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DansDeals Forum => General Discussion => Topic started by: ygift on January 30, 2010, 07:21:38 PM

Title: Car Insurance Master Thread
Post by: ygift on January 30, 2010, 07:21:38 PM
Anyone ever been kicked off from car ins.? I have AAA Ins and they put 5 points for an accident on my record and then because of that are kicking me off. (the points are not relevent to motor vehicle record onlyto ins)
Any ideas what to do so that I dont have to spend an extra 3 - 4 thousand dollars 9maybe even more then that
Title: Re: car ins.
Post by: chaim on February 22, 2010, 04:13:01 PM
call liberty mutual out of howell nj . They are offering all lakewood  rates that are 4 or 5 hundred bucks cheaper than geico. One caveat is that I heard when you have an accident with them then rates climb higher than industry standard. Unconfirmed though as I havnt had an accident
Title: Re: car ins.
Post by: Dan on February 22, 2010, 04:29:53 PM
Did you try contesting the points in court with a competent lawyer?
Title: US Auto insurance companies
Post by: Yordai Dooma on July 22, 2010, 05:07:45 PM
Who do you use?
Who would you recommend?
Who would you not recommend?

We have had Geico for years and am generally happy with them.
A friend is trying to convince me to switch to Hanover as they have better rates for the same policy.
Title: Re: US Auto insurance companies
Post by: kc1544 on July 22, 2010, 05:35:21 PM
Who do you use?
Who would you recommend?
Who would you not recommend?

We have had Geico for years and am generally happy with them.
A friend is trying to convince me to switch to Hanover as they have better rates for the same policy.

when i first leased it was my first time having insurance on my name. i did lots of research and found geico to be the best. after six months i switched to costco as it was cheaper (at the time i had membership) the actual insurance was amerprise i think.
i then moved after six months to all state as a local agent told me he can get better price which he did.
and now six months later when the price went up (i think because of a ticket i got) i went back to geico and it was waaay cheaper.
so in short: stick with geico
two notes: firstly i live in brooklyn which obviously makes a difference. secondly each time i switched i didnt save a few dollars. it was a substantial amount (around 300 per 6 months)
Title: Re: US Auto insurance companies
Post by: Yordai Dooma on July 22, 2010, 05:41:37 PM
when i first leased it was my first time having insurance on my name. i did lots of research and found geico to be the best. after six months i switched to costco as it was cheaper (at the time i had membership) the actual insurance was amerprise i think.
i then moved after six months to all state as a local agent told me he can get better price which he did.
and now six months later when the price went up (i think because of a ticket i got) i went back to geico and it was waaay cheaper.
so in short: stick with geico
two notes: firstly i live in brooklyn which obviously makes a difference. secondly each time i switched i didnt save a few dollars. it was a substantial amount (around 300 per 6 months)

So i have geico on 2 people, 2 cars. The saving would be $185.00 over 6 months if i switched from geico to hanover. Keep in mind my policy now is only ~$750.00/6 months. Ive never even heard of Hanover before...Anyone here use them?
Title: Re: US Auto insurance companies
Post by: A3 on July 22, 2010, 06:23:33 PM
So i have geico on 2 people, 2 cars. The saving would be $185.00 over 6 months if i switched from geico to hanover. Keep in mind my policy now is only ~$750.00/6 months. Ive never even heard of Hanover before...Anyone here use them?

