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This isn't me trying to poo poo on you here but I'm so glad I have USAA cause anytime I've ever had a problem, my retired Navy Captain dad calls them up and pulls rank and it actually works with them. I've only ever had to do it twice though and it was because they didn't think I was his kid because of how I was talking to them as a young rear end in a top hat.
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Feb 9, 2023 10:57
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STR posted:Huh, why do I hear what sounds a lot like a tow truck outside at this hour? *looks outside* What sort of fuckery am I missing here? I can't seem to parse WHY your car was towed?
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Feb 9, 2023 11:19
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STR is the unluckiest driver on this subforum without doubt. Sorry dude.
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Feb 9, 2023 11:32
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Humphreys posted:What sort of fuckery am I missing here? I can't seem to parse WHY your car was towed?
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Feb 9, 2023 12:04
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Sorry guys, very much posted in the wrong thread (ANGRYPOSTING GRRRR, thought I was in the regular chat thread), but yeah, televiper summed it up. My representative (agent) kept reassuring me "corporate has sent it to <name at dealership>", and I was forwarding him emails from the bank with the loan and reminding him "<name at dealer> is with the DEALER, the BANK needs proof, they needed proof before I took delivery... I still don't have any kind of proof aside from a card stating liability only". I don't know what the gently caress happened. My agent is nothing but 5 stars on Google and Yelp, and aside from one exception, my interactions with him have been great. I'm assuming he's relatively new to the insurance game (otherwise he wouldn't be a captive agent to State Farm... you usually get your feet wet as a captive agent unless you manage to wind up with a lot of clients). I don't want to make it rain hellfire and brimstone on the guy, but this is one case where hellfire and brimstone will be happening to someone. I've pulled the Karen "dude, don't make me switch agents" line with him exactly once when there was a fuckup with my renters insurance (which resulted in my apt complex backdating their "if you're not gonna get insurance, we'll get liability for you at 2-3x the market rate" policy), and apparently that alone was enough for a decent reshuffling of his office. And that wasn't 100% his fault - on my lease renewal, they changed the address to send proof of insurance; I forwarded it to him, but didn't sum it up, so it kept going to the old address. Still fighting Greyshit to get all of my money back out of that.. State Farm is also INCREDIBLY loving old school - getting an updated declarations page out of them anytime between renewals is damned near impossible. It takes a solid 1-2 weeks just to get an updated insurance card (though they'll send you a temp card). The fact that they even have a 24 hour customer service line now is shocking, but everything they sent me is still signed with my agent's name. Shockingly, anytime you take out a loan with collateral, the lender generally wants said collateral insured for its full value.  I like my agent, I really do, but someone hosed up REALLY bad. Also, car is now in a detached, locked, alarmed (monitored alarm - notifies both police and my phone as well as a siren that I can hear from my apartment, plus a camera covering 95% of the room that also sends motion alerts to my phone) garage. The car may or may not have a GPS tracker on it from the dealer (I wouldn't be surprised if they added one - I haven't been up under the dash yet), but it's staying in there until this whole shitstorm gets fixed, with the battery disconnected. MetaJew posted:That loving sucks. Sorry dude. If I could get you on USAA I would. Their rates seem higher but I've never had those kinds of issues. I'm eligible for USAA, and I've had them before - but they're $$$$ compared to most others. I had one claim with them (comprehensive) and my rates skyrocketed, on one of the most common cars in the world (Honda Accord). I'll get quotes from them every year or two, but they're consistently one of the most expensive. USAA is amazing if you've retired from the military (esp if you retired as an officer). Pretty average to expensive if you're just related to someone who qualifies. They're a lot pickier about credit than most too. In my case, my dad served, but never signed up until he married my stepmother (he left the military in the mid 70s, married her in the late 90s). My stepmother's father retired as an Army officer, but she's riding on his membership... and thus, I'm riding on her membership. So basically the lowest level you can get with USAA for insurance. Edit: my agent is up early and already replying to my emails. From what he's saying, the dealer finance person represented themselves as being from the lending bank, not from the dealer, so he thought everything was fine. He's offering to reimburse expenses, but of course tow drivers don't give receipts and only take cash to drop something they've already hooked. According to him though, I've been covered with full coverage since the night I got the car - but the corporate call center only saw liability on it several hours ago. Ultimately, it's what corporate sees if there's a claim. I'm done dealing with this poo poo for now, I'm going to bed. E2: lol, he sent a declarations page showing liability only on the Lexry. randomidiot fucked around with this message at 13:08 on Feb 9, 2023 |
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Feb 9, 2023 12:42
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Get a new insurance agent, he sounds like a moron, tbh.
