New Car Insurance Discount

daleks · 07-14-2010, 04:28 PM

My insurance provider provides a discount if your car is considered 'new'. The definition of 'new', by their rules, is defined by:

1. Model year 2004 or later; promotion started in 2004
2. Not previously titled or licensed; purchased new from dealership
3. Model year (MY) of car is not less than year in which the car was purchased

This means you can purchase a 2008MY car in 2007 or 2008 and still receive the new car discount. I purchased my 2009MY 370Z in 2010, and thus my insurance company is refusing to give me the new car discount based on rule #3. I'm asking for an exception however since Nissan released the 2009MY cars in 2009, and not 2008, which is the assumption that rule #3 is based upon.

Has anyone else encountered this situation, and what have you done about it? This amounts to <$100 per year, and yes I know I'm being a stickler about it.

kenchan · 07-14-2010, 04:37 PM

tell them you'll switch insurance companies and see how they react.

antman22 · 07-14-2010, 04:45 PM

Quote:

Originally Posted by kenchan

tell them you'll switch insurance companies and see how they react.

its funny how quick they are to overlook certain details when you look to switch.

kenchan · 07-14-2010, 05:15 PM

Quote:

Originally Posted by antman22

its funny how quick they are to overlook certain details when you look to switch.

yep, there are MANY insurance folks out there looking for clients all the time.

daleks · 07-15-2010, 05:45 PM

Quote:

Originally Posted by kenchan

yep, there are MANY insurance folks out there looking for clients all the time.

True that. The agent called me back saying they couldn't make an exception since their software was programmed to assume model year cars came out in the previous calendar year. I said I didn't understand why they would agree with me, but blame my being overcharged on software. After I asked if my bill would be pro-rated should I change insurance companies they offered to "escalate" the issue again. Boo.

azn370z · 07-15-2010, 06:05 PM

Just change insurance companies if you can. Progressive wouldn't match the quote from geico so I switched and progressive mailed me a check.

WarmAndSCSI · 07-15-2010, 06:10 PM

Even Geico granted me the discount on my 2008 Evo when I bought it in 2009. It was obviously brand new, and they didn't seem to have any issue with granting me the new car discount; I didn't even have to ask.

I dunno, but your insurance company needs to step their game up. Situations like this are customer service 101.

Matt · 07-15-2010, 08:04 PM

Weird, I've had top notch service from Progressive ever since I started.

enrique.frank · 07-23-2010, 03:02 AM

Switch switch switch! Check with The Hartford! Great customer service and very fair in dealings. I have my home, umbrella and auto insurance, everything with the same company.

07-14-2010, 04:28 PM	#1 (permalink)
daleks Enthusiast Member Join Date: Apr 2010 Location: St. Louis Posts: 424 Drives: 2011 Evo X MR Rep Power: 15	New Car Insurance Discount My insurance provider provides a discount if your car is considered 'new'. The definition of 'new', by their rules, is defined by: 1. Model year 2004 or later; promotion started in 2004 2. Not previously titled or licensed; purchased new from dealership 3. Model year (MY) of car is not less than year in which the car was purchased This means you can purchase a 2008MY car in 2007 or 2008 and still receive the new car discount. I purchased my 2009MY 370Z in 2010, and thus my insurance company is refusing to give me the new car discount based on rule #3. I'm asking for an exception however since Nissan released the 2009MY cars in 2009, and not 2008, which is the assumption that rule #3 is based upon. Has anyone else encountered this situation, and what have you done about it? This amounts to <$100 per year, and yes I know I'm being a stickler about it.

07-15-2010, 06:05 PM	#6 (permalink)
azn370z A True Z Fanatic Join Date: Nov 2008 Location: Seattle Posts: 1,722 Drives: z34 - R1 Rep Power: 490	Just change insurance companies if you can. Progressive wouldn't match the quote from geico so I switched and progressive mailed me a check. __________________ 2010 k23 H&R sport springs / Spc rear camber arms / SSR SP1 / Berk cbe / Varis cf lip / Nismo S-Tune side skirts

07-15-2010, 06:10 PM	#7 (permalink)
WarmAndSCSI A True Z Fanatic Join Date: May 2010 Location: SLC, UT Posts: 1,671 Drives: '08 Evo X \| '10 370Z Rep Power: 18	Even Geico granted me the discount on my 2008 Evo when I bought it in 2009. It was obviously brand new, and they didn't seem to have any issue with granting me the new car discount; I didn't even have to ask. I dunno, but your insurance company needs to step their game up. Situations like this are customer service 101. __________________ '10 PW 370Z 7AT - wife's car - Project Raspberry Cheesecake '08 Evo X - built motor+trans \| BB-X @ 32 psi \| CH3OH \| self-built+tuned - ??? WHP '01 Galant V6 - built motor \| GT35R \| self-built+tuned - 550+ WHP (retired)

07-15-2010, 08:04 PM	#8 (permalink)
Matt A True Z Fanatic Join Date: Oct 2009 Location: Augusta, GA Age: 41 Posts: 1,680 Drives: 2010 Avalanche LT Rep Power: 19	Weird, I've had top notch service from Progressive ever since I started. __________________ "Any man who can drive a 370z while kissing a pretty girl is simply not giving the Z the attention it deserves." Albert Einstein....modified.

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07-14-2010, 04:37 PM	#2 (permalink)
kenchan A True Z Fanatic Join Date: Aug 2009 Location: N/A Posts: 76,801 Drives: N/A Rep Power: 141521	tell them you'll switch insurance companies and see how they react.

07-23-2010, 03:02 AM	#9 (permalink)
enrique.frank Base Member Join Date: Jul 2010 Location: Atlanta Posts: 2 Drives: chevy impala Rep Power: 15	Switch switch switch! Check with The Hartford! Great customer service and very fair in dealings. I have my home, umbrella and auto insurance, everything with the same company.