Keep in mind that according to ur profile your from Chi-Town = Cheaper than NY. Also what amount of coverage do u have for that price.
I have Geico, I opted to be covered for a lot of damage and im paying 1100/6 months  for two cars, each driver has one ticket in their name.
Title: Re: US Auto insurance companies
Post by: Mikeoracle on July 23, 2010, 02:27:43 PM
I have "21st Century" for the last few years and I am very happy so far. They originally saved me a few hundred dollars per half year over Geico, and according to a recent quote they are still a little less. I dont know what states they insure in besides NJ, they are west coast based and added NJ a few years back.
Title: Re: US Auto insurance companies
Post by: bades on August 05, 2010, 04:50:47 PM
i am a car insurance broker, if you have any questions you can pm me, Hanover is an excellent company
Title: Re: US Auto insurance companies
Post by: Yordai Dooma on August 05, 2010, 04:55:24 PM
i am a car insurance broker, if you have any questions you can pm me, Hanover is an excellent company

Is there any harm in switching insurance companies? Meaning I've had Geico for the past 5 years...Is there any reason to show loyalty to a company? Will that lower my rates in the long run?
Title: Re: US Auto insurance companies
Post by: Avid Reader on August 06, 2010, 05:29:30 AM
My first year was very hard getting a good rate. The best rate came from CountryWide, which I took. They are a really crappy company though and it is a real pain dealing with them. Just to get an agent on the phone takes forever...

The next year I switched to Allstate because the gave me a higher limits and at a better rate then I was paying at Counrywide. Now It's time to look for better rates again...

Note: This was for Brooklyn.
Title: Re: US Auto insurance companies
Post by: bades on August 06, 2010, 10:52:58 AM
There is no reason to show loyalty, if you are getting better rates. However generally if you stay with the same company they will lower your rates.
Title: Re: US Auto insurance companies
Post by: azhoopsfan on August 10, 2010, 06:53:11 PM
There are a few insurance companies (esurance) in which you prepay for the policy and if you want to switch during the term, you don't get a prorated refund.  Most will provide a refund if you switch. 

My wife and I have perfect driving records and found the best rates with Geico.  Also have an umbrella policy with them.   
Title: Re: US Auto insurance companies
Post by: whYME on August 11, 2010, 01:09:43 PM
well if you live in Brooklyn you'll get much cheaper rates if you register and insure your car(s) in some hicktown in, for example, PA  :)

(of course it could cause you major problems down the road if ch"v something goes wrong...)
Title: Re: US Auto insurance companies
Post by: AsherO on August 11, 2010, 03:43:15 PM
well if you live in Brooklyn you'll get much cheaper rates if you register and insure your car(s) in some hicktown in, for example, PA  :)

(of course it could cause you major problems down the road if ch"v something goes wrong...)

Fraud causes rates to go up. High rates make insurance too expensive. Commit fraud to lower your rates. The circle is closed :D
Title: Re: US Auto insurance companies
Post by: whYME on November 11, 2010, 12:22:27 AM
well if you live in Brooklyn you'll get much cheaper rates if you register and insure your car(s) in some hicktown in, for example, PA  :)

(of course it could cause you major problems down the road if ch"v something goes wrong...)
If you live in Brooklyn and do have your vehicle registered and insured in a PA hicktown, if you happen to, say, hit a deer, make sure to do it in or near said hicktown so you don't give the insurance company a reason to suspect anything...
Title: Re: US Auto insurance companies
Post by: Avid Reader on November 11, 2010, 10:57:00 PM
well if you live in Brooklyn you'll get much cheaper rates if you register and insure your car(s) in some hicktown in, for example, PA  :)

(of course it could cause you major problems down the road if ch"v something goes wrong...)

If you live in Brooklyn and do have your vehicle registered and insured in a PA hicktown, if you happen to, say, hit a deer, make sure to do it in or near said hicktown so you don't give the insurance company a reason to suspect anything...

Why this change of heart, did you hit a deer recently?
Title: Auto Insurance
Post by: muttman on January 04, 2011, 10:08:48 AM
What is acceptable to be paying for auto insurance? I live in Monsey, have a clean driving record (no points or accidents) and I am 24 years old. Geico is currently charging me $1,400 on a 2009 base Honda Accord for the year. I feel like I am overpaying.

