Safeco Insurance - TIMMCO Insurance ripoff dishonest quotation ,bait and switch, raised the price after and break their own policy after they signed Portland Oregon
I was searched for new quote for my car Insurance ( I was client with State Farm ), I found Safeco gave me a good big deal price because i can save about $ 30 / month
I called Safeco agent and made appointment, I came down to their office and she asked me to fill up some more paper and signed the agreement with Safeco and she knew I already got my quote by online with price $ 390.81 for 6 months. Before I left her office, she asked me to fax or e-mail my car Insurance policy from State Farm to her office. I did as what she asked me after I got home but I felt its so not right.
In 2 weeks I reveived letter from Safeco which said they changed my policy from pice $ 390.81 become $ 582.38 without any explanation "WHY" in the letter. I called the agent and spoke to her and asked why they changed the policy. She said because I couldn't provide the new policy from State Farm effective July 2005 - 2006 which showed detail about coverage and premiums charged. I said I sent already but the due date is for Jan 2005 to July 2005, It was because i didn't received my new policy from State Farm that time BUT I HAVE MY NEW CARD CAR INSURANCE FOR JULY 2005 TO JAN 2006.
She kept saying that is not enough approved that I have car Insurance before I joined with Safeco. I called and checked with some Insurance company , Is it requirement to show copy policy from another Insurance company if we want to joint and become new member and the answer is IS NOT REQUIREMENT.
I think this company doing unhealthy and dishonest business, and try to take advantage to their client. because they gave online quote but when you want to joint you have to show old policy from your old Insurance company. Then if they thought their price which they gave by online to low or a lot different they will raised and changed the policy with UNREASONABLE REASON.
Daniel
Portland, Oregon
U.S.A.
4 Updates & Rebuttals
Brook
Alpharetta,Georgia,
U.S.A.
Your insurance premium increase wasn't an attempt at bait and switch.
#5Consumer Suggestion
Mon, November 07, 2005
Daniel,
Your insurance premium increase wasn't an attempt at bait and switch. When you created a quote, you provided information that indicated you had prior insurance coverage, which entitles you to a premium deduction.
From the company's point of view, I'd be willing to bet they didn't receive (or lost) the fax you sent with your prior carrier (i.e. State Farm) information. If Safeco received a copy of your declarations page, Safeco would honor the original quote (assuming the information matches what you put on the quote).
The reason companies do this: risk assessment.
There's a big difference between providing insurance to someone who has never carried insurance or who had his/her coverage cancelled and someone who has carried continuous insurance for a long period of time.
What you need to know about insurance is that *every* single piece of information you provide drives the premium you're quoted. Insurance companies try to verify information to make sure they're giving discounted insurance to folks who deserve it.
If I asked for insurance and said that I have a perfect driving record, prior insurance, great credit and I am a medical doctor, I would be a good risk and deserving of lower insurance rates. But, what if I lied to get a cheaper premium...in reality, I am an unemployed bum with 4 DUIs. Those are two different risks and require two difference premiums.
Your proof of prior insurance is supporting evidence that you're the former risk, and not the latter.
Incidently, you can get the information Safeco is asking for by asking State Farm for an updated "dec page;" you should also be able to print one off their website.
I hope you get the issue resolved.
Brook
Alpharetta,Georgia,
U.S.A.
Your insurance premium increase wasn't an attempt at bait and switch.
#5Consumer Suggestion
Mon, November 07, 2005
Daniel,
Your insurance premium increase wasn't an attempt at bait and switch. When you created a quote, you provided information that indicated you had prior insurance coverage, which entitles you to a premium deduction.
From the company's point of view, I'd be willing to bet they didn't receive (or lost) the fax you sent with your prior carrier (i.e. State Farm) information. If Safeco received a copy of your declarations page, Safeco would honor the original quote (assuming the information matches what you put on the quote).
The reason companies do this: risk assessment.
There's a big difference between providing insurance to someone who has never carried insurance or who had his/her coverage cancelled and someone who has carried continuous insurance for a long period of time.
What you need to know about insurance is that *every* single piece of information you provide drives the premium you're quoted. Insurance companies try to verify information to make sure they're giving discounted insurance to folks who deserve it.
If I asked for insurance and said that I have a perfect driving record, prior insurance, great credit and I am a medical doctor, I would be a good risk and deserving of lower insurance rates. But, what if I lied to get a cheaper premium...in reality, I am an unemployed bum with 4 DUIs. Those are two different risks and require two difference premiums.
Your proof of prior insurance is supporting evidence that you're the former risk, and not the latter.
Incidently, you can get the information Safeco is asking for by asking State Farm for an updated "dec page;" you should also be able to print one off their website.
I hope you get the issue resolved.
Brook
Alpharetta,Georgia,
U.S.A.
Your insurance premium increase wasn't an attempt at bait and switch.
#5Consumer Suggestion
Mon, November 07, 2005
Daniel,
Your insurance premium increase wasn't an attempt at bait and switch. When you created a quote, you provided information that indicated you had prior insurance coverage, which entitles you to a premium deduction.
From the company's point of view, I'd be willing to bet they didn't receive (or lost) the fax you sent with your prior carrier (i.e. State Farm) information. If Safeco received a copy of your declarations page, Safeco would honor the original quote (assuming the information matches what you put on the quote).
The reason companies do this: risk assessment.
There's a big difference between providing insurance to someone who has never carried insurance or who had his/her coverage cancelled and someone who has carried continuous insurance for a long period of time.
What you need to know about insurance is that *every* single piece of information you provide drives the premium you're quoted. Insurance companies try to verify information to make sure they're giving discounted insurance to folks who deserve it.
If I asked for insurance and said that I have a perfect driving record, prior insurance, great credit and I am a medical doctor, I would be a good risk and deserving of lower insurance rates. But, what if I lied to get a cheaper premium...in reality, I am an unemployed bum with 4 DUIs. Those are two different risks and require two difference premiums.
Your proof of prior insurance is supporting evidence that you're the former risk, and not the latter.
Incidently, you can get the information Safeco is asking for by asking State Farm for an updated "dec page;" you should also be able to print one off their website.
I hope you get the issue resolved.
Brook
Alpharetta,Georgia,
U.S.A.
Your insurance premium increase wasn't an attempt at bait and switch.
#5Consumer Suggestion
Mon, November 07, 2005
Daniel,
Your insurance premium increase wasn't an attempt at bait and switch. When you created a quote, you provided information that indicated you had prior insurance coverage, which entitles you to a premium deduction.
From the company's point of view, I'd be willing to bet they didn't receive (or lost) the fax you sent with your prior carrier (i.e. State Farm) information. If Safeco received a copy of your declarations page, Safeco would honor the original quote (assuming the information matches what you put on the quote).
The reason companies do this: risk assessment.
There's a big difference between providing insurance to someone who has never carried insurance or who had his/her coverage cancelled and someone who has carried continuous insurance for a long period of time.
What you need to know about insurance is that *every* single piece of information you provide drives the premium you're quoted. Insurance companies try to verify information to make sure they're giving discounted insurance to folks who deserve it.
If I asked for insurance and said that I have a perfect driving record, prior insurance, great credit and I am a medical doctor, I would be a good risk and deserving of lower insurance rates. But, what if I lied to get a cheaper premium...in reality, I am an unemployed bum with 4 DUIs. Those are two different risks and require two difference premiums.
Your proof of prior insurance is supporting evidence that you're the former risk, and not the latter.
Incidently, you can get the information Safeco is asking for by asking State Farm for an updated "dec page;" you should also be able to print one off their website.
I hope you get the issue resolved.