Topic Wiki

Which Insurance Broker would you recommend:

Nationwide- Spero
410-602-7723



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

Recommend by -Z56


Trumper Insurance
845-356-1899

Recommend by -Yammer
« Last edited by YSP on July 25, 2017, 03:42:14 PM »

Poll

How much liability insurance do you think is prudent?

Statutory minimum
22 (14.8%)
100k
34 (22.8%)
200k
9 (6%)
300k
46 (30.9%)
500k
21 (14.1%)
750k
1 (0.7%)
1m
9 (6%)
more than 1m
7 (4.7%)

Total Members Voted: 149

Author Topic: Car Insurance Master Thread  (Read 80125 times)

Offline shach

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Nov 2010
  • Posts: 654
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: upstate ny
fast course to reduce points on ny-license
« Reply #45 on: October 06, 2011, 07:37:49 PM »
is there a course that can be taken quickly(e.g.where you can speed up at your own pace, not be forced to take the course with a time minimum) to reduce points?

Offline yaakov s

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2010
  • Posts: 2411
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: fast course to reduce points on ny-license
« Reply #46 on: October 06, 2011, 08:06:56 PM »
Part of the course is to learn how to be patient  ;)

Offline shach

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Nov 2010
  • Posts: 654
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: upstate ny
Re: fast course to reduce points on ny-license
« Reply #47 on: October 06, 2011, 10:55:54 PM »
Part of the course is to learn how to be patient  ;)
i waited a two hours...now :P

Online sky121

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: May 2011
  • Posts: 10809
  • Total likes: 49
  • DansDeals.com Hat Tips 12
    • View Profile
Re: fast course to reduce points on ny-license
« Reply #48 on: October 06, 2011, 10:58:10 PM »
Part of the course is to learn how to be patient  ;)

lol
"Not all who wander are lost"

Offline sguitarist18

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jul 2011
  • Posts: 1017
  • Total likes: 9
  • DansDeals.com Hat Tips 5
    • View Profile
  • Location: NY
Re: fast course to reduce points on ny-license
« Reply #49 on: October 07, 2011, 12:23:48 AM »
If you take one online, you can read during the boring parts.

Offline mercaz1

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Mar 2011
  • Posts: 1661
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: NY
Re: fast course to reduce points on ny-license
« Reply #50 on: October 07, 2011, 11:35:35 AM »
you have to find a  place that will just sign off that you took the course and then it takes 10 minutes

there used to be a place in queens not sure if they are still around

Offline shach

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Nov 2010
  • Posts: 654
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: upstate ny
Re: fast course to reduce points on ny-license
« Reply #51 on: October 07, 2011, 11:43:23 AM »
i once took a course for geico where i was able to "click" through the whole course within 15 min., whereas when a difficult q arose i would click back for the answer. yet to reduce points i haven't found such a test. they all advertise no final exams and that means the time of the course is "enforced" ;)

Offline elikay

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2010
  • Posts: 5283
  • Total likes: 0
  • DansDeals.com Hat Tips 2
    • View Profile
Re: Car insurance- How much coverage?
« Reply #52 on: January 09, 2012, 10:12:28 PM »
I have a couple of questions/statements.
1.- Is there any reason to get uninsured motorist coverage if you have collision/comprehensive/PIP?
2.- Is there any reason to get uninsured motorist coverage for more than the value of your car?
3.- Any reason to buy PIP if you have health insurance which includes accidents?
And, if the answer to all of the above is no (as I'd assume), then:
4.- Any reason why (some?) states require you to get PIP even if you have health insurance (although only as secondary)?
5.- Any reason why (some?) states require you to get uninsured motorist protection even though PIP is already required!?
6.- Any reason why (some?) states require you to get uninsured motorist protection even if you have collision coverage (although only as secondary)?

Offline smurf

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Sep 2010
  • Posts: 4388
  • Total likes: 1
  • DansDeals.com Hat Tips 8
    • View Profile
  • Location: NJ
Re: Car insurance- How much coverage?
« Reply #53 on: January 09, 2012, 10:38:55 PM »
I have a couple of questions/statements.
1.- Is there any reason to get uninsured motorist coverage if you have collision/comprehensive/PIP?
2.- Is there any reason to get uninsured motorist coverage for more than the value of your car?
3.- Any reason to buy PIP if you have health insurance which includes accidents?
And, if the answer to all of the above is no (as I'd assume), then:
4.- Any reason why (some?) states require you to get PIP even if you have health insurance (although only as secondary)?
5.- Any reason why (some?) states require you to get uninsured motorist protection even though PIP is already required!?
6.- Any reason why (some?) states require you to get uninsured motorist protection even if you have collision coverage (although only as secondary)?
In regards to 1 and 2,
1- A friend of mine got his car totaled by an uninsured driver, the uninsured driver coverage he had wasn't enough to cover the cost of his car so it had to comeout of his collision which fwiu isn't good for your rates.
2- Also the accident caused damage to another car which also had to be payed out of his insurance.
Typically the uninsured coverage isn't too high of a premium so it's probably worth it to cover yourself JIC.

