Originally Posted by myclone

FWIW Im with Rockingham Mutual right now. I have 3 cars insured, home owners ins (replacement value), life insurance (yeah, Im worth more dead just dont tell the wife), married Sept of last year, 36yrs old as of March 05, last ticket I got was 76 in a 65 zone (I-81) around 1997, one accident where I tapped a jeep in the rear end which bent his bumper (~$250 claim) several years ago, credit beacon(sp?) of 780 last time I checked which was last summer, no bankruptcy/bad debt/etc (I pay my bills as required basically and dont have astronomical dept to income ratio).

I inquired with my agent how much my auto ins would drop since I got married and she informed me it will go up since I would be adding my wife which I informed her that I wasnt adding my wife to my policy as she has her own vehicles and carries her own ins. The agent said my auto rates will stay the same no matter if Im married or not in that case. Since my agent is pretty much a snotty, haggy, old battle axe the conversation ended there.

Ive entertained the thought of calling State Farm, Allstate, etc but my rates arent too awfully bad right now IMO considering the value of the vehicles I have, replacement value I have on the house and contents, etc so I really havent bothered with it much. Last I remember my auto ins alone is about 900 bucks a year for my dually, Syclone, and beater 4wd. That might be a decent rate or it might not but I can tell you its NEVER went down unless I got rid of a vehicle which would mean an obvious decrease IMO.

Originally Posted by fine_gxe

Ok, so you are older by a few months....but I thought you were like 23....lol! If you want to buy me a drink... I might be able to do that!

Originally Posted by ZeRo_c0oL@work

Understandable that you're sticking with them for routine, basically, but I really think you should shop around and see what other companies can offer you. Unless there's something you're not telling me, your rates should DEFINITELY be going down... It doesn't necessarily sound like you have ridiculous rates, but the fact in itself that your rates are going up continuously is what concerns me. Have you ever had a lapse in coverage? How long have you been with this company and was there any point in time where you were without insurance? A lapse can become very costly in the long run, but I have a feeling that's not even an issue in this case.

Find a better agent bro. My agent is a friend of my dads (I believe from military days) but he's a really cool guy that I really don't know very well, but would carry on a relaxed conversation with me where I don't feel uncomfortable shooting the shit with him. I think that's important. They get rich off of you, so they ought to treat you like you deserve to be treated.

Originally Posted by ZeRo_c0oL@work

You thought I was 23? Why is that, if I might ask? My outstanding level of maturity? ...or my boyish good looks? Hahahaha

Originally Posted by fine_gxe

Wow! you are crazy! i dont really think it was your "maturity level" or your "good" looks.... i just assumed!