follow ft86club on our blog, twitter or facebook.
FT86CLUB
Ft86Club
Speed By Design
Register Garage Members List Calendar Search Today's Posts Mark Forums Read

Go Back   Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community - FT86CLUB > Off-Topic Discussions > Off-Topic Lounge [WARNING: NO POLITICS]

Off-Topic Lounge [WARNING: NO POLITICS] For all off-topic discussion topics.

User Tag List

Reply
 
Thread Tools Search this Thread
Old 03-14-2024, 02:09 PM   #1
Stephen W.
Senior Member
 
Stephen W.'s Avatar
 
Join Date: Jan 2016
Drives: 1993 Caterham HPC Evo
Location: Quinte West Ontario
Posts: 1,526
Thanks: 1,297
Thanked 2,626 Times in 1,026 Posts
Mentioned: 7 Post(s)
Tagged: 0 Thread(s)
Insurance BS...

Oh great, more BS to deal with. I have a quote from Hagerty for my Caterham and it’s about what I was paying for my BRZ. The Subaru is gone now so the wife called to have it removed from the policy. I asked her to inquire as to, how much to put the Caterham on?

Well, first thing was she went from paying just over $1000 per year for her 2024 Crosstrek to over $1800 per year. Why? It seems that she has not been off work long enough to be able to claim “Retired Discount” which she was getting with me. Plus, we lost the “two car discount”, the “two line discount” and I now have to be listed as a second driver on her car. (Like I wasn’t allowed to drive her vehicle or she mine before? And what about her getting my retired discount, WTF??)

She argued like a lawyer but got nowhere. So she dropped that and went on to add the Caterham as a sunny day, low yearly mileage, fun machine. We will have to get it appraised but for the sake of this quote we went with $60,000. The agent comes back with $1700 per year, both vehicles. WHAT’S WRONG WITH THIS PICTURE PEOPLE? We will pay less for two vehicles than for just one! The wife is going to start calling around tomorrow to get other quotes. She's just too upset to do it today!

Meanwhile, I have to find a reasonably priced appraiser who knows Caterhams. Plus, my car is still in Utah! ACK!
__________________
Living life on the edge, less crowded, better view!
2018 tS Still in the family.
Stephen W. is offline   Reply With Quote
The Following User Says Thank You to Stephen W. For This Useful Post:
humfrz (03-15-2024)
Old 03-15-2024, 10:53 AM   #2
Teseo
Senior Member
 
Join Date: Jun 2014
Drives: frs
Location: Gunsai
Posts: 4,902
Thanks: 7,293
Thanked 2,940 Times in 1,782 Posts
Mentioned: 23 Post(s)
Tagged: 2 Thread(s)
Bidenomics
Teseo is offline   Reply With Quote
Old 03-15-2024, 12:54 PM   #3
Stephen W.
Senior Member
 
Stephen W.'s Avatar
 
Join Date: Jan 2016
Drives: 1993 Caterham HPC Evo
Location: Quinte West Ontario
Posts: 1,526
Thanks: 1,297
Thanked 2,626 Times in 1,026 Posts
Mentioned: 7 Post(s)
Tagged: 0 Thread(s)
Quote:
Originally Posted by Teseo View Post
Bidenomics
WRONG!
First of all, I’m Canadian.
Secondly, this has nothing to do with the Biden administration. Rather it’s plain old corporate greed as simple as that. And we all know whose purview lying, cheating and stealing all to gain power and money is, RIGHT? That orange haired, slack jawed, can’t get the words out correctly or remember names, sack-o-shite, diarrhea spewing, twice-impeached, civilly liable for sexual assault, has to raid his campaign funds to pay his depts and at last count facing 91 felony charges, X (OK, former) President.
__________________
Living life on the edge, less crowded, better view!
2018 tS Still in the family.
Stephen W. is offline   Reply With Quote
The Following 7 Users Say Thank You to Stephen W. For This Useful Post:
2.2Lude (03-15-2024), alphasaur (03-15-2024), blsfrs (03-19-2024), pope (03-17-2024), soundman98 (03-15-2024), spike021 (03-16-2024), villainous_frx (03-23-2024)
Old 03-15-2024, 04:16 PM   #4
Sapphireho
Chicken bucket
 