Any input would be helpful
Thanks
Title: Re: Auto Insurance
Post by: elikay on January 04, 2011, 11:13:31 AM
Does not sound terrible, But to answer this question you must specify what your coverage is.
Title: Re: Auto Insurance
Post by: bades on January 04, 2011, 12:07:42 PM
I am an insurance broker, and i will gladly try and save you money, like i did for many others on this site. please pm me :)
Title: Re: Auto Insurance
Post by: muttman on January 05, 2011, 12:38:20 PM
I am not sure exactly what my coverage is but it the most base required for a lease
Title: Insurance rates in Florida
Post by: yossi4k on May 30, 2011, 01:10:28 AM
Shout-out to all Floridians out there. What are your experiences with auto insurance companies>? Which ones gives the best rates? So far I've looked into Geico and Progressive and Geico kills by a $600 margin! Alas, Geico charges $1000 more for a leased car than a comparable owned car. Are  there companies out there who don't charge more for lease or allow you to take the cheaper policies?
Title: Re: Insurance rates in Florida
Post by: aycee on May 30, 2011, 03:26:03 PM
I believe it depends on the driver. Progressive was cheapest for me
Title: Re: Insurance rates in Florida
Post by: Yungerman on May 31, 2011, 03:22:58 PM
Progressive was the best choice for me also.
Title: Re: Insurance rates in Florida
Post by: bades on May 31, 2011, 03:48:51 PM
i can get you car insurance  quotes in Florida or any other state
Title: Re: Insurance rates in Florida
Post by: yossi4k on May 31, 2011, 09:28:13 PM
you been good rates?
Title: car insurance
Post by: est on June 12, 2011, 12:36:01 AM
im looking to switch car insurance companies - looking for opinions and experiences...
i already switched from geico where i was paying $769 for 6 months

I now have travelers $577 for 6 months
 uninsured/underinsured bodily - $50,000per person /$100,000 per accident
uninsured/underinsured property - $50,000
collision - $500 deductible
comprehensive - $500 deductible

this is for nj for one car 06 sienna. one driver has illegal uturn on license. expensive?

Title: Re: car insurance
Post by: Bh101 on June 12, 2011, 01:26:41 PM
im looking to switch car insurance companies - looking for opinions and experiences...
i already switched from geico where i was paying $769 for 6 months

I now have travelers $577 for 6 months
 uninsured/underinsured bodily - $50,000per person /$100,000 per accident
uninsured/underinsured property - $50,000
collision - $500 deductible
comprehensive - $500 deductible

this is for nj for one car 06 sienna. one driver has illegal uturn on license. expensive?
how old are the drivers? and how many drivers are there? and nothing to do with ur question but how many points is a uturn?
Title: Re: car insurance
Post by: est on June 12, 2011, 01:42:56 PM
1 turning 26 in 2 weeks and 1 is 27
Title: Re: car insurance
Post by: bades on June 12, 2011, 01:51:09 PM
i am an insurance broker i can help.. check ur inbox
Title: Re: car insurance
Post by: dd321 on June 12, 2011, 07:32:15 PM
looks vry good. what company u get from?
Title: Re: car insurance
Post by: Dan on June 12, 2011, 07:57:51 PM
So what does everyone here pay for insurance?  Post your policy details here!
Title: Re: car insurance
Post by: muttman 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

    
Title: Re: car insurance
Post by: bubkiz on June 13, 2011, 02:29:57 PM
Which company?
Title: Re: car insurance
Post by: est on June 13, 2011, 09:55:22 PM
looks vry good. what company u get from?
travelers
Title: Re: Auto Insurance
Post by: Dan 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.
Title: Re: Auto Insurance
Post by: Avid Reader 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.

