I don't understand State Farm.

[justbob]

Here is my monthly billing for my cars minus the house.

Marauder with speed equipment $50.34
2005 Chrysler Town&Country $66.61
1997 Ford Escort $47.93

Now the Rauder is listed as recreational but that never dropped the rate anyways, plus my adjuster (for the last ten years) told me to install whatever I could dream up, just take pics. The mommyvan only sees 2000 miles a year because my wife only works 3 (very long) days a week four blocks from the house. The Escort is my DD and gets driven about 20 - 25000 miles a year. My question is, how in the world do they come up with these prices? Also the Rauder was listed as a GM for the first six months of ownership because they had trouble with one digit in the vin. Guess what happened when they got the vin staightened out? IT WENT DOWN! only about $7.00 bucks a month but still.
When I asked them about the Escort and why so dang high they simply said thats what popped up in their database for my region. Do we have any insurance agents here that could explain this in simple terms? This all just seems a little back asswards to me.:confused:

[Phrog_gunner]

I see a B.O.I.S.Y. in your future.....

[CBT]

I see a B.O.I.S.Y. in your future.....

Dry, at that.

[Phrog_gunner]

Dry, at that.

wtf??? :confused:

[justbob]

Dare I ask?

[CBT]

Everytime I'd renew the insurance on my '81 Z-28 they would ask if it was a Berlinetta version. I said no, I like women. What does it matter anyway? Oh they get stolen more, they said, so they cost more to insure. Good, I would say. Maybe your Escort is high on the stolen list??

[CBT]

Dare I ask?

Bend Over, I'll Show Ya.

[cvpiftw]

High chance of bodily injury in a collision is the reason why.

[Phrog_gunner]

Bend Over, I'll Show Ya.

SCORE....:beer:

[justbob]

I suppose there is many factors, but it doesn't seem right?

[justbob]

Everytime I'd renew the insurance on my '81 Z-28 they would ask if it was a Berlinetta version. I said no, I like women. What does it matter anyway? Oh they get stolen more, they said, so they cost more to insure. Good, I would say. Maybe your Escort is high on the stolen list??
Allright putz, I owned a Berlinetta! '79 thank you!

[CBT]

Allright putz, I owned a Berlinetta! '79 thank you!

Why does this not surprise me....
It's okay man, closets are for clothes, we accept you. :beer:

[MrBluGruv]

I'm only up for about $87 a month for full coverage insurance on my Marauder, and being a 20 year old guy I think it's fantastically cheap. I actually pay less for this car than I did my 2002 Galant.

I think fate's trying to tell me I'm on the right path. ;)

[CBT]

I'm only up for about $87 a month for full coverage insurance on my Marauder, and being a 20 year old guy I think it's fantastically cheap. I actually pay less for this car than I did my 2002 Galant.

I think fate's trying to tell me I'm on the right path. ;)

That's a damn good rate.

[Bradley G]

Yours is not to understand why......... You gunna' pay it,.. Right?:banned:

[justbob]

Also owned a '78 coupe (staight six, bare bones car), an '80 Z28, and an '81 Z28. Is this better?

[justbob]

Yours is not to understand why......... You gunna' pay it,.. Right?:banned:
Thats very true Brad, very true.

[CBT]

Also owned a '78 coupe (staight six, bare bones car), an '80 Z28, and an '81 Z28. Is this better?

Hmmmm.....maybe. What color was the 81?

[Bradley G]

I think the premium is high on the Escort based on use.
You drive a butt ton of miles:P

Thats very true Brad, very true.

[CBT]

I think the premium is high on the Escort based on use.
You drive a butt ton of miles:P

He has no butt.

[justbob]

It was a repaint, kinda the brilliant blue on the 05 stangs with factory silver stickers. Black int.

[justbob]

He has no butt.
Neither do you foo!

[Bradley G]

He drove it rite off
He has no butt.

[CBT]

It was a repaint, kinda the brilliant blue on the 05 stangs with factory silver stickers. Black int.

Mine was metalflake semi-dark blue with the different colored blue-ish greyish stripes. Great car, but it was actually falling apart when I sold it. So many stories with that thing!

[CBT]

He drove it rite off

That must be what happened to me and him. I don't know if we could even make one normal man-ass if we combined ours.:(

[Bradley G]

There is shrinkage going on..........:lol:
That must be what happened to me and him. I don't know if we could even make one normal man-ass if we combined ours.:(

[Spectragod]

Here is my monthly billing for my cars minus the house.

Marauder with speed equipment $50.34
2005 Chrysler Town&Country $66.61
1997 Ford Escort $47.93

Now the Rauder is listed as recreational but that never dropped the rate anyways, plus my adjuster (for the last ten years) told me to install whatever I could dream up, just take pics. The mommyvan only sees 2000 miles a year because my wife only works 3 (very long) days a week four blocks from the house. The Escort is my DD and gets driven about 20 - 25000 miles a year. My question is, how in the world do they come up with these prices? Also the Rauder was listed as a GM for the first six months of ownership because they had trouble with one digit in the vin. Guess what happened when they got the vin staightened out? IT WENT DOWN! only about $7.00 bucks a month but still.
When I asked them about the Escort and why so dang high they simply said thats what popped up in their database for my region. Do we have any insurance agents here that could explain this in simple terms? This all just seems a little back asswards to me.:confused:

SF bases rates on the amout of claims paid in the area of the insured vehicle. So, if you have a Marauder, and say that there are 10 in your local area, and no one has had a claim, guess what.... your rate goes down, because that model car in your local area has not had any claims.

Obviously, everyone around you must drive a minivan.

[sd8683]

He has no butt.


Neither do you foo!

Hahaha..... i think its hilarious how you are talking about each others asses! What did you bang each others butts off :dunno:

[Phrog_gunner]

So many stories with that thing!

I was in my camaro when I punched a woman in her FACE and knocked her straight on her a$$!!!!

[-Matt-]

I was in my camaro when I punched a woman in her FACE and knocked her straight on her a$$!!!!


Marines.... :shake:

[Phrog_gunner]

Marines.... :shake:


Actually that was back when the AF was paying me to go to college. :cool:

[CBT]

I was in my camaro when I punched a woman in her FACE and knocked her straight on her a$$!!!!

Why the face, couldn't get a clear shot at the babymaker?