Auto Insurance BS?

Question

All i want and need is the basic required by FL law - Personal injury protection – 10k and Property damage liability. The fact that i have no previous insurance and an accident on my record i did receive a high quote (from Progressive), which was $850! Ok, fine.......but because i only want the basic coverage....my car is an '02 Kia, they dont let me have that broken down to payments, i have to pay that in full every 6 months! They said is to encourage people not to only have that simple coverage. What BS! Are all insurance companies like that? Because i really dont have 850 just laying in my account as spare money...=/

Answer 1

as a florida claims adjuster I have to put in my two cents (even though it is not answering your question)

Im sorry.. but anyone who gets the basic coverage (without bodily injury) is just plain dumb.

Do you realize what is going to happen if you injure someone in an accident? you have NO COVERAGE for it!  You will owe their medical bills out of pocket.  You see all the lawyer commercials here in Florida on tv.. they are just waiting to come after you. Your life could be ruined-  no.. it WILL be ruined.  I feel so bad for your that your putting yourself in this situation.  If you cant afford bodily injury coverage- take the bus.

I suggest you try "infinity insurance"  or "direct general" insurance... both are nonstandard carriers (meaning they give people coverage with bad histories and are very basic insurance companies) and may offer you a better rate.

Again- the fact that you are thinking of driving without bodily injury coverage kills me. clearly you dont know what it means. ive seen peoples entire lives ruined b/c of that.. you obivously are in the financial state to get be driving if you cant afford that coverage.

Answer 2

No not all insurance companies STINK like progressive.... and I answered your other question and I will answer this question with my same response!!!

Well that's just silly! BUT that's progressive for you!!

Call another company for an auto quote!!!! The last thing you want is to have your insurance lapse because they won't allow payment plan arrangements.

Maybe you could even find better insurance for less premium!

There are other companies who are more accommodating with payment plans and special claim handling service (rated better in expert claim handling and customer service) than progressive. Progressive is pretty much good for high risk drivers.

SOOO before you let this time sensitive matter go to long, call another insurance company and get an active policy with them just cancel your progressive policy (THEN you will see that they will try to do anything to save ya!)

BEFORE YOU GET TOO FRUSTRATED CALL ANOTHER INSURANCE COMPANY OTHER THAN PROGRESSIVE FOR A QUOTE!

GOOD LUCK!  And Don't STRESS!  :-)  Try to be calm and call around for quotes!

Answer 3

Everyone wants the cheapest auto insurance. Everyone is constantly looking comparing this auto insurance provider with this one. It's almost like a parlor game, isn't it. I've done it too. If you've ever gotten a speeding ticket or have a young teenager itching to drive that you've just added to your policy or if you've been<!--involved in an accident, it can get more and more expensive, can't it? Auto insurance is too expensive. You're not alone. it's true for almost every American family.You may get your queires answered here,

http://www.best-autoinsurance.we.bs/

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The problem for discounts, however, is quality. Many ask is, "Is this cheap auto insurance worth buying? What kind of coverage do I have to sacrifice for a cheaper premium?" What is a small bi-yearly or yearly or monthly bill can become astonishingly high if you cheat on your-->deductible coverage or coverage amount. You need to therefore really search the different companies for the best, most comprehensive policy. Hope is here. There are good companies out there.

Answer 4

For automobile insurance the most efficient way to get a very good quote is do a policy comparison on car policies. Make sure that you choose similar options with the same limits, auto type, location, etc so that all things are a good comparison.



What I always recommend is an internet comparison quote at http://www.InsureAutoNow.info since they have discount insurers and will give many quotes on car insurance polices.