I have three teenagers and car insurance!! UGH

by InsTeacher » Fri Mar 14, 2008 04:43 pm

OK Community...time to help out the ol' InsTeacher. I have three teenagers, a 16 yr. old daughter, a 17 yr. old son and a 19 yr. old daughter. I also have car insurance. The entire household has clean MVRs, and the 16 yr old and 17 yr. old qualify for good student rates, the 17 yr. old had driver's education. We are married, mult-car homeowner, and would like a multi-policy discount. Home has zero underwriting problems, and no HO losses ever (well, since 1989 or so).

My car insurance rates suck, at least in my opinion. SO...here's the question!

Do ANY OF YOU know a carrier (Pacific Northwest region) that gives decent rates for my exposure situation?

4 vehicles total, 2 full coverage/2 liability only. Carrying $500k CSL, 250/500 comp/collision deducts, UMBI @ $500k, 25k UMPD, plus the typical endorsements. All "normal" cars- nothing "hot" or collectors, etc. Hondas, Toyotas, VWs. Credit excellent, nothing on CLUE.

I'm going crazy. Renewal date doesn't matter, I have no problem switching mid-term.

I'm paying more than $4000 a year, and it's killing me. HELP!

Total Comments: 26

Posted: Wed Mar 26, 2008 04:06 am Post Subject:

Lori asked:

Did you find any help on that link I gave you?



Yep...I've seen it many times prior, as my company is based in Oregon. I think it's great the state puts up comparative numbers, it gives the consumer some really basic info. But you know as well as I do that those situations are pretty specific, and now credit plays a huge part in your premiums and wasn't a consideration in how those premiums were figured.

I have to admit that the state of Oregon does a pretty good job of keeping the citizenry advised as to what's going on. I have a lot of experience in different states, and Oregon does a particularly good job of protecting the consumer, much to the carriers' chagrin.

Unfortunately, I can't say the same about all states.

InsTeacher 8)

Posted: Wed Mar 26, 2008 09:24 am Post Subject:

Well, I just wasn't any help at all crap.....sorry....

Unfortunately, I can't say the same about all states.

'ain't that the truth!'

I've always thought Oregon a very forward thinking state....unlikes...ahem....some, that although I love, could do more! :roll:

Posted: Sun Mar 30, 2008 11:05 am Post Subject:

:wink:

Posted: Mon Apr 07, 2008 02:49 am Post Subject:

:( been away for a while, going to try to bump in a little more often.

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