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Old 07-23-2007, 11:40 AM   #1
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wtf can they do this? ( insurance question )

okay i'll admit off the bat i drove like i was crazy when i first got my license, most of my tickets are off of my record now ( over 3 years since i'm 22 now ) and i've been driving responsibly ever since my big accident. i've gotten 1 ticket in the last year and it was a no points violation for disregaurding a traffic control device. i still have 1 speeding and 1 at fault accident that are affecting my insurance rates, right now i'm paying $239 a month.

okay now that's out of the way; i use safe auto and almost ALWAYS get the damn bill either on the due date or the day before it's due. it never comes on the same day my last 6 month cycle just ended and this was my first month of the new cycle, i got my bill and it's for $926 ( my full 6 month premium ) so i called and the lady explained that i sent 2 of my previous cycles bills late and i was a high risk so they're demanding full payment from now on

what the christ? can they do that? i have had to make over the phone payments twice because once my bill never came and another time i got it almost a week after it was due!


btw that $926 for 6 months is JUST LIABILITY freaking drive responsibly kids you don't even want to know what i have to pay for full coverage. thank god i grew up and am almost free and clear on my driving record
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Old 07-23-2007, 11:42 AM   #2
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Holy **** man. I thought me and susie had it bad.
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Old 07-23-2007, 11:44 AM   #3
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its sucks......but yes they can do that! there hoping you will cancel. Ins companies suck
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Old 07-23-2007, 11:47 AM   #4
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Originally Posted by 4drstunner View Post
its sucks......but yes they can do that! there hoping you will cancel. Ins companies suck
those ****ers! god i wish i had family out here so i could get on their policy :/ i paid like half of this when i lived at home in washington!

oh well. i'm just going to pay the whole thing and not have to worry about paying insurance for 6 months :/


oh btw the icing on the cake; i went to the shore thursday, this came SATURDAY ( possibly friday, but my roommate was home and said it came saturday ) and the due date is today ( 7/23 ) i usually get my bill one day and the next day i get a letter saying my poliocy is being canceled for non-payment!
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Last edited by drew; 07-23-2007 at 11:50 AM.
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Old 07-23-2007, 11:48 AM   #5
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Eerie Insurance dropped me after my 2nd accident. I was paying ~$1600 a year for full coverage on my parents policy and my 1st accident was basically forgiven. They dropped me and said in 3 years they will cover me again if I have no more records... but it would be like $3k for just liability...

I had to sign a paper saying that I would not drive my parents vehicles and if I did, any damages would not be covered.

Im working on getting my 240 on the road but just found that the fender support or whatever is cracked on the outside and top and split apart... once the car is ready for the road Im going to find a company that will cover me.

I got an estimate for Progressive and it was something like $2,700 for liability only... Im screwed LOL.

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Old 07-23-2007, 11:49 AM   #6
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dont feel bad, i hear NJ is way worse then PA.
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this is all i've got to say, 4drstunner i believe your name is rich?
you're car looks so deliciously good possibly better then the cereal i'm about to eat.
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Old 07-23-2007, 11:49 AM   #7
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unfortunately yea they can, my moms a financial advisor and i just gave her a call. she said since your driving record still shows a little bit of problems then if they want they can ask for the full premium so it almost forces you to stay away from accidents. they can even kick you off of their insurance if they wanted to. she recommended either calling them and seeing if you can talk to them about changing it back to monthly because you can't afford it or changing insurance companies. I've got High Point but ive heard progressive (done all online so no waiting for the bill) is pretty good for our generation. hope this helps and i hope everything goes well for you.
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i would have gotten out of the car and asked the guy if he was ok , if the guy said yes i would of them proceeded to beat the living **** out of him until he was not ok.

