SCHARLEY
Atlanta, GA
Senior Member
Joined: 02/20/2005
View Profile
|
"in California we are a CONSUMER oriented state."
LOL Oh, I'm glade you cleared that up for us. Now I understand why everybodies rates are higher in CA than they are for pretty must all the rest of us folks across the country. 
Since they can't raise the rates for those that have a reasonable reason to they raise therates for everyone. Sounds alot like why an 80 year old grandmother has to be "randonly searched at the airport. We sure wouldn't want any profiling going on out that in such a progressive state like CA!! 
* This post was
edited 01/11/08 03:45pm by SCHARLEY *
SCHARLEY
|
Great-Dane
Antioch, CA
Senior Member
Joined: 08/23/2004
View Profile
 Offline
|
Sure hope you don't read the good book, wow! Dude what part of your own post didn't you get. (NOT PERMITTED UNLESS allowed by regulator) Regulator is the Department of Insurance in CA. They said NO.. Thus CANT.. Your splitting hairs and were done getting off topic. If mods delete my post, you've hurt many Californians from being informed, enough.
No hard feeling here, happy trails!  
-Bob
2004 SouthWind 32VS
|
AeroP
Emery, SD
Senior Member
Joined: 06/27/2004
View Profile
|
Credit report is just a witch hunt scam by the insurance companies. They look for glitches and dwell on them. To correct flaws in the report it would require endless phone time.
AeroP
AeroP
99DSDP
|
Ozarkwoods
Bolivar, MO
Senior Member
Joined: 01/09/2006
View Profile
Offline
|
It is true but sad that the insurance industry needs another indexing to adjust rates. As if Claim history, Age, Sex, Driving record, vehicle type, Crime rate in area, Flood area, Hurricane area, Population, is not enough to adjust rates to keep them in business.
Randy and Annie FMCA-371966
1996 Coachmen Destiny DP
300 Cummins CTA 8.3
6 spd Allison
Spartan Raised Rail Chassis
FROG 06 Wrangler Rubicon Unltd
Dollied 03 Toyota Corolla
|
arnko37
Port Charlotte FL
Senior Member
Joined: 08/25/2003
View Profile
|
I recently was notified by my insurer,Hartford, that I did not get the best rate because credit agencies could find no record of me. I have not owed anyone a dime for at least 15 years, never been late with a payment before that etc. Also I have several other quotes before I renewed and that shows up as credit checks which is also a negative. Oh well. I would like to pay the ins. bill with a smile but it takes money.
|
|
|
MasterBoondocker
nw lower Meeeechigan, TN and FL
Senior Member
Joined: 10/11/2003
View Profile
|
jerseyjim wrote:
There might be some truth to the "low score = bad credit = less sense of responsibility = worse driving record = higher rate" policy.
I do believe that THIS is true. But WHERE are all my good-driver REBATE checks for never EVER having an insurance claim ?
|
MasterBoondocker
nw lower Meeeechigan, TN and FL
Senior Member
Joined: 10/11/2003
View Profile
|
arnko37 wrote:I recently was notified by my insurer,Hartford, that I did not get the best rate because credit agencies could find no record of me. I have not owed anyone a dime for at least 15 years, never been late with a payment before that etc. Also I have several other quotes before I renewed and that shows up as credit checks which is also a negative. Oh well. I would like to pay the ins. bill with a smile but it takes money.
There IS some truth to this too.
Back in the early 90's ...I had a CC stolen and they ran up a BUNCH of charges. The CC company said NO problem but then they still billed me for some of the charges. I said stick-it .... and went OFF the "radar". No CC at all.
In 2001 ...I needed a CC. WOW ...what a bummer. The only way I could get a CC is to pay Capital One 65$ a year .... for a 250$ credit line. LOL
Yadi, yadi, yada .... I now have a total of a 40k$ credit line and have a MC that pays ME to use it during the year !
|
magicbus
LBI, NJ
Senior Member
Joined: 06/16/2002
View Profile
Offline
|
I really curious why anyone would pay cash for anything? I walk around with the same $100 in my pocket for a month before I need a refill. I put everything on the credit card and write one (online banking) check to pay it off at the end of the month. Making endless trips to the ATM or keeping a pile of cash laying around at home just seems silly to me - plus I get cash back on my credit card and have a great credit score. Seems like a win-win-win for me.
Dave
Life doesn't come with a safety fence around it... enjoy it anyway.
|
lbligh
USA
Senior Member
Joined: 01/08/2006
View Profile
Offline
|
magicbus wrote:I really curious why anyone would pay cash for anything? I walk around with the same $100 in my pocket for a month before I need a refill. I put everything on the credit card and write one (online banking) check to pay it off at the end of the month. Making endless trips to the ATM or keeping a pile of cash laying around at home just seems silly to me - plus I get cash back on my credit card and have a great credit score. Seems like a win-win-win for me.
Dave
AMEN! I agree 100%.
Safe travels.
L. Bligh
2006 Tradewinds - 40C
|
Great-Dane
Antioch, CA
Senior Member
Joined: 08/23/2004
View Profile
Offline
|
SCHARLEY wrote:"in California we are a CONSUMER oriented state."
LOL Oh, I'm glade you cleared that up for us. Now I understand why everybodies rates are higher in CA than they are for pretty must all the rest of us folks across the country.
Sorry Scharley, lmao.. I expect better from you!
Our auto rates are less than many states but not all or even half.
Also not what I mean about consumer oriented. We have the toughest laws on the books to protect consumers.. Our privacy laws alone do more than most...
I'd debate you all day on matter but wait your not an agent nor do you live in California. So your info is 2nd hand and if from friend or family then get your insurance through them, LOL.
Nice try big guy..
Understand were done on this topic! Give me a buzz when your licensed and living in Cal but not 2nd hand.
|
|
|
