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16 December 2010 @ 01:11 pm
Insurance Nightmare  
For the last four months I've been in the midst of an irritating hassle with car insurance. It started in September, when I went to go make my monthly payment online as usual. The website wouldn't allow me to do so however, and after calling up I found out that my policy had been terminated! Apparently the agency I went through decided to stop dealing with the insurance company. They said they sent me notice of this, but I didn't receive anything.

So, I looked up a local agency in Celebration, called them up and said to get me a policy with the same insurance company, Encompass. They ran a few quotes and found one with GMAC that was $20 a month cheaper, so I said sure, go for it. All was good until November when my first payment was actually due, and I received a bill schedule. According to it, my premium had more than doubled to over $2200 a year and my payments were over 200 a month instead of 80!!!

Naturally I called the agency to ask WTF and they said they would look into it. After a week with no answers, I called GMAC themselves and they said they never got proof of prior insurance, so upped my premium. I contacted Encompass, got my old documents, sent them to GMAC and they said they'd adjust it back down. All is good, right?

Wrong! I get all my new paperwork in the mail, and my insurance premium is STILL $300 a year higher than they originally quoted me. So, I contact the agency again. No response after a week, I call back and find out my agent is getting married/on a honeymoon. So someone else takes over my problem and says they will call me back in a few days. Its now been over a week since then, and I just got an email that says my insurance limits were higher than what was quoted originally so they had to up the premium. WTF!?!?! You guys are the ones that gave me that quote that lured me into switching in the first place!

I'm sorely disappointed in both the local agency's handling of my policy and customer skills and in GMAC's services. Time to switch to Geico?
eagle_beagle on December 16th, 2010 11:46 pm (UTC)
only go geico if its significantly cheeper for you. i was with them for almost 6 years, and they wanted $80 for my new mini. when progressive gave me $250 less that geico... so yeah check progro first
svxkitty on December 17th, 2010 12:25 am (UTC)
I use Unitrin Direct, they've treated me pretty well and are cheaper than the Gecko for me.

sibir_lupus on December 17th, 2010 02:20 am (UTC)
Damn, they did end up screwing you :(. Progressive and Geico are both good calls depending on which is cheaper and giving you the exact coverage you need. Like TonyRingTail said, avoid an agency or any other middle man at all costs. They are focused on making a profit on your purchase, not on getting you the best possible price. Car insurance is not complicated enough to need a 3rd party agent to help you purchase one. Well maybe for some it is but you are more than capable of doing it on your own. Good luck my furiend! :)
guitar_stitch on December 20th, 2010 12:50 pm (UTC)
Geico is usually no-go. Very expensive. I've had great success with Allstate. Even with their premium package and such, I am paying about 40% of what I was with Progressive.
ntshadow on January 10th, 2011 07:25 pm (UTC)
You have my sympathies man. I dislike agents as well. I was with Amica, through an agent, and didn't understand the difference until the ass switched from Amica to some local Firefighters insurance without giving any warning. I dropped him and went directly to USAA.
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