I didn’t save as much as Cooper’s Dad – it was only about $600/yr, but I purchased better coverage. Make sure you have the best yet most affordable car insurance coverage to protect your new driver. Finding the best car insurance or even the cheapest car insurance in California requires research and comparison shopping.
5For members with liability-only or other limited coverage with AAA’s affiliate insurer, roadside assistance service is provided under your membership , and may be subject to membership restrictions. Repairs, rentals, and other benefits are subject to policy coverages and limits. When it comes to Mexico car insurance there are a number of misconceptions regarding its importance. Many believe that “no insurance” means you will get a slap on the wrist, pay a $20 fine to a police officer, and then be on your way—because it is Mexico. Social distancing requirements and business shutdowns covering an estimated 95 percent of the U.S. population have resulted in less driving and fewer accident claims, the companies said.
Renters’ insurance coverage1 even extends to personal property in your car. Renters insurance typically covers losses to your personal property caused by fire, smoke damage, sudden and accidental covered water damage, thefts, burglaries, vandalism or vehicle damage. Let’s say that you are in a car accident with a driver who ran a stop sign at a four-way stop.
If your car is more than 10 years old and has a low replacement cost, you might be able to forgo this coverage. Minimum coverage isn’t recommended because it’s typically not enough to pay for even minor accidents, leaving you responsible to pay for the balance of medical and repair bills. However, if you have an old car that’s not worth much and no savings or assets, state minimum liability coverage will suffice. Yes, State Farm has a grace period of 10 days for payments, with specific timeframes varying based on state law.
Pricing And Discounts
A short time after I got my license we switched to state farm and saved about half over Allstate but the premiums have crept back ip to where they were before the switch. I need to see if any of my corporate or professional association discounts are really worth it. I’m surprised you don’t escrow on your own for this type of large payment.
Both companies provide drivers with affordable car insurance coverage and a wide variety of discounts. You’re required to carry state minimum coverage car insurance, and we generally recommend drivers maintain comprehensive and collision coverage as well. However, you can drop extra coverage to reduce your premium. As your vehicle ages, comprehensive and collision policies may not be as useful. If you have homeowners insurance, rental insurance, or insurance for anything other than your car, it may be worth purchasing these policies from the same company that handles your car insurance .
But if hurricanes or severe hail storms start coming in that definitely could raise car insurance prices in Tulsa. Most insurance companies, including State Farm, check to costco auto insurance see if a claimant followed a few steps during the claim. Delaying a trip to a hospital after a car accident could give the insurance company a reason to deny your claim.
Based on shopping patterns over the last three months, Allstate has moved to the front of the pack, capturing nearly 28% of all quote volume during that period. Allstate has performed particularly well in select metro areas such as metro Dallas – Fort Worth area, where its share is even higher. Capturing the Lone Star State would be a key pick-up for Allstate given the state’s market size and growing population trends. It’s likely a combination of factors that include consumers becoming more bullish about their financial outlook, coupled with customers awaiting indicators of “normal” after making policy changes last year.
Many of these carriers will only offer state minimum liability limits due to the risk that bad drivers can bring. But just because you are a high risk driver does not mean that you can find affordable car insurance. To purchase a non-owner auto insurance policy, you need only your driver’s license number and a credit or debit card. You can get proof of insurance almost immediately by e-mail, and the car insurance company you choose can file an SR-22 or other required state form on your behalf, if you need it. It’s important to look at your insurance coverage options as soon as you know that you’re facing cancellation during your insurance policy term.
JAKE FROM STATE FARM: Do they—do people even do Viking funerals anymore?
MORTICIAN: Nope. That’s how happy I am with my car insurance.
— scott crisp (@scottcrispson) October 23, 2021
Try to find where the car repairs were done, and research the reputation of the mechanics that did the work. If possible, review the seller’s repair records and receipts, so you know how much work was required. You can do this through VINCheck , which is free, or pay to get a vehicle history report from Carfax, AutoCheck or theNational Motor Vehicle Title Information System . That way you can determine what significant damage was done and why it was totaled. CarFax and other private companies also offer information on a vehicle’s history.
