Re: Did You Know This About Car Insurance?
 

XS11E wrote:
> Mike Romain <romainm@sympatico.ca> wrote:
>
>> Any moving violation tickets will count against your insurance
>> rate or the rate they drop it down at.
>
> Some don't count the first violation or didn't used to, not sure if
> that's still true?
>
>> Some insurance companies even look at your credit rating when
>> deciding your rate bracket, although most places are trying to
>> make that against the law...
>
> I'm can understand that, a bad credit score may suggest future
> problems, one lady I knew confided that she ran a credit check on
> anyone who asked her out before she'd go out with them, her reason was
> that she'd never date anyone she wouldn't consider marrying and bad
> credit was a problem she wasn't willing to assume.
>
>> Most give you a rate drop at 21 and the big drop at age 25.
>
> I was given a rate drop when I turned 25 and a HUGE rate increase as I
> had a new job that required me to use my car in my job.
>
> Result was a net increase in insurance cost, which proves life is like
> entropy, you can't win, you can't stay even and you can't get out of
> the game.... <sigh>
>
>
>
>
>
So true. I got out of the game (retired) and moved to a rural area of
Arizona with a clean driving record and my annual insurance cost for
everything (collision, medical, etc...)on my '04 TJ is a bit over
$500/year. If I was still working in Miami or Houston it would be over $2K.

--
FRH

Re: Did You Know This About Car Insurance?
 

XS11E wrote:
> Mike Romain <romainm@sympatico.ca> wrote:
>
>> Any moving violation tickets will count against your insurance
>> rate or the rate they drop it down at.
>
> Some don't count the first violation or didn't used to, not sure if
> that's still true?
>
>> Some insurance companies even look at your credit rating when
>> deciding your rate bracket, although most places are trying to
>> make that against the law...
>
> I'm can understand that, a bad credit score may suggest future
> problems, one lady I knew confided that she ran a credit check on
> anyone who asked her out before she'd go out with them, her reason was
> that she'd never date anyone she wouldn't consider marrying and bad
> credit was a problem she wasn't willing to assume.
>
>> Most give you a rate drop at 21 and the big drop at age 25.
>
> I was given a rate drop when I turned 25 and a HUGE rate increase as I
> had a new job that required me to use my car in my job.
>
> Result was a net increase in insurance cost, which proves life is like
> entropy, you can't win, you can't stay even and you can't get out of
> the game.... <sigh>
>
>
>
>
>
So true. I got out of the game (retired) and moved to a rural area of
Arizona with a clean driving record and my annual insurance cost for
everything (collision, medical, etc...)on my '04 TJ is a bit over
$500/year. If I was still working in Miami or Houston it would be over $2K.

--
FRH

Re: Did You Know This About Car Insurance?
 

XS11E proclaimed:

> Mike Romain <romainm@sympatico.ca> wrote:
>
>
>>Any moving violation tickets will count against your insurance
>>rate or the rate they drop it down at.
>
>
> Some don't count the first violation or didn't used to, not sure if
> that's still true?

I remember the CEO of some insurance company a few years back claiming
his company didn't use speeding tickets at all for rates, as they were
of the opinion that those were largely thinly disquised road taxes in
too many locales. He did note that he would raise rates on a failure to
yield, careless driving, reckless driving, or seatbelt violation though.
Darned if I can recall the name of his company.
>
>
>>Some insurance companies even look at your credit rating when
>>deciding your rate bracket, although most places are trying to
>>make that against the law...
>
>
> I'm can understand that, a bad credit score may suggest future
> problems, one lady I knew confided that she ran a credit check on
> anyone who asked her out before she'd go out with them, her reason was
> that she'd never date anyone she wouldn't consider marrying and bad
> credit was a problem she wasn't willing to assume.

Sounds a bit extreme, as you could always do it later... and any guy
with credit alerts might just wonder why any new acquaintance would be
so snoopy.

>
>>Most give you a rate drop at 21 and the big drop at age 25.
>
>
> I was given a rate drop when I turned 25 and a HUGE rate increase as I
> had a new job that required me to use my car in my job.