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Feb 9, 2023 15:45
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I had never considered that my non military status would mean that my USAA rates (via an eligible relative) would be higher. Oops, I guess.
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Feb 9, 2023 16:27
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MetaJew posted:I had never considered that my non military status would mean that my USAA rates (via an eligible relative) would be higher. Oops, I guess. I have great rates from USAA and I got it as a dependent.  Like, it's not the cheapest, but the cheapest is cheap for a reason.
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Feb 9, 2023 16:50
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Olympic Mathlete posted:STR is the unluckiest driver on this subforum without doubt. Sorry dude. Was just going to say he's going after Rhyno's title with wild abandon.
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Feb 9, 2023 16:53
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Blue Footed Booby posted:I have great rates from USAA and I got it as a dependent. I've never shopped around for auto insurance because doing it with my motorcycle is enough of a pain, and I'm happy with USAA. That said, my rates finally decreased per car when I got married, added my wife, and increased coverage on both cars. Somehow that was actually cheaper, per car. I've never had an accident or filed a claim. Whatever, insurance is not awesome car poo poo, sorry to perpetuate the detail.
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Feb 9, 2023 17:03
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Even if you don't shop every year, it's a good exercise to do every 2-3. I found out the hard way that I was overpaying pretty drastically for several years when I just thought "Hmm, I should check on this" after I got a renewal notice. And it was literally, no joke, 50% higher than several others I checked with. My folks used the same insurance company and they too were getting hosed to the tune of well over $1k, if not $2k between their home and auto policies. Been with them for 15+ years at that point.
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Feb 9, 2023 17:10
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slidebite posted:Even if you don't shop every year, it's a good exercise to do every 2-3. I know I'm getting hosed on prices by Esurance, but I honestly don't know what a good price is. We're done with the accident accident that I wasn't at fault for and I'mready to drop them, but I'm still paying almost $2k a year for 2, unmarried >30 year olds to drive in a 17 year old econobox with double the legal minimum coverage
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Feb 9, 2023 17:32
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I had exorbitant rates with State Farm years ago after being with them for 15+ years. They refused to drop them or even look into it so I told them I was leaving and went to Geico. After a couple of years, my SF agent retired so a different one took over the accounts in the area and they called me claiming they could save me $ over Geico and with better coverage. They did, so I switched back. All this to say its 100% a good idea to check in and shop around every once in a while as mentioned above. Solid advice.
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Feb 9, 2023 18:08
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The Door Frame posted:I know I'm getting hosed on prices by Esurance, but I honestly don't know what a good price is. We're done with the accident accident that I wasn't at fault for and I'mready to drop them, but I'm still paying almost $2k a year for 2, unmarried >30 year olds to drive in a 17 year old econobox with double the legal minimum coverage To get a handle on a good rate, you'll need to get a few quotes. With only 1 data point (your existing policy) you really are blind. Get at least 2 more and you can probably get a better feel for "market" price for your circumstances. Then you can decide if it's worth the $$ to change and possibly erase any long term (IE: no claim/first claim waiver benefits) you might have. A good broker can actually have value here.
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Feb 9, 2023 18:24
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Do you lot in the US not have price comparison sites? We have some stupid ones like compare the market and go compare which give you a rough idea. It's always best to speak to them but would give you an upper limit for those specific companies in terms of cost.
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Feb 9, 2023 19:53
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I'll offer that while I really have had a good experience with Liberty Mutual, they literally told me once "call us every few years and ask if we can lower your premiums". This was after calling them about something else and finding out that randomly they could cut my monthly bill by hundreds of dollars. WTF.
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Feb 9, 2023 21:05
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Do you lot in America not have insurance comparison websites like we do in the uk? Websites like comparethemarket, gocompare ? It's unbelievably easy over here to crossshop insurance. E:, wtf, it's uncanny how similar my post is to yours (I didn't see yours till I posted mine). Olympic Mathlete posted:Do you lot in the US not have price comparison sites? We have some stupid ones like compare the market and go compare which give you a rough idea. It's always best to speak to them but would give you an upper limit for those specific companies in terms of cost.
