xCourxCorex
DIS Veteran
- Joined
- Jan 27, 2005
- Messages
- 2,204
Anyone here have experience/knowledge into car insurance (specifically MA)? I'm switching agents and updating my policy for the coming year... here's the background
Bought my new-to-me 2010 car in November 2012; insurance at that time was $1602 for the year (Nov '12-Nov '13). I had one surcharge from 2007 (accident in Dec '06, surcharge in Feb '07). Ok, I figured since it is a higher end car, nicer/newer than anything I had before, plus the surcharge still on my record, it'd be a bit high. So in February I call my agent to see if the plan will automatically lower since the surcharge should be "gone" and I have exactly zero incidents in the past 6 years... I am told that I'll see a discount on my next policy renewal.
Well, now I received my policy for the next year, and yes it does show me at the "excellent driver" step with a significant discount, however my rates went up nearly $300 across the board ... no changes, no accidents, no moving violations, nada. I shopped around and got that price beat by $600, with higher limits on every part of the policy (yay!)
My current agent (for the next week or so until my new policy is set up and takes effect) is just such a slimeball
... never returned my call when I left a message to discuss why in the world my rates jumped so high in a year with no incidents... rudeness all around from the others in the office.. now I'm wondering if I really should have had my policy adjusted when the surcharge disappeared back in February... If it was the other way around and I caused a huge accident, and my rate was going UP instead of DOWN, I'm sure they'd figure that out real fast and make sure I paid the difference...
Anybody have any insight? If a surcharge drops off in the middle of a policy, can it be adjusted to the lower price?? If so.. that would've saved me a bunch the past 7 months and I want it back!
Bought my new-to-me 2010 car in November 2012; insurance at that time was $1602 for the year (Nov '12-Nov '13). I had one surcharge from 2007 (accident in Dec '06, surcharge in Feb '07). Ok, I figured since it is a higher end car, nicer/newer than anything I had before, plus the surcharge still on my record, it'd be a bit high. So in February I call my agent to see if the plan will automatically lower since the surcharge should be "gone" and I have exactly zero incidents in the past 6 years... I am told that I'll see a discount on my next policy renewal.
Well, now I received my policy for the next year, and yes it does show me at the "excellent driver" step with a significant discount, however my rates went up nearly $300 across the board ... no changes, no accidents, no moving violations, nada. I shopped around and got that price beat by $600, with higher limits on every part of the policy (yay!)
My current agent (for the next week or so until my new policy is set up and takes effect) is just such a slimeball
... never returned my call when I left a message to discuss why in the world my rates jumped so high in a year with no incidents... rudeness all around from the others in the office.. now I'm wondering if I really should have had my policy adjusted when the surcharge disappeared back in February... If it was the other way around and I caused a huge accident, and my rate was going UP instead of DOWN, I'm sure they'd figure that out real fast and make sure I paid the difference... Anybody have any insight? If a surcharge drops off in the middle of a policy, can it be adjusted to the lower price?? If so.. that would've saved me a bunch the past 7 months and I want it back!