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Old 07-23-2007, 11:49 AM   #8
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try another company
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Old 07-23-2007, 11:52 AM   #9
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shop around for different insurance...that is bull****, i get my bill about a month in advance, i'm on nationwide, i have 1 at fault accident which will be off my record next june, i'm paying 2200 a year right now for full coverage. i'm hoping its going to start going down soon. i think 25 is the cut off now for when rates start going down
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Old 07-23-2007, 11:53 AM   #10
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try another company
this is like my fourth company, stayed with them a year now becuase they're the cheapest.. i had geico, e-surance, GMAC, now safe auto. GMAC was AWESOME i had it right after getting my license back ( was suspended for wreckless driving and exhibition of speed when i was younger ) i got it through a broker in washington and paid like $130 a month for full coverage, but they wouldn't cover me in PA so i had to look elsewere, started getting qoutes and they were like 250+ for liability only
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Old 07-23-2007, 11:54 AM   #11
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shop around for different insurance...that is bull****, i get my bill about a month in advance, i'm on nationwide, i have 1 at fault accident which will be off my record next june, i'm paying 2200 a year right now for full coverage. i'm hoping its going to start going down soon. i think 25 is the cut off now for when rates start going down
yeah 25.. i asked if i could do anything to get my rates down and she said to get married or turn 25 heh.
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Old 07-23-2007, 12:00 PM   #12
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stat farm try em
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Old 07-23-2007, 12:02 PM   #13
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Dude, call AAA. They have amazing rates. I pay 1100 for the year, full coverage on my Evo. I have an accident on my record, it is not an at fault but it is not the other persons either, kind of a mutual fault also have a few no point tickets. If you have AAA roadside assistance they give you a nice discount as well as good discounts for all sorts of safety features for your car and if you have taken a driving class or if you are s student. Seriously check it out. They work with you on payment options, always have the bill to your hose 2 weeks ahead of time and have an internet pay option that costs nothing and you can even use bank routing numbers so you don't need a credit card.
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Old 07-23-2007, 12:07 PM   #14
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Dude, call AAA. They have amazing rates. I pay 1100 for the year, full coverage on my Evo. I have an accident on my record, it is not an at fault but it is not the other persons either, kind of a mutual fault also have a few no point tickets. If you have AAA roadside assistance they give you a nice discount as well as good discounts for all sorts of safety features for your car and if you have taken a driving class or if you are s student. Seriously check it out. They work with you on payment options, always have the bill to your hose 2 weeks ahead of time and have an internet pay option that costs nothing and you can even use bank routing numbers so you don't need a credit card.
drew...thats a sick deal man, id def. check it out if i were you...hell im gonna go give em a call later lol.
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i would have gotten out of the car and asked the guy if he was ok , if the guy said yes i would of them proceeded to beat the living **** out of him until he was not ok.

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Old 07-23-2007, 12:21 PM   #15
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Dude, call AAA. They have amazing rates. I pay 1100 for the year, full coverage on my Evo. I have an accident on my record, it is not an at fault but it is not the other persons either, kind of a mutual fault also have a few no point tickets. If you have AAA roadside assistance they give you a nice discount as well as good discounts for all sorts of safety features for your car and if you have taken a driving class or if you are s student. Seriously check it out. They work with you on payment options, always have the bill to your hose 2 weeks ahead of time and have an internet pay option that costs nothing and you can even use bank routing numbers so you don't need a credit card.

thanks i'll give them a call, i actually have AAA roadside aswell as some weird insurance thing my parents got me, i'm not really sure what it is but they said something about me getting hurt on a plane or some crap.
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Old 07-23-2007, 12:58 PM   #16
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Man holy crap I was just about to ask if you had full cover age...mine with 1 point now(a total of 4 points previously) and I pay about 220 a month for full coverage...then again, my car is in my mommy's name, im just a 'driver' covered by our insurance...until I pay it off(which I am almost done...within next month it should be mine)....dayum I don't want my bill to go up TT_TT.
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Old 07-23-2007, 01:05 PM   #17
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nationwide rocks.

I pay every other month when they send me a notice of cancellation :-)

This has been going on for 6 months now. I call my agent up the day of cancellationg and tell him I just got paid, which is always the truth. Then again my record is pretty damn clean
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Old 07-23-2007, 01:13 PM   #18
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So they made you pay your full 6 months due to late payments?

If so that's on you, technically they don't have to send anything for when your payments due. Either setup a online bill pay or mark it on a calendar.
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Old 07-23-2007, 01:25 PM   #19
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it isn't the same day every month, i think it's on a 28 day calander or something ? anyone else got safe auto that can confirm that?

it's really ****in gay, i get the bill and it's like "oh hay heres your bill ps it's due tomorow and tomorow is a sunday/holiday sucks 2 be you"
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Old 07-23-2007, 01:25 PM   #20
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also, when i tried to setup automatic payments they drafted the entire balance of my term the first month
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