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Javaman Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 08:37 PM
Original message
My letter to Geico...
I just switched from them when I found out that they were big repuke contributers. I finally get an email from them asking why I haven't renewed yet.

Here is my responce...

Dear Geico,
I have signed with Progressive insurance, because as I have recently found out, Geico actively supports the Republican party and in good conscience I can not and will not be associated with a company that continues to contribute and support a president that got us into an war based on lies against a soveriegn nation, promotes torture, gives tax cuts to corporations and has raised the poverty level in the U.S. every year he has been in office.

Progressive gives and supports the Democratic party. They support our freedoms as guaranteed by the U.S. Constitution and our basic civil liberties.

Just because bush chooses to rule through fear and use it as his platform, it's not mine. And I will not use the services of a company that feeds into that kind of game. I choose not to live in fear.

Good day
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senseandsensibility Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 08:38 PM
Response to Original message
1. Excellent and thanks for the info
Anyone know about State Farm Insurance?
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CountAllVotes Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 08:47 PM
Response to Reply #1
8. State Farm
Stay the HELL AWAY FROM THEM! I ended up having to sue them about 20+ years ago. While at work, some big puking retired Army general ran a red light and hit a whole bunch of parked cars. One of them was my car. There were eye witnessess, etc. I had to sue them to get the money I had to fork out to have my car fixed.

Ever since this experience, I wouldn't recommend State Farm to anyone! They really DO SUCK! :puke:

:kick:

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proud2BlibKansan Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 08:50 PM
Response to Reply #8
9. We have had State Farm for 30 years
and have had no problems. They have all of our cars and our homeowners. We've had good luck with them.
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senseandsensibility Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 09:16 PM
Response to Reply #9
18. I've also been happy with them for many years
but I wondered about their political donations.
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proud2BlibKansan Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 09:31 PM
Response to Reply #18
22. I wonder too
but sometimes it's best to leave well enough alone. My friend just shopped for a new car insurance carrier. They ran credit checks on her and her rates went up.
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VPStoltz Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 09:48 PM
Response to Reply #9
23. A friend of mine works for as a investigator for medical claims.
He told State Farm by far is the company that challenges the most claims. They just don't want to pony up that dividend cash.
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proud2BlibKansan Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:21 PM
Response to Reply #23
41. So they are careful
Fine by me. Keeps my premiums down.
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Weembo Donating Member (324 posts) Send PM | Profile | Ignore Mon Oct-10-05 10:44 AM
Response to Reply #41
78. Maybe
They are also huge supporters of tort reform in Texas - aka, if you are poor and don't make a lot, your life isn't worth as much. They are also fighting the Texas Insurance Commission's attempt to have them reduce rates as a result of their receipt of the tort reform goodies . . . . Let's see -- we don't have to pay as many claims, but we can still charge the same premiums -- Eureka!!!!
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proud2BlibKansan Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 08:14 PM
Response to Reply #78
108. Here's the deal
If you go back and read this thread, you can find a good reason to avoid nearly every major insurance carrier.

I buy insurance (and just about everything) based on the customer service I get. State Farm has been good to us for 30 years. We have a great agent. When I call, he takes care of me. He makes sure our claims are paid. He finds the best rates possible for us. I am also smart enough to realize that my agent is not responsible for the political decisions State Farm makes. And if I was bothered enough about these political decisions, and I called my agent, I am sure he would be glad to discuss my concerns with me.

As passionate as I am about politics, I cannot let my personal politics run every facet of my life. I live in red state hell. I am bound to be doing business with Republicans at some point whether I realize it or not. I don't honestly have time to do a political background check on every business I give my money to. I also am not entirely convinced that boycotts of this type are effective anyway.

I try to be a responsible citizen and a good liberal Democrat by doing good works. That has a positive powerful effect. Refusing to spend my money on certain businesses is merely giving lip service to the problem, IMO.
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SharonAnn Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 08:58 PM
Response to Reply #8
12. They've taken good care of both my husband and me in two separate
accidents in the same year. We've kept them as our carrier for many years because of their performance.

In both cases, we were hit by uninsured drivers who did serious damage to our cars, though we were fortunate and each escaped our respective accident with minor bruises.

I was driving to work and hit head-on by a driver who lost control of his car. My car was totaled and the price they paid was at the top of the Blue Book rate for it. I was sorry to lose the care, in immaculate condition and perfect driving condition, but it was 7 years old and the amount of damage was horrendous.

