Car Insurance Tip


So I bought a car… Ok nothing new in that… I do it often

But I needed to insure it so I called the mob I am with (GIO) and their first quote to me was $1600.00. Really?…

I’m not 17, I haven’t been in jail… I have had one at fault claim in the last 5 years… Even though I paid for a no claim bonus protection it only applies to the ‘current’ policy, so if I take a ‘new policy’ I lose that advantage. That said if I switched the Cruiser policy to the Colorado it was still $1100.00 which seems like a lot.

A quick ‘compare the market’ check showed $900.00 as about average, which still seemed a bit high to me.

I went back to Progressive Online who we have our other car with and they came up with $825.00 so I bought it. Suddenly it seemed cheap!


Then I got to pick the car up early and I needed to move the policy start date forward by one day. How hard can that be?

With Progressive you can’t talk to a real live human so I had to do the email thing.

Eventually my advice was to cancel the new policy and ‘add’ the new car to the existing policy. I didn’t know you could do that and I anticipated a nutso service charge (skeptic that I am).

Because we needed it sorted asap I nearly baled on them altogether, but just in time I found the necessary info, got the emails sorted and discovered that by ‘adding’ it to my other policy the premium was now $383.00

The policy is the same as GIO’s, but you just can’t speak to a human. I think I’m willing to take the gamble for the saving.

As for you ‘YOUI’… after 30 minutes on the phone of never ending questions… $1800 was never going to be considered a fair price. And you even sent me the quote via email just in case I changed my mind.

Possibly not…

So – I learnt something there and it might be useful to someone else. I suggested Progressive may want to let us in on the idea of ‘adding’ a car as cheaper as I instantly saved over $400 as a result.

So that’ll pay for some new car accessories!

5 thoughts on “Car Insurance Tip

  1. I checked with YOUI a couple of years back when I bought a car. Not only was their quote higher than most, they had some guy call me who was a very aggressive sales person who scoffed at the idea that I could get a better deal. He seemed very angry that I wouldn’t sign up.

  2. Hamo – just make sure that you are companies apples with apples when it comes time to claim. Insurance is always a ‘grudge’ purchased and granted established insurance companies need to do much better (especially for long term loyal customers) – but all policies are not equal when it comes to claims and service. Some even make it difficult when you need the service most.

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