Offline elikay

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2010
  • Posts: 5283
  • Total likes: 0
  • DansDeals.com Hat Tips 2
    • View Profile
Re: Car insurance- How much coverage?
« Reply #54 on: January 18, 2012, 12:34:11 AM »
In regards to 1 and 2,
1- A friend of mine got his car totaled by an uninsured driver, the uninsured driver coverage he had wasn't enough to cover the cost of his car so it had to comeout of his collision which fwiu isn't good for your rates.
I figured so and have confirmed with an insurance agent. But if you do as stated in number 2 (uninsured motorist equal or more than value of car) you'd be ok.
2- Also the accident caused damage to another car which also had to be payed out of his insurance.
Typically the uninsured coverage isn't too high of a premium so it's probably worth it to cover yourself JIC.
Obviously it was his fault, otherwise they would not be going after his insurance. In that case his liability insurance is where it came from.
« Last Edit: January 18, 2012, 12:39:03 AM by elikay »

Offline Yeki89

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2011
  • Posts: 3829
  • Total likes: 2
  • DansDeals.com Hat Tips 5
    • View Profile
Car Insurance - Questions, Answers and Tips
« Reply #55 on: February 27, 2012, 10:26:37 AM »
This question was always on my mind, and I was just able to clarify it. I felt compelled to share it with the oilam.
If someone has a NY License, and gets tickets in NJ (or any other state) dors the insurance company find out about it and raise the rates.
The answer NO. As the ticket never sticks to your record. (I just applied for car insurance, (Gieco) I'm paying for one car with three driver $550 for 6 months.)
A tip to get your rate lower, ask for discounts. I got a good student discount of $55! plus it you take the online driving course for $19 you save $22 every 6 months for 3 years! They also have long timne driver discounts, marriage discounts, as well as a few policy discount i.e. renters insurance+driving.
The only thing I'm still curious about, if I would transfer my NY license into a NJ one, would my tickets come up Limaphraya?

Offline Saver2000

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Apr 2011
  • Posts: 7442
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Car Insurance - Questions, Answers and Tips
« Reply #56 on: February 27, 2012, 10:43:34 AM »
This question was always on my mind, and I was just able to clarify it. I felt compelled to share it with the oilam.
If someone has a NY License, and gets tickets in NJ (or any other state) dors the insurance company find out about it and raise the rates.
The answer NO. As the ticket never sticks to your record.  (I just applied for car insurance, (Gieco) I'm paying for one car with three driver $550 for 6 months.)
A tip to get your rate lower, ask for discounts. I got a good student discount of $55! plus it you take the online driving course for $19 you save $22 every 6 months for 3 years! They also have long timne driver discounts, marriage discounts, as well as a few policy discount i.e. renters insurance+driving.
The only thing I'm still curious about, if I would transfer my NY license into a NJ one, would my tickets come up Limaphraya?

Sounds good but what's your source? Insurance broker?  Personal experience?

Also, does this apply to all states?  (E.g. I recently got a ticket in Cleveland with a NJ license. Will that show up?)

Offline Yeki89

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2011
  • Posts: 3829
  • Total likes: 2
  • DansDeals.com Hat Tips 5
    • View Profile
Re: Car Insurance - Questions, Answers and Tips
« Reply #57 on: February 27, 2012, 11:03:09 AM »
Personal experience, so I can only verify NY license with NJ tickets.

Offline HelpMe

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Aug 2011
  • Posts: 3494
  • Total likes: 6
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Car Insurance - Questions, Answers and Tips
« Reply #58 on: February 27, 2012, 11:20:15 AM »
"All States as of 2005 are Required through New Federal Regulation to comply with and make available to all other states reciprocal driver records."

"Elvis Has Left The Building"

Offline Yeki89

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Mar 2011
  • Posts: 3829
  • Total likes: 2
  • DansDeals.com Hat Tips 5
    • View Profile
Re: Car Insurance - Questions, Answers and Tips
« Reply #59 on: February 27, 2012, 12:10:03 PM »
funny that my rates wernt raised