My husband was driving home from work about six months later and was hit ("T-boned") by a driver turning into a mini-mart who didn't see him sitting at a stop light. A few inches to the right and my husband would've been killed. His car was newer and more valuable, so they paid for all the repairs, and again, the amount of damage was horrendous.

We had no problems with State Farm about either of the cases. We reviewed and discussed the amount to be compensated for my car and reached an agreed upon figure, only a little bit higher than their original estimate.
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proud2BlibKansan Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:24 PM
Response to Reply #12
43. I was hit by an uninsured driver
and State Farm not only fixed my car but went after the guy who hit me and my deductible was refunded to me after they got it out of him.
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G_j Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:08 PM
Response to Reply #8
33. I dropped them years ago
because of their constant lobbying against environmental regulations that would limit certain pesticide use. :puke:
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proud2BlibKansan Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:28 PM
Response to Reply #33
46. Why would State Farm - or any insurance company
be involved in lobbying for or against environmental regulations?
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G_j Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 04:14 AM
Response to Reply #46
70. their magazine
in this state was devoted largely to farmers/farming and they often wrote about their efforts to fight regulations on some chemicals used in farming.
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proud2BlibKansan Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 06:34 PM
Response to Reply #70
103. Thanks for the explanation
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AuntiBush Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:13 PM
Response to Reply #8
35. You Would Not Believe How They Treated Me Recently!
Have had Geico for eons, over a decade easy. Recently, a neighbor slammed back into my vehicle (his red paint was on my white bumper). For the first-time ever Geico sent out an investigator taking photos of my license plates - not the damage.

Next thing ya know, Geico investigators are calling me left and right asking me questions like "Have you been arrested or DWI without telling us?" I flipped and gave them a piece of my mind and some.

After over a decade I am fed-up and pay $$ to them for my home/and 2 cars.

Everyone I've run into recently has said, "Go to State Farm," and "stay away from Geico!" Now I see it out here, too. So... looks like this week I'm calling a local State Farm insurance company and saying "Buh-Bye" to Geico, a one-time (years back) good company now turned NEO-CON!

Thanks all for the heads-up. Thought it was me!
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styersc Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 06:01 PM
Response to Reply #35
101. State Farm is great if they are your insurer because they refuse
to pay claims. I have been unable to go to work for almost a week waiting on a State Farm settlement that is clearly the fault of the speeding 16 year old boy. They keep telling me that they are waiting on this and that but what they are hoping is that I don't show up to testify against their driver and the charges will be dropped. Unethical and immoral. What sacks of crap!!!
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CountAllVotes Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 08:22 PM
Response to Reply #101
110. If you don't get your money very soon ...
get a lawyer and sue the bastards! You are quite right - this is exactly how they make their money - they don't pay claims! Damn them! I hate them! Damn them! :argh:

:kick:

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grace0418 Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 11:23 PM
Response to Reply #8
59. State Farm has been good to us. KNOCK WOOD.
We have both of our cars and our condo through them and they've been great. We even had two accidents in one year on the same car (one wasn't our fault, one technically was) and they LOWERED our rates. They gave us no problems with the claims and no problems with the rental car while the car was being fixed.
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hippywife Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 04:45 AM
Response to Reply #8
71. I've had State Farm for 26
years and everyone in my family has, too, dating back to my grandparents. We've never had a problem with anything.
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spooky3 Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 09:30 AM
Response to Reply #71
73. I'm another one with good (anecdotal) things to say about SF
Have been with them for more than 20 years. They immediately settled two claims on a burglary and a small electric fire in my rental house 5-10 years ago. Despite this there have been no threats to cancel my insurance and my car rates are especially low (lower than Progressive quoted me (by several hundred $ per year), much lower than other people's rates with other companies that I know of). Every question I place to my current agent has been answered politely and competently.
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styersc Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 05:56 PM
Response to Reply #8
100. I'm in the middle of that very scenario now!!!!!!
State Farm will lie when the truth is just as good. They wonder why we have a litigous society!!!
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demgurl Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 06:56 PM
Response to Reply #8
105. Count, I am with you on this one.
We were visiting another city where there was construction going on. The construction crew took down a stop sign and when we went through the intersection we hit another car and sent it spinning. We had not seen the car coming and we did not stop since there was no sign. We were honestly not familiar with that city and had no idea a stop sign had been there at one time. MY husband went back the very next day and took pix showing that there was no stop sign. He also took pix of the stop sign laying on the ground near the construction equipment.