Title: Re: Auto Insurance
Post by: henche 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
Title: Re: Auto Insurance
Post by: elikay 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).
Title: Re: Auto Insurance
Post by: Avid Reader 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.
Title: Re: Auto Insurance
Post by: Dan 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 :)
Title: Re: Auto Insurance
Post by: cshia 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.
Title: Car insurance- How much coverage?
Post by: bubkiz 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?
Title: Re: Car insurance- How much coverage?
Post by: smurf on August 24, 2011, 12:11:04 AM
Paging Bades...
Title: Re: Car insurance- How much coverage?
Post by: smurf 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.
Title: fast course to reduce points on ny-license
Post by: shach 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?
Title: Re: fast course to reduce points on ny-license
Post by: yaakov s on October 06, 2011, 08:06:56 PM
Part of the course is to learn how to be patient  ;)
Title: Re: fast course to reduce points on ny-license
Post by: shach 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
Title: Re: fast course to reduce points on ny-license
Post by: sky121 on October 06, 2011, 10:58:10 PM
Part of the course is to learn how to be patient  ;)

lol
Title: Re: fast course to reduce points on ny-license
Post by: sguitarist18 on October 07, 2011, 12:23:48 AM
If you take one online, you can read during the boring parts.
Title: Re: fast course to reduce points on ny-license
Post by: mercaz1 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
Title: Re: fast course to reduce points on ny-license
Post by: shach 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" ;)
Title: Re: Car insurance- How much coverage?
Post by: elikay 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)?
Title: Re: Car insurance- How much coverage?
Post by: smurf 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.
Title: Re: Car insurance- How much coverage?
Post by: elikay 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.
Title: Car Insurance - Questions, Answers and Tips
Post by: Yeki89 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?
Title: Re: Car Insurance - Questions, Answers and Tips
Post by: Saver2000 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?)
Title: Re: Car Insurance - Questions, Answers and Tips
Post by: Yeki89 on February 27, 2012, 11:03:09 AM
Personal experience, so I can only verify NY license with NJ tickets.
Title: Re: Car Insurance - Questions, Answers and Tips
Post by: HelpMe 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."

Title: Re: Car Insurance - Questions, Answers and Tips
Post by: Yeki89 on February 27, 2012, 12:10:03 PM
funny that my rates wernt raised
Title: Re: Car Insurance - Questions, Answers and Tips
Post by: David B on February 27, 2012, 12:14:14 PM
That was not my experience.  NY resident, NY license, got a speeding ticket in NJ (Ft. Lee) that I plead down to a non-moving violation with no points.  Years later I found out that GEICO had a record of the "non-moving violation" ticket -- although it hadn't impacted my rates as it was a no-points ticket (after pleading).  NY license, however, does NOT get the points as NY and NJ do not have points reciprocity. 
Title: Re: Car Insurance - Questions, Answers and Tips
Post by: yitzf on February 27, 2012, 02:43:47 PM
"All States as of 2005 are Required through New Federal Regulation to comply with and make available to all other states reciprocal driver records."
Is that for points or only for DWI, suspension etc.?
Title: Re: Car Insurance - Questions, Answers and Tips
Post by: Yeki89 on February 27, 2012, 02:48:12 PM
That was not my experience.  NY resident, NY license, got a speeding ticket in NJ (Ft. Lee) that I plead down to a non-moving violation with no points.  Years later I found out that GEICO had a record of the "non-moving violation" ticket -- although it hadn't impacted my rates as it was a no-points ticket (after pleading).  NY license, however, does NOT get the points as NY and NJ do not have points reciprocity.
Well said
Title: Re: Car Insurance - Questions, Answers and Tips
Post by: HelpMe on February 27, 2012, 02:51:54 PM
Is that for points or only for DWI, suspension etc.?
"This database must include, at a minimum, all the data printed on the state drivers' licenses and ID cards, plus drivers' histories (including motor vehicle violations, suspensions, and points on licenses)."
Title: Re: Car Insurance - Questions, Answers and Tips
Post by: Twin on February 27, 2012, 02:59:42 PM
i crashed someones car and his insurance coverd bec he has guest plan    Q is his rates going to go up now?
Title: Re: Car Insurance - Questions, Answers and Tips
Post by: Yeki89 on February 28, 2012, 03:16:26 PM
Why would it be different than if the main driver crashed?
Title: Re: Car Insurance - Questions, Answers and Tips
Post by: Twin on February 28, 2012, 07:52:06 PM
Why would it be different than if the main driver crashed?
;D
iam not on his plan so the Q is if the rate will go up bec they paid $$ or not bec iam not on the plan
Title: Re: Car Insurance - Questions, Answers and Tips
Post by: David B on February 28, 2012, 08:04:49 PM
Nobody can ever be certain (as it will be up the underwriter that reviews the policy at renewal time) -- but I would suspect/guess that it is the "loss experience" that counts, not who was driving.  So if the accident was your fault (i.e. you weren't rear-ended, but actually were more than 50% responsible for causing the crash), and the policy has to pay out money due to an accident caused by the insured, chances are decent the premiums will go up.   
Title: Re: Car Insurance - Questions, Answers and Tips
Post by: aryeh1 on July 06, 2012, 09:34:43 AM
What would insurance be about in brooklyn, 25 yr old , clean record?
Title: Auto Insurance
Post by: Koko on July 09, 2012, 11:23:08 PM
Just a note great deal- got it but insurance is much higher than my lexus i just returned.and all that i know who are trying to get the car are having difficulty getting low quotes under $200 a month in nyc
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: kangaroo on July 09, 2012, 11:36:13 PM
Just a note great deal- got it but insurance is much higher than my lexus i just returned.and all that i know who are trying to get the car are having difficulty getting low quotes under $200 a month in nyc

