Overhaulin'

Car insurance quote dispute! What can I do?

To make a long story short, I was quoted a price for car insurance for my 2 cars from a broker. I told her I would sign on for the insurance for the quote she gave me. She sent me an email with papers to sign off on with only 1 car on it. I called her and she told me she made a mistake and will add the the other car. I asked her what the price difference was and she told me little to nothing (after she she checked on her system). I got a letter a month later stating that the price of my insurance was $300 more than the quote. I cancelled right away explaining that wasn't the quote I got. I then later got a letter stating that I was going to be taken to collections if I don't pay $875 for being insured for 30 days, which is the cancellation fee which is 15% of the premium. The insurance company is telling me that I agreed to the contract by signing on for the insurance regardless if it was a different quote. How can I fight this?...PLEASE HELP!!! @Barry-Thanks for responding. Well, to answer your questions, I have 1 recent speeding ticket on my record and that's the only thing on my record. I do not have performance cars, and I'm in my mid 30's. I've been dealing with this particulary broker for a few years, but recenlty I was dropped by my previous insuracne company due to getting this one ticket. The broker found me this insuracne company and now since she knows there is a problem, she does not return my calls. I have spoken to her boss and I just keep getting told that I have to speak to the broker and the only way that the fee can be waved or even discussed in regards to cutting it down, is that the broker herself has to admit she made a mistake, which she will not do because the fee will then come out of her personal pocket.

Public Comments

1. if you signed up for it, you have to pay it, plain and simple. never believe anybody that says it costs "little to nothing" extra to insure a vehicle, even with a multiple car discount it still has to cost extra otherwise everybody would be insured with 20 other people in their family. the paper that you signed should have the price that she gave you, if it only has the quote for the one car, then you can cancel the insurance on the car that wasn't on the quote, but it's unlikely that that will end in your favor as multiple car discounts are pretty hefty and you would have to insure the second vehicle all by itself... review your paperwork and read the fine print, if the cancellation fee is in it, there's nothing you can do really.
2. Are you saying that you owe $875 which is 15% of the premium? If so, the premium looks to be around $5,850.00. That's a really STEEP premium for two cars unless you have bad driving records, performance cars, are under 21 or 25 in age, etc. etc. In any event, your agent is the first place to go to attempt to straighten out this situation. It is rare for an insurance carrier to send someone to collections. Is there a "premium finance company" involved in this? If so, that financing company is most likely the one threatening to send you to collections. You need to fill in the blanks here to get a better answer.
3. You're probably obligated to pay what's on the contract you signed. What you were promised means nothing. You've heard it before and I'll say it again. "get every promise in writing before signing a contract and get a copy. All changes to a printed contract must be initialed and they must above your signature and the agents signature.
4. You can take her to small claims court....but I doubt that you will win. $5800+ premium for two cars ? Wow !