Answers
I have a weird question. I'd thought I'd ask you guys first. Here goes: My SUV got broken into. The steering column was damaged. My insurance, 21st century, had a tow truck take it to a shop. It was fixed.......TWO WEEKS LATER! I have full coverage, but my policy doesn't cover rentals. Well anyways my question is: Will my
insurance pay for HALF my car payment since it took two weeks for it to get fixed? I know it sounds dumb, but I had to ask. Thanks.
No they won't. If something like this ever happens again you can ask the vehicle repair shop if they have a loaner car that you can use while yours is being repaired. I've used loaners before and they are free if the repair shop has them. You should also really add car rental insurance to your policy. I have it and it really only costs a few dollars a month, about $5.00.
Good Luck!
21st Century really can save you more money on car insurance.
I want to know what this means . They claim the drivers on this list can still drive my car , if they have their own car insurance on theirs cars . Is this correct
Yeah I'm pretty sure your premium includes cost for their driving record as well. You should call your ins co and tell them you live alone - Try it I bet your rate goes down. Even if they have their own car, they live with you and have access to your car. Your paying for that! The company says 'not rated' to make you think they haven't included your rommates as part of your bad risk increasing your premium
If you give someone permission to drive your car (not on a daily basis) and they wreck then your ins will cover that BUT if they live with you and wreck your car and you didn't have them listed as living in your household that gives the company a reason to not pay for the accident. If you do remove them and they were to wreck be sure they give a different home address from yours.
Take a look at your billing statement. It should have an on-line website link for you to use. Mine does.
I was looking into updating my homeowner's insurance at Farmers because I just added a room to my house. My insurance agent said my premiums would go up about $150, but if I switched my car insurance over from 21st Century to Farmers I would get a significant discount, such that my homeowners premium would be reduced by $200, effectively saving $350 per year. On top of that, if I raised the deductible on my collision to $1000 I could save an additional $150, making a total savings of $500 per year. I sent my agent all the details of my current profile with 21st Century, and she said the costs were pretty much identical.
I'm wondering what possible implications there are in switching from 21st to Farmers? What else do I need to think about besides the financial savings? I've read good and bad regarding both companies (actually I've had pretty decent experiences with 21st). I'm in my 40s and I'm a careful driver, my driving record is clean, so I'm definitely not high-risk. Thanks!
Most insurance companies offer a multi-line discount for insuring both home and autos with them. It helps them keep your business because it's a hassle to move everything. Be sure you're getting the same coverages with both companies--I'd hate to have you comparing apples to lemons. Sometimes shady agents quote you a higher deductible or lower liability limits just to get your business and you don't notice the lower coverages until you need them (file a claim). Make sure Farmers isn't offering you a "new business discount". What that means is after 6-12 months they'll remove that discount and increase your rates. Also, make sure your quote from Farmers is accurate and that it will be your rate. The old "bait and switch" technique. Another thing to look at is how available is this Farmers agent? Do they have a local office? How about if you have an emergency at 2:00 a.m. - who will be there and how do you contact them?
Just be careful - with discount premiums can come discount service. Buyer beware!
But, if the agent is available when you need him/her, they have excellent claim handling, the coverages are the same and there are no hidden charges, then go and save money.
Good luck.
.... he didn't get away with it though, after the investigator/adjustor inspected his car they denied his claim. The adjuster stated that the car could not have been damaged the way it is if the accident happened as he reported it (car was parked and another car did a hit and run). So he didn't get any money, just a letter stating the claim is "denied".
The problem now is that the auto body repair shop where the car was at KNOWS what he did and he feels the shop owner "most likely" will inform 21st century. The car was actually inside the shop when this accident "supposedly" occured.
What would the consequences be if 21st century finds out??? Can they press charges against my friend even though he didn't collect any money??
Even though no money exchanged in CA yes he could get busted for fraud. The shop too. Why wasn't your friend honest with them to start with?
Farmers to Ax 554 Workers From 21st Century
By Anonymous
WOODLAND HILLS - California's largest auto insurer, Farmers Insurance Group, says it plans to slash jobs at the offices of its newly acquired 21st Century Insurance unit in Woodland Hills, it was reported today.
Los Angeles-based Farmers told employees that it would cut 554 jobs by the end of this year and that the total would reach 750 by the end of 2010, according to an article on the Los Angeles Times Web site.
The Woodland Hills complex, which had been 21st Century's headquarters until last November, currently has 979 employees, Farmers said, according to The Times.
Farmers completed its purchase of 21st Century from troubled insurance giant American International Group Inc. on July 1.
...Car Insurance?
I am planning to buy a used 1992 Honda Prelude for ,700.00. How does the insurance work? Does the price of the car that I paid or the retail price, plays as a factor of how much I would have to pay monthly for insurance. What insurance company would be the best for a new driver with his G2 merely? Does anybody have an idea of how much it may price me (approximately monthly) for the insurance? What other fees or price may I have to pay for?
In another question of yours, I answered that you should look arund for a better purchase.As this car has too much mileage and asking too much for the car.Insurance on a used car is not based on purchase amount.Mainly upon what kind of car, how much safety factors like seatbelts,does it have anti-lock brakes, airbags? and the amount of experience you have as a driver, your age, what you are using the car for.So as you see, you will get a suggested price for ins.But it too will change even after you sign up with them.Some ins companies even charge a fee for you not having insurance prior to you getting some.Amounts will also be as to what kind of coverage will you have.Just Liability?Colision?Theft?Vandalism? So you want to shop around for insurance just like you are doing for a car.Do not shop online though.Your best bet is with a local agent.
...News
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