Shop around, some ding you a bit less than others.

I got a pleasant surprise when my divorce became final... seems that the
typical rate increase for divorced men was heavily offset by the driving
skills of the first missus being heavily on the scarey side.

>
> Result was a net increase in insurance cost, which proves life is like
> entropy, you can't win, you can't stay even and you can't get out of
> the game.... <sigh>

You could post bond and self insure in some states, however I would
expect any lawyer of the other party in any accident to dig this out and
figure if you are rich enough to do that, you are rich enough to sue the
testicles off of.

Re: Did You Know This About Car Insurance?
 

XS11E proclaimed:

> Mike Romain <romainm@sympatico.ca> wrote:
>
>
>>Any moving violation tickets will count against your insurance
>>rate or the rate they drop it down at.
>
>
> Some don't count the first violation or didn't used to, not sure if
> that's still true?

I remember the CEO of some insurance company a few years back claiming
his company didn't use speeding tickets at all for rates, as they were
of the opinion that those were largely thinly disquised road taxes in
too many locales. He did note that he would raise rates on a failure to
yield, careless driving, reckless driving, or seatbelt violation though.
Darned if I can recall the name of his company.
>
>
>>Some insurance companies even look at your credit rating when
>>deciding your rate bracket, although most places are trying to
>>make that against the law...
>
>
> I'm can understand that, a bad credit score may suggest future
> problems, one lady I knew confided that she ran a credit check on
> anyone who asked her out before she'd go out with them, her reason was
> that she'd never date anyone she wouldn't consider marrying and bad
> credit was a problem she wasn't willing to assume.

Sounds a bit extreme, as you could always do it later... and any guy
with credit alerts might just wonder why any new acquaintance would be
so snoopy.

>
>>Most give you a rate drop at 21 and the big drop at age 25.
>
>
> I was given a rate drop when I turned 25 and a HUGE rate increase as I
> had a new job that required me to use my car in my job.

Shop around, some ding you a bit less than others.

I got a pleasant surprise when my divorce became final... seems that the
typical rate increase for divorced men was heavily offset by the driving
skills of the first missus being heavily on the scarey side.

>
> Result was a net increase in insurance cost, which proves life is like
> entropy, you can't win, you can't stay even and you can't get out of
> the game.... <sigh>

You could post bond and self insure in some states, however I would
expect any lawyer of the other party in any accident to dig this out and
figure if you are rich enough to do that, you are rich enough to sue the
testicles off of.

Re: Did You Know This About Car Insurance?
 

XS11E proclaimed:

> Mike Romain <romainm@sympatico.ca> wrote:
>
>
>>Any moving violation tickets will count against your insurance
>>rate or the rate they drop it down at.
>
>
> Some don't count the first violation or didn't used to, not sure if
> that's still true?

I remember the CEO of some insurance company a few years back claiming
his company didn't use speeding tickets at all for rates, as they were
of the opinion that those were largely thinly disquised road taxes in
too many locales. He did note that he would raise rates on a failure to
yield, careless driving, reckless driving, or seatbelt violation though.
Darned if I can recall the name of his company.
>
>
>>Some insurance companies even look at your credit rating when
>>deciding your rate bracket, although most places are trying to
>>make that against the law...
>
>
> I'm can understand that, a bad credit score may suggest future
> problems, one lady I knew confided that she ran a credit check on
> anyone who asked her out before she'd go out with them, her reason was
> that she'd never date anyone she wouldn't consider marrying and bad
> credit was a problem she wasn't willing to assume.

Sounds a bit extreme, as you could always do it later... and any guy
with credit alerts might just wonder why any new acquaintance would be
so snoopy.

>
>>Most give you a rate drop at 21 and the big drop at age 25.
>
>
> I was given a rate drop when I turned 25 and a HUGE rate increase as I
> had a new job that required me to use my car in my job.

Shop around, some ding you a bit less than others.

I got a pleasant surprise when my divorce became final... seems that the
typical rate increase for divorced men was heavily offset by the driving
skills of the first missus being heavily on the scarey side.

