Car Insurance Master Thread

[shulem92]

If my insurance pays out a claim for an uninsured motorist, will my rates go up? After the $500 deductible, it doesn't come out to too much, so I want to know if it would be worth it. TIA

[ckmk47]

If my insurance pays out a claim for an uninsured motorist, will my rates go up? After the $500 deductible, it doesn't come out to too much, so I want to know if it would be worth it. TIA

A claim paid on your insurance doesn't directly - tit for tat - raise your insurance rates.  It gets looked at along with anything else, like a cell phone or speeding ticket, and it puts you in a risk rating category. 
I think the number of instances of claims is one risk factor, and the amount paid out is another risk factor that the insurance co's look at.

But the claim would be listed in your 'driving record' for insurance purposes.

[shulem92]

A claim paid on your insurance doesn't directly - tit for tat - raise your insurance rates.  It gets looked at along with anything else, like a cell phone or speeding ticket, and it puts you in a risk rating category. 
I think the number of instances of claims is one risk factor, and the amount paid out is another risk factor that the insurance co's look at.

But the claim would be listed in your 'driving record' for insurance purposes.

Thanx

[shulem92]

A claim paid on your insurance doesn't directly - tit for tat - raise your insurance rates.  It gets looked at along with anything else, like a cell phone or speeding ticket, and it puts you in a risk rating category. 
I think the number of instances of claims is one risk factor, and the amount paid out is another risk factor that the insurance co's look at.

But the claim would be listed in your 'driving record' for insurance purposes.

After rethinking your response, I'm curious if I have the right reasoning. I already made a claim with my insurance and got a free estimate from them. Just accepting the payout will go on the record with all insurance companies? Or the fact that I was in a no-fault accident?

[ckmk47]

In my car report there is the fact that I was in an accident in which no insurance company paid out. I doubt it plays much part in my current premium.  The accident in which I was not at fault, but my insurance company had to give large payout on the other hand...

[YSP]

If my insurance pays out a claim for an uninsured motorist, will my rates go up? After the $500 deductible, it doesn't come out to too much, so I want to know if it would be worth it. TIA

Counts against you. Uninsured motorist deductible is automatically $250 though

[shulem92]

Counts against you. Uninsured motorist deductible is automatically $250 though

Mine is $500. Progressive

[Car Guru]

2 of my cars where parked by the curb one after the other. A car crossed the lane and hit the first one pushing it into the second one damaging both cars. The car causing the accident is "covered" (or more like not covered) under NJ SAIP Insurance, so they have no liability insurance. I am covered through uninsured/under-insured motorist. The thing is that the vehicle parked behind was removed from my policy because I have not been using it for a while, Is there any way to get coverage on that vehicle? Is it like borrowing a friends car or car rental that the drivers insurance is reliable and not the vehicles owner? so since I have my own policy on other vehicles should I be covered on that one too, or it has nothing to do with the previous scenario. Also, maybe vehicle two which hit vehicle three should be responsible for damage since vehicle one is not liable for damage, something along these lines....?

[Marko Rubio]

URGNT! ANY HELP WILL BE GREATLY APPRECIATED

a relative of mine due to points on his license had insurance for the last 20 years on his fathers name (car as well) for the purpose to get a much cheaper rate, now he was away for a few weeks so he didnt renew his insurance on time (its a owned car), when coming back he tried to renew, but the company says that because its 3 weeks after policy was due for renewel, they cant renew it anymore, and he has to make a new policy, but the big problem is that they dont wana except him anymore cause the one insured (his father) is already too old and they dont wana give him a policy anymore, so he tried getting one for himself by 2 companies and he got a rate of about $4000 for 6 months for having points on his license and for never having insurance before.....

now my question is can he do anything about it?
any tips or tricks to make it cheaper?
or anyone here know of any insurance agent that can help out with this kind of situation?

the person is around 45 lives in NY and just needs the minimum insurance required by law
hope someone here on ddf can help out  TIA
 

[Yammer]

URGNT! ANY HELP WILL BE GREATLY APPRECIATED

a relative of mine due to points on his license had insurance for the last 20 years on his fathers name (car as well) for the purpose to get a much cheaper rate, now he was away for a few weeks so he didnt renew his insurance on time (its a owned car), when coming back he tried to renew, but the company says that because its 3 weeks after policy was due for renewel, they cant renew it anymore, and he has to make a new policy, but the big problem is that they dont wana except him anymore cause the one insured (his father) is already too old and they dont wana give him a policy anymore, so he tried getting one for himself by 2 companies and he got a rate of about $4000 for 6 months for having points on his license and for never having insurance before.....

now my question is can he do anything about it?
any tips or tricks to make it cheaper?
or anyone here know of any insurance agent that can help out with this kind of situation?

the person is around 45 lives in NY and just needs the minimum insurance required by law
hope someone here on ddf can help out  TIA

1. Up to a month you should be able to reinstate it.

 After that, Are you working through an agent? If yes if the agency claims that he received the payment but forgot to send it to the company theres a chance that they will reinstate it.