share with us what kind of deal you got?
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: KidOOO on July 09, 2012, 11:37:01 PM
Just a note great deal- got it but insurance is much higher than my lexus i just returned.and all that i know who are trying to get the car are having difficulty getting low quotes under $200 a month in nyc

I'm having same issue with insurance quote,
which deal did you end up getting?
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: Koko on July 09, 2012, 11:40:06 PM
Lowest deal i got was hartford 195 thats with clean record over 10 years insurance. Average quote people are getting aprox 230-275 a month allstate/ geico
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: Dan on July 09, 2012, 11:43:03 PM
Average quote people are getting aprox 230-275 a month allstate/ geico
That's what I pay for 6 months on my Altima :o
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: AJK on July 09, 2012, 11:44:22 PM
No way. $500/year  :o
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: Dan on July 09, 2012, 11:47:42 PM
No way. $500/year  :o
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: Dan on July 09, 2012, 11:49:40 PM
Now that I'm looking at it I can lower my 6 month premium from $277.45 to $233.42 if I change my deductible to $1,000.

Think I should do that?  What do others here carry?
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: AJK on July 09, 2012, 11:50:05 PM
I'm crying inside.

CLE looks better and better every day, even though where I'm from (not where I am now) it's gotta be similar, but I didn't think it was that good.

I didn't even think that was possible for a new car.
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: AJK on July 09, 2012, 11:50:21 PM
Now that I'm looking at it I can lower my 6 month premium from $277.45 to $233.42 if I change my deductible to $1,000.

Think I should do that?

Absolutely, IMHO.

And that's a 6 mos premium? Not per month?
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: Dan on July 09, 2012, 11:52:17 PM
Absolutely, IMHO.

And that's a 6 mos premium? Not per month?
Yup, those are all per 6 months.

Everyone else in agreement that it's worth going to $1K deduct to save $88 per year?
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: Dan on July 09, 2012, 11:52:37 PM
I'm crying inside.

CLE looks better and better every day, even though where I'm from (not where I am now) it's gotta be similar, but I didn't think it was that good.

