I called up my agent and switched from AIG to Progressive. I was quoted $100 a month for my full coverage. You can imagine my surprise when, two days before the EFT was to take place, I got a friendly reminder from Progressive that my $180 payment would be coming out as scheduled.

Um... Needless to say, I flipped and made a friendly call to Progrssive, since I know this isn't something my agent did wrong. (He's a good guy and we go way back.)

I speak with a guy who tells me they found an at-fault accident dating to August 04 that I "Must have forgot" when I applied with them. I told him that I hadn't forgotten it, but that it wasn't an at-fault accident. This *was* a collision claim, but damages were sustained due to my driving over something unknown, like a rock, which damaged the undercarriage of my car.

I was advised to contact www.choicetrust.com/servlet/com.kx.cs.servlets.CsServlet?channel=welcome&subchannel=clue. I finally got around to calling them this afternoon and it's cool enough that I thought I would share.

The guy at Choice Point took some information from me and pulled up my driving record. He told me that he saw the claim I was talking about and said that American Family, who covered me at the time, failed to report the claim as at-fault or no-fault, so obviously Progrssive just assumed I was at fault for this one.

He mailed me out a copy of the report and once I've viewed it, I call back with my consumer number to dispute the error. At that point, they go back to AmFam and give them 30 days to resolve the issue or they decide in favor of me. Then I can take the results to Progrssive as strong evidence in favor of them crediting me for the over charges.

Pretty cool, huh? I'd never heard of this before, but I think it's an extremely valuable tool for us car guys. I know there are a lot of vandalisms, robberies, and wrecks in this community, so checking out your driving record might show you that you've been getting hosed on insurance for some reason like me!

Hope it helps someone out.

So how long have they been over charging you $80 a month? That could be a nice little bonus for you!

__________________________________________________________
-Tony <--- NOT asian.
'06 Wicked White EVO IX

Hrm...I'm going to have to check this out. There has got to be some reason my insurance is so high.

BTW Brian...is this new ins. guy Terry per chance? I heard he was getting back into the business. I was thinking about giving him a call.

_______

BPU'd skittle

100 dollars a month for full coverage is pretty impressive.

You must be old.

Lol.

1998 Eclipse GS

GS-T Axleback|CAI|OBX 4-1 Header|AF/X UDP|

i pay like 165 a month for full coverage on 2 vahicles. the eclipse and the blazer.

-Kevin

________________________________________
95 Eclipse RS - Rolled
96 Eclipse GS - Traded
95 Eclipse GSX- Sold
01 Blazer LS 4.3/5spd dropped and clean DD
88 Camaro RS 361 CID with a 6spd and a bar 10 second street car on motor.

I pay $94 a month with Progressive for full coverage on my 2007 Nissan Maxima. My BMW was $65 a month.

Jason
'11 Ford Mustang GT/CS
'11 Ford Mustang V6 6-Speed (SOLD)
'04 Nissan 350z Touring (SOLD)
'95 Turbo Eclipse GS (SOLD and will be missed)
'90 Talon TSi AWD (SOLD)

I pay $80/mo to insure myself, my g/f, and my 3 cars, liability only thru AIG. I did the math and decided that unless I have a new car that I owe more on than it's worth, that there's really no point in having comprehensive if your loan terms allow you not to have it.

Filing a claim, regardless of fault, will negatively impact your record for YEARS and drive up your rates thousands of dollars more than the actual repairs would have cost out of pocket. Now I just have a savings account labeled "Car insurance".

But as far as record accuracy, it's super easy to get fucked up. Once a cop filled out an accident report for my g/f who got hit by a drunk driver, and mixed up "Driver 1" and "Driver 2" halfway through the report. It took us 6 months to get the "at fault drunk driving accident" off her record, since the cops refused to change their report.

Bet you were on the ground heaving...

Member # 751


FOUNDER of the Central Cali chapter of 2GNT!
(I got kicked out after I refused to go Cow tiping) - Hehehe you know who this is for