If you anticipate being out of work due to coronavirus for longer than your insurer’s available grace period or payment plan terms, the company may suggest this option. However, pausing coverage will leave you uninsured while you’re looking for work. We believe everyone should be able to make financial decisions with confidence. The mobile app is not for most drivers, only those who take part in the Safe Auto telematics program. Below is a list of the average rates that drivers typically pay with State Auto and Farm Bureau Mutual .
You can purchase insurance online or through an Allstate agent. Allstate offers several options for discounts that can bring down your policy costs significantly. It also offers several types of insurance so you can have all or most of your policies with 1 insurer. Almost every state in America requires some type of car insurance. And laws aside, driving without insurance can pose a huge financial risk to you and other drivers.
They understand and I believe truly have my interest at heart. We constantly monitor our competition, user activity, and journalistic awards. We scour and scrutinize blogs, sites, aggregators, RSS feeds, and any other available resources, and editors at all levels of our organization continuously review our coverage. According to our research, rates drop significantly after the age of 25. You will then see your insurance costs go down year by year until the age of 70, when they begin to rise again. Connie, our Customer Relations Representative, has lived in the Columbus, OH area for over 25 years with her husband and their 3 children.
State Farm’s rideshare endorsement extends your coverage limits during period 1, 2 and 3. This means that your personal deductible will be in effect any time you are behind the wheel, no matter which TNC you’re driving for, or which period you’re in. If you have other coverages such as medical, towing and rental car coverage, these too will be in effect while you’re driving for Uber, Lyft, or others. Illinois has a big selection of rideshare-friendly auto insurance options. We have included agents that we recommend because they understand the unique needs of rideshare drivers and how to set up the policies correctly with each of these companies for rideshare drivers.
Suspending your policy probably isn’t an option if you have a car loan. Lenders generally require that you maintain coverage for problems such as theft and vandalism. The vehicle won’t have insurance against nondriving problems like fire, animal damage, vandalism or theft. You likely won’t have a coverage lapse, something that could increase your future rates. The vehicle might not be usable if anyone wants to drive, depending on how much you scale back coverage.
Employees of State Farm agents must be able to successfully complete any applicable licensing requirements and training programs. State Farm agents are independent contractors who hire their own employees. State Farm agents’ employees are not employees of State Farm. You are leaving AARP.org and going to the website of our trusted provider. Please return to AARP.org to learn more about other benefits.
An endorsement attached to a policy pursuant to this subsection requires no further notice beyond such endorsement. An insurer shall give notice of premium due not more than 60 days or less than 30 days before the due date of a renewal premium. The notice must clearly state the effect of nonpayment of the premium on or before the due date.
State Farm was rated the top insurance provider for customer satisfaction in the New York region and the Mid-Atlantic region. There are many, but two of the most common are life State farm car insurance and health State farm car insurance. Life State farm car insurance provides financial compensation to family members or other beneficiaries in the event of death. Health State farm car insurance helps pay for medical expenses, which can be extremely costly.
If this is claimed against uninsured motorist coverage, which everyone should have, it will not count against the person making the claim. I went through about the same thing over a year ago with my son’s car and my insurance actually went down. He was hit in a parking lot, the truck owner gave us her insurance info, but because her boyfriend was driving, and he was not on the policy, they denied the claim. So I filed it with my insurance and they paid for the repairs, except for my $250 deductible, and sued the owner and her boyfriend. I got a letter from them a couple of months ago that there was nothing to recover, so sorry they would not be getting my deductible back. This was a $4,000+ claim, so no way I would not have used insurance.
Places Near Shoreline, Wa With State Farm Auto Insurance
Our neighbor had no problem & had their whole roof replaced, while State Farm’s Claims department says our houses has NO hail damage. I have pictures and videos of the hail that was hitting our house. The roofing contractor we’re working with has been out 3 times, taking pictures of different 10×10 roof sections each time as required.
Get a free car insurance quote from the industry leader or learn about available policies. Progressive’s Snapshot program personalizes your rate based on your actual driving habits, which can not only help good drivers save money, but it can help drivers with a record lower their premiums over time. Progressive offers an average discount of nearly $37 off your first policy period just for signing up for the Snapshot program, and most drivers save an average of $146 a year with the Snapshot program.
If you are in a car accident and have State Farm auto insurance, here are some steps that you should follow after an accident. Comprehensive coverage pays for damage to your vehicle resulting from extreme weather, theft, or vandalism. For example, you would be able to replace your vehicle if it was stolen and totaled. Collision insurance pays to fix your car after an accident even if you were at fault. Savings and discounts are subject to eligibility conditions.