>
> Result was a net increase in insurance cost, which proves life is like
> entropy, you can't win, you can't stay even and you can't get out of
> the game.... <sigh>

You could post bond and self insure in some states, however I would
expect any lawyer of the other party in any accident to dig this out and
figure if you are rich enough to do that, you are rich enough to sue the
testicles off of.

Re: Did You Know This About Car Insurance?
 

XS11E proclaimed:

> Mike Romain <romainm@sympatico.ca> wrote:
>
>
>>Any moving violation tickets will count against your insurance
>>rate or the rate they drop it down at.
>
>
> Some don't count the first violation or didn't used to, not sure if
> that's still true?

I remember the CEO of some insurance company a few years back claiming
his company didn't use speeding tickets at all for rates, as they were
of the opinion that those were largely thinly disquised road taxes in
too many locales. He did note that he would raise rates on a failure to
yield, careless driving, reckless driving, or seatbelt violation though.
Darned if I can recall the name of his company.
>
>
>>Some insurance companies even look at your credit rating when
>>deciding your rate bracket, although most places are trying to
>>make that against the law...
>
>
> I'm can understand that, a bad credit score may suggest future
> problems, one lady I knew confided that she ran a credit check on
> anyone who asked her out before she'd go out with them, her reason was
> that she'd never date anyone she wouldn't consider marrying and bad
> credit was a problem she wasn't willing to assume.

Sounds a bit extreme, as you could always do it later... and any guy
with credit alerts might just wonder why any new acquaintance would be
so snoopy.

>
>>Most give you a rate drop at 21 and the big drop at age 25.
>
>
> I was given a rate drop when I turned 25 and a HUGE rate increase as I
> had a new job that required me to use my car in my job.

Shop around, some ding you a bit less than others.

I got a pleasant surprise when my divorce became final... seems that the
typical rate increase for divorced men was heavily offset by the driving
skills of the first missus being heavily on the scarey side.

>
> Result was a net increase in insurance cost, which proves life is like
> entropy, you can't win, you can't stay even and you can't get out of
> the game.... <sigh>

You could post bond and self insure in some states, however I would
expect any lawyer of the other party in any accident to dig this out and
figure if you are rich enough to do that, you are rich enough to sue the
testicles off of.

Re: Did You Know This About Car Insurance?
 

In article <f4Wdncu7za5LLl7bnZ2dnUVZ_quhnZ2d@comcast.com>,
Lon <lon.stowell@comcast.net> wrote:
#XS11E proclaimed:
#> Some don't count the first violation or didn't used to, not sure if
#> that's still true?
#
#I remember the CEO of some insurance company a few years back claiming
#his company didn't use speeding tickets at all for rates, as they were
#of the opinion that those were largely thinly disquised road taxes in
#too many locales. He did note that he would raise rates on a failure to
#yield, careless driving, reckless driving, or seatbelt violation though.
#Darned if I can recall the name of his company.

Sounds like a nice insurance company.

#>>Some insurance companies even look at your credit rating when
#>>deciding your rate bracket, although most places are trying to
#>>make that against the law...
#>
#>
#> I'm can understand that, a bad credit score may suggest future
#> problems, one lady I knew confided that she ran a credit check on
#> anyone who asked her out before she'd go out with them, her reason was
#> that she'd never date anyone she wouldn't consider marrying and bad
#> credit was a problem she wasn't willing to assume.
#
#Sounds a bit extreme, as you could always do it later... and any guy
#with credit alerts might just wonder why any new acquaintance would be
#so snoopy.
Considering that you need a SSN or other personaly identifing info for a
credit check... I would guess the girl did not date much. Or only guys
stupid enough to hand over a SSN (or equiv) to a almost stranger.


/herb

Re: Did You Know This About Car Insurance?
 

