy renewals to review every week is going to take the time to determine if someone lives on a dirt road or how far they travel to work. Even if they did, living on a dirt road and having yearly windshield replacements would likely just add up to paying a higher rate.
Under the full realization that no one ever asked me, it's my opinion that prices for services and customer service are in a never-ending positive feedback loop that continues to drive prices up faster than would inflation and population increase alone. I'd personally rather pay slightly less for an insurance policy than having free windshield replacement built in. Especially concerning windshields specifically since the most common damage is gained from driving on the roads. It'd be like offering free tire replacements for flat tires. It's a very easy sell, and who wouldn't want free windshields and tires? But in the end all it does is raise expectations, and ultimately rates. This isn't just an insurance industry issue though.
Your insurance costs can vary based on changes in your credit rating. That just seems crazy to me, but maybe I don't understand the logic there.
There is data out there that higher math scores result in lower accident rates. While females are in more accidents, the cost per accident of males is higher. People with lower credit scores populate the vast majority of work comp claims and "injury accidents" that are later proven to be frivolous or contrived, but still at a cost to the carrier to adjudicate.
My glass policy is a rider, costs less to have it than not for me.
My 6 month policy for 3 (old) vehicles went from $996 to $1,500.
I do get an additional discount for paying in full every 6 months.
2004 Ram
2003 Audi
2008 Suby Imprezza
Uninsured motorist for all 3 from 98 to 225.
Comprehensive more than doubled for each.
I've had ONE hail claim on my truck last year.
Wife had one hail claim a few years ago.
I paid out of pocket for two windshields as it was less than my deductibles. Have never claimed a windshield
Neither of us have any moving violations on record and I have spotless credit (the wife not so much).
Sucks that we're all paying for the uninsured and sh*tty drivers.
Progressive has generally been good to me and I'm an "Emerald" member.
Anyone think I can do better with USAA?
You should give USAA a shout for a quote. Great Company...that by itself makes me wish I had gone into the Military when I was a wee lad. :)
I have glass coverage when it makes sense. When I had a Chevy truck, a new windshield cost $150 installed, so it didn't make sense to pay for the coverage + $100 to use the policy. Now that I have a couple of vehicles that aren't that common and have sensors that interface with the glass, it makes more sense.
My 6 month policy for 3 (old) vehicles went from $996 to $1,500.
I do get an additional discount for paying in full every 6 months.
2004 Ram
2003 Audi
2008 Suby Imprezza
Uninsured motorist for all 3 from 98 to 225.
Comprehensive more than doubled for each.
I've had ONE hail claim on my truck last year.
Wife had one hail claim a few years ago.
I paid out of pocket for two windshields as it was less than my deductibles. Have never claimed a windshield
Neither of us have any moving violations on record and I have spotless credit (the wife not so much).
Sucks that we're all paying for the uninsured and sh*tty drivers.
Progressive has generally been good to me and I'm an "Emerald" member.
Anyone think I can do better with USAA?
I can PM you my brother's info and see about getting you a quote if you want. They represent Travelers and Chubb (but don't do monoline auto, so they'll want to look at your home- which could save you more $$ in the broader scheme). When I worked in the biz, I would definitely tell people to shop around, but also to be wary as the best price might not always get you the best coverage. When someone asked "how much coverage do I need?" I would always respond with "how much are you willing to risk?" Meaning, if you t-bone a 1989 subaru and cause minimal injury it may not be bad, but what if you t-bone a '17 Merc driven by a hand surgeon who loses the ability to work? What if your Uncle's friend who's a aerospace engineer comes over for dinner and falls and bonks his head and is unable to work? Can your auto/homeowners/umbrella provide enough with your current liability limits?
hollohas
11-29-2017, 17:09
My last windshield cost me $348.71 a year and a half ago. Only windshield I've had to replace since I purchased my 2010 Tundra new. I carry $1000 deductibles.
That said, I won't buy one from Safelite again. Thing is a weak piece of shit. I need a new one already.