The end result was an overall rating for each provider, with the insurers that scored the most points topping the list. The cheapest type of car insurance depends on what’s required in your state. Many states only require liability insurance, so you can get by with a simple liability policy. Other states require medical coverage and uninsured/underinsured motorist coverage, so the cheapest auto insurance policy for you will have to at least include those types of coverage. The nation’s third-largest auto insurance company, Progressive covers millions of vehicles per year and can be one of the most affordable choices for coverage.
State Farm truly shines in its personal service, with nearly 18,000 agents across the country, there’s likely one or more agents close to where you live, so it’s easy to get responsive, helpful service when you need it. Claim DenialOur research discovered that customers have expressed concerns about potentially getting their claim denied after an accident. Uneducated AgentsSome consumers complain about discussing policy options with a seemingly uneducated or uninformed State Farm agent. Mobile Application – Its state-of-the-art mobile application also helps it stand out from its competitors. Good driving, Good student and Vehicle Safety discounts may also be available—and you’ll also want to ask about discounts if your vehicle has a passive restraint device (like a factory-installed air bag) or an anti-theft device.
That can be hard to deliver because of baked-in industry challenges, like customers who carry different types of insurance products, she said. The “redesign” of insurance claim departments by State Farm, Allstate, Farmers, USAA and other insurance companies harms policyholders and consumers. The courts have held these insurance companies responsible for wrongful conduct in redesigning claims departments to stop fairly paying claims in order to maximize corporate profits.
Allstate even offers replacement value coverage, which will give you the actual replacement value of your car if you total your vehicle. This can be a very important coverage if multiple adults in your home each rely on a vehicle and you can’t afford to take time off to save for repairs. You need to strike a balance between enhanced coverage and affordable rates. Allstate offers a number of bundled discounts that you can use to save when you insure more than 1 vehicle. Insurance is governed at the state level, so while many basic coverages will be similar, there are some different approaches on coverage options, depending on the state in which you reside.
Update your policy at any time in the My Policies section of your My Account profile. Go to the My Policies section of the Allstate® Mobile app to change your address directly from your mobile phone or tablet. In what cases do you have to fill out an insurance claim form?
Health State farm car insurance is paid for by employers and employees, by the government, or by both. Different types of State farm car insurance cover may pay benefits for different reasons. For example, homeowners’ State farm car insurance offers protection from property damage to your house, and car State farm car insurance provides protection from injury or death to your car. The reason for this is that both homeowners’ and car State farm car insurance are purchased to provide protection during a particular time in your life.
How does comprehensive coverage differ from collision coverage? Some people believe they will be covered by their US auto insurance policy. To help you determine which insurance company is best at paying claims, the This Old House Reviews Team created a guide focused on claims handling. Real customers were asked about their claims experiences with the nation’s top homeowners insurance companies. Homeowners insurance protects your home from structural and property damage, but only if your insurance provider is willing to approve the claims that you file.
The more quotes you get the cheaper your insurance is in most cases. If you do choose an online comparison site for your insurance needs it is important to remember that site in most cases is not your actual insurance carrier. They are the middleman and mostly just help you get the policy started initially and do not service the policy going forward. The insurance carrier they set you up with would be responsible for servicing the policy going forward.
- They’re currently the only place online you can get on-demand primary and supplementary insurance for your rental car.
- After a car accident, you might find that your or the other person’s insurance company doesn’t want to cover all or part of your claim.
- Rest easy knowing your family is taken care of with one of the top writers of individual life insurance in Tennessee.
Gabi leverages insurtech to provide you with the most affordable coverage. Gabi shops around for the best auto (and home, if you’re into bundling coverage for a potentially lower rate) and shows you the best rate available, allowing you to compare coverage from several providers at once. State Farm has a way that every driver can save, from bringing home good grades as a student driver to combining your auto policy with your homeowners insurance. Here, we’ll walk you through what car insurance is, what it covers (and what it doesn’t!) as well as what affects your car insurance rate.