The insurance people (State Farm) went out to investigate and said they would pay off the damages and our fees went up. We tried to hire a lawyer but one openly admitted since it was a case he would not really make anything off of, it was not worth it for him to take it. One lady, at State Farm, told us that she stops at each and every intersection she comes across even if there are no lights or no stop signs - she said we should as well. I call bullshit on that. If you stopped at every street intersection out there, there would be a ton more accidents and you would never get where you are going.

I can not stand State Farm.

demgurl
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CountAllVotes Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 08:20 PM
Response to Reply #105
109. yep State Farm can KISS MY ASS
I would not purchase any form of insurance from them after what happened to me with my little old car years ago. They figured I was too young and too broke to proceed and find a lawyer and pursue a very legitimate claim, that was the fact of the matter and I knew it.

However, I am not one to give up on anything easily so I managed to find an attorney to represent me and sue State Farm. It took a few years for me to get the money for what I had to put out to have my car fixed, but yes I did get the money and I took that money and I went on a trip overseas as payment to myself for my efforts.

The other cars parked where my car was parked (a couple of them were totaled out being the retired general was driving a Mercedes Benz ... awww ...) couldn't get State Farm to do anything either. The people that had collision insurance on their cars got some help with repairs or cost if totaled. However, many of the others like myself (who has collision on a car that is 15+ years old ... no one) were simply out of luck and did not pursue it.

State Farm makes me sick and I would never consider purchasing any form of insurance from them after my experience.

It was cut and dry. My car was legally parked and this rich awhole retired general hit it and several other vehicles and State Farm tried to blame it on someone else. They are corrupt and disgusting and I will never change my mind about them, never.

I don't forget.

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Deja Q Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 08:46 PM
Response to Reply #1
114. They've been good to me.
So far. O8)
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eleny Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 08:39 PM
Response to Original message
2. Well said!
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butchcjg Donating Member (149 posts) Send PM | Profile | Ignore Sun Oct-09-05 08:40 PM
Response to Original message
3. wow
I didnt know this!





Buy these designs at http://www.MontclairWear.com
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sepia_steel Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 08:41 PM
Response to Original message
4. I would guess that AAA
is a Repuke company, too. I'll check it out and I'll probably switch, too.

I knew I liked the sound of a company called 'Progressive'.
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LibDemAlways Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 08:57 PM
Response to Reply #4
11. Many years ago a guy who had AAA
insurance plowed into me on the freeway. AAA wouldn't pay a dime. Had to take the guy to court, and the first question the judge asked him was "Why didn't your insurance company pay for this?" He just shrugged his shoulders. The judge ruled in our favor and AAA finally issued a check the next day.

Damn shame that they forced me to take legal action when their insured was clearly at fault.
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nothingshocksmeanymore Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 10:41 AM
Response to Reply #11
76. Back in the good old days, you would have had a bad faith issue
but George Deukmejian's Supreme Court did that in by overturning the landmark case that allowed third parties to sue for bad faith
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Maestro Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 08:41 PM
Response to Original message
5. That poor gecko is part of the rethug party platform?
No!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
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Crunchy Frog Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 09:00 PM
Response to Reply #5
14. If they're Repukes
it may explain why they think the gecko is an amphibian instead of a reptile, per their recent radio ads. To a creationist, taxonomic classifications don't really have much meaning.
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longship Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 08:44 PM
Response to Original message
6. Very well argued and very well written.
Nominated. Especially because of no curse words (which are not bad, but don't do any good in this context).
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StClone Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 08:45 PM
Response to Original message
7. Reptile supporters give Geckos a bad name.
Edited on Sun Oct-09-05 08:46 PM by StClone
Stinking Rs corrupt everthing.
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Chemical Bill Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 08:57 PM
Response to Original message
10. Geico also hands out radar guns to police departments.
Giving free radar guns means more speeding tickets, so Geico can charge more in premiums. Nice folks....

