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Blogs > CharlieMurphy
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CharlieMurphy
Profile Blog Joined March 2006
United States22895 Posts
Last Edited: 2008-09-24 21:32:33
June 10 2008 21:34 GMT
#1
So my Birthday was the other day. Since car insurance rates can change not just from driving record, making payments on time always, or having a plan for a set amount of time I got a letter saying call my insurance immediately to get "NEW LOWER RATES!!" (because I'm now 24 y.o.).

1st call:
So I call them "immediately", guy says he'll transfer me over to my agent, on hold for 2 minutes, guy picks back up asks me for Driver's License-- tells me my agent is Evonne and transfers me again, 30 seconds later he picks back up and says Evonne isn't in right now. Call back on Monday (This was a Friday afternoon).

2nd call:
So I call back on Monday, talk to Evonne and she tells me I can get 12$ bucks cheaper to a 42$ a month plan. Says I need to either come in or get to a computer and fax to do all the shit. (I was assuming this would be some quick change over the phone). So I tell her I'll be at work tomorrow at 1:30pm and can use the fax and computer there.

[Side Story]
+ Show Spoiler +

[image loading]

Lol, ok so I get to work and I'm grabbing my shit out of my car, making sure I have everything and locking the doors, keys are laying on the seat and I check my pockets. Door shuts, its locked. Lmao.
So now I'm trying to McGyver the side/back window open with something so I can jam a stick into the lock through the crack of the window. Luckily some construction workers had a bin full of crap across the street and I found a long ass stick. The problem was though, I had to get the window cracked first. Was trying to use 4 gift cards and make handles and pull it open. Didn't work.
So after like 15 minutes, I'm gonna be late for work and just leave. (I park a block away and skate to work)
I get into work and start looking for shit to use to get the window cracked.
Grabbed a broom, unscrewed it, took the wood. Took a bunch of accessories shit off the wall, and took one of those metal hooks. Tell my co-worker I'll brb and run out just as fast as I came in.
I get back to my van, and the shit still won't open with the metal hook and it seems like I'm gonna crack or break something.
Before I give up I check the opposite window and easily pop it open with my fingers..lol So now I still have the long ass stick and I'm trying to reach the same lock across the car, but the angle is too awkward and the stick is too long. So I go for the driver's side manual lock that's like a little hook, also too awkward.
Running out of options, I decide to try and get the passenger side auto lock switch but its just every so slightly out of range and the long ass stick takes hulk strength at this angle to hold up and steady for even 3 seconds.
I barely nicked it and it made the 'unlock' sound but the locks just toggled up/down real fast. lmao again.
realizing I got lucky and running out of time, patience, and strength I just stand there looking in the window befuddled. Then I noticed that the front locks re-toggled but the back lock is different and actually unlocked!
So I get my keys and get back to work at 1:20 explain my story to my co-worker/supervisor and he leaves.


McGyver really has nothing on me in resourcefulness.

So back to the insurance story.

Finally settled in at work I decide to lock the store and handle this thing real fast with no interruptions.

3rd call:
So I call her up and shes actually with another client and gives me the "I'll call you back in 10 minutes thing" I tell her that I'm in a hurry and It would actually be easier if I called her back and she concedes and just tells me to hold on. 3 minutes later, she tells me a bunch of shit already know and confirms all my information that we both already know. Then she goes "Ok, I need you to write this and sign and fax it "blah blah blah.. Cancel current plan... blah blah", wait a minute what the fuck?
Nobody told me about canceling my current plan and signing up a new one with another company (I shoulda known it was too good to be true).
*Note + Show Spoiler +
I have 'Freeway Insurance' and they operate by searching all insurance companies for lowest rates etc. I have Access General currently.

That would be fine except that I'm pretty sure that it isn't free to cancel and sign up new contracts EVER. And this bitch is failing to mention anything unless I ask about it.
She tells me that its a 20 dollar cancellation fee that can't be waived and there is another 30 bucks for the first month on the new plan plus the original 42$ and god knows what else documentation fees and other bullshit they try and nickel and dime you with. So, I straight up tell her "Wtf, why would I cancel my new plan to SAVE money if I'm actually spending more than I would be on my current plan for the next 12 months." She is speechless, and I ask her If I would be able to do this later if I felt like it (really after I worked out all the math). And she tells me the rates might change but yeah.

So, first month 92$ (plus whatever else )
Next 5 = 210 , total 302$

Compared to current 6 mos. = 324$ (Wow, a whole 20 bucks!)

Next 6 mos.
New = 252$
Current = 324$
Difference = 72$, + 20$ = 92$ total saved for a year.

