zergkiller
Expert
- 63
Wow, this is great! I’m wondering about some deep dark secret about car insurance, and suddenly thought of this forum to get a deep dark answer! Cool.
Here’s the problem. I have an excellent driving record, no accidents no nada for years and years. I have had Liberty Mutual for about thirty years with no complaints at all. I don’t think I’ve ever turned in a claim. But just to check bases, I thought I might get a better rate, and went out for quotes. I’m still reeling over the differences, and need to get a spreadsheet together but ultimately, my concern is that there be some invisible variable in dropping a long term relationship in favor of a new one.
Suppose I change to another company for a substantial price drop and get the identical benefits. Then, I have the mother of all accidents with the new company. With Liberty Mutual, I have a reputation that has lasted for about three decades. With the new company, they don’t know me.
Question: Would the new company jack my rates to the sky the next year and from then on, treat me as if I were dirt?
Here’s the problem. I have an excellent driving record, no accidents no nada for years and years. I have had Liberty Mutual for about thirty years with no complaints at all. I don’t think I’ve ever turned in a claim. But just to check bases, I thought I might get a better rate, and went out for quotes. I’m still reeling over the differences, and need to get a spreadsheet together but ultimately, my concern is that there be some invisible variable in dropping a long term relationship in favor of a new one.
Suppose I change to another company for a substantial price drop and get the identical benefits. Then, I have the mother of all accidents with the new company. With Liberty Mutual, I have a reputation that has lasted for about three decades. With the new company, they don’t know me.
Question: Would the new company jack my rates to the sky the next year and from then on, treat me as if I were dirt?