MamasLex

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About MamasLex

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  • Lexus Model
    ES300
  1. I fully agree. When I went to hit the brakes and they sank to the floor, I about had a heart attack!
  2. Mine gets stuck alot too. It will try to go down when I turn off the radio or the car, but it is stuck in the up position. If I twist it while it is trying to go down, then it will stop. I am just dealing with it till I can get it replaced, that was the only thing I could think of the fix it.
  3. Yes, I'm sure they would rate you on your race, if they didnt think there would be a huge stink about it! But I did forget one very BIG rating factor. CREDIT. Bad credit=higher rates. Good credit, good rates. What most people dont know is that you do not have to give Geico your social security #. You can tell them you dont want them to check your credit. And be careful, they are sneaky--even if you dont give your SSN, they will still run your credit based on your name and home address. So be sure to tell them that you dont want your credit checked. Unless of course you have A+ credit, then that can only benefit you. Now, Progressive, they wont even give you a quote unless they can run your credit, but Geico isnt that way. They sure will try to get you to think that you need to give your social. My line used to be, "In order to get you the most accurate quote, I will need to access your credit score." I guess it was intimidating because 99% of the time, they would rattle off their social to me.... Anyway, just another head's up.
  4. Sorry you feel that way. But my opinion is that sometimes you gotta do whatcha gotta do. If you dont feel comfortable with it, that's fine. Unethical? I never said I was a good girl..... I just never understood it when a person with a high school education, a manual labor job position, and a perfect driving history would pay higher premiums than say an accountant who's had 2 at fault accidents and even a ticket or two. Doesnt make sense to me. What will they think of next? Rating by statistics of a person's race? I do, however, appreciate your opinion.
  5. I was an insurance agent for Geico for a while, and I did alot of underwriting, so I know what they base their rates on. Frankly, I dont think its fair how they pick and choose who to give the best rates to, so I dont mind sharing my insider knowledge with anyone. Various things are going to affect your rate. There are some things you cant change; your vehicle type, your age, your driving history, etc. But here are some things that CAN help ya. To get the best rates, you'll need a good education. So if you dont have a Bachelor's degree or higher, you wont get preferred rates. (I recommend telling them you have a Bachelor's, Master's, Doctrate, etc.) You'll also need what Geico considers a "good" job. Each job is given a rating, 1 thru 5. 1 is good, 5 is bad. Accountants and teachers are a 1. Lawyer's and Doctors are 2's. Insurance agents are 3's. Plumbers and the like are 4's. Waiter and other blue collars are 5's. Hint: You wanna say you are a 1!! Marital status: Being married is the best case. But if you say you are married, you must have your spouse rated on your policy too! If you aren't married, single is the next best thing. Divorce or widowed comes in last. If you aren't married, you'll need to state that you have children, this will get you back to a "married rate". (Single with kids is better than divorced with kids.) Driving history: When giving your driving history, its best to just say that you cant recall any tickets or accidents. If they are any on your record, they will find out and let you know before you get your policy. (they run DMV reports real-time and can look at your driving history while on the phone with you). If you try to be honest and admit to a ticket you got a year ago, and then it doesnt actually show up on your report, they'll charge you for it anyway! So zip your lips until they let you know what's on your record! If something comes up, you just say, "Oh, I totally forgot about that, I'm sorry." I almost forgot these: Yes, you are a home owner!!! Renters wont get as good a rate! You have been at your residence for 5+ years! You have been with your current insurance company for 5+ years! They do not verify anything other than your driving history. They'll never know you are a highschool drop-out and a waiter. Or that you're divorced and have no children. They can however see anyone who has their driver's license registered at your address, so if you have any roomates or anyone you dont wanna include on your insurance, they either need to have their own policy or you could just say that it must be someone whol lived there before you and that you have no idea who that person is. Ok, I think that covers nearly everything. Oops, forgot discounts. If you use the criteria above, you will probably be eligible for the 10% discount for taking defensive driving, its good for 3 years, you can take it online, and it is SOOO worth it! Be sure they know your car has airbags, abs, passive security system, VIN etching on all windows and Lo-Jack (only if you have lo-jack, they may ask to see proof of this one). You could say you are military, E-6 and above get better rates. Any government employees may get a discount (think occupation: teacher; Get a discount for working for the school district!) Also, affiliation with certain credit unions or alumni groups can get you a discount. I know Navy Credit Union is one of them. All discounts may not be available to everyone based on your state laws and what-not. And you may find some questions I havent covered. But I am a licensed agent in Texas, so all of this is correct for anyone in this state. Get a quote online at www.geico.com using your REAL info, then try it again (different email addy) using the tips I have provided and lemme know the difference. ;) P.S. I'm not pushing Geico on anyone, this is just the co. that I had worked for and I know their underwriting. Underwriting is different for each insurance company...
  6. Mine's a flickerin' too! But just a little, and only on the speedometer. But I'll live with it rather than part with a grand!
  7. Ok, that sounds pretty positive. :) Hopefully he can get it in and outta the shop in a day. I'd hate to be without my car for an entire day though! AHH!
  8. The ECT is near your shifter handle thingy-ma-bob. Its a little button you can push to turn it off and on. My neighbor (holy firestone mechanic ) said it would wear on the tranny, so I have never used it. Is it just more power or what? My 93 has just over 150k and has never had the timing belt changed. It came with all of the service records and I didnt see anything for a timing belt, so I dunno...
  9. I've only had the car a few months and I dont know when the brakes were last changed. But I am positive there is a leak somewhere, because yesterday it happened again....Brake light came on, brakes went to the floor, had to fill it up with fluid yet AGAIN! Ao that is definitely it. I am taking it to a friend who has a shop in town. Hopefully it wont cost me an arm and a leg to fix...right? Please tell me I wont have to re-mortgage the house!!
  10. My red BRAKE light in the dash has been lit off and on this past week. I've added brake fluid. That kept it off for a day. Then it will be back on again. The brakes go all the way to the floor when this light is on. Also, my cruise wont work while it is on, safety feature maybe? Any ideas as to what is wrong? Brake booster was one theory, any others?
  11. Actual cash value minus depreciation. You'd probably end up getting screwed if your car is financed. This is coming from a prior property & casualty insurance agent. ;)
  12. I am a nurse, a chef, a maid, an accountant, a psychologist, a teacher, and I have many many other odd jobs. I'm a stay at home Mama to a Kindergartener, a First Grader and a soon to be 3 year old. And a wifey to "Super Man". Well, almost superman anyway! Beat That!!
  13. And what's a branded title?? I've never heard of that.
  14. Ok, so it is probably not me that is the problem? Phew! But now I have to fork out a few hundred? :whistles: I can get the ecu thing and new keys off eBay can't I? Hope so.... And now today, my radiator cracked, so here goes even more $$. Oh well, it's still worth it to drive such a beautiful car. :) Thanks for the help! Greatly appreciated! :) *~Mama~*