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Which Insurance Broker would you recommend:

Insurance Depot
718-921-2300
Info@insdepot.com

Recommend by -Z56


Trumper Insurance
845-356-1899

Recommend by -Yammer
« Last edited by Z56 on February 15, 2017, 02:42:03 PM »

Poll

How much liability insurance do you think is prudent?

Statutory minimum
20 (14.6%)
100k
31 (22.6%)
200k
9 (6.6%)
300k
44 (32.1%)
500k
18 (13.1%)
750k
1 (0.7%)
1m
7 (5.1%)
more than 1m
7 (5.1%)

Total Members Voted: 137

Author Topic: Car Insurance Master Thread  (Read 63284 times)

Offline dd321

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Re: car insurance
« Reply #30 on: June 12, 2011, 07:32:15 PM »
looks vry good. what company u get from?

Offline Dan

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Re: car insurance
« Reply #31 on: June 12, 2011, 07:57:51 PM »
So what does everyone here pay for insurance?  Post your policy details here!
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline muttman

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Re: car insurance
« Reply #32 on: June 12, 2011, 11:27:29 PM »
2009 Honda Accord (Leased)
Monsey NY
25 years of age

$606 per 6 month



Bodily Injury Liability   
Current Limit: $100,00/$300,000
 
Property Damage Liability   
Current Limit: $100,000
 

Residual Medical Payments   
Current Limit: $10,000
 

Supplementary Uninsured Motorist   
Current Limit: $100,000/$300,00

    
I take no responsibility for the results of your actions

Online bubkiz

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Re: car insurance
« Reply #33 on: June 13, 2011, 02:29:57 PM »
Which company?

Offline est

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Re: car insurance
« Reply #34 on: June 13, 2011, 09:55:22 PM »
looks vry good. what company u get from?
travelers

Offline Dan

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Re: Auto Insurance
« Reply #35 on: July 01, 2011, 12:43:07 AM »
So how do you know how much liability coverage you need with auto insurance?  Or which other coverages I should get or should get rid of?
Geico lets me adjust all these limits online, but frankly I have no idea what I need.

This is what I have now with Geico for an '11 Altima that I own.
My wife (23) and myself (26) are insured to drive.
6 month premium: $313.45.
-Bodily Injury Liability: Up to $300K per person/$300K per incident, $75.78 premium
-Property Damage Liability: $100K, $50.54 premium
-Medical Payments for passengers in your car: None
-Uninsured Motorist Bodily Injury: Up to $300K per person/$300K per incident, $12.27 premium
-Underinsured Motorist: Up to $300K per person/$300K per incident, $5.42 premium
-Comprehensive: $100 deductible, $43.69 premium
-Collision: $500 deductible, $115.74 premium
-Uninsured Motorist Property Damage: None
-Emergency Road Service, $1.69 premium
-Rental Reimbursement, up to $30/day, $900 max, $8.32 premium
-Mechanical Breakdown Insurance (Must be added within 15 months of purchase, $16.92 premium for extended warranty valid for the 7 years of a car with a $250 deductible): None.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline Avid Reader

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Re: Auto Insurance
« Reply #36 on: July 01, 2011, 08:15:44 AM »
So how do you know how much liability coverage you need with auto insurance?  Or which other coverages I should get or should get rid of?
Geico lets me adjust all these limits online, but frankly I have no idea what I need.

This is what I have now with Geico for an '11 Altima that I own.
My wife (23) and myself (26) are insured to drive.
6 month premium: $313.45.
-Bodily Injury Liability: Up to $300K per person/$300K per incident, $75.78 premium
-Property Damage Liability: $100K, $50.54 premium
-Medical Payments for passengers in your car: None
-Uninsured Motorist Bodily Injury: Up to $300K per person/$300K per incident, $12.27 premium
-Underinsured Motorist: Up to $300K per person/$300K per incident, $5.42 premium
-Comprehensive: $100 deductible, $43.69 premium
-Collision: $500 deductible, $115.74 premium
-Uninsured Motorist Property Damage: None
-Emergency Road Service, $1.69 premium
-Rental Reimbursement, up to $30/day, $900 max, $8.32 premium
-Mechanical Breakdown Insurance (Must be added within 15 months of purchase, $16.92 premium for extended warranty valid for the 7 years of a car with a $250 deductible): None.
$313.45 for 6 months of nearly full coverage? lol... what a bargain.