I didn't even think that was possible for a new car.
Cleveland rocks, that's what I've been telling you guys :D
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: AJK on July 09, 2012, 11:55:37 PM
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.
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: Dan on July 09, 2012, 11:57:25 PM
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 for 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.
Agreed, have to be crazy to make a small claim. The only problem comes if say $4K in damages occur c"v that only $3K would be covered.
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: KidOOO on July 09, 2012, 11:58:11 PM
That's what I pay for 6 months on my Altima :o

That's insain
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: jj1000 on July 09, 2012, 11:59:12 PM
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.
Smart!
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: AJK on July 10, 2012, 12:03:15 AM
Agreed, have to be crazy to make a small claim. The only problem comes if say $4K in damages occur c"v that only $3K would be covered.

As opposed to $3500...  I mean, we're not talking a tremendous amount of money here.

Truth be told, even for $3500, I may not make a claim. You'll pay significantly more than that over the course of a lifetime if you end up making that claim. As I said, and as I believe, insurance is for "holy crap" issues, bli eiyin hara, lo aleinu.
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: aussiebochur on July 10, 2012, 12:03:19 AM
Now that I'm looking at it I can lower my 6 month premium from $277.45 to $233.42 if I change my deductible to $1,000.

Think I should do that?  What do others here carry?
What do you reckon the chances of making a claim over $1000 in 5+ years is?
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: AJK on July 10, 2012, 12:04:06 AM
What do you reckon the chances of making a claim over $1000 in 5+ years is?

If it was that simple to calculate, he'd have his answer :P
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: Dan on July 10, 2012, 12:05:06 AM
As opposed to $3500...  I mean, we're not talking a tremendous amount of money here.
Opposed to $3,900 for what I carry now for comprehensive, but I think you have me convinced.

So how much coverage do others here carry?
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: AJK on July 10, 2012, 12:06:34 AM
Opposed to $3,900 for what I carry now for comprehensive, but I think you have me convinced.

So how much coverage do others here carry?

As in limits or in deductibles?

As for the latter, I practice what I preach :P
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: Dan on July 10, 2012, 12:07:28 AM
As in limits or in deductibles?

As for the latter, I practice what I preach :P
Both.
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: aussiebochur on July 10, 2012, 12:07:33 AM
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.
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: aussiebochur on July 10, 2012, 12:09:26 AM
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?
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: AJK on July 10, 2012, 12:09:39 AM
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.
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: Dan on July 10, 2012, 12:09:47 AM
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!
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: AJK on July 10, 2012, 12:10:40 AM
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.
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: aussiebochur on July 10, 2012, 12:11:26 AM
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.
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: Dan on July 10, 2012, 12:12:05 AM
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.
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: aussiebochur on July 10, 2012, 12:12:46 AM
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.
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: Dan on July 10, 2012, 12:13:57 AM
What a complete and utterly ridiculous joke.
And I wonder if it will fall further when my wife turns 25?
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: AJK on July 10, 2012, 12:15:22 AM
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.
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: Ergel on July 10, 2012, 12:17:25 AM
I think the higher under 25 rates are only for guys
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: aussiebochur on July 10, 2012, 12:19:58 AM
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...
Title: Re: Re: 2012 infiniti g37x with navigation 18 month lease only $299!!!!!!!!!!
Post by: AJK on July 10, 2012, 12:21:09 AM
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...
Title: Re: Auto Insurance
Post by: Dan on July 10, 2012, 12:45:38 AM
Forked from G37x discussion.
Title: Re: Auto Insurance
Post by: RJ898 on July 10, 2012, 10:20:48 AM
I'm registered upstate (where my wife's family lives) and my 2012 accord premium is $130 a month (Geico/Includes roadside assistance).
Will probably fall after we turn 25  ::)
Title: Re: Auto Insurance
Post by: puddles on July 10, 2012, 10:38:56 AM
I'm registered upstate (where my wife's family lives) and my 2012 accord premium is $130 a month (Geico/Includes roadside assistance).
Will probably fall after we turn 25  ::)
What happens if you get in an accident in NYC? Dont they ask you where your primary residence is? If they find out dont they have the right to deny any coverage?
Title: Re: Auto Insurance
Post by: Dan on July 10, 2012, 10:41:59 AM
If they find out dont they have the right to deny any coverage?
If it's a big enough claim for them to investigate, sure.
Title: Re: Auto Insurance
Post by: puddles on July 10, 2012, 10:45:26 AM
If it's a big enough claim for them to investigate, sure.
Am I the only one that thinks something like this is not worth the risk (and probably borderline insurance fraud?)
Title: Re: Auto Insurance
Post by: PlatinumGuy on July 10, 2012, 11:11:56 AM
Am I the only one that thinks something like this is not worth the risk (and probably borderline insurance fraud?)
No, & my insurance is over 300/mo
Title: Re: Auto Insurance
Post by: KidOOO on July 10, 2012, 11:20:22 AM
Am I the only one that thinks something like this is not worth the risk (and probably borderline insurance fraud?)

