Re: State Farm Insurance

[jtrealty@xxxx]

Car insurance rules vary State by State. Their is no rhyme or reason 
to it except to say each State can make it's own rules. Also the 
insurance companies vary their policies depending on their experience 
and loses. The only way someone can compare insurance is within their 
own State with another policy holder that has the same experience and 
took out a policy at the same time. I have Haggerty and I pay a little 
more than others who took out their policies years before me. Anyone 
geting a quote now from Haggerty will pay a little more than me. In 
some instances an insurance company will refuse new customers but will 
continue any policies currently in force. It is their way of forcing 
the State to allow them to raise the premiums if the State wants that 
carrier to stay in the State. In New Jersey many companies tried that 
and the State said they couldn't "pick and choose". Either they 
provided all types of coverage or none.
The best advice is to get quotes from as many companies as you can 
that offer in your state and pick the one that suits your needs best. 
Don't cheat either, if you try to use the car as a daily driver on 
limited collector coverage don't be upset if you find yourself with a 
loss that isn't covered! Carefully read the disclaimers and 
limitations especially regarding mileage, driver age, value, 
deductables, and allowed uses. Some companies require an appraisel and 
that can cost. Many just want some pictures so they know there really 
is a car and it isn't already a total wreak. 
Another good source of info is a local car club even if it isn't 
Deloreans. The members can give their experiences and recomendations. 
At any large car shows there are usually a couple of insurance 
companies with stands and they give quotes on the spot. Look in 
Hemmings Motor News as all of the big ones advertise in it. Your local 
insurance agent that you use for your house or business isn't a good 
place to go as this area of insurance is very specialized and since he 
will go where you will look he will get what you can find and add his 
margin onto it.
David Teitelbaum
vin 10757 


--- In dmcnews@xxxx, "marvin" <marv@xxxx> wrote:
> I recently requested State Farm quote on a condo in Florida. I was 
advised they are taking no new clients for car or property coverage. 
Strange corporate policy in my mind.
> 
> Marvin Stein
> #4239
> 
> tel: 519 - 434 - 1666
> fax: 519 - 434 - 7071
> email: marv@xxxx
> web: printeddrinkware.com
> Printed Drinkware Company
> 924 Dundas Street
> London, Ontario, Canada N5W 3A1
> 
> 
> [Non-text portions of this message have been removed]