Return-Path: Received: from CMU-RI-ISL1.ARPA by CMU-CS-A.ARPA; 30 Oct 84 14:05:12 EST Date: 30 Oct 1984 13:58-EST From: Nizwer.Husain@CMU-RI-ISL1.ARPA Subject: Replies to my post on Auto Insurance To: Bovik@a Message-Id: <468010695/nh@CMU-RI-ISL1> Received: from CMU-CS-C.ARPA by CMU-RI-ISL1.ARPA; 24 Oct 84 22:25:11 EDT Received: ID ; Wed 24 Oct 84 22:24:56-EDT Date: Wed 24 Oct 84 22:24:55-EDT From: David.Nason@CMU-CS-C.ARPA Subject: Car Insurance To: nizwer.husain@CMU-RI-ISL1.ARPA I am using State Farm Mutual...and paying $300 per year (all qualifications much the same as yours). The difference seems to be your car ownership period. A friend from Columbia had a similar problem in NJ. It seemed that he was placed in the highest surcharge/risk category because he didn't have a driving history that they could look up. I would try to get them to either rely on your 3 yrs experience (supposedly they only ask about the past three years) and if they want more history, to pursue out-of-country license and driving history. I've looked into AETNA before and was unenthused. ------- Received: from CMU-RI-ROVER.ARPA by CMU-RI-ISL1.ARPA; 25 Oct 84 01:25:59 EDT Date: 25 Oct 1984 01:26-EST From: Gregg.Podnar@CMU-RI-ROVER.ARPA Subject: Re: Auto Insurance To: Nizwer.Husain@CMU-RI-ISL1 Message-Id: <467529981/gwp@CMU-RI-ROVER> In-Reply-To: Nizwer.Husain@CMU-RI-ISL1's bboard message of 24-Oct-84 17:42 State Farm Received: from CMU-CS-A.ARPA by CMU-RI-ISL1.ARPA; 25 Oct 84 02:09:33 EDT Date: 25 Oct 84 01:51:43 EDT From: Jeff.Shrager@CMU-CS-A Subject: Re: Auto Insurance To: Nizwer.Husain@CMU-RI-ISL1 Be sure to report your findings to Harry Bovik. -- Jeff Received: from CMU-CS-A.ARPA by CMU-RI-ISL1.ARPA; 25 Oct 84 09:49:43 EDT Date: 25 Oct 84 09:38:21 EDT From: Roy.Taylor@CMU-CS-A Subject: Re: Auto Insurance To: Nizwer.Husain@CMU-RI-ISL1 Nizwer -- I've been dealing with Amica and have no complaints. Aetna never dreamed, I'll bet, that you could actually check out their hype. -- Roy Received: from CMU-RI-FAS.ARPA by CMU-RI-ISL1.ARPA; 25 Oct 84 10:05:37 EDT Date: 25 Oct 1984 09:49-EDT From: Jerry.Agin@CMU-RI-FAS.ARPA Subject: Re: Auto Insurance To: Nizwer.Husain@CMU-RI-ISL1 Message-Id: <467560167/agin@CMU-RI-FAS> In-Reply-To: Nizwer.Husain@CMU-RI-ISL1's bboard message of 24-Oct-84 17:35 Be sure you check what coverage is being offered. That can account for large price differences. The state requires you to have some minimum amount of liability coverage to pay for the damage you do to other people. On top of that you can get collision coverage which pays for damage to your own car in an accident, "comprehensive" coverage which also includes things like fire and theft, and medical coverage for you and your family. In each of the different categories you can be charged more or less depending on the top-dollar limit of the coverage. First, decide what coverage you want. TELL each insurance agent what kind of insurance you are looking for. I think there might still be a difference in rates, but not as large as you're talking about. My own philosophy on insurance is to avoid catastrophes. Being sued for $500,000 is a catastrophe. If I lost such a lawsuit I would be wiped out. But minor damage I can pay for. I might not like it, but I can pay for it. So why should I pay someone else to hold my money so they can give it back when something happens? Received: from CMU-RI-ISL2.ARPA by CMU-RI-ISL1.ARPA; 25 Oct 84 10:45:51 EDT Date: 25 Oct 1984 10:32-EST From: Ingemar.Hulthage@CMU-RI-ISL2.ARPA Subject: Re: Auto Insurance To: Nizwer.Husain@CMU-RI-ISL1 Message-Id: <467562740/iaeh@CMU-RI-ISL2> In-Reply-To: Nizwer.Husain@CMU-RI-ISL1's bboard message of 24-Oct-84 17:38 Hi, My experience is that it pays to shop around for auto insurance. I believe it is at least as important which agent you go through as which company you use. My insurance is with National Grange Mutual and it costs $280/year. However I have an old car and minimum no nothing insurance. Nevertheless I recomend you to give my agent a call he is located far away but it was worth it for me, call Simon Insurance 266-3320. Received: from CMU-CS-G.ARPA by CMU-RI-ISL1.ARPA; 25 Oct 84 13:10:16 EDT Date: 25 Oct 1984 12:57-EDT From: Craig.Knoblock@CMU-CS-G.ARPA Subject: Car Insurance To: Nizwer.Husain@CMU-RI-ISL1 Message-Id: <467571466/cak@CMU-CS-G> My personal opinion is that AMICA beats all insurance companies by miles. It is not surprizing that they were rated number one. The service is great! If I call them up to ask a question, they either call back the same day with an answer or I get a letter shortly after (not a form letter either). As far as claims go I have only had one and I had the money within a week of the accident. My father as AETNA for heath insurance and to put it mildly they suck. I have had several claims and they look for every way possible of getting out of paying (that fine print that you never read). When they do have to pay for something it takes months. I had my wisdom teeth extracted and it took them 3 month to get around to sending the money. I hope this was some help to you. - Craig Knoblock Received: from CMU-CS-SPICE.ARPA by CMU-RI-ISL1.ARPA; 25 Oct 84 19:02:43 EDT Date: 25 Oct 1984 18:57:50-EDT From: David.Hornig@CMU-CS-SPICE To: husain@cmu-ri-isl1 Subject: Insurance My folks have used AMICA for years and have been very satisfied. They've been reimbursed fairly for several accidents. When I called them up a couple of years ago they wouldn't insure a car that was regularly parked on the street at night. -- Dave Received: from CMU-CS-IUS2.ARPA by CMU-RI-ISL1.ARPA; 24 Oct 84 18:03:13 EDT Date: 24 Oct 1984 18:00-EST From: Jon.Webb@CMU-CS-IUS2.ARPA Subject: Re: Auto Insurance To: Nizwer.Husain@CMU-RI-ISL1 Message-Id: <467503205/webb@CMU-CS-IUS2> In-Reply-To: Nizwer.Husain@CMU-RI-ISL1's bboard message of 24-Oct-84 17:45 I use AMICA. I've never had occasion to file a claim, but the comments I've heard about AMICA are very favorable and, based on the Consumer Reports evaluation, I expect to have no problems. Given the choice between AETNA and AMICA I would choose AMICA. As far as the difference in cost of coverage, my guess would be that AAA is giving you some extra coverage that the others aren't, though I don't know what that is. Perhaps they're covering your car, in addition to anyone you have an accident with, and the others aren't? Jon