F 21st insurance - NJFBOA - Home of New Jersey's Camaros and Firebirds

bubba428 · 07-25-2009, 10:49 AM

I've had car insurance with 21st for the last 4 years. I just got my current bill and from that little <$500 fender bender. my insurance went from 1500 a year to 1600 6 month. how can they do that? even scam artist geico is $1000 cheaper and progressive is even lower than that. wth?

baddest434 · 07-25-2009, 11:02 AM

then why not go with progressive? did you make a claim for a 500 fender bender?

Blacdout96 · 07-25-2009, 12:21 PM

I just got my insurance bill. my record is clean, and yet they just jacked it up 70 dollars more every three months....why? So im dropping their asses since I found two companies that are 400 less then what I was paying a year for me.

BurninrubberGT · 07-25-2009, 12:25 PM

that sucks man..complete bs

sweetbmxrider · 07-25-2009, 12:48 PM

sucks dude. shouldn't have made the claim if that drove it up. lotta guys on here always say to ask before you claim and see how it will affect your rate.

bubba428 · 07-25-2009, 02:49 PM

Quote:

Originally Posted by baddest434

then why not go with progressive? did you make a claim for a 500 fender bender?

had to...i hit a rental car and there was a police report filed...along with that the rental agency filed a claim and my insurance called me about it

1QWIKBIRD · 07-25-2009, 03:41 PM

New Jersey Manufacturer's Insurance Co............FTMFW!

Act like a responsible adult and they will treat you like one, even if you make a small booboo.

Chris

baddest434 · 07-25-2009, 04:07 PM

Quote:

Originally Posted by bubba428

had to...i hit a rental car and there was a police report filed...along with that the rental agency filed a claim and my insurance called me about it

thats sux bubba..because of the claim your insurance went up. just bad luck it was a rental car!!

Quote:

Originally Posted by 1QWIKBIRD

New Jersey Manufacturer's Insurance Co............FTMFW!
.

Chris

x2 on NJM

jims69camaro · 07-25-2009, 05:52 PM

i find fault with all of the major insurers, including the one we use to insure my wife's car, and here's why: how is it that they can all claim to be $350 cheaper than the next one, if they are all offering the same product? say i get a price of $521 from geico, then i call allstate and they can beat that by $350? nfw.

now, if a company jacks the rate up x% because of a claim, then what they are really trying to do is get rid of you. they can't drop any more, or so i think, because the insurance laws have changed. so they jack the rate up and you not being able to afford the new rate go shopping for a new company and they get what they wanted - for you to be with another company. now, i don't get this. if you were accident prone or something, and had several claims in one year, then i could see a pattern and could possibly agree with them. insurance is supposed to be there when you need it, not gone the second after you file a claim.

Saitin · 07-25-2009, 06:16 PM

insurance is nothing but a legalised scam now days.

1QWIKBIRD · 07-25-2009, 07:34 PM

Quote:

Originally Posted by jims69camaro

.......now, if a company jacks the rate up x% because of a claim, then what they are really trying to do is get rid of you. they can't drop any more, or so i think, because the insurance laws have changed. so they jack the rate up and you not being able to afford the new rate go shopping for a new company and they get what they wanted - for you to be with another company. now, i don't get this. if you were accident prone or something, and had several claims in one year, then i could see a pattern and could possibly agree with them. insurance is supposed to be there when you need it, not gone the second after you file a claim.

That's the beauty of NJM Ins. Co. They don't take everyone who fills out an application, nor do they offer super outrageous savings. What they do offer is the ability to be there when you need them and not jacking your rates so you'll leave after a claim. As far as auto/home insurance goes they are the class of the field, even if the field is filled with scum bags and scam artists.

Quote:

Originally Posted by Saitin

insurance is nothing but a legalised scam now days.

Pretty much. I mean what's the point of paying out oodles of cash for a policy only to then pay for an accident out of pocket because you are afraid of a rate hike?? Kinda defeats the purpose of insurance in all but the catastrophic situations?

btownws6 · 07-26-2009, 09:26 AM

i have allstate and they have always been good to me and yes the can still drop you but they have to wait till ur policy runs out and then they don't let you renew they tried with me b/c of points but i fixed that **** but my ins will make all of you cry b/c i pay 717.00 a MONTH for full coverage on 2 cars, 2 accidents, 10 points, and i'm under 25 i hate it but i gotta drive to work so i'm beat

BonzoHansen · 07-26-2009, 10:03 AM

Quote:

Originally Posted by btownws6

i have allstate and they have always been good to me and yes the can still drop you but they have to wait till ur policy runs out and then they don't let you renew they tried with me b/c of points but i fixed that **** but my ins will make all of you cry b/c i pay 717.00 a MONTH for full coverage on 2 cars, 2 accidents, 10 points, and i'm under 25 i hate it but i gotta drive to work so i'm beat

You best learn to lay off the go-fast pedal. You pay $8604 a year to drive? Wow. You could pay my insurance for almost 3 1/2 years - 2 drivers, 3 cars with full insurance and increased liability limits and liability only on my truck. And my Z has $20,000 agreed value coverage and no deductibles. Why full coverage? You are under 25 are you driving 2 new cars? Maybe it is time to dial back the fleet.

LTb1ow · 07-26-2009, 10:05 AM

Heh, I pay 600 a year.

Gotta love insurance companys saying my car is a non performance car.

BigAls87Z28 · 07-26-2009, 10:22 AM

Damn Geo Storms.

I pay 220 a month for 2 cars, basic liability.

Featherburner · 07-26-2009, 03:00 PM

Quote:

Originally Posted by ShowNoPromise

Heh, I pay 600 a year.

Gotta love insurance companys saying my car is a non performance car.

They must have seen you run at atco.

Sorry dude, low hanging fruit.

LTb1ow · 07-26-2009, 03:20 PM

Quote:

Originally Posted by Featherburner

They must have seen you run at atco.

Sorry dude, low hanging fruit.

No problem, I get it from my parents all the time.

btownws6 · 07-27-2009, 10:04 AM

yea i have a loan on the ws6 and i bought a new car b/c of how far i drive to work it sux

BonzoHansen · 07-27-2009, 10:33 AM

Quote:

Originally Posted by btownws6

yea i have a loan on the ws6 and i bought a new car b/c of how far i drive to work it sux

Man, I hope that job pays you real well. I'm guessing with car payments and gas you are well over $15,000 annual just to drive, and probably more. I'd consider simplifying a bit, but that's just me.

btownws6 · 07-27-2009, 01:44 PM

Quote:

Originally Posted by BonzoHansen

Man, I hope that job pays you real well. I'm guessing with car payments and gas you are well over $15,000 annual just to drive, and probably more. I'd consider simplifying a bit, but that's just me.

yea im in the process of maybe trading the impala in for something a little better on gas and a cheaper loan but it has to last because i drive a 150 miles a day and i usually work 7 days straight it sucks lol but yea my job is amazing i'm an engineer at a bank data center and its union and all that good stuff so i love it and i'm glad that i got the job