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Old 01-08-2017, 09:27 PM   #11
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Join Date: Jan 2017
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State: KenP is an Insurance Agent from Florida
Very Happy With My Rates Re: Very Happy With My Rates
I'm in the great state of Florida where the wonderful no-fault laws make auto insurance premiums a nightmare. Even so, cutting comprehensive from $500 to a $50 deductible was negligible in premium cost and made a world of difference to me when I had to file a $1700 vandalism claim

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Originally Posted by kellyfrost View Post
I thought the lower deductible on comp or collision would be a large money difference, at least it was with All State. I will check with ANPAC.
Thanks
Collision is virtually always more expensive to reduce than comprehensive because of the average frequency and severity of a collision claim. That said, with the already very low rating factors used for your premium, I can't imagine it'd be very expensive at all. If it costs you, say, $45 a year to reduce the deductible to $50, then a single claim in 10 years already puts you ahead.

That said, if coming up with $500 on a whim for an unexpected accident is no big deal to you, it's understandable to not bother to look into changing the deductible at all
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  Reply With Quote to Very Happy With My Rates
Old 01-10-2017, 12:47 PM   #12
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State: KenP is an Insurance Agent from Florida
Very Happy With My Rates Re: Very Happy With My Rates
Originally Posted by kellyfrost View Post
I thought the lower deductible on comp or collision would be a large money difference, at least it was with All State. I will check with ANPAC.
Thanks
I'd just take a look at the timeline. If it's a $50 premium difference annually for $450 smaller deductible, you have one claim in 9 years and you're coming out on top.
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Old 01-10-2017, 05:05 PM   #13
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VolAgent on Very Happy With My Rates
 
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Very Happy With My Rates Re: Very Happy With My Rates
Food for thought...

A $50 deductible is basically going to be begging you to file claims.

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You can pay the premium or you can own the loss.
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Old 02-01-2017, 02:29 PM   #14
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State: kellyfrost is an Insurance Agent from
Very Happy With My Rates Re: Very Happy With My Rates kellyfrost is the thread starter for: Very Happy With My Rates

Originally Posted by altonroot View Post
you are the lucky guy..
I have never seen a lower price than your policy price.
That is really good to know and makes me feel even better about my premiums!
Are you familiar with American National Insurance Co. ?
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Old 07-02-2017, 10:24 AM   #15
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State: kellyfrost is an Insurance Agent from
Very Happy With My Rates Re: Very Happy With My Rates kellyfrost is the thread starter for: Very Happy With My Rates

Just received my renewal rates from American National. While my premium did go up $26.00 I am still very happy with my rates:




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Old 07-03-2017, 11:15 PM   #16
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State: indienoise is an Insurance Agent from South Carolina
Very Happy With My Rates Re: Very Happy With My Rates
You are very fortunate. Still a great rate, and nowhere close to the double digit rate increases in auto we are seeing in SC.
You might consider increasing your rental reimbursement. 25/day will barely get you a subcompact rental car. Unless the rental is not really a concern.
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