4runner 4x4 insurance?

ive been hit three times this year and all but this last one(cause it was a little jetta that hit my tow hook/shackle and did nothing to my runner, but put a hole through his radiator and AC condenser) i got over $700 and the damage was hardly noticeable. just dont roll over, and keep fighting, they hit you, its their fault. why should you make your premiums go up and make needless claims when someone else should be picking up the tab.
 
when you have claim issues use the chain of command to your advantage. its not that someone cant do something for you, its that they dont have the authority to. ask for a superior if you do not agree, be professional, and you will be treated fairly in most cases. no one likes dealing with anyone who's rude, regardless of which is dishing it out. it always pays to be nice.
 
OP, your rates seem a bit much to me as well. It’s entirely possible that your rates have gone up simply because your company decided they wanted to make more money off you than they have been. You should start looking at cheap auto insurance quotes from other reputable providers. I’d say go for The Hartford; they’ve kept my rates reasonable and given me great discounts for the past decade. Also, I’ve made a couple of claims and they’ve handled them really well.
 
OP, your rates seem a bit much to me as well. It’s entirely possible that your rates have gone up simply because your company decided they wanted to make more money off you than they have been. You should start looking at cheap auto insurance quotes from other reputable providers. I’d say go for The Hartford; they’ve kept my rates reasonable and given me great discounts for the past decade. Also, I’ve made a couple of claims and they’ve handled them really well.

wow. thats a bold statement. great suggestion on trying another company, but thats not how the rates work dude. there are laws in place to regulate rates.
 

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