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Joined: Jul 2003
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kevin2
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kevin2 Jan 13, 8:19am - #373385 
2000 White Toyota Celica
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2000 Toyota Celica

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Missouri
how can this be possible? need help!

My g/f gave me her 87 honda civic for winter beater. I was quote $189 for 6 month coverage. Yet 3 WEEKS later from the date I purchase the coverage, I have to cancel it because I don't need the car anymore. And today I got a bill from them for $80...I was like WTF is this! I will call them tomorrow to talk about this, but is there anything I need to know? Why do they charge me $80 for 3 weeks coverage when 6 months is only $189? I'm clueless? please help! thank everyone!

kevin

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shoulin
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shoulin Jan 13, 8:23am - #373386 

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2000 Toyota Celica GT

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Elk Grove, California
prolly their min charge
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kevin2
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kevin2 Jan 13, 4:17pm - #373387 
2000 White Toyota Celica
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2000 Toyota Celica

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Missouri
spineyes

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e_degala
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e_degala Jan 14, 9:06am - #373388 

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2000 Toyota Celica

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northeast
hopefully they will pro-rate it.

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FloydianSlip6
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FloydianSlip6 Jan 14, 9:23am - #373389 

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2002 Toyota Celica

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Massachusetts
because you only purchased coverage for 3 months not 6. They make money based on the length of time their customers are with their company.
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kevin2
Senior Member
kevin2 Jan 14, 9:52am - #373390 
2000 White Toyota Celica
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2000 Toyota Celica

Joined: Jul 2003
Posts: 574
Missouri
Originally Posted by FloydianSlip6
because you only purchased coverage for 3 months not 6. They make money based on the length of time their customers are with their company.


I didn't purchased the coverage for 3 months. I bought it for 6 months, but cancel it 3 weeks later because i don't need the car anymore. they charge me $80 for 3 week coverage thumbsdown

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Vampyre
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Vampyre Jan 14, 12:13pm - #373391 

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2003 Toyota Celica

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British Columbia, Canada
Because most places minimum is for three months so that's maybe what they charged you for.

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FloydianSlip6
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FloydianSlip6 Jan 14, 5:17pm - #373392 

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2002 Toyota Celica

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Massachusetts
Originally Posted by kevin
Originally Posted by FloydianSlip6
because you only purchased coverage for 3 months not 6. They make money based on the length of time their customers are with their company.


I didn't purchased the coverage for 3 months. I bought it for 6 months, but cancel it 3 weeks later because i don't need the car anymore. they charge me $80 for 3 week coverage thumbsdown


^ premature cancelation of contract thumbsup
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celicadragon
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celicadragon Jan 14, 5:42pm - #373393 

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2002 Toyota Celica

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Pittsburgh, PA
insurance sucks man

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1inAK
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1inAK Jan 15, 3:03am - #373394 

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2001 Toyota Celica

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ALASKA
MAYBE A CANCELLATION FEE THEY GOT TONS OF THOSE angry
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xmangt1
4 All U Haterz!
xmangt1 Jan 15, 4:19am - #373395 

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2000 Toyota Celica GT

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Posts: 1,587
Chicago, IL
Hey...shouldn't we get at least 1/2 of our money back in the year if we have no incidents? Insurance suks man but at least my deductible is covering my $4101.14 from the accident I just had.
I think you should be able to get back that $80
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celikitten
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celikitten Jan 15, 4:42pm - #373396 

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PA
Originally Posted by FloydianSlip6
Originally Posted by kevin
Originally Posted by FloydianSlip6
because you only purchased coverage for 3 months not 6. They make money based on the length of time their customers are with their company.


I didn't purchased the coverage for 3 months. I bought it for 6 months, but cancel it 3 weeks later because i don't need the car anymore. they charge me $80 for 3 week coverage thumbsdown


^ premature cancelation of contract thumbsup


that's what it is... cause i know when i wanted to cancel the insurance on my 3000GT for the winter one year it would've costed me like $60.. (and that was 3 or 4 years ago so i'm sure it's gone up) plus i would've lost my multi-car discount... it actually ended up being cheaper to just keep my GT on the insurance (believe it or not)... insurance is freakin weird... and i agree... we should get at least PART of our money back if we don't have any accidents or anything..

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FloydianSlip6
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FloydianSlip6 Jan 15, 4:48pm - #373397 

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2002 Toyota Celica

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Massachusetts
nah. Think about it this way what if someone said they were gunna race you for $400 and you were tied all the way up the track, then halfway they said, eh i don't feel like it anymore and stopped their car. Then afterwards when you went to get your cash said, well I didn't finish the race. I wasn't losing when I stopped racing, so I COULD'VE won I just got sick of the race so I should only have to pay you half the cash.

People would scam insurance companies more than they do now. I hate insurance too but stuff like cancelation fees are a necessary evil.
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