Bill
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merwin Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 09:00 PM
Response to Original message
13. I switched from Geico to Progressive 1 year ago and I love them.
Funny enough, they apparently donate to progressive/democratic candidates.
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bullimiami Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 09:09 PM
Response to Reply #13
16. weve had progressive for quite awhile
if they indeed are bluish I guess Im happy to stay with them.
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merwin Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 09:21 PM
Response to Reply #16
20. Progressive is 97% blue
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VPStoltz Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 09:52 PM
Response to Reply #20
26. I hope they don't base their rates totally on credit scores like
PEMCO in Wa. state does. Pemco doesn't even look at your driving record anymore, or how long you've been with the company. If for some reason, and most often they can't be explained so that an intelligent person can understand, your credit score dips, PEMCO will shoot your rates up sky high. I bought a new car 4 years ago, borrowed the money and paid it back within 2. My score dipped because of the credit request - my insurance went up 44% even though I bought a Volvo, safest car on the road.
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Rainscents Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 09:57 PM
Response to Reply #26
28. Call COSTCO!! I switch and saved over $500.00!!!
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abbeyco Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:35 PM
Response to Reply #28
51. I whole-heartedly agree!!
I've used Costco to get my homeowners and car insurance for the past 5 years. The policies are through American Express and so far, no one has been able to come close to touching the rates I have.

If you're a Costco member, it's well worth a serious look.
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K8-EEE Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:41 PM
Response to Reply #51
54. I Also Love COSTCO/AMEX -- But It's Only For "Good Risks"
I don't know if they take people with tickets/accidents/teenaged drivers etc. But my husband and I insure both cars with them and saved $1000 a year from our previous carrier. I've had two accidents that were completely NOT my fault. Both times I got my deductible back, they reall went the extra mile to determine who was at fault and my rates didn't go up. They were really speedy in getting me the check for my totalled car too.
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CountAllVotes Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 08:23 PM
Response to Reply #54
111. I just called Costo
I asked for an estimate on my insurance - came in at over $170 a year more than I now pay ... so much for COSTCO ... :(

:kick:
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Fescue4u Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:09 PM
Response to Reply #26
34. Thank "Progressive" for that
Edited on Sun Oct-09-05 10:09 PM by Fescue4u
They pionered tying your credit scores to your auto insurance.

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merwin Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:19 PM
Response to Reply #34
39. Odd, I never had to do that with Progressive.
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Fescue4u Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:24 PM
Response to Reply #39
44. Check your credit history
You'll see where they checked your credit.

Or start an application online (don't have to finish it), and you'll see where they ask permission to check credit.

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merwin Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:30 PM
Response to Reply #44
47. Just pulled up the credit report that I got a couple months ago.
No credit check when I got my insurance.

Lucky me I guess :-) I think when I signed up (website) they asked if they could use my credit report to help give me a better rate. Pretty sure I said no to that one.
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Fescue4u Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:34 PM
Response to Reply #47
50. Interesting
It sounds like they have made some changes that I was unaware of.

I suppose if they make it optional (to get a better rate), as opposed to penalizing you if your credit sucks (which certainly many companys do), then that might be a fair compromise.

Unless of course they default you to the "bad credit rate", and then you have to get your credit pulled(and have good credit), to take you out of the default rate.

thanks for the info.
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LostinVA Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 04:27 PM
Response to Reply #47
90. They do check your credit unless your state doesn't allow it
And the other poster is right: they started it.

I'm 41, never had a s much as a speeding ticket, but three years ago my car insurance went up 47% after I had ONE late payment on a credit card. This is completely legal in Virginia. That's why I left Progressive. I'd had insurance with them for about 10 years.
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sepia_steel Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:33 PM
Response to Reply #44
49. I just did an online quote
they didn't ask for my SS#
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LostinVA Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 04:29 PM
Response to Reply #49
91. Did you just do a fast quote or an actual quote?
I just tried it and they asked me for mine.
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bonzotex Donating Member (740 posts) Send PM | Profile | Ignore Sun Oct-09-05 09:07 PM
Response to Original message
15. with Progressive for 6 years + never a problem
I had no idea they were really "progressive". God help the next Geico telemarketer that calls me.
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greyl Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 09:11 PM
Response to Original message
17. Thought this was a joke about their Neanderthal commercial, Javaman. nt
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Road Scholar Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 09:18 PM
Response to Original message
19. But I've got some good news!!
I saved a buncha money somewhere else.:spank: :spank: :spank: :spank: :spank:
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TheCowsCameHome Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 09:23 PM
Response to Original message
21. Geico and that stupid lizard can't write insurance in MA,
but the advertise like crazy in-state.
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njdemocrat106 Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:07 PM
Response to Reply #21
32. That was the same case here in New Jersey...
All the local radio stations would play Geico ads, even though they ran the disclaimer "not available in New Jersey and Massachusetts". Now that they write business here in New Jersey, it seems like every billboard here has that f*cking gecko on it. I've hated this company just for its stupid advertisements for a long time; now I hate it even more since I read this thread.
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MADem Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:15 PM
Response to Reply #21
36. Yeah, what is UP with that???
Are they casting a wide net in hopes of hitting NH and RI?
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yankeedem Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 09:49 PM
Response to Original message
24. Geico is Berkshire Hathaway
Berkshire Hathaway is Warren Buffett's company. Though he's a Republican, he's not a neocon, and has spoken out against the tax cuts for the rich, including the estate tax.

