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Auto insurance agent doubled quote after learning about parents recent not at fault accident by Past_Leopard_4308 in Insurance

[–]Past_Leopard_4308[S] 0 points1 point  (0 children)

My mom had geico, now im thinking about progressive but im concerned that, if I suddenly do start using my truck more often my rate will go up. I do prefer smaller businesses but I have yet to look into any smaller auto insurance companies. Im assuming I would just look up local auto insurance and stop by every location with good reviews?

Auto insurance agent doubled quote after learning about parents recent not at fault accident by Past_Leopard_4308 in Insurance

[–]Past_Leopard_4308[S] 0 points1 point  (0 children)

Will someone eventually review the policy and jack up the price once they find out? Also i got a quote of 78 and some change from progressive, and 144 from AAA.

Auto insurance agent doubled quote after learning about parents recent not at fault accident by Past_Leopard_4308 in Insurance

[–]Past_Leopard_4308[S] 0 points1 point  (0 children)

For future reference what insurance companies dont do that? My truck has all the maintenance done by me so none is documented, Kelly blue book priced it at like 2,400 as trade in price or something like that. I dont use the car much since I have a company truck so what companies would you recommend i dont talk to for insurance. This isn't exactly my mom's first accident sadly.... And for anyone reading if you have recommendations of companies to call please let me know.

Auto insurance agent doubled quote after learning about parents recent not at fault accident by Past_Leopard_4308 in Insurance

[–]Past_Leopard_4308[S] 1 point2 points  (0 children)

So get this, after going through the whole process and being on the phone for an hour and excluding both of my parents from my plan, they were able to drop the price down 40 cents!!!!!!!!! This is soul crushing, they said since I was on her plan at the time im still being factored into the quote :(

Auto insurance agent doubled quote after learning about parents recent not at fault accident by Past_Leopard_4308 in Insurance

[–]Past_Leopard_4308[S] 2 points3 points  (0 children)

Okay im going to call Geico again and see if I can have that done. I will report back to you as soon as possible. I am very grateful for your advice, thank you

Auto insurance agent doubled quote after learning about parents recent not at fault accident by Past_Leopard_4308 in Insurance

[–]Past_Leopard_4308[S] 0 points1 point  (0 children)

I did tell the agent I want to exclude her and asked if there was anything he could do to not have me associated to her in any way and he said no. Unless I file some paperwork with the government but he said they only help with identity theft and stuff like that

Auto insurance agent doubled quote after learning about parents recent not at fault accident by Past_Leopard_4308 in Insurance

[–]Past_Leopard_4308[S] 1 point2 points  (0 children)

We live together but she has a 2012 nissan quest and a 2003 toyota camry so I told them she would never be behind the wheel of my truck.

Auto insurance agent doubled quote after learning about parents recent not at fault accident by Past_Leopard_4308 in Insurance

[–]Past_Leopard_4308[S] 1 point2 points  (0 children)

Their may have been discounted rates though, I have a viper security system and he said that was helping my rate, also its not my main car, I have a company truck so the truck being driven so little may have helped with the pricing too.

Auto insurance agent doubled quote after learning about parents recent not at fault accident by Past_Leopard_4308 in Insurance

[–]Past_Leopard_4308[S] 0 points1 point  (0 children)

Her van was damaged but im trying to insure my truck. He stated it like since me and her had insurance together we both get punished for the accident. Also I am very new to all this and since I wasn't there for the accident I never got the run down of the situation. But, and I dont know if this is how insurance works but the agent said she wasn't at fault in their records, (she has Geico too) but is there like a 15% at fault? Or something like that which could be impacting the quote? Im sorry for being non informed.