Sapphireho's Avatar
 
Join Date: Mar 2016
Drives: '15 ultramarine
Location: Idaho
Posts: 13,380
Thanks: 5,537
Thanked 18,535 Times in 8,756 Posts
Mentioned: 158 Post(s)
Tagged: 0 Thread(s)
Quote:
Originally Posted by Teseo View Post
Bidenomics
Quote:
Originally Posted by Stephen W. View Post
WRONG!
First of all, I’m Canadian.
Best to keep your political views off the car board.
Sapphireho is offline   Reply With Quote
The Following 6 Users Say Thank You to Sapphireho For This Useful Post:
AJ32162 (03-18-2024), alphasaur (03-15-2024), DarkPira7e (03-15-2024), humfrz (03-15-2024), Ohio Enthusiast (03-15-2024), spike021 (03-16-2024)
Old 03-15-2024, 09:38 PM   #5
soundman98
ProCrastinationConsultant
 
soundman98's Avatar
 
Join Date: Sep 2013
Drives: '14 Ranger, '18 Tacoma 4Dr LB
Location: chicago-ish
Posts: 11,330
Thanks: 35,240
Thanked 13,675 Times in 6,782 Posts
Mentioned: 98 Post(s)
Tagged: 0 Thread(s)
Quote:
Originally Posted by Stephen W. View Post
Oh great, more BS to deal with. I have a quote from Hagerty for my Caterham and it’s about what I was paying for my BRZ. The Subaru is gone now so the wife called to have it removed from the policy. I asked her to inquire as to, how much to put the Caterham on?

Well, first thing was she went from paying just over $1000 per year for her 2024 Crosstrek to over $1800 per year. Why? It seems that she has not been off work long enough to be able to claim “Retired Discount” which she was getting with me. Plus, we lost the “two car discount”, the “two line discount” and I now have to be listed as a second driver on her car. (Like I wasn’t allowed to drive her vehicle or she mine before? And what about her getting my retired discount, WTF??)

She argued like a lawyer but got nowhere. So she dropped that and went on to add the Caterham as a sunny day, low yearly mileage, fun machine. We will have to get it appraised but for the sake of this quote we went with $60,000. The agent comes back with $1700 per year, both vehicles. WHAT’S WRONG WITH THIS PICTURE PEOPLE? We will pay less for two vehicles than for just one! The wife is going to start calling around tomorrow to get other quotes. She's just too upset to do it today!

Meanwhile, I have to find a reasonably priced appraiser who knows Caterhams. Plus, my car is still in Utah! ACK!

insurance is just screwy. sort of like gas prices. they know we have no choice...

i just went through a battery of quotes after my car insurance kept rising to $2600/year for 2 vehicles. no accidents, no claims, no tickets in the last 7 years. it just kept going up, up, and away... i'll be saving almost $1400 switching.

but then, i'm switching home owners insurance at the same time, which is a $300/yr increase, but my car insurance renews every 6 months, where my homeowners renews/adjusts annually. so i'm expecting that to significantly increase if i stayed with what i had.
__________________
"The time you enjoy wasting is not wasted time"
soundman98 is offline   Reply With Quote
Old 03-15-2024, 10:39 PM   #6
cjd
Senior Member
 
cjd's Avatar
 
Join Date: May 2014
Drives: 2017 BRZ
Location: Chicago
Posts: 3,290
Thanks: 1,260
Thanked 2,932 Times in 1,715 Posts
Mentioned: 58 Post(s)
Tagged: 0 Thread(s)
Garage
It's like these companies are after profits, not actually caring for people in a bind...
__________________
Second chance build... or whatever it is.
cjd is offline   Reply With Quote
The Following User Says Thank You to cjd For This Useful Post:
soundman98 (03-18-2024)
Old 03-15-2024, 11:13 PM   #7
NoHaveMSG
Senior Member
 