[Marko Rubio]

1. Up to a month you should be able to reinstate it.

 After that, Are you working through an agent? If yes if the agency claims that he received the payment but forgot to send it to the company theres a chance that they will reinstate it.

they claim that after 3 weeks u cant reinstate it anymore

[Mordyk]

im trying to get an online insurance quote and they are asking a million coverage questions. can anyone sum up the dollar amounts i need for a cheap leased car. personal. liability, etc  TIA

[nucheiner]

URGNT! ANY HELP WILL BE GREATLY APPRECIATED

a relative of mine due to points on his license had insurance for the last 20 years on his fathers name (car as well) for the purpose to get a much cheaper rate, now he was away for a few weeks so he didnt renew his insurance on time (its a owned car), when coming back he tried to renew, but the company says that because its 3 weeks after policy was due for renewel, they cant renew it anymore, and he has to make a new policy, but the big problem is that they dont wana except him anymore cause the one insured (his father) is already too old and they dont wana give him a policy anymore, so he tried getting one for himself by 2 companies and he got a rate of about $4000 for 6 months for having points on his license and for never having insurance before.....

now my question is can he do anything about it?
any tips or tricks to make it cheaper?
or anyone here know of any insurance agent that can help out with this kind of situation?

the person is around 45 lives in NY and just needs the minimum insurance required by law
hope someone here on ddf can help out  TIA

It shouldn't take to long to gain an insurance history. IME My first company to insure me was liberty mutual for about 225 monthly. 3 months later I was able to get Progressive for  about 125...

[mgarfin]

Sienna / financed / 2 drivers age 30-40 / Brooklyn / Clean records
Same insurance for more than a year

Im not finding anything cheaper than $220 a month. I think this is above average?  am I right? what can be influencing it?

[ckmk47]

Sienna / financed / 2 drivers age 30-40 / Brooklyn / Clean records
Same insurance for more than a year

Im not finding anything cheaper than $220 a month. I think this is above average?  am I right? what can be influencing it?

Talk to a broker/ agent. They'll shop around for you.

[noturbizniss]

Any one have experience with NJ skylands?

[nocknock]

URGNT! ANY HELP WILL BE GREATLY APPRECIATED

a relative of mine due to points on his license had insurance for the last 20 years on his fathers name (car as well) for the purpose to get a much cheaper rate, now he was away for a few weeks so he didnt renew his insurance on time (its a owned car), when coming back he tried to renew, but the company says that because its 3 weeks after policy was due for renewel, they cant renew it anymore, and he has to make a new policy, but the big problem is that they dont wana except him anymore cause the one insured (his father) is already too old and they dont wana give him a policy anymore, so he tried getting one for himself by 2 companies and he got a rate of about $4000 for 6 months for having points on his license and for never having insurance before.....

now my question is can he do anything about it?
any tips or tricks to make it cheaper?
or anyone here know of any insurance agent that can help out with this kind of situation?

the person is around 45 lives in NY and just needs the minimum insurance required by law
hope someone here on ddf can help out  TIA

he really shouldn't be on the road.......

If after 20 years he still has points that means he's a manic

[MrPrime1]

im trying to get an online insurance quote and they are asking a million coverage questions. can anyone sum up the dollar amounts i need for a cheap leased car. personal. liability, etc  TIA

100/300

[MrPrime1]

Sienna / financed / 2 drivers age 30-40 / Brooklyn / Clean records
Same insurance for more than a year

Im not finding anything cheaper than $220 a month. I think this is above average?  am I right? what can be influencing it?

brooklyn. try geico, i also have a contact with nationwide if your interested. im paying 160/month full coverage on my 2017 jeep grand cherokee limited in brooklyn

[Jkhein]

I have tickets and piints on my name but wife has nothing. If I put a new car on her name and me as another driver will it be cheaper then if I am the primary?