When someone asked "how much coverage do I need?" I would always respond with "how much are you willing to risk?" Meaning, if you t-bone a 1989 subaru and cause minimal injury it may not be bad, but what if you t-bone a '17 Merc driven by a hand surgeon who loses the ability to work? What if your Uncle's friend who's a aerospace engineer comes over for dinner and falls and bonks his head and is unable to work? Can your auto/homeowners/umbrella provide enough with your current liability limits?
Exactly. When I called Geico to complain, they said "Well, you have way more coverage than you need, why don't we reduce that to get your premium down.".
Umm, no.
1st of all, reducing my coverage to get my premium back closer the what it used to be does not address the bullshit 40% increase. That's like telling me the 600% increase in my health deductible that helped keep my health premium "down" was a good trade. Hell no it's not. Lower coverage and higher premiums both suck balls.
2nd, how the eff do they know how much coverage I need? I prefer to carry deep insurance. Yes I could get cheeper rates by reducing coverage. But I'd rather protect me and my family financially.
However in exchange for me buying high-end insurance, I expect the insurance company I have paid a shit ton of money too without asking anything back from them for years would not just one day decide to shove it up my ass.
Zero claims in 6 years (one claim in my lifetime). High credit scores. Same cars. Same drivers. Same employement. Same use. 40% increase is flat crazy no matter how you shake a stick at it. I'm still pissed.
Anyone here get a 40% increase in their pay this year for doing absolutely nothing different? Anyone here seen 40% inflation in the last year? Do brand new cars cost 40% more than the same model last year? Used cars? Did any parts or service on your car cost 40% more this year than they did last year? Nope. Nope. Nope.
40% is bullshit.
Speaking of auto insurance. Does state of CO allows a person to get bonded instead of having an insurance?
Just asking...
You can have a broadform policy, but I don't know how similar that is to being bonded.
I can PM you my brother's info and see about getting you a quote if you want. They represent Travelers and Chubb (but don't do monoline auto, so they'll want to look at your home- which could save you more $$ in the broader scheme). When I worked in the biz, I would definitely tell people to shop around, but also to be wary as the best price might not always get you the best coverage. When someone asked "how much coverage do I need?" I would always respond with "how much are you willing to risk?" Meaning, if you t-bone a 1989 subaru and cause minimal injury it may not be bad, but what if you t-bone a '17 Merc driven by a hand surgeon who loses the ability to work? What if your Uncle's friend who's a aerospace engineer comes over for dinner and falls and bonks his head and is unable to work? Can your auto/homeowners/umbrella provide enough with your current liability limits?
I used to have home/auto with the same carrier (AmFam) and I've looked into combining home and auto again a few times over the last 10 or so years since I dumped AmFam due to a BS rate increase on the auto's, but they've managed to maintain my HO insurance standalone at the best rate. Nobody has ever been able to do better than what I currently have with the split policies. The only claim I ever filed with AmFam was for some wind damage that blew down a couple sections of fence.
That said, the last time I shopped them, it was only with Progressive who wasn't underwriting CO policies at the time so maybe it's time to shop around.
Funny really, because we had to file a bad faith lawsuit on my son's behalf (was a minor) against both AmFam and Progressive when they weren't paying my son's medical bills from an accident caused by Prog driver. Then years later I switched to Progressive.
Anyone here get a 40% increase in their pay this year for doing absolutely nothing different? Anyone here seen 40% inflation in the last year? Do brand new cars cost 40% more than the same model last year? Used cars? Did any parts or service on your car cost 40% more this year than they did last year? Nope. Nope. Nope.
40% is bullshit.
Nope- highest raise I've received was this year at 6% (3% for performance eval, and 3% COLA increase- 1st in my 3 years working here). It's across the board- everything is increasing except incomes. You can get a 4% raise, but when insurance goes up 20%, groceries go up 8%, and taxes go up another 2%, your pay is not commensurate.
If you really want to have fun, just go over to https://data.bls.gov/cgi-bin/cpicalc.pl and start plugging in the Baby Boomers' "Well I got through college on a part time job making $5/hr in 1970! you lazy kids these days!"...
OtterbatHellcat
12-01-2017, 17:30
You can get a 4% raise, but when insurance goes up 20%, groceries go up 8%, and taxes go up another 2%, your pay is not commensurate.
Preach that truth.
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