Re: AARP driving refresher

On Sun, 20 Nov 2005 20:28:08 -0800, EdO <em3h4@xxxxxxxxx> wrote:

Well, my Agent is not a lying scum bag. I did get a discount. He did
tell me it really wasn't worth the effort since it only applied to the
liability portion of my insurance. But like my Agent told me... better
in my pocket than their's.

Dick


>I guess your insurance agent is a lying scum bag but mine is not and he
>assures me that there is no discount for AARP driving course. As to
>coverage, you are right, most carry insurance that they do not need and
>won't ever collect on.. I personaly carry the liability, no comp or
>collision, no health and un and under insured only because the state
>mandates it. Of course some can't afford to take all these gambles but
>they still over insure on collision.
>
>
>> In many states, a mandatory discount on your auto insurance is yours upon
>> completion of the course. Asking your agent if there is any difference is
>> like asking your dentist if you should have your teeth examined. When you
>> get a discount, his commission is reduced. Let me repeat: your agent's
>> commission is based on the premium you pay. The lower the premium the lower
>> his commission. So why would he encourage you to get a discount?
>>
>> When I spoke with my "students" I found many of them were overpaying for
>> auto insurance, carrying limits and other coverage that ran their premiums
>> up but didn't give them any advantage. I advise everyone, three months
>> before your insurance comes up for renewal, to shop around. Ask about the
>> saving if you insure your household and your auto with the same company. And
>> talk with the "direct" (no outside agent) insurers.
>>
>> Leon

.

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