Innsurance Preimum TRIPLED for one ticket.

One component you may not be considering is how much your policy was scheduled for increase without that ticket.

Fishinghat wrote:
Many things go into rating a policy holder besides citations and chargeable collisions. Your age, credit rating, principal address, and the record(s) of other drives in the household also count.

In Washington State, the state legislators passed a law the insurance companies could only consider the last 36 months history to underwrite your policy. So, being a policy holder in good standing for 20+ years doesn't mean squat anymore.

Age is 71, spouse 69. Credit rating 800+, CA resident, spouse has 0 tickets. CA might have a little to do with it as it always seems to be a little higher than other states. But given all the other criteria, I just can't believe a $4000 per year increase that is triple what I paid last year. Unbelievable!

Ron

Think of it this way:

Your insurance didn't go up $4,000 this year, you just aren't getting the $4,000 per year discount anymore... :)

Many things go into rating a policy holder besides citations and chargeable collisions. Your age, credit rating, principal address, and the record(s) of other drives in the household also count.

In Washington State, the state legislators passed a law the insurance companies could only consider the last 36 months history to underwrite your policy. So, being a policy holder in good standing for 20+ years doesn't mean squat anymore.

lanerd wrote:
While in Oregon last summer, I inadvertently got caught in a red light situation. Please keep in mind this is my first ticket in over 30 years.

I fully expected my insurance to increase somewhat, but for it triple, for an additional $4000 per year is just absolutely incredible!! :h This is just not right. I guess being a good driver all these years means absolutely nothing to Good Sam...not to mention my many years of membership in the club.

Obviously, I'm looking for another insurance provider.

Ron

How do you "inadvertently" get caught in a red light situation? Did you "inadvertently" run a red light and hit another vehicle "inadvertently" ?

One reason we have stuck with the same company for nearly 50 years. We have a history together and although they may not be the cheapest, they are reliable

Run, not walk to a new provider! In the process, sign yourself up for and complete an online defense driving course that is accepted by your issuing state of licensure. It'll knock 2 points off.

Here I was complaining when I got an increase of $316 for a ticket because I lost the other "conditions" of forgiveness by my insurance carrier because I bought a brand new truck after my truck was totaled in a hit and run - so vehicle wasn't continuously insured with them for the X threshold of years and I am no longer considered accident-free even though I had nothing to do with the accident...