Doesn't mean that anyone is wrong for getting rid of Geico, but understand that Buffett is more of an old line conservative Republican.
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Blue_Roses Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 09:50 PM
Response to Original message
25. I'm so glad I switched to
Progressive! I had no idea that they supported the Democratic party, but wow! :bounce:
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Rainscents Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 09:55 PM
Response to Original message
27. I got my insurance through COSTCO!!! I saved $500.00!!!
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SaveElmer Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:03 PM
Response to Original message
29. I hate to say it...
But I have had Geico since 1985 and have had nothing but good service.

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AuntiBush Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:06 PM
Response to Original message
30. You're Kidding!?!
What's the link to the Progressive Insurance co? And thanks for the heads-up.
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Javaman Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 11:59 PM
Response to Reply #30
66. http://www.progressive.com
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Fescue4u Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:07 PM
Response to Original message
31. Progressive...the company that pionered tying
your auto insurance rates with your credit scores, so that the poor get to pay extra for auto insurance.

Shortly after "progressive" did this, most all other insurance companys followed suit.

Yep..very progressive.

No thanks. Im sticking with Geico.


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AuntiBush Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:17 PM
Response to Reply #31
38. Thanks for another viewpoint.
Well noted.
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merwin Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:27 PM
Response to Reply #31
45. Luckily, Washington state limits that practice
It doesn't cover everything, but covers most of it.

Effective January 1, 2003, insurance companies cannot use your credit history to cancel or non-renew your current personal insurance policy. In addition, insurers cannot deny you new coverage based on the following factors:
* The absence of credit history.
* The number of credit inquires.
* Collection accounts identified as medical bills.
* The initial purchase or finance of a vehicle or house that adds a new loan to your existing credit history.
* The use of a particular type of credit card, debit card or charge card.
* The total available line of credit you hold.

As of June 30, 2003, these factors cannot be used to determine premiums:
* The number of credit inquires.
* Collection accounts identified as medical bills.
* The initial purchase or finance of a vehicle or house that adds a new loan to the your existing credit history.
* The use of a particular type of credit card, debit card or charge card.
* The total available line of credit held by a consumer.
* The absence of credit history - unless the insurer has filed statistical data with the OIC documenting that consumers without credit histories are more likely to file claims.
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Fescue4u Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:36 PM
Response to Reply #45
52. Thats fantastic. All States should pass a similiar law (nt)
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LostinVA Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 04:31 PM
Response to Reply #31
92. Me too -- that';s who I changed to
After Progressive put my insurance up 37% because of one late cc payment, after over 20 years of spotless driving.
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high density Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:17 PM
Response to Original message
37. IMHO all "insurance" companies suck
I think you'd probably be better off finding a local provider instead of one of those national 1-800 deals.
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i_c_a_White_Ghost Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:19 PM
Response to Original message
40. fuck Geico!
I'm sick of their round the clock bombardment of advertising. Who do you fukin think pays for all that? the insured!
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kliljedahl Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:22 PM
Response to Original message
42. I switched from Geico to Progressive about 5 years ago
Never looked back. Had my first accident in 35 years about 6 months ago (yes it was my fault) & my rates didn't go up. I'm never going to leave them even though my agent is a Fundie.
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MountainLaurel Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:31 PM
Response to Original message
48. Just did that to Verizon
In cancelling our service, they asked my SO why, and he said straight out "because your company gave huge amoungs of money to Tom Delay." Later, the customer service asked asked what they could do to get back our service, and he told them to stop giving money to Tom Delay.
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K8-EEE Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:44 PM
Response to Reply #48
55. LOL! Good For Him!
I'm looking through my bills right now hoping to cancel something that gives money to Tom DeLay. It would just be fun!
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Javaman Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 12:00 AM
Response to Reply #48
67. What service did you switch to?
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wtmusic Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 10:53 AM
Response to Reply #67
80. I'd like to know also
I get good service from Verizon but would switch if you've found someone else as good
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MountainLaurel Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 03:05 PM
Response to Reply #67
86. Working Assets n/t
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unblock Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:40 PM
Response to Original message
53. oh, the stories i could tell you about progressive
a former startup company i worked issued a car loan security that included a huge progressive policy on the pool of cars.

