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Car insurance

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when you are compairing different policies make sure you are looking at similiar policies (ie same deduct, same coverage on all fronts, etc.).

Most companies will give you a discount if you have multiple cars with them, they tend to also give a discount if you have your home policy with them as well.

Also, if you are married (and you and your wife have similar driving records/points/etc) you can usually save money if you say the ladie drives the higher premium car... they of course don't want you to do this, but it works (if you get in an accident, you just happened to be driving your "wifes" car that day)... just one more way to save a few bucks...

Oh, we use USAA and have yet to find anybody that can beat their rates (all our P&C insurance is through them... cars, home, jewelry, etc)... having a wife who is a military brat does have some Privileges...
 
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Car insurance in Mass. is outrageously high. (I know a person who keeps an address in Rhode Island just so she doesn't have to pay the Mass. rate!) I take public transportation every day, and I still pay a buttload every month. My monthly train passes give me a 10% discount, but IMO that discount should be much higher.

But overall, I'm really happy with my insurance company (USAA). They even send out a dividend check at the end of the year (if they don't have the lowest rates, I think), so that's nice.
 
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sushi,

the dividend check is a return of premiums... All mutual companies send back what they didn't need (the contract owners are in effect the owners of the company).

I have USAA as well...have yet to have a claim problem with them...
 
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Not that they'll make it really obvious, but most companies have several sub-companies (GEICO Preferred vs. GEICO Indemnity). If you have had any tickets or accidents within 6 months, you're far less likely to get into the top tier.

If you do call GEICO in particular, when giving your occupation, make it sound as impressive and responsible as possible. Executive Assistants, for example, could pay far less than secretaries because it can strongly influence the company you end up in. Insurance companies can underwrite using just about anything, from occupation to color of car to what kind of shoes you wear, as long as they can prove that it indicates likelihood of an accident.

Also, see if tOSU or whatever other college you attended gets a discount... lots of alumni partnerships out there.

Awful business... I got out of it about five seconds after their contributions to my grad school fees ran out. You have to say things like, "Sir, I'm happy to let you know that we will be pleased to insure your vehicle for the low, low rate of only sixteen thousand dollars every six months." That's right, $16,000. The guy had 12 DUIs, a bunch of accidents, and an expensive sports car - how he was licensed and out of jail I dunno. And they still made me say "low" twice.
 
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ScarletInMyVeins said:
I go to bars within walking distance now.
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The sad thing about going to bars within walking distance here where I live is that the local Barney Fife's will pick you up and throw you in jail for public intoxication since they can't nail you for DUI or whatever they decide to call it now. That is so pathetic of these clowns. The city is hard up for money since an income tax increase was shot down twice so they resort to this shit. I'm probably showing my age but I can remember years ago if you were walking home after having a few, the cop would either give you a ride home or call a cab for you. Not anymore. I have zero respect for the local law enforcement here.
 
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