usaig

If you live in TN or close by, I'd call D.R. Cox for a quote. They beat all
others by a good amount. On the one (really big) claim, the brokered
company came thru in spades. They also did not raise the rate. FWIW.

Thx, {|;-)

Victor J. (Jim) Osborne, Jr.

"Victor J. Osborne, Jr." wrote in message ...
If you live in TN or close by, I'd call D.R. Cox for a quote. They beat all
others by a good amount. On the one (really big) claim, the brokered
company came thru in spades. They also did not raise the rate. FWIW.

I'm not sure how that is possible. Every agent is quoted the exact
same amount on a policy. In fact, once you get an agent to quote you a
policy, the insurance co's will refuse to quote you for any other
agent. They claim its a waste of time since they already quoted you.
The agents are no direct charge to you, the insurance co kicks them
back a fixed percentage. Its a very non-competitive market. The only
time your agent really makes a difference is if you are hard to insure
and the insurance co's are refusing coverage or if you've just had an
accident and want the agent to represent you.

-Robert

On Thu, 24 Jun 2004 14:40:51 -0700, Robert M. Gary wrote:

I'm not sure how that is possible. Every agent is quoted the exact
same amount on a policy. In fact, once you get an agent to quote you a
policy, the insurance co's will refuse to quote you for any other

I've heard that claimed and I don't believe it because I had 2 agents
quote me a price and both used the same underwriter and both had different
prices. USAIG is the underwriter for what it's worth.

I had been told by an agent that it's true, but in my experience it's not
an accurate statement.

I just got a letter last week from AOPA's Insurance department saying they
could not give me a competitive quote for insurance because my current
agent, Falcon, used the same underwriter.


"Matthew P. Cummings" wrote in message
news
On Thu, 24 Jun 2004 14:40:51 -0700, Robert M. Gary wrote:

I've heard that claimed and I don't believe it because I had 2 agents
quote me a price and both used the same underwriter and both had different
prices. USAIG is the underwriter for what it's worth.

I had been told by an agent that it's true, but in my experience it's not
an accurate statement.

On Thu, 24 Jun 2004 20:20:54 -0500, "Mike F."
wrote:

I just got a letter last week from AOPA's Insurance department saying they
could not give me a competitive quote for insurance because my current
agent, Falcon, used the same underwriter.


You said it right. The Underwriter determines the qute, not the
Agent. Agents only sell what underwriters formulate. Falcon and AOPA
are Agents.

HTH.
z

On Thu, 24 Jun 2004 20:20:54 -0500, Mike F. wrote:

I just got a letter last week from AOPA's Insurance department saying they
could not give me a competitive quote for insurance because my current

Those are the two I got quotes from. I have been with Falcon for 3+ years
and the quote from AOPA was around $10 less, same underwriter. I didn't
have to sign a release/waver anything. They just quoted me the prices and
what was that. Of course I did have to sign paper when I actually
renewed, but not for the quotes.

I wonder why I got it and you didn't? Both had my N number?

I have been with Falcon for over 5 years. AOPA sent me the forms to fill
out about a month before my policy expired with Falcon. I filled them out
and sent them in just to see what kind of quote I'd get back. Last week I
got the letter from AOPA saying that my current agent used the same
underwriter as AOPA and they were unable to get a quote. Maybe it was
because Falcon had just received a renewal quote from AIG and that set a
flag to block any add'l quotes.

As a side note, Falcon noticed that AIG's quote did not have my AOPA
discount. They went back and got the discount for me.

Mike

"Matthew P. Cummings" wrote in message
news
On Thu, 24 Jun 2004 20:20:54 -0500, Mike F. wrote:

I just got a letter last week from AOPA's Insurance department saying
they
could not give me a competitive quote for insurance because my current

Those are the two I got quotes from. I have been with Falcon for 3+ years
and the quote from AOPA was around $10 less, same underwriter. I didn't
have to sign a release/waver anything. They just quoted me the prices and
what was that. Of course I did have to sign paper when I actually
renewed, but not for the quotes.

I wonder why I got it and you didn't? Both had my N number?

"Matthew P. Cummings" wrote in message
news
On Thu, 24 Jun 2004 14:40:51 -0700, Robert M. Gary wrote:

I'm not sure how that is possible. Every agent is quoted the exact
same amount on a policy. In fact, once you get an agent to quote you a
policy, the insurance co's will refuse to quote you for any other

I've heard that claimed and I don't believe it because I had 2 agents
quote me a price and both used the same underwriter and both had different
prices. USAIG is the underwriter for what it's worth.

I had been told by an agent that it's true, but in my experience it's not
an accurate statement.


Legally you have to sign a release if you want two different agents to quote
you from the same insurance company.