NoHaveMSG's Avatar
 
Join Date: Jan 2018
Drives: Crapcan
Location: Oregon
Posts: 11,281
Thanks: 18,382
Thanked 16,478 Times in 7,463 Posts
Mentioned: 109 Post(s)
Tagged: 0 Thread(s)
Garage
Quote:
Originally Posted by soundman98 View Post

i just went through a battery of quotes after my car insurance kept rising to $2600/year for 2 vehicles.
Holy crap. I am like 1300/yr 3 vehicles all full coverage.
__________________
"Experience is the hardest kind of teacher. It gives you the test first and the lesson afterward." -Oscar Wilde.
NoHaveMSG is offline   Reply With Quote
The Following User Says Thank You to NoHaveMSG For This Useful Post:
humfrz (03-15-2024)
Old 03-15-2024, 11:46 PM   #8
humfrz
Senior Member
 
Join Date: May 2013
Drives: 2013 FR-S, white, MT
Location: Puyallup, WA
Posts: 30,080
Thanks: 29,161
Thanked 32,218 Times in 16,583 Posts
Mentioned: 709 Post(s)
Tagged: 2 Thread(s)
Quote:
Originally Posted by NoHaveMSG View Post
Holy crap. I am like 1300/yr 3 vehicles all full coverage.
What's your insurance company - sign me up! -
humfrz is offline   Reply With Quote
Old 03-16-2024, 04:09 AM   #9
Sapphireho
Chicken bucket
 
Sapphireho's Avatar
 
Join Date: Mar 2016
Drives: '15 ultramarine
Location: Idaho
Posts: 13,380
Thanks: 5,537
Thanked 18,535 Times in 8,756 Posts
Mentioned: 158 Post(s)
Tagged: 0 Thread(s)
I pay about $2800/yr for 5 cars and 3 drivers age 60, 57, and 22. All full coverage.


Insurance is the dumbest bet ever. You bet x amount of money you will get in an accident, then you try like hell to lose the bet.
Sapphireho is offline   Reply With Quote
The Following 6 Users Say Thank You to Sapphireho For This Useful Post:
bcj (03-16-2024), humfrz (03-16-2024), Kiske (03-25-2024), soundman98 (03-18-2024), spike021 (03-16-2024), Spuds (03-16-2024)
Old 03-16-2024, 12:23 PM   #10
NoHaveMSG
Senior Member
 
NoHaveMSG's Avatar
 
Join Date: Jan 2018
Drives: Crapcan
Location: Oregon
Posts: 11,281
Thanks: 18,382
Thanked 16,478 Times in 7,463 Posts
Mentioned: 109 Post(s)
Tagged: 0 Thread(s)
Garage
Quote:
Originally Posted by humfrz View Post
What's your insurance company - sign me up! -
It’s just progressive. I’m like 650 every 6 months. My area is not very populated so that probably helps a lot.
__________________
"Experience is the hardest kind of teacher. It gives you the test first and the lesson afterward." -Oscar Wilde.
NoHaveMSG is offline   Reply With Quote
The Following 3 Users Say Thank You to NoHaveMSG For This Useful Post:
humfrz (03-16-2024), soundman98 (03-18-2024), spike021 (03-16-2024)
Old 03-16-2024, 05:55 PM   #11
humfrz
Senior Member
 
Join Date: May 2013
Drives: 2013 FR-S, white, MT
Location: Puyallup, WA
Posts: 30,080
Thanks: 29,161
Thanked 32,218 Times in 16,583 Posts
Mentioned: 709 Post(s)
Tagged: 2 Thread(s)
Quote:
Originally Posted by NoHaveMSG View Post
It’s just progressive. I’m like 650 every 6 months. My area is not very populated so that probably helps a lot.
Ahhhhhh.........OK -
Attached Images
 
humfrz is offline   Reply With Quote
Old 03-16-2024, 09:15 PM   #12
Stephen W.
Senior Member
 
Stephen W.'s Avatar
 
Join Date: Jan 2016
Drives: 1993 Caterham HPC Evo
Location: Quinte West Ontario
Posts: 1,526
Thanks: 1,297
Thanked 2,626 Times in 1,026 Posts
Mentioned: 7 Post(s)
Tagged: 0 Thread(s)
Quote:
Originally Posted by humfrz View Post
Ahhhhhh.........OK -
At least you can see the pad wear on that BReeZe without pulling the wheels off.


