Insurance doubled in the last couple year, no accidents or tickets...wtf?

[Al3x Lee]

She never drives my car, but then she almost never drives since she let her car slip into an inoperable state of repair, won't part with a dime for repairs even if I'm doing the work.

Insurance companies don't like irresponsible or financially inept people, they tend to file more claims and fight the insurer more. They usually aren't profitable.

I've turned into that 'old' man who drive to the store and back. I work from home. I have both vehicles set to 1000 miles a year on the policy. I probably drive a little more than that but I haven't had an accident in like forever.

Good to know you tell little white lies. Insurers always like that

crappiest policy possible just to not be uninsured. 15/30/5

I'm assuming those are her limits, which are too low to even be legal in Oregon

They basically had to cancel my policy out of Cali and then I had to go through the approval process in Oregon.

What approval process? Like you had to quote and bind online? That's so easy a caveman could do it.

My 15 or so years with Geico seemed to matter not.

Correct.

the Ford gets like 35 mpg

No it doesn't

Anything I can do to reduce my rates?

There is, but nothing I can recommend for someone with your mentality of "Muah, I want cheap, shitty insurance". Maybe try 'The General', or Progressive? If you're lucky some newby at an independent agency might take a swing at you.

You could always sell your Escort, if you're only driving 1,000 miles a year, it's only saving you about $15 in gas annually.

where I live now is hella safer than the Bay Area, which is total insanity.

I would take your word for it, but I live in Oregon, so I know better.

There used to be a fantastic insurer here, Oregon Mutual, that was very cheap and provided excellent service.

Lol, they probably got tired of dealing with people like this guy

 

[InsuranceAgent411]

If an agent tells you a rate will be going down...run from that agent. We are not fortune tellers we can not predict the rates.

 

[eeveecali]

This is just me being curious.

With this situation, whose insurance pays if wife with "junk coverage" drives husband's car with the "big" coverage and has an accident.

Is the couple's total coverage for the accident limited to wife's "junk" policy, or does the husband's "big" policy cover the accident?

They live in Oregon, the insurance covers the car. He has already moved his coverage to Oregon. If the wife drives husband's car and gets into an accident, we will have to file claim under the husband's policy. Hopefully his policy has permissive user coverage. But it also depends, he mentioned he removed his wife already, assuming she is currently "excluded" in his policy, then there will be no coverage. If the accident is her fault, the husband and wife will have to pay out of their pocket to fix the other party's vehicle or their medical bills.
The wife's "junk coverage" will be no use in this case because the car that caused the accident is the husband's car.

 

[eeveecali]

But I digress. She has Geico also She hasn't transfered her policy to Oregon after she saw what happened to me and pays like $30 a month for the crappiest policy possible just to not be uninsured. 15/30/5 but like I said it's just parked.

I would not recommend this at all. The insurance company sells you the policy solely a contract. Your insurance policy is a contract. If your SO keeps that old policy and will not switch to the new garaging address, there is 100% chance the company will deny her claim when she finds herself in an accident. The whole point of buying insurance is for when you have an accident, the risk will be transferred to the company and they will help you repair the car, pay out for liability, etc... If there is 100% chance they will deny your claim then there is no point of buying that insurance, you're basically just paying them the money for nothing.
Hear me out, you should definitely change her insurance to Oregon, it's not worth it to pay a little cheaper but when she has an at-fault accident, there's no coverage. It is not worth it at all.

 

[fed up]

It's called Rate Evasion

 

[eeveecali]

It's called Rate Evasion

exactly, that's why the insurance company will have the right to deny his claims. Since technically he is committing a fraud against the insurance company

 

[Allen Trent]

You must be doing something right for it to only double. Other budget items like food & car repairs have more than doubled it seems

 

[scagnt83]

So, Geico says I'm getting the best rate possible, no accidents, no tickets. $600 every 6 months for 2 cars, and they say it's just the cost of doing business.

Id love to pay $100 a month for my Benz alone, much less 2 cars.
No accidents/no recent tickets/40 years old.

 

[dcollins]

Hi, would you be interested in being referred to my auto insurance agent for another opinion?