car ins
Team Owner
Joined: Mar 2004
Posts: 58,501
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From: Oklahoma City OK
C6 of Year Finalist (appearance mods) 2019
Race Director
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From: "It's 106 miles to Chicago, we've got a full tank of gas, half a pack of cigarettes, it's dark, and
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This seems to be a question that pops up from time to time - and the key issues to remember when comparing what you're being charged compared to what someone else is paying are:
1. coverage limits
2. claim experience
3. driving record
4. how is the car used
5. age of operators in the household
6. GEOGRAPHY!
Someone in a rural or semi-rural area with a clean driving record and no youthful operators in the household who drives the car as pleasure use only with minimal limits and high deductibles is going to pay dramatically less than a daily driver in one of the more populated areas.
All I'm saying is to keep these factors in mind when comparing to what someone else is paying.
I would also be sure to check the A.M. Best ratings (financial health) and possibly with your local state department of insurance for claims practices complaints.
Also - some of the specialty insurers like Grundy etc. might place severe restrictions on how and when the car can be used and amount of mileage driven annually.
1. coverage limits
2. claim experience
3. driving record
4. how is the car used
5. age of operators in the household
6. GEOGRAPHY!
Someone in a rural or semi-rural area with a clean driving record and no youthful operators in the household who drives the car as pleasure use only with minimal limits and high deductibles is going to pay dramatically less than a daily driver in one of the more populated areas.
All I'm saying is to keep these factors in mind when comparing to what someone else is paying.
I would also be sure to check the A.M. Best ratings (financial health) and possibly with your local state department of insurance for claims practices complaints.
Also - some of the specialty insurers like Grundy etc. might place severe restrictions on how and when the car can be used and amount of mileage driven annually.
Race Director
Joined: Nov 2003
Posts: 12,346
Likes: 5
From: Mustang OK
Originally Posted by blacksedan87
This seems to be a question that pops up from time to time - and the key issues to remember when comparing what you're being charged compared to what someone else is paying are:
1. coverage limits
2. claim experience
3. driving record
4. how is the car used
5. age of operators in the household
6. GEOGRAPHY!
Someone in a rural or semi-rural area with a clean driving record and no youthful operators in the household who drives the car as pleasure use only with minimal limits and high deductibles is going to pay dramatically less than a daily driver in one of the more populated areas.
All I'm saying is to keep these factors in mind when comparing to what someone else is paying.
I would also be sure to check the A.M. Best ratings (financial health) and possibly with your local state department of insurance for claims practices complaints.
Also - some of the specialty insurers like Grundy etc. might place severe restrictions on how and when the car can be used and amount of mileage driven annually.
1. coverage limits
2. claim experience
3. driving record
4. how is the car used
5. age of operators in the household
6. GEOGRAPHY!
Someone in a rural or semi-rural area with a clean driving record and no youthful operators in the household who drives the car as pleasure use only with minimal limits and high deductibles is going to pay dramatically less than a daily driver in one of the more populated areas.
All I'm saying is to keep these factors in mind when comparing to what someone else is paying.
I would also be sure to check the A.M. Best ratings (financial health) and possibly with your local state department of insurance for claims practices complaints.
Also - some of the specialty insurers like Grundy etc. might place severe restrictions on how and when the car can be used and amount of mileage driven annually.
And another item many insurance companies are looking at any more for premiums is one's credit rating. 
Pro
Joined: Nov 2003
Posts: 594
Likes: 0
From: Los Angeles Ca
I remember the post your talking about. However, that insurance company that you are refering to only insures people in two States. Those States were Calif and Oregon. I do believe I'm right on this but if I'm incorrect someone who read that thread will gladly chime in with the correct info.
CN RED
CN RED
Drifting
Joined: Jul 2001
Posts: 1,593
Likes: 4
From: oviedo florida
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