__________________
Living life on the edge, less crowded, better view!
2018 tS Still in the family.
Stephen W. is offline   Reply With Quote
The Following 3 Users Say Thank You to Stephen W. For This Useful Post:
bcj (03-18-2024), blsfrs (03-19-2024), humfrz (03-16-2024)
Old 04-04-2024, 12:22 PM   #13
Stephen W.
Senior Member
 
Stephen W.'s Avatar
 
Join Date: Jan 2016
Drives: 1993 Caterham HPC Evo
Location: Quinte West Ontario
Posts: 1,526
Thanks: 1,297
Thanked 2,626 Times in 1,026 Posts
Mentioned: 7 Post(s)
Tagged: 0 Thread(s)
Insurance update.
The wife called our insurance company to add the Caterham and low and behold after 2 ˝ hours and talking to three different people it seems that, QUOTE: “We do not insure that type of vehicle”. Furthermore, they all claimed that there was no record of my wife getting a quote for a Caterham. She asked to speak to a manager but was repeatedly declined. The best they would do was to ask a manager to look into the recording and we’d have to call back in 3 to 4 days. Plus, still no joy with lowering her rates.
I went ahead and insured the Caterham with Hagerty.
Well, this morning a manager called us. Turns out that they had asked the wife if Caterhams had been distributed in Canada? She asked, do you mean are they available for sale? Then said yes. What they actually meant was, were Caterhams imported and sold as new vehicles in Canada? We never did get an answer as to why that wasn’t explained or why a 30+ year old used Caterham imported into Canada from the US wasn’t insurable as a special interest vehicle?
So while the wife had this person on the phone she pressed for answers about her insurance. This person talked so much bull I couldn’t keep up. It seems that the wife had had a decreasing deductible on her last three vehicles and that transferred over to her new Crosstreck. However, it appears that the rates for that had gone up plus it was to reset each time she bought a new car. Bottom line is, the only way she can get a lower rate is to write a new policy and according to this person the lowest deductible she can get is $750 and not the decreasing type. After much discussion she did get my name taken off the policy as I now own a vehicle that is insured. That saved her a whopping $120!
In the mean time she had been phoning around to every insurance company we could think of. The best deals of course came with us transferring out house insurance too. BUT! So far none will take our house as it has forced air OIL heat. Some won’t even look at us because our house has actual wood burning fireplaces. WTF???
__________________
Living life on the edge, less crowded, better view!
2018 tS Still in the family.
Stephen W. is offline   Reply With Quote
The Following 2 Users Say Thank You to Stephen W. For This Useful Post:
blsfrs (04-04-2024), soundman98 (04-07-2024)
Old 04-29-2024, 12:52 PM   #14
Aaron Reed
Junior Member
 
Aaron Reed's Avatar
 
Join Date: Jan 2022
Drives: gr86
Location: New York
Posts: 6
Thanks: 0
Thanked 2 Times in 2 Posts
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Insurance can be such a headache. It's crazy how adding a second vehicle can sometimes end up saving you money with moneyrepublic.

Last edited by Aaron Reed; 06-02-2024 at 09:56 AM.
Aaron Reed is offline   Reply With Quote
The Following User Says Thank You to Aaron Reed For This Useful Post:
Stephen W. (04-29-2024)
Reply

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
Pay-per-mile insurance is the hidden gem of auto insurance tzhu07 Scion FR-S / Toyota 86 GT86 General Forum 14 10-23-2020 12:06 AM
Insurance question, handing totaled cars over to insurance ZionsWrath Off-Topic Lounge [WARNING: NO POLITICS] 16 05-15-2018 08:15 PM
Insurance RitualOfTheSloth Scion FR-S / Toyota 86 GT86 General Forum 26 06-06-2014 02:48 PM
Insurance for the FR-S Style Scion FR-S / Toyota 86 GT86 General Forum 291 01-05-2013 05:57 PM
Insurance Ravine AUSTRALIA 1 06-06-2012 07:15 PM


All times are GMT -4. The time now is 03:49 AM.


Powered by vBulletin® Version 3.8.11
Copyright ©2000 - 2024, vBulletin Solutions Inc.
User Alert System provided by Advanced User Tagging v3.3.0 (Lite) - vBulletin Mods & Addons Copyright © 2024 DragonByte Technologies Ltd.

Garage vBulletin Plugins by Drive Thru Online, Inc.