I think its whats called the grey area
Title: Re: Auto Insurance
Post by: Dan on July 10, 2012, 11:32:01 AM
I think its whats called the grey area
If you're making a claim on a big accident I'd imagine they'd investigate before paying out and this sounds like an easy way to be disqualified.
Title: Re: Auto Insurance
Post by: boruch on July 10, 2012, 11:44:50 AM
Btw Dan, Once your wife turns 25 you should look into making her the primary holder. Many insurance companies give better prices for married woman with a child. When my wife turned 25 I made her the primary holder and my insurance decreased a lot.

In general Brooklyn car insurance is out of control. The one year that I lived in Brooklyn I was paying just under $1200/6 months. One insurance broker told me once that itís because of all the insurance scams in Brooklyn (I.E. people insuring their car somewhere else but live in Brooklyn). Now that I live in Monsey I pay $440/6 months with a $500 deductible.
Title: Re: Auto Insurance
Post by: PlatinumGuy on July 10, 2012, 11:47:04 AM
Btw Dan, Once your wife turns 25 you should look into making her the primary holder. Many insurance companies give better prices for married woman with a child. When my wife turned 25 I made her the primary holder and my insurance decreased a lot.

In general Brooklyn car insurance is out of control. The one year that I lived in Brooklyn I was paying just under $1200/6 months. One insurance broker told me once that itís because of all the insurance scams in Brooklyn (I.E. people insuring their car somewhere else but live in Brooklyn). Now that I live in Monsey I pay $440/6 months with a $500 deductible.
Why would that make Brookyln insurance cost more?
Title: Re: Auto Insurance
Post by: boruch on July 10, 2012, 11:50:21 AM
No idea. Just telling you what this broker told me. He could be talking nonsense!
Has anyone else ever heard this?
Title: Re: Auto Insurance
Post by: bades on July 10, 2012, 11:57:48 AM
Now that I'm looking at it I can lower my 6 month premium from $277.45 to $233.42 if I change my deductible to $1,000.

Think I should do that?  What do others here carry?

not worth it for such little savings
Title: Re: Auto Insurance
Post by: Dan on July 10, 2012, 12:00:51 PM
$88/year savings.

As long as I go 5 years without a large collision claim and 10 years without a large comprehensive claim I'll come out ahead.
Title: Re: Auto Insurance
Post by: bades on July 10, 2012, 12:02:41 PM
Dan,
FYI    AS an insurance broker i wouldnt advise raising deductible for such little savings. unless it pays itself off in 2-3 years MAX.....
Title: Re: Auto Insurance
Post by: KidOOO on July 10, 2012, 01:29:32 PM
If you're making a claim on a big accident I'd imagine they'd investigate before paying out and this sounds like an easy way to be disqualified.