when the claims got too high for them, they canceled the policy retroactively AND KEPT THE PAID-AHEAD PREMIUMS. that's right, they went into court and argued that they can keep the premiums on a canceled policy. and guess what? they somehow won their case.

needless to say, vanishing insurance resulted in a downgrade of our security, and one thing led to another and eventually the startup had to close shop.

so, a big middle finger to progressive.


out-and-out fraud in my book. i will NEVER be a customer of theirs. i'd rather see my money go to an honest republican like buffett than fraudulent democrats like the criminals at progressive.

fwiw, our insurance company is new jersey manufacturers', a mutual insurance company. much cheaper and better than geico or anyone else in new jersey for that matter.
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bunny planet Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 11:02 PM
Response to Reply #53
57. I'm in NJ. I'd like to know more about New Jersey Manufacturers.
What's a mutual insurance company? The rates my husband and I are paying are ridiculous, and our teenager starts to drive next year. We need help. I'd like to get quotes from a few different companies. Is New Jersey Manufacturers online or just contacted by phone?
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unblock Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 11:23 PM
Response to Reply #57
60. a mutual insurance company is owned by its policyholders
Edited on Sun Oct-09-05 11:26 PM by unblock
there are no shareholders. without profit-mad shareholders and more modestly compensated executives, nor huge commission-based sales force, their expenses are much lower than, say, state farm. at the end of the year, you get a dividend in proportion to the total premium you paid during the year. i think ours was 5% last year.

there are 2 catches to njm auto insurance.

first, one of the insureds has to work for a member company, and not all companies in nj are members. you have to call njm to find out. it originally was founded by a consortium of manufacturers (surprise) but now there are all sorts of companies involved.

second, you have to have a perfect, and i mean PERFECT driving record to get the best rates. no accidents, no tickets. having said that, even if you have a ticket or an accident on your record you can still get nj-re insurance, which is second tier but still most likely much better than anywhere else.

go to www.njm.com for more info.

good luck and happy shopping!
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bunny planet Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 12:32 AM
Response to Reply #60
69. Thanks.
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yankeedem Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 01:23 PM
Response to Reply #57
81. NJ Manufacturers
is only available from member companies, IOW you get it through an association with your employer who is a member.

My insurance went down 40% when I went from State Farm to NJM. Got a small rebate also. If I lose my job with an NJM employer, supposedly I can still keep NJM for as long as I want it.
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bunny planet Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 01:48 PM
Response to Reply #81
83. My company is one of the member companies. They are sending me a
form to get a quote now. It won't be in time for my renewal, but I also got a quote from Progressive for six months, so if the NJM quote comes in lower later on, I can switch to them after 6 months with Progressive.

Anybody know what you can do if you have another home in a different state, not your primary residence, but the insurance rates are cheaper there for auto insurance. Can you get your cars insured in that state instead of the one your primary residence is in?
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yankeedem Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 04:08 PM
Response to Reply #83
89. Not legally
insurance rates are based on where your vehicle is garaged. It is also unethical. One small reason NJ insurance is so expensive is because people living in NYC have their cars registered in NJ.
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bunny planet Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 08:12 PM
Response to Reply #89
107. I didn't know that, about it being unethical, or that NY drivers getting
their insurance in NJ was one of the reasons insurance is so high here.

I do live part of the time in the other state, although more of the year in NJ, that is why I inquired.
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yankeedem Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 08:32 PM
Response to Reply #107
112. 7 months /year
I think is the guideline to declare residence in one state.

As far as the ethics, do you really think that it is ok to get insurance in a low risk area when your driving is really in a high risk area? I live in a heavy traffic, high car theft area (Hudson County). Shouldn't I get insurance in Sussex County, if I can save money, even though I don't drive there? Should Sussex Co. residents pay more for their insurance because I mislead the insurance company? Should I pay rates on Sussex County risk when I drive/garage in Hudson?
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bunny planet Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 08:45 PM
Response to Reply #112
113. Geesh, a wee bit judgemental aren't we. I simply asked because I do live
quite a few months in the other state and have a home there. I didn't expect the extended lecture.

