I got my license, im 17. My dad went to the insurance people and he told me that I cant take the car until the bill comes in the mail. Its been over a week and it still didnt come. We got a discount on good grades and then drivers ed so now my dads saying thats why it hasnt come and it has to get approved by the office and all this crap. I think I am being bullsh*tted.

I dont understand why you would have to wait for a bill to come in the mail. I know tons of people that got on the insurance policy right after they got their license it didnt take a week. I dont know how this insurance stuff works so is it true you have to wait to get it approved or you are uninsured?

got my license, im 17. My dad went to the insurance people and he told me that I cant take the car until the bill comes in the mail. Its been over a week and it still didnt come. We got a discount on good grades and then drivers ed so now my dads saying thats why it hasnt come and it has to get approved by the office and all this crap. I think I am being bullsh*tted.

I dont understand why you would have to wait for a bill to come in the mail. Cant you just pay in the office? I know tons of people that got on the insurance policy right after they got their license it didnt take a week. I dont know how this insurance stuff works so is it true you have to wait to get it approved or you are uninsured?
I think my parents are doing it purposely so I cant drive. They make a big deal out of everything.

I have American Family if that helps at all.
I figured I was. Wow that really makes me mad.

I hit a tire that was in the road. When I got home I looked under the car and I was losing transmission fluid. After about 40 minutes, it stopped dripping completely. The next morning I called my insurance company and there wasn’t much of a conversation. They pretty much said I could take my car anywhere I wanted to get fixed and that I would be contacted by the "adjusters". So I was like oooooooooooook.

I had my car towed to a transmission shop. They said I needed a new oil pan(transmission fluid pan, not motor oil). I got my car back that same day. The amount was 7. My deductible is 0.

Here’s my question. Since the amount I paid was less than my deductible and I paid out of pocket, will my insurance be affected at all? I have State Farm. Does it affect your rates just for **the mere fact you made a claim**? What about discounts? For example, the Accident Free discount. Would that be lost? If so, how long before those discounts are reinstated?

Due to an illness/ disability in our family, despite having health insurance, we still owe thousands in medical bills. Those that would not work with us turned them into collection. They now show on our credit report.

Despite being insured for both our auto insurance and our home insurance for 20+ year with the same insurance company, we got a notice saying our auto insurance had gone up hundreds of dollars per year based on a credit report they obtained. We have never had an accident, ticket, etc. and the amount automatically comes out of our checking each month. Plus, last year, prior to this, they switched us to a preferred group within the company and gave us a discount when we threatened to switch.

How can I find out which insurance companies base your insurance rates on your credit report and or score? Will they tell you outright? This is the first I have ever known that our company did this and was wondering if all of them do it, or do you just know about it when you get a notice like we did?

I get their reasoning but it seems like such a rip off when so many are in our boat- insured but with insurance that is starting to pay less and less and cost more. Plus, they have our checking account and if we were not to pay, they wouldn’t be responsible for us if we had an accident anyway. Seems like a double whammy to me. Can anyone help?
I am in the state of Indiana. Previously they switched us to a preferred group by sending us a letter saying we qualified and the new lower rates. We went in and signed up and the new rates went into effect at renewal..until this latest renewal when they went even higher than our original rate they lowered.
Sorry ED, but American Family is who we have had for all these years and who is doing this credit report thing.

I’m currently a college student and would like to purchase my own auto insurance in Ohio (and no longer be included on my parents insurance). Does anyone have any tips on how/where to get good, affordable auto insurance? Are there any companies that you would recommend? Or ones that offer student/good student discounts?

Thanks!