🚀 go-pugleaf

In article <1992Oct7.173020.20196@tcsi.com>, gwu@nujoizey.tcs.com (George Wu) writes:

>      When I moved out here 3.5 years ago, everyone told me to use the
> California State Automobile Association (CSAA), which is the local branch
> of AAA.  CSAA is non-profit, and you get other benefits like free maps,
> roadside service, and the other usual motor club services.
 
>      CSAA was certainly the cheapest insurance I found.  I checked a
> good half dozen of the commercial companies.  However, be sure to shop
> around by calling up several different agents (not just companies).
> Insurance premiums are notorious for random variations.

As a AAA-insured individual myself, I should add that they are
rather picky about who they insure. I almost lost my ability to
re-up after an accident I had in January.
 
By the way, down here it's the ACSC.

>      One fair warning: I've heard a couple of stories of poeple
> complaining CSAA undervalues/over-depreciates the value of a car
> damaged in an accident.  This would mean you might not get as much
> as you think your car is worth if it were totalled, and CSAA might
> consider it totalled when another company might not.  I've not seen
> widespread complaints of this sort, so I'm not sure it's a valid
> complaint either.

They totalled mine. But I got decent payback on it (almost the
balance left on the loan--within the deductible of it, in fact).
 
>      Welcome to California.  You're lucky you're not a young single
> male driving a sports car.  Your premiums should merely be outrageous.

Actually,  the biggest win for CSAA/ACSC/AAA insurance is that
they're prop 101 (or whatever the number is) compliant. So being
young single or male doesn't hurt. Driving a sports car does. 

Insurance rates are to based strictly on value of car, safety
features of car, years driver is licensed and driving record.

-dh