Used the free FICO score thing on here

[Pandora]

maybe I'll have to do that on Monday...see what else they can do!

Have a great weekend!

[backtoschool]

bts - did you do it online or over the phone? I did it online and it pulled up everything we currently have based off of our current policy.

Yeah, I was gasping when I saw the quote!

I did it online then called the rep to make sure I got a good deal. The rep found a couple more discounts for me.

[Pandora]

bts - did you do it online or over the phone? I did it online and it pulled up everything we currently have based off of our current policy.

Yeah, I was gasping when I saw the quote!

[backtoschool]

AAA didnt give us a great rate today when I requested a quote...and we are members. I was shocked! $600 higher a year for vehicles than what we pay now, and I had to lower the limits and raise the deductibles else it would've been higher. That included a 10% discount if I rolled my homeowners into it.

Wow I am surprised. I got a membership discount from them, as well as a discount for being an alumni of my university. They have other discounts, you should check and make sure you received all of the discounts you were eligible for.

[Pandora]

AAA didnt give us a great rate today when I requested a quote...and we are members. I was shocked! $600 higher a year for vehicles than what we pay now, and I had to lower the limits and raise the deductibles else it would've been higher. That included a 10% discount if I rolled my homeowners into it.

[backtoschool]

I can only speak of my personal experience......I did not mean to say it's like that everywhere. I do know for a fact though that there are some insurers that will not write for a period of time after a BK regardless of the score. Trust me, I went through about 8 of them. I do know it for a fact here in Louisiana!

I believe you. In my experience, AAA gives great rates as long as you are a member.

[Pandora]

Never heard of them. Not sure they write in South Louisiana, few companies do.

I just checked.. you're right they dont go that far They do however cover 11 states for anyone that may be interested:

WI
IL
IN
OH
NY
PA
WV
MD
DC
VA
TN
NC

Site: https://www.erieinsurance.com/about/Locations.aspx

[LSUTiger32]

Hey LSU - have you tried Erie insurance? In all the years we've had insurance (of any type) - they've always beat every other ins. company out there.

Never heard of them. Not sure they write in South Louisiana, few companies do.

[LSUTiger32]

I have to disagree LSU, I live in a state that bases insurance costs on credit scores and reports, and I had a very high rate right after I filed, but after I cleaned up my reports, got some positive trade lines and improved my scores, my renter's insurance cost has been cut in half for the same coverage. Higher scores do help.

I can only speak of my personal experience......I did not mean to say it's like that everywhere. I do know for a fact though that there are some insurers that will not write for a period of time after a BK regardless of the score. Trust me, I went through about 8 of them. I do know it for a fact here in Louisiana!

[Pandora]

Hey LSU - have you tried Erie insurance? In all the years we've had insurance (of any type) - they've always beat every other ins. company out there.

[backtoschool]

I posted this on antoehr thread, but you are likely to pay higher insurance rates for years no matter the score. My insurance for my home is almost $4,000 per year. They used Katrina as an excuse even though they paid less than 10% of the claims during that time. In trying to get insurance for the last three years, I have been with three different companies.....this last one due to the BK. It's the state insurer of last resort because NO ONE in this area will write with a BK regardless of your score. Their guidelines are a number of years after the discharge not the score.

I have to disagree LSU, I live in a state that bases insurance costs on credit scores and reports, and I had a very high rate right after I filed, but after I cleaned up my reports, got some positive trade lines and improved my scores, my renter's insurance cost has been cut in half for the same coverage. Higher scores do help.

[Pandora]

I posted this on antoehr thread, but you are likely to pay higher insurance rates for years no matter the score. My insurance for my home is almost $4,000 per year. They used Katrina as an excuse even though they paid less than 10% of the claims during that time. In trying to get insurance for the last three years, I have been with three different companies.....this last one due to the BK. It's the state insurer of last resort because NO ONE in this area will write with a BK regardless of your score. Their guidelines are a number of years after the discharge not the score.

Ouch - 4K? Our Home Ins was around $800 - however it just jumped up to around $1100 since filing. We have pretty low Re. taxes here (thank god). Then again, our coverage is pretty high as far as damages, etc , with relatively low deductibles. I know it'll be high until we're discharged, but it shouldnt be any higher than what it is now *fingers crossed*


Okay - have the answer on the credit report thing from our lawyer for a Ch. 13 filer. He says the reports will not show a zero balance until the BK payments are completed, discharge order entered, and the case is closed. Says to wait about 6 months then pull all 3 reports to ensure all things are reported correctly. If not, then dispute them all - they have 30 days to investigate and respond.

So - there it is. Guess we'll have to wait 5 long years to get it done *sighs*. Oh well..could be worse.

[LSUTiger32]

I posted this on another thread, but you are likely to pay higher insurance rates for years no matter the score. My insurance for my home is almost $4,000 per year. They used Katrina as an excuse even though they paid less than 10% of the claims during that time. In trying to get insurance for the last three years, I have been with three different companies.....this last one due to the BK. It's the state insurer of last resort because NO ONE in this area will write with a BK regardless of your score. Their guidelines are a number of years after the discharge not the score.

[tobee43]

NowImDownInIt And yet, here I am.

that has absolutely NOTHING to do with how smart you are at 24.....you know blank happens...you are just extremely mature for your age i think..and i'm a bit impressed...actually...so if nothing else you in GREAT company...LOL!!!!!!!!!!!

[tobee43]

YEOWCH! Holy crap! AAA's quote was $600 HIGHER than my current ins. company - and that was taking the limits down and deductibles UP! Good grief - and I thought I was paying alot with it going up since filing, guess I wont complain about $2K a year for full coverage with the highest limits on everything for 3 vehicles any longer LOL! Was only about $1600 or so before we filed and it went up.

Think I'll stay with Erie - but thanks for the suggestion Tobee

OH MY!!! well actually this was not a wasted exercise in futility ...because now your not feeling you're paying the highest...LOL!!!