Recently, we moved from Idaho to Washington. We expected rates to go up a little bit. However, instead, they went up from $105/mo to $166/mo. Interesting...
So I have been in contact with our new agent, and she has been unwavering in the rate.
Yesterday, we got a bill from Allstate for $326.01. What?! I emailed to ask what the hike was for, and mentioned that we would cancel if we thought it was necessary. Her reply?
[quote]I understand you are dissatisfied with the current auto rate in Washington. If you wish to cancel the policy, please notify the effective date of this cancellation.[/quote]
Seriously? No explanation for the $326.01 bill. Nada. Our paper bill does not state why. Nor does our online one. I emailed her back, requesting that the policy be canceled immediately, and that we would like a quote for keeping us insured as drivers sans a vehicle.
Oh, the insurance business... So glad I did not get involved in it when I had the chance!
So it appears as though we may be going without a vehicle before even selling it. Ha! I also have some quotes going through with State Farm and PEMCO. We shall see how those come out.
Allstate - We've Got Our Hands in Your Pocket
March 9th, 2012 at 09:26 pm
March 9th, 2012 at 10:10 pm 1331331015
Try Geico and Prudential...they do a lot online quotes. I don't necessarily endorse them, since I don't have experience, but I figure you should look around.
March 10th, 2012 at 12:42 am 1331340140
The $166 was per month. The six-month premium was $996. Then they send me this crazy bill, so I've got no idea.
The agent is here.
March 10th, 2012 at 01:51 am 1331344312
Oh, I forgot we have a high deductible, but the savings over even just a few years made it worth it to make it high. I think you can just call them and get a quote. They have been really easy to deal with.
March 10th, 2012 at 03:57 am 1331351875
However, I have two speeding tickets on my record from before my adult responsibility kicked in.
March 10th, 2012 at 04:31 am 1331353898
March 10th, 2012 at 04:51 am 1331355084
It has the option of purchasing it immediately online, so it must be an accurate quote... Going to make sure Allstate is canceled, then switch over.
Have been wondering if we should ever switch the car yet, though, as we are almost ready to put it on the market.
March 10th, 2012 at 04:49 pm 1331398180
March 10th, 2012 at 05:04 pm 1331399068
March 10th, 2012 at 09:15 pm 1331414117
It would also be a good idea to have insurance on a financed vehicle that I was going to be selling and showing others who will drive it while they are considering your vehicle.
March 11th, 2012 at 12:46 am 1331426787
Also, as long as we carry insurance on ourselves, there should be no penalties for not having an insured vehicle.
March 12th, 2012 at 07:37 pm 1331581054
"Per your request, your auto policy is cancelled as of 03/09/12. Renters policy only covers your personally contents, cannot covers you as a driver without vehicle. You need an auto policy to insure you as a driver without vehicle. Sorry, I cannot help you further because of your dissatisfication with the rate with Allstate in WA."
March 12th, 2012 at 07:49 pm 1331581747
We did end up switching to Geico, though.
Now we need to sell this car! >.
March 12th, 2012 at 08:06 pm 1331582767
Also, I think the coverage is not as good...
Geico:
Bodily Injury: $25k/50k
Property: $25k
Underinsured: $25k/50k
Underinsured: $10k
Medical: N/A
Comprehensive: $1,000 ded
Collision: $1,000 ded
Roadside: accept
$160/mo
Allstate:
Bodily Injury: $25k/50k
Property: $25k
Uninsured: $25k/50k
Medical: $1,000 ded
Roadside: $50 (covered)
Collision: $1,000 ded
Comprehensive: $1,000 ded
$166/mo
Granted, the Allstate quote is with Renters Insurance discount and other discounts, but still...
When we switch the car over to WA registration, we can drop some coverage, but it'll only save $10/mo. Need to get Renters thru Geico too...
As you can see, though, we do not have Medical with Geico, whereas we did with Allstate.
ARGH! So ready to sell this stupid car!