Jump to content


Photo
- - - - -

Allstate... good hands?... not so much...


  • Please log in to reply
31 replies to this topic

#1 Bronn

Bronn

    Sellsword

  • HUDDLER
  • PipPipPipPipPipPipPipPipPip
  • 5,026 posts

Posted 10 December 2012 - 10:18 PM

Anyone have experience with/work for in the past/etc. Allstate insurance company?

We're paying like $300 a month just in car insurance from an accident my wife had a year and a half ago...

She's currently driving a 08 Ford Fusion, and the other car on the policy which isn't driven as much is my 07 Chevy Avalanche...

We got a quote to add both vehicles to our Nationwide policy (currently our home and our RV) and it comes out to about $150 a month...

Before we got the quote, we stopped by Allstate to get our policy printed out (accidentally left the house without it) and the lady at the office asked why... We told her we were shopping around, and that we were considering cancelling and taking our business elsewhere. She then told us that we'd have to pay a cancellation fee, which she couldn't tell us at the time what it would be (maybe it depends on some formula?)...

I've never seen this in a written form in our policy, and I've never been told this can/will happen.

WTF?

I'm tempted to call them and cancel, and tell them to eat it when they ask for fees or wtf ever else...

#2 Floppin

Floppin

    Smooches

  • HUDDLER
  • PipPipPipPipPipPipPipPipPip
  • 12,733 posts
  • LocationShallotte, NC

Posted 10 December 2012 - 10:21 PM

Anyone have experience with/work for in the past/etc. Allstate insurance company?

We're paying like $300 a month just in car insurance from an accident my wife had a year and a half ago...

She's currently driving a 08 Ford Fusion, and the other car on the policy which isn't driven as much is my 07 Chevy Avalanche...

We got a quote to add both vehicles to our Nationwide policy (currently our home and our RV) and it comes out to about $150 a month...

Before we got the quote, we stopped by Allstate to get our policy printed out (accidentally left the house without it) and the lady at the office asked why... We told her we were shopping around, and that we were considering cancelling and taking our business elsewhere. She then told us that we'd have to pay a cancellation fee, which she couldn't tell us at the time what it would be (maybe it depends on some formula?)...

I've never seen this in a written form in our policy, and I've never been told this can/will happen.

WTF?

I'm tempted to call them and cancel, and tell them to eat it when they ask for fees or wtf ever else...


Cancelation fee? What the fug is that? Just don't pay that premium, they'll cancel that poo for free pretty quickly. Hah!

#3 Bronn

Bronn

    Sellsword

  • HUDDLER
  • PipPipPipPipPipPipPipPipPip
  • 5,026 posts

Posted 10 December 2012 - 10:24 PM

Part of the problem, I think, is that we re-upped in November... soooo if they try to pro-rate that poo for the next 6 months they can suck on these balls...

#4 Doyle

Doyle

    Headed to the county line

  • HUDDLER
  • PipPipPipPipPipPipPipPipPip
  • 6,232 posts
  • LocationRichardson's toilet

Posted 10 December 2012 - 10:25 PM

floppin is right. just stop paying.

#5 Bronn

Bronn

    Sellsword

  • HUDDLER
  • PipPipPipPipPipPipPipPipPip
  • 5,026 posts

Posted 10 December 2012 - 10:29 PM

Won't that put a nick on my pristine credit rating though?

I'm afraid my 819 will drop to 809... lol

#6 Jase

Jase

    Kuechold Fantasies

  • Administrators
  • 17,484 posts
  • LocationMatthews, NC

Posted 10 December 2012 - 10:31 PM

Wifey works on the property side.

Keep paying that premium. My wife's pension depends on you.

#7 Floppin

Floppin

    Smooches

  • HUDDLER
  • PipPipPipPipPipPipPipPipPip
  • 12,733 posts
  • LocationShallotte, NC

Posted 10 December 2012 - 10:32 PM

Won't that put a nick on my pristine credit rating though?