Regardless, military personnel and eligible dependents can save money through State Farm with a variety of supporting discounts. You should never commit to a single insurance provider without getting a few quotes and shopping around. As a result, State Farm offers discounts to military personnel or dependents that own safe vehicles. The company has a list of qualifying courses and requirements in order to receive the insurance discount for military. Companies don’t always let customers suspend coverage, or might allow it only in certain situations.
Fair Isaac does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating. After a car accident, if you’re insured with State Farm auto, you should contact the company as soon as possible to get the claims process started. This article lets you know what to expect when filing a car accident claim with State Farm, and discussing the accident with your adjuster.
State Farm isn’t generally seen as the cheapest car insurance company, and they don’t advertise that way. They’ve always focused more on what they offer in terms of service and coverage than on their rates. Enter your ZIP code in the free online quote tool to see how local area auto insurance quotes work for you – you may have the opportunity to compare Progressive vs. State Farm auto insurance quotes.
We researched each insurance company’s financial strength using AM Best’s ratings. But most car insurance companies simply include age as one factor in their overall calculation of your premium. That means that car insurance is one area where you likely won’t get to enjoy a senior discount just for passing a milestone birthday. Overall, with excellent scores for claims satisfaction and a long list of discounts, Amica is our runner-up pick for best car insurance company for older drivers.
This is based on data that married drivers are less likely to turn in a claim. The other category that comes in to play is widowed drivers. Generally, these drivers have cheaper car insurance than other single people do. Nonstandard auto insurance companies are becoming more and more common especially with some of the big players really starting to enter this market. It is the fastest growing insurance sector currently and we see it continuing to grow. Nonstandard auto insurance companies specialize in providing high risk drivers with affordable basic auto insurance coverage.
We recently moved to GA and with lil’ ones at home is hard to shop around for anything. Blake reached out and I am so glad he did, he was very informative, professional and great service. Blake is a real agent that took care of our insurance needs and best yet, price was just right.
Saving $1800 a year now means I don’t have to worry about the SFPP (though pay-by-the-month is standard with Liberty Mutual). If your policy is renewing today, then instead of paying $1,200 upfront now, with SFPP you pay $100 per month spaced out over the next 12 months. So you’re gaining some additional float time on your money.
The number and amount of your liability insurance claims are kept on record for a period of 7 years. This includes claims against your home insurance as well as auto insurance and any other liability policies you have, such as an umbrella policy. Insurance companies can use this information to determine when a particular customer’s risks outweigh the benefits oh auto insurance of providing insurance to them. A good insurance agent would have explained this fact to you. PIP normally offers a death benefit up to the coverage amount that you have for the person who has been injured. This is the type of coverage you want included in your policy if you want coverage for the individuals in the car at the time of the accident.
You’ll see a selection of nearby agents during the quote process. State Farm’s website and mobile app allow you to perform most tasks without needing to get in contact with your agent. Here’s the personal information you will need to get a quote with State Farm.
To view a full list of products that are available, visit State Auto and Farm Bureau Mutual Insurance page. Before you make your decision between AAA or State Farm for car insurance, short term auto insurance be sure to use the free tool on this page to compare quotes from many different companies. Overall, State Farm is the cheaper company for types of drivers by age.
The company also has the option of Unlimited Non-Owned Car Coverage , which serves as additional protection for drivers who choose to rent vehicles. The largest insurer in the United States, State Farm is a Fortune 500 company with a rating of A++ from A.M. Contact an agent or insurance company representative to discuss your needs. The agent will ask about your driving history and where you live to verify that there is no vehicle connected to your address.
Customers can also request roadside assistance through the app. Additionally, State Farm offers coverage for other vehicles, like motorcycles, boats, and off-road vehicles. You can bundle your auto coverage with one of its other insurance policies. Over the past century, State Farm has grown into a national name for a variety of insurance products, including car coverage.
Notably, drivers can add coverage for damaged custom and original parts. However, Progressive offers gap insurance, which protects the policyholder financially if their vehicle is damaged before the car’s lease or loan is paid off. State Farm tends to offer cheaper coverage than Geico for most people. However, Geico’s rates are more affordable for drivers with poor credit. ValuePenguin’s analysis shows that Geico’s rates for these drivers are $293 cheaper per year than State Farm’s.
