Originally Posted by jpierce55
SHE mails me a form that I must sign and then send back to her. .
Save yourself the hassle and drive down there and sign it in person. The whole reasoning behind it is I can call them up and claim to be you and tell them to cancel. The mailing of the form is their insurance.... no pun intended.
My mom works for State Farm. They are the same way. Just do it in person before you leave and you'll be OK.
Also, as far as what you're paying.... You need to learn to play the insurance game just like them. If you have multiple cars insured make sure you get a multicar discount. If one's a weekend cruiser make sure it insured only for that, etc.... Got life, homeowners, etc... too? Make sure you get the multiline discount.
Most agents will not tell you this because it's just more commission they get to pocket. I have everything with State Farm.
I get the multiline discount, multicar discount, discount for burglar alarm in house. I used to get the recreational discount for my pickup because I had a company vehicle and only drove my pickup on weekends and less than xxxxx miles a year....
Hell, even my car trailer is insured for replacement value. My truck insurance won't cover it if I should total the trailer in a wreck. It's some ungodly small sum of money but it's worth it if you tow it around alot.
Ask them about all the discounts that apply and see how much you'll save. These agents are in it to make money they will not volunteer this info to you. Also, check your deductibles.... Raising them will usually lower your payments, ie; paying 350 a year for a 1000 deductible when you could pay 150 for a 1500 deductible....Just be sure to keep that money in the bank in case you need it.
Just weigh all of your options. I have an inside track because my mom makes sure I get the best deal. Don't be afraid to ask them about any eligible stuff that may apply to you.