MACS
  • MACS
  • Herf-A-Holic Topic Starter
Friday, May 6, 2016 3:09:55 PM
I've seen a lot of these stupid commercials, and wonder if people actually fall for their sh*t.

"Accident forgiveness" and "new care replacement"... so you pay extra for these up front, and if you do get in an accident, they don't raise your rates because they already did. Or you get enough money for a car "one year newer" (Not brand new, unless your car is a year old or less) because you're paying for it up front.

Who actually buys into their smoke and mirror BS?

cacman
Friday, May 6, 2016 3:34:53 PM
It's like those that are happy they got a tax-refund, isn't it?

People provide an interest-free loan, and then are giddy as a schoolgirl when they get their money back.

#-o

Obviously a lot of people "buy into it" because they don't "save".

teedubbya
Friday, May 6, 2016 3:44:37 PM
I don't think it's smoke and mirror. It's just a matter of how much risk are you comfortable with and how much do you want to pay to mitigate it. They charge for it but there still is a benefit. Whether the benefit is worth it or necessary is personal preference to an extent.
DrafterX
Friday, May 6, 2016 3:49:39 PM
only one way to test it I guess... 😟
Speyside
Friday, May 6, 2016 4:30:27 PM
I find their commercials insulting.
Bur
  • Bur
  • Herf-A-Holic
Friday, May 6, 2016 5:00:21 PM
I'm gonna let them compete with USAA and Geico come July when it's time to renew.

Tired of USAA having a re-insurance plan and co-branding motorcycle insurance in most states with Progressive and not being very open about that. Progressive's now dead founder helped start up and fund MoveOn.org and other lefty causes, which doesn't jive with many if not most USAA Member-Owners. So other than a 30 year term policy that is too expensive to replace (because of this forum's main hobby in my case) I won't be a client for anything else "for life".

Gene363
Friday, May 6, 2016 5:02:24 PM
Insurance company, nothing else you need to know.
MACS
  • MACS
  • Herf-A-Holic Topic Starter
Friday, May 6, 2016 5:17:45 PM

I find their commercials insulting.

Speyside wrote:

That was my point... it's like they think you're not going to think about what they're saying. I guess a lot of people do not.

Insurance company, nothing else you need to know.

Gene363 wrote:

Valid point...

Speyside
Friday, May 6, 2016 5:58:47 PM
MACA, you are probably right.
Mr. Jones
Friday, May 6, 2016 6:22:17 PM
I like the CUTE & Sassie "Sayyyyy Whattttt" BLACK CHICK80's REALLY NICE HANGING

36C Cup RACK w/ prime nipple placement under

Her jogging sweats in front of the Statue of Liberty

Setting on the waterfront....in those Liberty Mutual

Commercials...

I'd bend her over in a heart beat and give her

My "INCREASED PREMIUM" till she screamed...

Mr. Jones
Friday, May 6, 2016 6:26:06 PM
CHICK80's= CHICK's

On my POS

LG spell check phone...

MACS
  • MACS
  • Herf-A-Holic Topic Starter
Friday, May 6, 2016 6:43:34 PM
#10 - I'm not ashamed to admit I thought the same thing... but it does frighten me a little.
rfenst
Friday, May 6, 2016 7:16:20 PM

I don't think it's smoke and mirror. It's just a matter of how much risk are you comfortable with and how much do you want to pay to mitigate it. They charge for it but there still is a benefit. Whether the benefit is worth it or necessary is personal preference to an extent.

teedubbya wrote:

I agree.

MACS
  • MACS
  • Herf-A-Holic Topic Starter
Friday, May 6, 2016 7:27:27 PM

I agree.

rfenst wrote:

For you and TW...

So let me see if I got this right. In order to NOT get your rates raised IF you have an accident, you'll allow them to raise your rates BEFORE you have one? Because that's what they're doing...

Brilliant. [sarcasm]

teedubbya
Friday, May 6, 2016 8:16:24 PM
it like leading VS buying. If you say one is always better than the other then there's not much to talk about. I always buy but it's not always the best route mathematically. Meh. You don't like it. There can be situations where it makes sense.
teedubbya
Friday, May 6, 2016 8:17:13 PM
Just because you don't think it makes sense to wear a thong doesn't mean 8track shouldn't.
teedubbya
Friday, May 6, 2016 8:17:33 PM
Can't edit. Leasing.
teedubbya
Friday, May 6, 2016 8:20:37 PM
Some folks can not tolerate variation in their budget at all. It may be worth it for them to insure against it up front *shrug* I'd never do it but it's not really a scam .... Good marketing maybe.
8trackdisco
Friday, May 6, 2016 8:21:36 PM
I know someone in the p&c industry.

USAA continues to be the platinum standard.

Everybody else chasing them.

8trackdisco
Friday, May 6, 2016 8:23:33 PM

Can't edit. Leasing.

teedubbya wrote:

I buy my cars. I lease the thong.

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