Insurance discount!

fastdriver · 07-24-2011, 10:59 PM

I wrote to our state insurance department to ask them if there was something they could do, along with other state insurance commissioners, to get the insurance companies to offer a better discount for having OnStar car recovery on our cars. I know GMAC offers what someone said was a substantial discount, but I have not heard of any other companies offering the same. I know they all offer a slight discount for having a car alarm, but that's NOT the same as what we have.

Well, yesterday, I received their response after several weeks. I swear- they could ALL go work in Washington, DC with the rest of the politicians, because they never addressed my concerns. First off, they wrote to GMAC as if I was complaining about them! I don't have and have never had GMAC insurance! Then, they said that there is no CT insurance statue that requires a company to offer a discount for anti-theft devices! I am sure that is TOTALLY true, but there was so MUCH more in my original letter that they glossed over and gave me this GENERIC response!

Looks like letter writing has gotten me nowhere, so I'll have to give them a call tomorrow to inquire about the numerous other items I mentioned to them that were totally ignored!

SOMETIMES I wonder HOW these people get these positions! I guess it must be the ones who can avoid answering questions directly so as to try and appease the letter writer. Well, that may work with some people, but NOT me. There is NO logical reason why we should not get a substantial discount for having what amounts to an ENHANCED Lo-Jack system on our car. What's better-

Getting a stolen car back in MINUTES with NO damage OR recovering a stolen vehicle a week(s) later COMPLETELY stripped? The LOGICAL answer to me would be the former scenario, BUT to the insurance company, I guess the latter would be a BETTER scenario for THEM because they could use that as an excuse to raise their rates because of a high loss ratio! Where are we? STUCK right in the middle with bureaucrats not wanting to pi$$ off the big guys!

WHY aren't there ANY people in a position of power willing to help the little guy ESPECIALLY in these economic times? OK- off my soapbox for now. Stay tuned. There MAY be more.

**BIRDMAN** · 07-25-2011, 04:03 PM

Keep us posted on this, sounds like a load of bull.

mixer · 12-24-2011, 01:43 AM

I asked my agent the same question, why is there no discount for OnStar, yet I can get a discount for an alarm with starter kill. the response was, I don't know why. maybe if enough people push their insurance companies something can be done.

**70AARCUDA** · 12-24-2011, 12:28 PM

...STATE FARM said no discount for OnStar™ too.

Deerebilt · 05-05-2013, 02:15 PM

State Farm now Has Safe Drive discount with Onstar

**70AARCUDA** · 05-05-2013, 02:31 PM

Quote:

Originally Posted by Deerebilt

State Farm now Has Safe Drive discount with Onstar

Yes, it's basically like the Progressive "dongle", except without the dongle!

State Farm makes you give OnStar™ permission to forward your driving info (milage, time-of-day, GPS, etc.) back to them (State Farm). That's how they eliminates the dongle. But you can not restrict or limit what info OnStar™ sends to State Farm.

All that for only 5% discount!

07-24-2011, 10:59 PM	#1
fastdriver Junior Member Join Date: Jul 2011 Location: Southern Connecticut Posts: 10	Insurance discount! I wrote to our state insurance department to ask them if there was something they could do, along with other state insurance commissioners, to get the insurance companies to offer a better discount for having OnStar car recovery on our cars. I know GMAC offers what someone said was a substantial discount, but I have not heard of any other companies offering the same. I know they all offer a slight discount for having a car alarm, but that's NOT the same as what we have. Well, yesterday, I received their response after several weeks. I swear- they could ALL go work in Washington, DC with the rest of the politicians, because they never addressed my concerns. First off, they wrote to GMAC as if I was complaining about them! I don't have and have never had GMAC insurance! Then, they said that there is no CT insurance statue that requires a company to offer a discount for anti-theft devices! I am sure that is TOTALLY true, but there was so MUCH more in my original letter that they glossed over and gave me this GENERIC response! Looks like letter writing has gotten me nowhere, so I'll have to give them a call tomorrow to inquire about the numerous other items I mentioned to them that were totally ignored! SOMETIMES I wonder HOW these people get these positions! I guess it must be the ones who can avoid answering questions directly so as to try and appease the letter writer. Well, that may work with some people, but NOT me. There is NO logical reason why we should not get a substantial discount for having what amounts to an ENHANCED Lo-Jack system on our car. What's better- Getting a stolen car back in MINUTES with NO damage OR recovering a stolen vehicle a week(s) later COMPLETELY stripped? The LOGICAL answer to me would be the former scenario, BUT to the insurance company, I guess the latter would be a BETTER scenario for THEM because they could use that as an excuse to raise their rates because of a high loss ratio! Where are we? STUCK right in the middle with bureaucrats not wanting to pi$$ off the big guys! WHY aren't there ANY people in a position of power willing to help the little guy ESPECIALLY in these economic times? OK- off my soapbox for now. Stay tuned. There MAY be more. Share Share this post on Digg Del.icio.us Technorati Twitter __________________ Accept mediocrity and that's all you'll ever get. 2011 Cruze LTZ RS Crystal Red Metallic Tintcoat. Picked up 2/14/2011. All options except nav. Gone 1/31/13. Replaced with 2013 Crystal Red Buick Verano Turbo with Nav on 1/31/13! Some pics: http://smg.beta.photobucket.com/user...2/library/2013 Buick Verano Turbo Old Cruze pics-http://smg.photobucket.com/albums/v372/fastdriver2/2011 Chevy Cruze LTZ RS/

07-25-2011, 04:03 PM	#2
BIRDMAN Administrator Join Date: Jun 2011 Location: Boston Posts: 155	Keep us posted on this, sounds like a load of bull. Share Share this post on Digg Del.icio.us Technorati Twitter

12-24-2011, 01:43 AM	#3
mixer Junior Member Join Date: Dec 2011 Age: 47 Posts: 16	insurance I asked my agent the same question, why is there no discount for OnStar, yet I can get a discount for an alarm with starter kill. the response was, I don't know why. maybe if enough people push their insurance companies something can be done. Share Share this post on Digg Del.icio.us Technorati Twitter

12-24-2011, 12:28 PM	#4
70AARCUDA Super Moderator Join Date: Jul 2011 Location: Tucson, AZ Posts: 335	...STATE FARM said no discount for OnStar™ too. Share Share this post on Digg Del.icio.us Technorati Twitter __________________ • 2011 Chevrolet Cruze LTZ 1.4LT (LUJ) 6A • 2009 Pontiac Vibe 1.8L (2ZR-FE) 4A • 2004 Pontiac Vibe 1.8L (1ZZ-FE) 4A • 1971 Dodge Charger 318 3A • 1970½ Plymouth AAR 'Cuda 340/6BBL 4M • 1968 Dodge Charger 383 3A • 1967 Plymouth Barracuda Formula·S 383 4M • 1965 Plymouth Barracuda Formula·S 273 4M

05-05-2013, 02:15 PM	#5
Deerebilt Junior Member Join Date: Aug 2012 Location: Hutchinson,KS Age: 50 Posts: 7	State Farm now Has Safe Drive discount with Onstar Share Share this post on Digg Del.icio.us Technorati Twitter

Thread Tools
Show Printable Version Email this Page
Display Modes
Linear Mode Switch to Hybrid Mode Switch to Threaded Mode