I'd get the "Medical Payments for passengers in your car". It came in pretty handy for me many years back (I was in someone else' car).
You probably don't need the Emergency Road Service,  since you have AAA, bu for a $1.69 premium, why not.


Offline henche

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Re: Auto Insurance
« Reply #37 on: July 03, 2011, 05:03:57 PM »
This is what I have:

Geico
28 year old. Clean record.
98 Honda Civic.
Liability only, 50k
$149 for 6 months

Offline elikay

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Re: Auto Insurance
« Reply #38 on: July 03, 2011, 05:39:27 PM »
Basically, liability should be at least 100k or whatever you have in assets (and can be sued for), whichever is more.  Technically if someone has no money they only need the minimum required by law, however there is way to high of a chance that you'll have an headache since in case of a serious accident your insured amount may be easily surpassed. However, if you've already paid for all damage etc.. and the victim is only looking for an oportunity to sue for big $$$, they will back off pretty quickly if they realize that you have no assets beyond your coverage amount.
I beg to differ about medical coverage, if your spouse/children have health insurance it is a redundant coverage. (As is unisured motorist and collision IMHO besides the deductible difference, I'd love to have someone explain it to me, my insurance company couldn't).

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Re: Auto Insurance
« Reply #39 on: July 03, 2011, 09:34:46 PM »
Medial coverage gives more then what your medical insurance pays for. It could pay a certain amount of lost wages due to inability to work, pain and suffering etc.

Offline Dan

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Re: Auto Insurance
« Reply #40 on: July 25, 2011, 12:57:51 AM »
So how do you know how much liability coverage you need with auto insurance?  Or which other coverages I should get or should get rid of?
Geico lets me adjust all these limits online, but frankly I have no idea what I need.

This is what I have now with Geico for an '11 Altima that I own.
My wife (23) and myself (26) are insured to drive.
6 month premium: $313.45.
-Bodily Injury Liability: Up to $300K per person/$300K per incident, $75.78 premium
-Property Damage Liability: $100K, $50.54 premium
-Medical Payments for passengers in your car: None
-Uninsured Motorist Bodily Injury: Up to $300K per person/$300K per incident, $12.27 premium
-Underinsured Motorist: Up to $300K per person/$300K per incident, $5.42 premium
-Comprehensive: $100 deductible, $43.69 premium
-Collision: $500 deductible, $115.74 premium
-Uninsured Motorist Property Damage: None
-Emergency Road Service, $1.69 premium
-Rental Reimbursement, up to $30/day, $900 max, $8.32 premium
-Mechanical Breakdown Insurance (Must be added within 15 months of purchase, $16.92 premium for extended warranty valid for the 7 years of a car with a $250 deductible): None.
Got rid of Rental Reimbursement and took down my coverages from 300/300 to 100/300 and my 6 month premium is now $297.29.  Refund check is in the mail...geico makes this too easy to play with online :)
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline cshia

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Re: Auto Insurance
« Reply #41 on: July 25, 2011, 01:09:50 AM »
i have metlife. in monsey ny 2011 honda accord im 23 yr paying little under $1300 a year.

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Car insurance- How much coverage?
« Reply #42 on: August 24, 2011, 12:10:21 AM »
I will be buying car insurance very soon. What are the coverage amounts I should be getting?
Also, is AAA insurance recommended?

Offline smurf

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Re: Car insurance- How much coverage?
« Reply #43 on: August 24, 2011, 12:11:04 AM »
Paging Bades...

Offline smurf

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Re: Car insurance- How much coverage?
« Reply #44 on: August 24, 2011, 12:25:05 AM »
I will be buying car insurance very soon. What are the coverage amounts I should be getting?
Also, is AAA insurance recommended?
Are you wondering about AAA's prices or service?
Price wise it'll depend on your situation my friend just got a great price from them while I was quoted more then double what I'm paying now with Progressive.