Peace
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yankeedem Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 08:51 PM
Response to Reply #113
115. I'm really sick of seeing people
trying to cheat the system and making people like me pay for it. I'm not going to give you permission to do it, sorry.
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bunny planet Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 09:08 PM
Response to Reply #115
116. I was not trying to cheat the system, nor have I ever cheated,at anything.
You don't know me. I simply asked a question that had its roots in a legitimate attempt to know what the legality of obtaining insurance in my other home would be. If I had wanted to cheat the system I would have attempted it already since I've been living in both states for decades now. Go pass judgement on somebody else bub. I'm done with this conversation.
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yankeedem Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 09:15 PM
Response to Reply #116
117. Whatever
if you had to ask, you knew the answer already.:eyes:
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bunny planet Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 09:28 PM
Response to Reply #117
119. If you can't admit you've been offensive and presumptuous to someone you
don't even know, whatever it is.
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unblock Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 04:36 PM
Response to Reply #83
96. watch our for the 6 month vs. 12 month quotes
njm quotes in 12 month periods, nearly everyone else quotes in 6 month periods. so at first glance you'll see njm appears slightly more expensive, until you realize it's nearly half price!
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bunny planet Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 06:17 PM
Response to Reply #96
102. I would like to immediately go with NJM if they would insure me, it's just
that they take 15 days for a quote and I started this insurance shopping a little late. My other policy, which is the astronomically expensive one, is due to be renewed towards the end of October. Progressive would be a stop gap for 6 months, then I could switch over to NJM. Even with the 6 month quote doubled, Progressive still saves me 700 bucks on a yearly comparison to what I've got now. Trick is NJM does not cover you at those rates if you have any tickets in the last three years. I just found out my husband got stopped for a minor traffic infraction (very minor) in September and he has to appear in court to fight it. If he can't get it dismissed NJM may just use it as a reason not to insure us. That would be a drag.
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unblock Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 07:56 PM
Response to Reply #102
106. like i said, driving records have to be PERFECT
although you can still get nj-re insurance.

good luck getting the ticket dismissed!
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bunny planet Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 10:52 PM
Response to Original message
56. You just inspired me to get an online quote from Progressive. They gave
me only a six month quote, but if the same premium was applied for a full year I would be saving around $1000. on my premium. I'm going to call and speak with an insurance agent tommorrow. I sure would like to switch to a blue company and save that kind of money.

Great letter btw, I hope to be writing a similar one to my existing auto insurance company, it's not Geico though so I'm not sure if they aren't blue.
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merwin Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 11:09 PM
Response to Reply #56
58. I'm pretty sure that Progressive is the only true blue insurance company
in existance :-) 97% blue isn't half bad.

Well, they may not be the ONLY blue insurance company, but probably close.
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progressoid Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 11:32 PM
Response to Reply #56
61. And the founder of Progressive smokes pot...every weekend.
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Morning Dew Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 11:39 PM
Response to Original message
62. Just don't give Progressive your email addy
Edited on Sun Oct-09-05 11:40 PM by Morning Dew
I went to their website to check rates and immediately thereafter my spam went thru the roof.
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Tsiyu Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 11:53 PM
Response to Reply #62
64. They have mine
and I have no spam problems.

Hmmmmm...
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Tsiyu Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 11:51 PM
Response to Original message
63. Progressive ROCKS!
If you can, switch. They have great customer service and you can pay your bill by phone very easily and the founder is a gigunda supporter of those we hold dear.

:)
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kath Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Oct-09-05 11:55 PM
Response to Original message
65. Progressive gave us low rates the 1st year to suck us in, but then WHOA,
the rate increased a LOT for the 2nd year. We bailed and went back to GEICO to save money. Have had good service from them through 2 accidents.
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minerva50 Donating Member (229 posts) Send PM | Profile | Ignore Mon Oct-10-05 12:12 AM
Original message
I also switched from Geico to Progressive
My letter to GEICO said: "I will be paying less for my insurance, but more importantly I will no longer be doing business with a company that helps support George Bush and his gang of thieves and liars in the Republican party."
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minerva50 Donating Member (229 posts) Send PM | Profile | Ignore Mon Oct-10-05 12:12 AM
Response to Original message
68. I also switched from Geico to Progressive
Edited on Mon Oct-10-05 12:14 AM by minerva50
sorry double post
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democrank Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 05:49 AM
Response to Original message
72. It`s satisfying to know
that in our own small ways we can take steps to voice our disapproval of the criminals in the White House. Good for you.
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Pacifist Patriot Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 10:35 AM
Response to Original message
74. Beautiful!
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Egalitariat Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 10:40 AM
Response to Original message
75. Geico's owned by Berkshire Hathaway. Warren Buffett is not
a big time Puke supporter.

