Just told my ins. co. I have a garage now instead of a carport. Wonder if I'll get any break on my

Bill In SoCal · 04-17-2003, 10:53 AM

rates? Dude was out sick..i had to leave a message otherwise I'd know.

BCD · 04-17-2003, 10:54 AM

ToddM · 04-17-2003, 10:56 AM

Brett G (old) · 04-17-2003, 10:57 AM

Should only apply to Comprehansive or Other-Than-Collision coverage since a garage theoretically only helps deter theft and vandalism which is covered under one of those coverages.

Brett G (old) · 04-17-2003, 10:59 AM

Not every company has the same discounts available. Some discoutns sound good on paper, but aren't actuarially sound. ABS is one of them, but many insurers offer the discount.

Also depends on the state. Some states don't allow discounts that are alloed in other states.

NexxTT · 04-17-2003, 11:17 AM

BCD · 04-17-2003, 11:23 AM

http://finance.americanexpress.com/s...1,14962,00.asp

lsr78 · 04-17-2003, 11:38 AM

They just base rates on ZIP.

Bill In SoCal · 04-17-2003, 11:42 AM

Brett G (old) · 04-17-2003, 12:02 PM

Age of driver, vehicle (make, model, model year), use of vehicle, driving record, coverages & deductibles, credit score (don't know if this applies to CA), and more.

04-17-2003, 10:53 AM	#1
Bill In SoCal Member Account #: 12026 Join Date: Nov 2000 Posts: 39,014	Just told my ins. co. I have a garage now instead of a carport. Wonder if I'll get any break on my rates? Dude was out sick..i had to leave a message otherwise I'd know. __________________

04-17-2003, 10:54 AM	#2
BCD Member Account #: 9743 Join Date: Sep 2000 Posts: 13,961	I get a "garage kept" discount on both cars w/ AmEx. __________________

04-17-2003, 10:56 AM	#3
ToddM Junior Member Account #: 1423 Join Date: Mar 2000 Posts: 535	Really, I have my car in a locked garage with security camera's everyone and I dont' get CRAP!

04-17-2003, 10:57 AM	#4
Brett G (old) Elder Member Account #: 9267 Join Date: Aug 2000 Posts: 15,316	Depends on their discounts and such. Should only apply to Comprehansive or Other-Than-Collision coverage since a garage theoretically only helps deter theft and vandalism which is covered under one of those coverages.

04-17-2003, 10:59 AM	#5
Brett G (old) Elder Member Account #: 9267 Join Date: Aug 2000 Posts: 15,316	Depends on their discounts and such. Not every company has the same discounts available. Some discoutns sound good on paper, but aren't actuarially sound. ABS is one of them, but many insurers offer the discount. Also depends on the state. Some states don't allow discounts that are alloed in other states.

04-17-2003, 11:17 AM	#6
NexxTT Senior Member Account #: 5882 Join Date: May 2000 Posts: 6,180	Amex does car insurance now? Link? __________________ 2000 TT180Cfwd - all options, including the analog phone, sans service 2002 A6/2.7Tq - 6-spd, Fast Silver, Sport Tuning, Luxury, Convenience, Bose and Xenons

04-17-2003, 11:23 AM	#7
BCD Member Account #: 9743 Join Date: Sep 2000 Posts: 13,961	AmEx Property/Casualty http://finance.americanexpress.com/s...1,14962,00.asp __________________

04-17-2003, 11:38 AM	#8
lsr78 Member Account #: 44994 Join Date: Oct 2002 Posts: 4,194	If it is with Progressive then no. They just base rates on ZIP. __________________

04-17-2003, 11:42 AM	#9
Bill In SoCal Member Account #: 12026 Join Date: Nov 2000 Posts: 39,014	Mercury __________________

04-17-2003, 12:02 PM	#10
Brett G (old) Elder Member Account #: 9267 Join Date: Aug 2000 Posts: 15,316	Don't know about in CA, but it's much more than just ZIP Code Age of driver, vehicle (make, model, model year), use of vehicle, driving record, coverages & deductibles, credit score (don't know if this applies to CA), and more.

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