I have used AAA Insurance as my automobile insurance provider for close to ten years, as my son also did for many years. Neither of us have accident, tickets, anything on our records. I have paid average premiums of $67 a month, when my son was on the policy was double that amount. Then a couple of weeks ago I received a letter, questionnaire from them digging for information so that they could increase my premiums (happened to be right after all the storms) and I know exactly what they are up to because I worked for Economy Insurance Company when I was in my early 20, s as a "application verifier" and was
required to do this very job, so I know the questions they ask and why! They were trying to jack my rates up because of a small business I have on the side selling health and nutrition products, which is shipped directly to customers from the companies location but I only sell it, so I can purchase if for myself at discount, so my car is not used for business purposes. Since I lost my other full-time job in May of my car does nothing but sit in my drive way. When I was working, I rode the Metro every day, so I have basically handed my money to them for nothing the whole time I have had insurance with them! Then I had a truck pass me, one of thousands of speeders I see on the road daily who they never contact, and it threw a rock up and chipped my window. I contacted my agent at Page Insurance Agency 54 Crownview Mt. Vernon, IL. 62864 618-242-7000 after I contacted the claims number at AAA Insurance 12901 North Forty Drive, St. Louis, Mo. 63141 866-222-2378 because
the girl I talked to there made every excuse in the book as to why they would not cover having the chip filled (although I have full coverage insurance), it would have cost them $27 to fix it. She said they changed the rules recently and now only cover such for people who have a 0 deductible on comprehensive coverage, mine is $500 deductible. I told her how I felt about giving my money away to them and that the rates were already too high for my driving record and age and that I was going to look around for other insurance, her response was "GO AHEAD!" So, I contacted my agent to do so and she said she would try with another
insurance company she works with and see if she could get me a lower premium.
She explained they were a smaller company and better to work with. I told her I had lost my job, so my credit may not be as good, but she could try anyway. I received a letter with a quote that was around $100 mo. From this other company, which I threw in the trash can! Now, a week later have received a renewal notice from AAA Insurance and they have jacked my monthly premium from $67 mo. To $77 mo., with an attached Fair Credit reporting act notice from LexisNexis Risk Solutions, Inc. PO BOX 105108 Atlanta, Ga. 30348-5108 800-456-6004, claiming they were raising my premium $10 month because my credit
rating had dropped, so my insurance score was lower due to # of delinquent accounts with 30 day late payments, # of accounts with 30 day or worse late payments in last 24 months account with a reported delinquency status including bad debt (lost my job May my bills are $2000 mo. My unemployment is $237mo. I am eating from a food bank, of course my payments are
behind, no job, no payments, but this is NOT a legitimate reason to jack up my insurance rates so they can cover their losses from the storms this year), # of accounts that have been established (have not opened any new accounts or used any credit cards in three years)! They deliberately used this credit report they pulled on me to not only deny me the ability to switch companies, as they both inflated the rate, but used it to jack my premium up further due to my job loss and associated late payments! This is extortion! How do they expect me to pay more if I am having trouble paying the regular payment I owe now?
They think people are supposed to just HAND them FREE money and never use their insurance, this is theft!
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