evan938
06-22-2007, 02:25 AM
so for the last 2-3 weeks, ive been planning on switching back to progressive from allstate. did the online quote, came out to me going from 215ish/mo w/ allstate, to about 163/mo w/ progressive. sweet. so i call allstate about noon today to have the policy cancelled as of midnight tonight (night of 21, morn of 22))
so i go to purchase the progressive, and when i go to check out, they say that a wreck i had in dec 05 (during the ice storm, no ticket, no insurance claim...i paid for repairs out of pocket...just filed an accident report incase i wanted to file a claim if the repairs cost too much) is being counted as an accident against me...funny since they didnt count it as an accident against me when i started with them in october. so they jack my rate up to 210/mo. call in to find out WTF is going on, basically get no where. i tell them im not going to switch for a 5$/month savings
call up allstate about 1130, see if i can cancel the cancellation and just continue my coverage. no go. theyre telling me its already processed and cant be stopped. so i tell them i need to speak to someone to see about starting a new policy. im a little mad because im gonna lose the 3 months into the policy i have, that after 6 months will drop my premium 5%, but its my fault, nothing i can do
so i talk to the sales rep, she goes thru the whole application thing again, finally gets done around midnight. she then tells me the 6 month premium is just a few bucks cheaper than before (good), but a couple things are going on. #1, shes saying i owe them 45$ for the days i used...my policy runs from the 21st to the 20th. being that its cancelled as of the 22nd, i can see owing 1 day, maybe 2. at 215/mo, 30 days/mo, thats about 7$/day. how they came up with 45$, i dont know. so past that, she tells me my down payment would be 405$, and that the monthly would be like 170.
this would be fine if i could do a 405$ payment, plus my 25$ renters insurance. but shes saying that something at the company changed for ohio and something about only being able to have 1 incident per car to get into the line of insurance where i can have the good drivers discount, lower down payment, etc etc. so i tell her theres no way i can do 430$ right now, and ask her if she can talk to a supervisor and see if we can work something out, because i'd like to stick with allstate. she comes back a minute later - no.
so now, i have to go BACK to progressive, and sign up with these assholes.
insurance can suck my balls. ive been doing as much as i can to keep my driving record clean, in the last 3 years, all ive had is the 1 accident i paid for repairs myself, and i still have to pay over 200$/mo for insurance
edit : called up to inquire on the 45$ bill...apparently it has something to do with when i switched vehicles, and my insurance went up 300$/6 months. i just got sick of trying to understand her explanation, i asked her "when is it due", and she says "well, we'll send you 3 letters then it goes to a collection agency". i proceed to tell her i work at one, and im not gonna let it go that far, so i said **** it and put it on my credit card
so i go to purchase the progressive, and when i go to check out, they say that a wreck i had in dec 05 (during the ice storm, no ticket, no insurance claim...i paid for repairs out of pocket...just filed an accident report incase i wanted to file a claim if the repairs cost too much) is being counted as an accident against me...funny since they didnt count it as an accident against me when i started with them in october. so they jack my rate up to 210/mo. call in to find out WTF is going on, basically get no where. i tell them im not going to switch for a 5$/month savings
call up allstate about 1130, see if i can cancel the cancellation and just continue my coverage. no go. theyre telling me its already processed and cant be stopped. so i tell them i need to speak to someone to see about starting a new policy. im a little mad because im gonna lose the 3 months into the policy i have, that after 6 months will drop my premium 5%, but its my fault, nothing i can do
so i talk to the sales rep, she goes thru the whole application thing again, finally gets done around midnight. she then tells me the 6 month premium is just a few bucks cheaper than before (good), but a couple things are going on. #1, shes saying i owe them 45$ for the days i used...my policy runs from the 21st to the 20th. being that its cancelled as of the 22nd, i can see owing 1 day, maybe 2. at 215/mo, 30 days/mo, thats about 7$/day. how they came up with 45$, i dont know. so past that, she tells me my down payment would be 405$, and that the monthly would be like 170.
this would be fine if i could do a 405$ payment, plus my 25$ renters insurance. but shes saying that something at the company changed for ohio and something about only being able to have 1 incident per car to get into the line of insurance where i can have the good drivers discount, lower down payment, etc etc. so i tell her theres no way i can do 430$ right now, and ask her if she can talk to a supervisor and see if we can work something out, because i'd like to stick with allstate. she comes back a minute later - no.
so now, i have to go BACK to progressive, and sign up with these assholes.
insurance can suck my balls. ive been doing as much as i can to keep my driving record clean, in the last 3 years, all ive had is the 1 accident i paid for repairs myself, and i still have to pay over 200$/mo for insurance
edit : called up to inquire on the 45$ bill...apparently it has something to do with when i switched vehicles, and my insurance went up 300$/6 months. i just got sick of trying to understand her explanation, i asked her "when is it due", and she says "well, we'll send you 3 letters then it goes to a collection agency". i proceed to tell her i work at one, and im not gonna let it go that far, so i said **** it and put it on my credit card