Age considerations when switching insurance companies

[Flamingo13]

My annual premium is the same exact amount as it was for last year (same car).

[adjusterjack]

Originally Posted by Teacher Terry

I did read that car insurance starts to rise at 65. This year I was 69 and my car insurance went up 30% with no claims. I shopped around but everyone was higher.

Everybody's rates have been going up, Up, UP, for the past couple of years.

Lots of factors, but mostly about the amount of money that insurance companies pay out in claims.

At 65 you are no more at risk of an accident than you were at 64.

Originally Posted by North Beach Person

The only glitch, if you will, was the summer I went through three windshields on my truck (two stone hits and a tree branch). I got a letter from the main office that my deductible for Comprehensive was increasing from $100 to $250.

Nothing new about that. Glass claims have been an issue as far back as I can remember and I've been in the business since the 70s. In the late 80s I had multiple glass claims on my 85 Chevy and lost my glass coverage for a few years.

A major problem is the glass companies that offer to save you your deductible or give you cash back. The way they do that is they bill the insurance company $700 for a windshield that can be bought and installed for $300. The insurance buying consumer ultimately pays for that.

[selhars]

^ Well that's not the way to do things

Maybe body shops are different.
But I thought insurance companies were supposed to be getting better prices than we'd get on our own to get our cars fixed. We pay the deductible the insurance company and shop workout the price.

But I guess even if the shop jacks the price up for the insurance company, the insured is still getting the car fixed for the cost of his/her premium -- and the increase that may follow. So it still may be a good deal for the driver.

Is it a racket with pay-backs and inside deals -- sorry --negotiated agreements? I don't know. Maybe it's just business.

[adjusterjack]

I just got a flyer in the mail the other day from a glass company offering $100. You can bet that it's not coming out of the owner's bank account.