Well, I guess every situation is different. I just got my renewal for my auto insurance. Guess what, It went up $50.00. Ihaven't had a claim of any kind for over 10 years.
Haven't even had any tickets. I called Geigo, I asked them why my premium went up, since I had done nothing to cause this. Their answer: "We have paid out more in premiums in your area, so we had to increase." Fine, I understand that. But, increase the premiums on those that caused the payouts, don't increase it on the ones that saved you money. Yes this is different from my other posts. Because what i do has a direct effect on what i am charged. I don't take the chances that most people do.By that I mean: If the speed limit is 75, I don't do 80. Someone wants to cut me off at an intersection, I let them. It only takes once to get a ticket, or have an accident, I don't plan on being that one. So, when Geigo told me my premium was going up to $454.00 for the next 6 months ($900.00 for the year) I called AIG. Now, with Geigo, I had no "Frills". I had just what the state required. I have a 1994 vehicle so I don't need full coverage. When I called AIG and told them my situation look at what I received:
15/30,000 per person per accident $143.00
10,000.00 property damage 99.00
Comprehensive w/$250.00 ded. 59.00
Total cost $301.00
I got the comprehensive because with it I get FREE OF CHARGE:
Road side service (Towing, flat repair, etc)
Extended Transportation expenses
Per day/max amount $30.00/$900.00
My advise: When it comes time to renew your policies, CALL AIG!!! They will give you what you earn.
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