In article <f4Wdncu7za5LLl7bnZ2dnUVZ_quhnZ2d@comcast.com>,
Lon <lon.stowell@comcast.net> wrote:
#XS11E proclaimed:
#> Some don't count the first violation or didn't used to, not sure if
#> that's still true?
#
#I remember the CEO of some insurance company a few years back claiming
#his company didn't use speeding tickets at all for rates, as they were
#of the opinion that those were largely thinly disquised road taxes in
#too many locales. He did note that he would raise rates on a failure to
#yield, careless driving, reckless driving, or seatbelt violation though.
#Darned if I can recall the name of his company.

Sounds like a nice insurance company.

#>>Some insurance companies even look at your credit rating when
#>>deciding your rate bracket, although most places are trying to
#>>make that against the law...
#>
#>
#> I'm can understand that, a bad credit score may suggest future
#> problems, one lady I knew confided that she ran a credit check on
#> anyone who asked her out before she'd go out with them, her reason was
#> that she'd never date anyone she wouldn't consider marrying and bad
#> credit was a problem she wasn't willing to assume.
#
#Sounds a bit extreme, as you could always do it later... and any guy
#with credit alerts might just wonder why any new acquaintance would be
#so snoopy.
Considering that you need a SSN or other personaly identifing info for a
credit check... I would guess the girl did not date much. Or only guys
stupid enough to hand over a SSN (or equiv) to a almost stranger.


/herb

Re: Did You Know This About Car Insurance?
 

In article <f4Wdncu7za5LLl7bnZ2dnUVZ_quhnZ2d@comcast.com>,
Lon <lon.stowell@comcast.net> wrote:
#XS11E proclaimed:
#> Some don't count the first violation or didn't used to, not sure if
#> that's still true?
#
#I remember the CEO of some insurance company a few years back claiming
#his company didn't use speeding tickets at all for rates, as they were
#of the opinion that those were largely thinly disquised road taxes in
#too many locales. He did note that he would raise rates on a failure to
#yield, careless driving, reckless driving, or seatbelt violation though.
#Darned if I can recall the name of his company.

Sounds like a nice insurance company.

#>>Some insurance companies even look at your credit rating when
#>>deciding your rate bracket, although most places are trying to
#>>make that against the law...
#>
#>
#> I'm can understand that, a bad credit score may suggest future
#> problems, one lady I knew confided that she ran a credit check on
#> anyone who asked her out before she'd go out with them, her reason was
#> that she'd never date anyone she wouldn't consider marrying and bad
#> credit was a problem she wasn't willing to assume.
#
#Sounds a bit extreme, as you could always do it later... and any guy
#with credit alerts might just wonder why any new acquaintance would be
#so snoopy.
Considering that you need a SSN or other personaly identifing info for a
credit check... I would guess the girl did not date much. Or only guys
stupid enough to hand over a SSN (or equiv) to a almost stranger.


/herb

Re: Did You Know This About Car Insurance?
 

In article <f4Wdncu7za5LLl7bnZ2dnUVZ_quhnZ2d@comcast.com>,
Lon <lon.stowell@comcast.net> wrote:
#XS11E proclaimed:
#> Some don't count the first violation or didn't used to, not sure if
#> that's still true?
#
#I remember the CEO of some insurance company a few years back claiming
#his company didn't use speeding tickets at all for rates, as they were
#of the opinion that those were largely thinly disquised road taxes in
#too many locales. He did note that he would raise rates on a failure to
#yield, careless driving, reckless driving, or seatbelt violation though.
#Darned if I can recall the name of his company.

Sounds like a nice insurance company.

#>>Some insurance companies even look at your credit rating when
#>>deciding your rate bracket, although most places are trying to
#>>make that against the law...
#>
#>
#> I'm can understand that, a bad credit score may suggest future
#> problems, one lady I knew confided that she ran a credit check on
#> anyone who asked her out before she'd go out with them, her reason was
#> that she'd never date anyone she wouldn't consider marrying and bad
#> credit was a problem she wasn't willing to assume.
#
#Sounds a bit extreme, as you could always do it later... and any guy
#with credit alerts might just wonder why any new acquaintance would be
#so snoopy.
Considering that you need a SSN or other personaly identifing info for a
credit check... I would guess the girl did not date much. Or only guys
stupid enough to hand over a SSN (or equiv) to a almost stranger.


/herb