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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 64628 times)

Offline Dan

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As in limits or in deductibles?

As for the latter, I practice what I preach :P
Both.
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Offline aussiebochur

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If it was that simple to calculate, he'd have his answer :P
If youve driven for ten years and never made a claim, you would probably say definitely raise it.

If youre someone thats made 5 claims in 10 years, maybe not.

Offline aussiebochur

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To qualify and clarify, the reason I suggest raising your deductible to $1000 is because insurance, in my view, is for "holy crap" issues, not issues where the driver will incur $500-1000 or even $2000 in charges.

Making a claim for anything in that range will more than eat up (over a lifetime) any savings from having a lower deductible.

I wouldn't even consider making a claim for less than $3,000, which is why I'd say save the money and raise your deductible.
Btw, do claims made to cc company on rentals have an effect on regular insurance policies?

Offline AJK

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Both.

I'd rather not discuss limits in public. If you're interested feel free to PM.

If youve driven for ten years and never made a claim, you would probably say definitely raise it.

If youre someone thats made 5 claims in 10 years, maybe not.

I'd imagine most people would fall between those two sides of the spectrum... perhaps Dan is on one or the other? If so, I'd agree.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline Dan

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If youve driven for ten years and never made a claim, you would probably say definitely raise it.

If youre someone thats made 5 claims in 10 years, maybe not.
Never made a claim in my 11 years of driving.

My new policy is below, $38.90/month, thanks guys!
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Offline AJK

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Btw, do claims made to cc company on rentals have an effect on regular insurance policies?

You mean if you're using your personal insurance as a means to make the rental company whole? Why wouldn't they?

Never made a claim in my 11 years of driving.

My new policy is below, $38.90/month, thanks guys!


What a complete and utterly ridiculous joke.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline aussiebochur

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Never made a claim in my 11 years of driving.

My new policy is below, $38.90/month, thanks guys!

Good choice.

If you never made a claim as a bochur, Id it would be very infrequent after getting married having a kid/s.

Offline Dan

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Btw, do claims made to cc company on rentals have an effect on regular insurance policies?
It would assume it wouldn't as long as you didn't have to make a claim with your own insurance and there's no police report.
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Offline aussiebochur

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You mean if you're using your personal insurance as a means to make the rental company whole? Why wouldn't they?

What a complete and utterly ridiculous joke.
No, I mean if theres damage done to the rental vehicle and the cc company pays out the rental company. No involvement of your insurance company.

Offline Dan

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What a complete and utterly ridiculous joke.
And I wonder if it will fall further when my wife turns 25?
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Offline AJK

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No, I mean if theres damage done to the rental vehicle and the cc company pays out the rental company. No involvement of your insurance company.

Then of course not. You insurance company has no way of finding out (though, in theory, I guess they could).

And I wonder if it will fall further when my wife turns 25?

The proverbial "they" say it should. Unreal.
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Offline Ergel

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I think the higher under 25 rates are only for guys
Life isn't about checking the boxes. Nobody cares.

Offline aussiebochur

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Then of course not. You insurance company has no way of finding out (though, in theory, I guess they could).

If you switch insurance companies, they can still find out about other claims, no?

So was wondering if perhaps with the cc company it was the same.

Hoping you guys are right...

Offline AJK

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If you switch insurance companies, they can still find out about other claims, no?

So was wondering if perhaps with the cc company it was the same.

Hoping you guys are right...

Yes, they can find out about other claims.

You won't have made a claim against an insurance company...
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline Dan

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Re: Auto Insurance
« Reply #104 on: July 10, 2012, 12:45:38 AM »
Forked from G37x discussion.
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