Ask MetaFilter questions tagged with insurancerates

Are vehicle insurance rates negotiable?

BostonTerrier — Tue, 02 Jun 2009 07:11:05 -0800

Are vehicle insurance rates negotiable? I received my yearly scooter insurance bill from Progressive yesterday...up $39 from last year (and that's with the 10% discount for paying in full, which I always do.) I did not have a claim in the past year.
My questions:
1. Is this much of a jump standard? Are they going to tell me "it's just the cost of doing business" or some similar line of jive?
2. Before I write the check, do I have a chance of negotiating a lower rate on the phone? Even if it's as little as $5 less, it would at least sting a little less. Progressive Insurance has a bigger pile of money than I do, after all.

Should we repair unclaimed damage before an inspection?

Anonymous — Thu, 29 May 2008 13:18:22 -0800

Ontario car insurance. My wife and I have insurance through PC financial. Over the last year, our cars have been damaged, but we haven't filed a claim. Now, they've requested an inspection of our cars. Is this just to ensure they don't pay for preexisting damage in the event of future claims, or can we expect them to get mad/raise rates for this? My wife's car was damaged when I was a blind idiot in a parking lot. I did about $800-1000 damage to my wife's car which we haven't gotten fixed, and about $900 in damage to a nice lady's car. We paid her cash (the quote to repair the damage came much lower than we were anticipating), and had her sign an agreement/receipt for the cash and that she had no further claims against us. 5+ months later and we haven't heard further from her. Neither party reported this to the police. This is a newer, but low sticker price car.

Someone tried unsuccessfully to break into my car. In the process of this, both door handles were popped partially out of the car. I had an estimate of $300 to fix. It's a mid-age low sticker price car. We had reported this to the police. We were told that there was a series of successful auto thefts in our area that night, to consider ourselves lucky that they failed with my car, and that they were unlikely to catch the culprits. This occured 6-12 months ago.

We have just enough money in savings to get these fixed if we need to. But we're alright with the unsightliness and would rather have the money for future emergencies that don't involve cosmetic damage to possessions.

Should we get the cars fixed ASAP and then bring them in for the inspection? Should we have notified the insurance company of damage to the cars that we weren't making claims for and then bring the cars in? Should we just bring the cars in and let them make notes and then go our merry way? Should we start budgeting for a rate increase?

Will my health insurance cost go up if I test positive for an STD?

Anonymous — Thu, 07 Feb 2008 21:04:25 -0800

Can your health insurance company raise your rates when you have a positive STD test? Does this typically happen? Long story short, I recently had the occasion to need an STD screening really fast, like by-the-end-of-the-day-please fast (basically I had another date with the um... relevant person and I wanted to be able to say something concrete about the situation instead of just general ickyness).

I anticipated that I'd end up at a planned parenthood or something, but it turned out that the only thing I could find near my work was an express testing service that sends you straight to a lab for all the screenings, no doctor consult or anything. When I asked the guy on the phone about whether they would take insurance, he went off unprovoked about how messed up health care is in this country, and I COULD tell my insurance, but they'd probably double my premiums if I tested positive because they would consider me high risk, and "it's not fair, but that's how it is."

Is this true? I have health insurance through work, and I never had an entrance physical or anything like that, I just got the standard rate for a person of my general demographic characteristics.

The whole ordeal just kind of smelled funny. The price for the lab work was pretty expensive, but not beyond my means, so I just paid for it. I'm OK with the idea that I got ripped off this time; I did need the service, it didn't break the bank, whatever. But I'm curious if they guy had a point or was just completely full of it.

Web searching reveals nothing helpful, at least using the search strings I could think of.