Where did you get your information?
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Javaman Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 10:44 AM
Response to Reply #75
77. Buyblue.com
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Historic NY Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 03:38 PM
Response to Reply #77
88. Its buyblue.org.
GEICO only contributed 18k compared to State Farm's 44k and thats total contributions but they do favor Repugs.

http://www.buyblue.org/directory/32
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KharmaTrain Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 10:50 AM
Response to Reply #75
79. The GE in GEICo is for...


BTW...here's what BuyBlue says:

$1,190 to Democrats
$17,661 to Republicans
$0 to Others
$18,849 in Total Contributions


Donations aren't as big but Repugnican nonetheless...plus their act here is to grab business from the poorest...those who can't afford the "big boys" insurance and get stuck in plans where they have little say over their care...just be glad you have the damn insurance and laugh at the lizzard.
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Thew Donating Member (110 posts) Send PM | Profile | Ignore Mon Oct-10-05 01:42 PM
Response to Reply #79
82. Believe it stands for government employees n/m
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Lex Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 01:48 PM
Response to Reply #82
84. Yep. Government Employees Insurance Company. nt
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LostinVA Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 04:35 PM
Response to Reply #79
95. That's absolutely wrong
GEICO Is Government Employees Insurance Company. For civil servants, military, etc. originally.
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LostinVA Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 04:33 PM
Response to Reply #75
94. Warren Buffett is okay -- I have some respect for him
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Bridget Burke Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 01:57 PM
Response to Original message
85. I thought from your name....
That you might be protesting the anti-Caveman slurs we've seen in their ads.

(Yes, I'm being silly. Good post.)


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Historic NY Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 03:31 PM
Response to Original message
87. I have a lawsuit involving State Farm.......
they have been balking on paying off on the claim. I sustained a broken leg & ankle on the property of one of their clients. My attorney says they want to come and take a picture of the scar, from ankle surgery. The funny thing is I have State Farm for home insurance also....this could get interesting. Some years back my uncle in his 80's ran threw my garage and struck one of my old cars. The house was damaged and could not be secured, State Farm was more concerned about my car then the house. My cars wasn't even insured by them, but they had a antique appraiser there in 2 days and a check to me in 5, go figure. They finally sent an adjuster around to photo the house damage as I told them I was fixing it immediately. In the end they paid.
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SeattleRob Donating Member (893 posts) Send PM | Profile | Ignore Mon Oct-10-05 04:32 PM
Response to Original message
93. Good for you!
My wife recently dropped Geico via the telephone. When the representative asked her why, she said "Because your company gives money to Republicans."

We the people do weild a lot of power with our spending. What would companies like Geico do if 1000 people cancelled their coverage? Think about it!
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dand Donating Member (636 posts) Send PM | Profile | Ignore Mon Oct-10-05 04:53 PM
Response to Original message
97. Thanks for the heads up Javaman,
I just signed up with Ameriprise, thru Costco, my six month premium went from $993.00 to $738.00. The person that I talked to at GEICO when I canceled had no idea her Company was a big Republican contributor. She does now.:toast:
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Bryn Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 05:43 PM
Response to Original message
98. Good For You!! Got Dropped over LoJack
In 1992, Geico sent me something for me to update for their info. so I put down that I had LoJack and as soon as they got updated info. they dropped me like a hot potato because they thought LoJack meant Fuzz Buster. Dumb!
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nedbal Donating Member (675 posts) Send PM | Profile | Ignore Mon Oct-10-05 05:44 PM
Response to Original message
99. I made 2 major decisions to buy blue.
1) I switched from State Farm to Progressive 2) I got the DNC Providian credit card with the cash back to the DNC. I pay my Progressive bill with my DNC card. State Farm is a good insurance company but it made way more donations to the R's than the D's .... I have a extremely good credit rating so the Progressive insurance cost was a wash, lower on the one old 89 Ciera I had and higher on the motorcycle. This past summer I got a brand new car after 15 years with the 89 ciera. I still keep the old one and use it for the drive to work. The price of the full coverage on the new car was lower than I expected. The old car is about $400 per 6 months, the new is about $600 per 6 months.
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Cha Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 06:35 PM
Response to Original message
104. Hey Javaman! That's Good!
Thanks for gettin' active with Geico!
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Liberal_Dog Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-10-05 09:16 PM
Response to Original message
118. Good For You!!
I hate Geico. I hate their stupid dumbass commercials. I would love to sqquish that damned gecko into pulp.
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