Quoted: File the claim. Once they pay up switch carriers.
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You realize that by doing that your credit gets dinged just as it would as if you were passing debt from credit card to credit card, yes?
HERE I COME TO SAVE THE DAAAAAY!
<--- FARMERS Agent
Listen up folks: the deductable options of today were devised when cars were bought for $5000. If you have a $10k car or more, you may as well have a MINIMUM of $500 deductable for comp and ditto for collision. Otherwise, you're just throwing your own $$$ down the toilet. As soon as you get over $20k in value, very seriously start to think about the $750 or $1000 deducatbles. For those of you who own a car of less than $5k in value... seriously think about NOT having comp or collision. You're just throwing $$$ away. BUT... with the money you save I HIGHLY suggest you put it away.
Also, no home should have less than a $1,000 ded.
Bump up the deductables, save some cash, and take care of the small stuff yourself. This keyscratch mentioned in the original post is just that: small stuff.
Most companies will give some major discounts if you're claim free/ticket free. Just one claim, regardless of amount (yes, even a $0 payout) could up your premium by %25.
Remember: the reason premiums go up is because if the idiots who turn in a $550 claim on a $500 deductable. An insurance company would MUCH rather have a single $5000 claim, than ten $500 claims.