For everything you need to know about getting your vehicle fixed and compensation for property damage, check out Vehicle Damage After a Car Accident. To learn more about negotiation and settlement of an injury claim trustage auto insurance after a car accident — including how to value a claim — check out Car Accident Settlements. Once State Farm has completed its investigation of your claim, your adjuster or agent will offer you a settlement amount.
In fact, you may be searching for another lawyer because you feel your current one is not representing you to the best of his ability. Sadly, that is often the case with law firms – they sign on multiple clients at a time and then give a tiny amount of attention to their cases, often just enough to reach a quick settlement with the insurance company and move on. This is a great disservice to the client and can negatively impact lives, all for the sake of a paycheck.
// I work at State Farm. The biggest insurance company in all of the USA for auto and home insurance, and second for life.
My parents work as an HVAC tech and a hardware store employee.
— Tsuyu Asui (They/Them) (halloween event!!) (@1AFroggo) October 25, 2021
It’s an encouraging sign for an industry that has historically enjoyed high retention rates. But with customer shopping patterns stabilizing at the national level, acquisition battles will increasingly shift to the states. As consumers hunkered down under stay-at-home orders last spring, with their mobility limited and their bank accounts braced for financial uncertainties, they embarked on a flurry of auto insurance shopping activity. Power’s new real-time shopping tracker – Loyalty Indicator and Shopping Trends – shopping activity surged as high as near 20% in the early part of the pandemic, as customers looked to cut expenses.
Even though I have car rental coverage, that only lasts for so long. Also, since I’ve only had 5 claims in nearly 40 years with State Farm it hasn’t had an effect on my rates. What people are really looking for is someone to help manage the risk of everyday life. That’s what I do, along with my incredible team of experienced team members, working together to give customers a first – class experience with insurance and financial products from an industry leader.
I find this very strange and curious that they would go on the assumption from unverified source instead of contacting their long term customer. You can benefit from a variety of discounts with State Farm that keep your policy more affordable. Service lines coverage provides financial protection if underground lines that belong to you need repair or replacement.
They may not be willing to provide comprehensive coverage, which protects you in the event of damage to your car that isn’t due to an accident. It would cover things such as theft, vandalism or damage from a natural disaster. You also may be unable to obtain collision coverage, which covers your vehicle if it’s damaged in an accident. I haven’t talked to my insurance company yet, but my online research leads me to believe that for most insurance companies, you just need to request either Rideshare or Livery insurance, depending on the company. It adds, like, $25 to your policy and extends your policy to cover you while you’re actively delivering.
“Get the best coverage and rates for everything at one place.” “I have had to file many claims and have been satisfied with the result every time.” For this reason, one of State Farm’s tricks is to do everything it can to keep you from retaining an attorney to represent you. Adjusters will reach out to you quickly after an accident, swooping in with a settlement offer that’s actually far less than you deserve. Victims must understand their options to manage pre-settlement expenses.
As California is the most populous state in the U.S., the California Complaint Ratio Study is commonly used to give consumers an understanding of the customer satisfaction level of each insurance provider. AAA again was not included in this study, so for this review, we’ll use the ratings assigned to Auto Club of Southern California. Auto Club of Southern California received an overall customer satisfaction rating of 3 out of 5 stars; State Farm was given the same. These scores indicate above-average customer satisfaction levels for both companies. The J.D. Power Auto Insurance Study took the aforementioned elements into account to create an impartial picture of how companies such as AAA and State Farm compare.
Reaching a fair settlement agreement takes both significant negotiation skills and an understanding of the law. Parties who are unfamiliar with the process are putting themselves at a distinct disadvantage if they choose to represent themselves in settlement negotiations. Luckily, the legal team of Stewart J. Guss, Injury Accident Lawyers, consists of skilled negotiators who know how to get insurance companies like State Farm to pay up. The fourth secret of handling a car insurance claim involves recognizing another one of State Farm’s sneaky tactics. State Farm and other insurance companies are well aware of the financial pressures that accident victims face. For this reason, they often take their sweet time when it comes to processing a claim.
Premium prices for car insurance decrease from the teen years through the 60s, at which point drivers 70 and older see a slight uptick in cost. Review the car insurance rates by age chart in this guide to estimate your policy cost based on your birth year and other factors. Texas is famous for being a big state, and with size comes a vast number of roads and highways that Texas drivers use every day. Make sure you and your car are protected with the right Texas car insurance policy. Whether you’re new to Texas or just looking for a better rate, GEICO is here to provide a fast and free car insurance quote for our outstanding coverage. GEICO delivers competitively priced auto insurance in Texas that comes with features like 24/7 customer service and a variety of car insurance discounts that could save you money.