Is it really worth it? What if in 3-6 more months they drop my rates again even lower and offer me something even cheaper? I really don't know exactly how that works (assuming I keep a clean driving record and pay on time).

What do you guys think?
\
[image loading]

Poll: Should I switch to new plan?
(Vote): Yes
(Vote): No
(Vote): Suicide



***
..and then I would, ya know, check em'. (Aka SpoR)
ThE_OsToJiY
Profile Blog Joined May 2008
Canada1167 Posts
June 10 2008 21:39 GMT
#2
seems like they had very bad customer service. IMO Screw dem bitches, although its really up to you ...
@ostojiy
kpcrew
Profile Blog Joined December 2007
Korea (South)1071 Posts
June 10 2008 21:43 GMT
#3
this is a bit unrelated but i found out that on a honda accord, you cant lock the driver's door without the key. you cant push the lock down when the door is open and this prevents you from locking your keys inside which is a great invention
Clan Lzuruha
thedeadhaji *
Profile Blog Joined January 2006
39489 Posts
Last Edited: 2008-06-10 21:51:58
June 10 2008 21:44 GMT
#4
which company is this, out of curiosity.

edit: ah sry! didn't open that spoiler, missed it!
CharlieMurphy
Profile Blog Joined March 2006
United States22895 Posts
Last Edited: 2008-06-10 21:50:04
June 10 2008 21:46 GMT
#5
I use Freeway Insurance ("It's that thing you're speeding on") like I said, and they choose the cheapest rate for me which is Access General.
..and then I would, ya know, check em'. (Aka SpoR)
Raithed
Profile Blog Joined May 2007
China7078 Posts
June 10 2008 21:52 GMT
#6
holy fuck, why dont you go with a relatives insurance and get it reduced further?
HamerD
Profile Blog Joined January 2008
United Kingdom1922 Posts
June 10 2008 21:57 GMT
#7
omfg your macguyver STORY WAS SO FUCKING EPIC
"Oh no, we've drawn Judge Schneider" "Is that bad?" "Well, he's had it in for me ever since I kinda ran over his dog" "You did?" "Yeah...if you replace the word *kinda* with *repeatedly*...and the word *dog* with son"
Krohm
Profile Blog Joined May 2007
Canada1857 Posts
June 10 2008 22:02 GMT
#8
Suicide. TL.Net has spoken.


But really, I wouldn't even bother. Who knows what other tricks they might pull on you. Sounds like you're ultimately wasting your time and money.
Not bad for a cat toy.
micronesia
Profile Blog Joined July 2006
United States24652 Posts
June 10 2008 22:11 GMT
#9
Your van compliments my gas prices blog nicely. Car insurance is such a bitch 8o
ModeratorThere are animal crackers for people and there are people crackers for animals.
H
Profile Blog Joined July 2007
New Zealand6138 Posts
June 10 2008 22:12 GMT
#10
Your antics never cease to amuse me, sweet read
[iHs]HCO | のヮの | pachi & plexa ownz | RIP _
CharlieMurphy
Profile Blog Joined March 2006
United States22895 Posts
June 11 2008 01:03 GMT
#11
On June 11 2008 06:52 Raithed wrote:
holy fuck, why don't you go with a relatives insurance and get it reduced further?

Since I have only been driving for a little over 2 years (legally) my rates are worse than my baby sister who just got her license last year and has a kid. (fucking double standard) She pays like 50 bucks a month on farmer's with my mom, I applied and mine would be like 150$ a month. Fuck that shit. Stereotyped young-adult male rate.
..and then I would, ya know, check em'. (Aka SpoR)
Hypnosis
Profile Blog Joined October 2007
United States2061 Posts
June 11 2008 04:31 GMT
#12
They figure your not going to be racing in a fucking minivan. nice choice lol. I would say keep what you have now, its insanely cheap.. Most car insurance for (teens) is like 80-120/month LOL. dont get caught up in bullshit.
Science without religion is lame, Religion without science is blind
CharlieMurphy
Profile Blog Joined March 2006
United States22895 Posts
Last Edited: 2009-01-25 12:28:53
January 25 2009 12:20 GMT
#13
I just wanted to bump this and say it was totally worth it to not switch over, once the new year rolled around my current rates dropped from 53$ to 31$. So I was right, they did drop the rates 6 months later.

PS- ^^ I am a gosu driver

oh yea and I pretty much missed the deadlines for like 3 months inbetween and ended up just not paying that month because they have this reinstating few of like +12$, so I figure fuck it I don't need the insurance anyways, it's only there if some idiot crashes into me mostly. And I end up saving money by paying 61$ for 2 months because I can reinstate the day before the next month and it like backdates the previous month. Loophole, lol.
..and then I would, ya know, check em'. (Aka SpoR)
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