Date: Fri, 23 Jun 2017 12:50:18 -0700
Reply-To: David McNeely <davmcneely40@GMAIL.COM>
Sender: Vanagon Mailing List <vanagon@gerry.vanagon.com>
From: David McNeely <davmcneely40@GMAIL.COM>
Subject: Re: Car Insurance Renewal Time!
In-Reply-To: <1498245022.4646.1.camel@localhost>
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I used AAA Insurance for both home and auto for years when I lived in
Oklahoma. I found they provided the best rates and coverage for me, and
they gave very good service. For example, when we had a horrible hail
storm, THEY CONTACTED ME to make sure I got estimates and got my house
reroofed. They took my estimate, though the one they got from their
appraiser was lower, because I wanted a particular roofer to do the work.
They then sent the appraiser back after the work to make sure it was
properly done, and actually required the roofing company to redo some
flashing.
Unfortunately, I can't get AAA insurance here in Washington. They sell
insurance, but as an agent, not their own insurance. If you can get AAA
insurance, I recommend it. However, I would not take them at their word
regarding the value of your vehicle in case of a claim. In Oklahoma they
told me that I would need to buy an agreed value policy to guarantee the
full value of the vehicle. That required a yearly mileage limit, nightly
garaging even if away from home, never driving off of pavement, and a
number of other restrictions I did not want. They gave me the same "actual
value" statement, but then said that that actual value was whatever NADA
stated. The policy itself says that no claim in excess of "actual value"
will be paid.
If you find that the insurance company claims that your vehicle is a total
loss, you will probably find that some negotiations are required to get
anything like "true value" for it.
mcneely
On Fri, Jun 23, 2017 at 12:10 PM, Charles Abney <tsudonimh@gmail.com> wrote:
> Just an FYI, since you are retired and appear to be looking for lowest
> cost, you may qualify for special rates. Well, if you live in
> California. If so, try mylowcostauto.com . Otherwise, check your own
> state for special rates.
>
> But it sounds like you have a pretty good deal already from AAA.
>
> On Fri, 2017-06-23 at 10:56 -0700, PB wrote:
> > I've had a 12-month auto insurance policy with Wawanesa for the past
> > 15
> > years. Despite fairly poor service, I kept them because I haven't had
> > any
> > tickets or at-fault accidents and their price was the lowest I could
> > find.
> > Today I learned that my 12-month auto insurance policy would be
> > changed to
> > a 6-month policy with the yearly cost raised by $700 regardless of my
> > clean
> > record and low mileage!  I'm retired and all my driving is for
> > pleasure.
> >
> >
> > I just got an estimate from AAA. They have additional discounts that
> > Wawanesa doesn't have,
> > a reputation for great service, their policy is 12 months and much
> > lower
> > than my Wawanesa  quote!  I also asked them how they would value my
> > Westy
> > if it were a total loss, and they explained that they go by the
> > actual
> > value, rather than just using the Blue Book.
> >
> > My policy renews July 18.  Can I please have some recommendations,
> > comments, and pointers  about insurance companies.  I'll probably get
> > an
> > estimate from Progressive.  I believe they consider a Westy as an RV,
> > but
> > don't know if that's an advantage above AAA.
> >
> > Patti
> > 90 Westy Automatic
> > Los Angeles
> >
>
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