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Feb 9, 2023 21:29
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Not really
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Feb 9, 2023 23:10
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If youre ever wondering if the US has a convenient tool to assist consumers, the answer is no.
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Feb 10, 2023 00:10
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MrYenko posted:If youre ever wondering if the US has a convenient tool to assist consumers, the answer is no. not only that but we have laws that make it easier for companies to gently caress customers whenever they feel like it
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Feb 10, 2023 00:36
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Steakandchips posted:Do you lot in America not have insurance comparison websites like we do in the uk? Canada is somehow even worse.
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Feb 10, 2023 01:21
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Stop what you are doing, turn your volume up and watch this GT40 at Spa now https://www.youtube.com/watch?v=iBz3V-U-LAQ And here's 4 hours! https://www.youtube.com/watch?v=UmwDQGGoVPs CAT INTERCEPTOR fucked around with this message at 03:06 on Feb 10, 2023 |
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Feb 10, 2023 02:53
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My coworker just bought this
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Feb 10, 2023 03:03
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El Camin-bro
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Feb 10, 2023 03:06
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Preoptopus posted:My coworker just bought this Oh. Ooooooooooh...
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Feb 10, 2023 03:34
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Preoptopus posted:My coworker just bought this https://youtu.be/T3nAj7td3FE
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Feb 10, 2023 06:04
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Preoptopus posted:My coworker just bought this Try as I might, I can't hate that at all.
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Feb 10, 2023 07:47
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Humbug Scoolbus posted:Try as I might, I can't hate that at all. Don't try to hate it, it's just rad. Accept it for it's quirkiness just like you should accept all other oddities that don't actually harm anyone else.
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Feb 10, 2023 09:52
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Wisdom.
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Feb 10, 2023 11:36
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He needs a pair of pit vipers to wear whenever hes driving it.
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Feb 10, 2023 15:52
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Q_res posted:https://macsmotorcitygarage.com/fords-weird-and-wonderful-427-calliope-engine/ OK, double in-block cam is interesting. I guess they gave up on that and moved on to the Cammer (SOHC 427): https://www.motortrend.com/news/90-day-wonder-sohc-427-cammer/ Originally developed for NASCAR, but went drag racing instead when NASCAR put their foot down on non-production engines. Six FEET of timing chain, BTW. Q_res posted:Get a new insurance agent, he sounds like a moron, tbh. Also, stop using State Farm. They suck. We use Esurance, which is surprisingly the least expensive, and easy to work with. Looked at getting insurance through Costco, but their underwriters are assholes and won't insure the AE86, "because it's old." Not even for liability only. Our rates are helped by having a house ti insure along with the cars, though slidebite posted:Even if you don't shop every year, it's a good exercise to do every 2-3. Oh, yeah, it's standard practice to just slowly raise the rates, hoping you don't notice. Frog in a pot of water stuff (though that's actually a myth...). Olympic Mathlete posted:Do you lot in the US not have price comparison sites? We have some stupid ones like compare the market and go compare which give you a rough idea. It's always best to speak to them but would give you an upper limit for those specific companies in terms of cost. Insurance companies have tons of money, therefore tons of lobbyists and lobbying power, therefore: no. So, you know how bad our healthcare insurance is? Disaster/asset insurance isn't far behind. MrYenko posted:If youre ever wondering if the US has a convenient tool to assist consumers, the answer is no. Large Testicles posted:not only that but we have laws that make it easier for companies to gently caress customers whenever they feel like it Also, that. edit: Preoptopus posted:My coworker just bought this Actually looks like it was done properly. I remember reading about a 1970 El Camino conversion in 4-Wheel and Offroad, or another 4x4 mag (might still have it...) and really liking it. That one was leaf springs in front.