I'm afraid my 819 will drop to 809... lol


To my knowledge, not paying your insurance premium and subsequently letting it cancel doesn't hurt your credit rating. It's not a credit thing in any way. You pay your premiums up front each month, so when you fail to pay one for a month they just cancel the policy. They will calculate the earned premium and if you owe money for time covered they will bill you. If you don't pay that last bill then, yes that will hurt your credit. But just allowing your insurance to cancel by virtue of not paying your monthly premium? Nope.

#8 Jackofalltrades

Jackofalltrades

    OWN the Line of Scrimmage

  • ALL-PRO
  • 18,001 posts
  • LocationNC

Posted 11 December 2012 - 02:53 AM

I used to work for Allstate in the call center in Charlotte.

1. There is no cancellation fee, it's a scare tactic independent agents use to keep their residuals coming in.

2. Do NOT cancel your policy until you have another policy in place- a lapse in coverage could drastically increase your premium with other companies on top of the legal ramifications.

3. While most big companies check your credit they don't report to the bureaus unless you go to collections.

4. Because of the accident you are now "high risk" drivers, so they raise your premium to force you to go elsewhere. The agents hate it, but they're not the ones paying out claims either.

Give Progressive a call, I was always most impressed with them. Allstate, like most companies, is good as long as you fit the book of business they're trying to build at that particular time.

#9 car5nc

car5nc

    Senior Member

  • HUDDLER
  • PipPipPipPip
  • 258 posts

Posted 11 December 2012 - 10:44 AM

While there is no cancellation fee, If you paid your premium in full for the term you may get shorted on your refund if you switch companies. NC uses a pro-rated formula on policies that terminate before policy period does. Depending how far into the policy period you are will make a difference in your refund. If you are paying month to month, don't worry about it.

#10 Panthro

Panthro

    aka Pablo

  • Moderators
  • 24,327 posts

Posted 11 December 2012 - 10:47 AM

I like Geico

#11 Mrs Pantherfan

Mrs Pantherfan

    Lusting on Zod

  • HUDDLER
  • PipPipPipPipPipPipPipPipPip
  • 4,793 posts

Posted 11 December 2012 - 10:54 AM

I use Travelers for my home and auto coverage...and I've been happy with them..Don't go with Liberty Mutual whatever you do! They tried to make me pay cancellation fees too...fuging assholes

#12 Floppin

Floppin

    Smooches

  • HUDDLER
  • PipPipPipPipPipPipPipPipPip
  • 12,733 posts
  • LocationShallotte, NC

Posted 11 December 2012 - 11:15 AM

I was with Nationwide for years, I'm with GMAC these days because my mother-in-law is my agent.

I will say this for GMAC - My recent accident, if you remember, the woman who was at fault had a canceled insurance policy so I've had to file all the damages through my own insurance under my uninsured drivers coverage.

GMAC gave me a check for my car that was 1100 more than I payed for the thing over a year ago, they are also compensating me more than fairly on my injury settlement and lost wages.

#13 Jackofalltrades

Jackofalltrades

    OWN the Line of Scrimmage

  • ALL-PRO
  • 18,001 posts
  • LocationNC

Posted 11 December 2012 - 07:28 PM

I wouldn't let Geico pay me to be a customer, we got more complaints about them than any other company by far.



#14 DeAngelo's #1 Fan(CRA)

DeAngelo's #1 Fan(CRA)

    Senior Member

  • Moderators
  • 26,275 posts

Posted 11 December 2012 - 08:17 PM

Go to an indepedant agent....they represent tons of insurance carriers and can place you with the company that fits you best. They aren't forced just to push one product like when you walk in All State......

#15 TheAmericanDream

TheAmericanDream

    MEMBER

  • HUDDLER
  • PipPipPipPip
  • 626 posts
  • LocationTriad

Posted 11 December 2012 - 09:05 PM

Discount double check.
State Farm here and love it


0 user(s) are reading this topic

0 members, 0 guests, 0 anonymous users

Shop at Amazon Contact Us: info@carolinahuddle.com