Uninsured and underinsured motorist coverage pays your medical costs and damaged vehicle when you get tagged by a driver with no insurance or too little insurance. There are several other reasons to buy Mexico insurance including protecting your own car, travel assistance, or providing medical payments for the occupants of your vehicle in the event of an accident. When it comes down to it, though, the most important reason is that it is the law and your US policy doesn’t have anything to offer. First, by Mexican law, liability insurance in Mexico must be provided by an admitted Mexican insurance company .
Get instant online support and score a low rate thanks to online data that sets premiums automatically. Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims. State Farm charges around $12 per year for Emergency Roadside Service add-on coverage. This covers the first hour of labor, whether it’s a breakdown, extrication, towing or locksmith work. After that, you’ll have to pay for any extra expenses out-of-pocket. State Farm doesn’t limit the number of emergency roadside calls you can make or amount of coverage.
The system will search for vehicles associated with your address. You can select from the listed choices or enter your vehicle information manually. For each vehicle, you will be asked for usage information among other details. You can also track a claim on the website or through the app to keep on top of things. There are a number of ways to file a claim with State Farm.
It is estimated that over 90% of the people in the United States have health State farm car insurance. This is one of the most popular types of State farm car insurance, and it is estimated that at least 10% of the U.S. population has no health State farm car insurance at all. It can be a complicated matter, but health State farm car insurance can be a relatively easy task, provided you know what to look for. It is important to remember that the cost of health State farm car insurance may vary a lot depending on how much coverage you want, or how old you are.
Even such details as the victim’s age and type of vehicle can affect how much you may earn. State Farm settlements for a motorcycle accident may vastly differ from State Farm settlements for a truck accident, for instance. After a car accident, it is reasonable that arguing and haggling with an adjuster over a settlement amount is not high on your list of priorities. Throughout the whole process, they were keeping in touch with me and helping me get the best treatment possible. Have voluntarily completed within the last three years a motor vehicle defensive driving course that has been approved by the Director of the Division of Motor Vehicles. This discount is not applicable if you had a chargeable accident during the three year period after completion of the course.
What you need for car insurance in Houston may be different than what you need for car insurance in Austin, Dallas, or San Antonio. Be sure to gather as much information as you can to make the right decision about your car insurance needs. Helpful life insurance agents, who can assist you in servicing your policy, are just a phone call away. You can also check out our auto insurance coverages to ensure you’re protected from the unexpected. Make sure they are a trustworthy driver and have a good driving record.
My State Farm agent here in CO said I had to have whats called a TNC endorsement. Not saying your agent is an idiot thats only interested in selling insurance but many are. I called my local agent and she said not to even worry about it unless you actually have pax in your car. She had to call the big wigs first, then got back to me and told me what I said here.
The refunds also apply to Esurance and Encompass auto customers, two Allstate subsidiaries. “We believe they’ve overpaid in their premiums,” Jack Salzwedel, CEO of American Family Insurance, which is returning $2.3 million to customers, said earlier this week. “It’s our duty to return that premium because it belongs to them.” A high deductible will lower the overall cost of the policy, and vice versa.
Even today, customers who switch to Progressive save an average of $699 on their car insurance premium per year. The Progressive website even has a nifty tool that allows you to compare rates with competitors to find the best option. You also save an average of 4% if you bundle your auto with your homeowners or renters insurance. A BuzzFeed News report from August 2019 revealed that State Farm, Farmers and Erie Insurance are among a number of insurance companies that have paid off law enforcement to investigate customers for fraud. All of those companies have been excluded from this ranking.
The transparency and professionalism of service are unmatched. Mr. Dalton at Blake Dalton state farm is a hard working agent who cares about his clients and wants to provide the best for them. He recently helped me with some Life Insurance explaining in detail the products that he offers.
You may even get additional car insurance discounts and savings. Sometimes insurance agents calling to quote you can be a bother. But this call came at perfect time when I was facing 60% increase in car insurance. As long as they are local people and not scam artist we can give them a chance to quote us.