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Feb 10, 2023 17:42
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Darchangel posted:Also, stop using State Farm. They suck. I'm not sure if I qualify for insurance via Costco, but more because I dropped down from executive member to gold star. Executive carries a lot of perks, but it wasn't worth the extra money for me (I don't shop in the store often enough to get a significant yearly rebate check). I have the membership mainly for the gas savings and the Citi credit card you can get (which is pretty great with the cashback rewards). Esurance wanted a shitload from me. State Farm has been the cheapest by a very large amount ($50-150/month less than anyone else). Not necessarily the easiest to work with, since nearly everything has to go through my agent (very little can be done online), but it did turn out to be a gently caress up with the bank (also State Farm's overnight call center, which seems to run on a PDP/11, can't access any changes made less than 30 days ago, so the CSRs couldn't see the Lexus). My agent even came by in person to apologize, said he did find one thing that hadn't been done right on his side (shouldn't have resulted in this, though), but said he'd spent a good amount of time on the phone with the bank ripping into them. It doesn't help that the finance officer at Autonation misrepresented herself to him as being with the bank. The bank holding the loan had sent me a notification about needing updated insurance "by 2/10". You might notice... this post is dated 2/10. They took action very early in the morning on 2/9 (tow truck showed up at like... 12:30am? 1am?). So they had to have ordered it on 2/8 - earlier than they said they would. I've already filed a complaint with the FTC, and as soon as I'm over this cold I'm going to go up to my credit union and see if I can refinance through them. The APR is absurd anyway (mainly bc of the age and mileage - my credit isn't great, but it's not nearly as bad as it used to be). I'm going to stick to the chat thread for any other stuff related to this fiasco, though not before I say gently caress Autonation.
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Feb 10, 2023 18:02
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loving Esurance. Dealing with their new bullshit was harder and more stressful than having our brand new car totaled, it took almost 4 months to get everything sorted with them and I literally had to call my agent's boss to get anything done because my agent was a loving ghost. I think I'm going to switch to Travelers. My FiL has been a customer for like 30 years and has nothing bad to say, but also because it's literally a quarter of what I pay Esurance for my 06 Scion, but with substantially better coverage. Insurance is a strange magic
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Feb 10, 2023 18:49
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Darchangel posted:Oh, yeah, it's standard practice to just slowly raise the rates, hoping you don't notice. Frog in a pot of water stuff (though that's actually a myth...). My homeowners insurance increased by over $4k a year this year alone. Im now paying almost $1k a month just for insurance. Its fully a third of my monthly outlay on the house. I also cannot cross-shop, because literally the only underwriter writing policies in south Florida right now is Citizens, and Id rather suck-start a handgun than depend on citizens to reimburse me after a loss. My insurer isnt even offering policies in this area anymore. Florida: Not Even Once.
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Feb 10, 2023 18:54
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Jesus christ 
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Feb 10, 2023 19:52
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Who knew an Audi could make for such a decent skid car, just as long as you remove a bunch of the Audi I guess: https://www.youtube.com/watch?v=reXKF56q2ZA
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Feb 10, 2023 22:35
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The Door Frame posted:loving Esurance. Dealing with their new bullshit was harder and more stressful than having our brand new car totaled, it took almost 4 months to get everything sorted with them and I literally had to call my agent's boss to get anything done because my agent was a loving ghost. Yeah, we haven't had to make a claim under Esurance, and that's really where you learn the quality of your insurer. I'm hoping I never have to, but that's what one always hopes. It does piss me off how much insurance companies can get away with, and thanks to the US legal system, it's even more expensive to go after them than just dealing with it. BuckyDoneGun posted:Who knew an Audi could make for such a decent skid car, just as long as you remove a bunch of the Audi I guess: True of any car, I guess... The real feat would have been doing that with the Audi mill. edit: that's not to say I'm not impressed and don't love it.
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Feb 10, 2023 22:48
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Darchangel posted:Yeah, we haven't had to make a claim ... that's really where you learn the quality of your insurer. This so much. Wife's car got hit, car totalled, she had injuries, Liberty Mutual took care of everything (including all medical) no questions asked and paid us out extremely fairly for the car. Nice people to talk to as well.
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Feb 10, 2023 23:15
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BuckyDoneGun posted:Who knew an Audi could make for such a decent skid car, just as long as you remove a bunch of the Audi I guess: Needs more turbos
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Feb 11, 2023 00:26
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Been with State Farm for like 12 years now, no complaints, they've always handled my claims quickly and easily and get documents where they need to be. My experience with Progressive was dogshit though. Tired to rip me off on a homeowners policy that they canceled after a week and wanted to pocket half the annual premium.
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Feb 11, 2023 01:37
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