in his case ( his wife's family does live upstate) i would think its not that simple to be disqualified, parents buy their kids cars all the time and there is no reason the parents should not be able to keep it on their own insurance
Title: Re: Auto Insurance
Post by: PlatinumGuy on July 10, 2012, 01:39:27 PM
in his case ( his wife's family does live upstate) i would think its not that simple to be disqualified, parents buy their kids cars all the time and there is no reason the parents should not be able to keep it on their own insurance
Insurance goes by where the car is parked most of the year. Assume you're suing the insurance company for $250,000, do you really think you'll get it like that?
Title: Re: Auto Insurance
Post by: RJ898 on July 10, 2012, 02:21:18 PM
Brooklyn has accidents through the roof so the insurance companies hate it. I can always say I live upstate. Who would let an insurance company come into their house?!
Title: Re: Auto Insurance
Post by: RJ898 on July 10, 2012, 02:22:49 PM
Insurance goes by where the car is parked most of the year. Assume you're suing the insurance company for $250,000, do you really think you'll get it like that?
How would they know where the car is parked most of the year? Also, it's a Honda accord, how is that costing 250k?
Title: Re: Auto Insurance
Post by: KidOOO on July 10, 2012, 02:45:30 PM
How would they know where the car is parked most of the year? Also, it's a Honda accord, how is that costing 250k?

maybe if you happened do drive into a lambo (:
Title: Re: Auto Insurance
Post by: Dan on July 10, 2012, 02:47:26 PM
Or if you injure someone or worse...better believe they have investigators for that before paying out $250K!
Title: Re: Auto Insurance
Post by: jj1000 on July 10, 2012, 02:50:10 PM
How would they know where the car is parked most of the year? Also, it's a Honda accord, how is that costing 250k?
They will interview your neighbors, check security cameras in your neighborhood, stake out your house etc... They will find out. Really not that hard. As for 250K what if you injure someone? It's really dumb to play with insurance companies if you ch"v injure someone or worse with out insurance you could be spending the rest of your life in debt or jail. Bli ayin hara I'm just saying in general this is what I was taught.

I have an uncle who was a doctor and was injured and couldn't work anymore. His insurance company brought him to court andaccused him if lying one of the proofs they brought is that they saw him sweeping his house with a broom when his hand where suppose to be out of commission.
Title: Re: Auto Insurance
Post by: AJK on July 10, 2012, 05:16:25 PM
I think its whats called the grey area

No, its called insurance fraud, and yes they'll deny you quicker than you say "but...", and yes, you can go to jail for it.
Title: Re: Auto Insurance
Post by: KidOOO on July 10, 2012, 05:38:05 PM
No, its called insurance fraud, and yes they'll deny you quicker than you say "but...", and yes, you can go to jail for it.

Don't be so sure

There is no fraud in parents letting their kids drive their car even if they live 1000 miles away
Title: Re: Auto Insurance
Post by: AJK on July 10, 2012, 05:39:13 PM
Don't be so sure

There is no fraud in parents letting their kids drive their car even if they live 1000 miles away

With all due respect, you don't have a clue what you're talking about.
Title: Re: Auto Insurance
Post by: KidOOO on July 10, 2012, 05:41:24 PM
With all due respect, you don't have a clue what you're talking about.

you tell me. is that fraud yes/no?

no respect needed

Title: Re: Auto Insurance
Post by: AJK on July 10, 2012, 05:43:00 PM
you tell me. is that fraud yes/no?

no respect needed

Tell me the scenario.

Your choice.
Title: Re: Auto Insurance
Post by: KidOOO on July 10, 2012, 05:46:31 PM
Tell me the scenario.


My point exactly.

you can't deem something general like driving a car registered to your parents as fraud

its a big grey area and deepens on the exact scenario
Title: Re: Auto Insurance
Post by: AJK on July 10, 2012, 05:50:49 PM
 ::)

Nice try.

The original post was:

I'm registered upstate (where my wife's family lives) [and implicitly where OP does NOT] and my 2012 accord premium is $130 a month (Geico/Includes roadside assistance).

You're response (to if that was a risk and borderline insurance fraud) was:

I think its whats called the grey area

That's insurance fraud, period. (Not to mention you'll be up a creek with regard to coverage.)

Nothing general about it.
Title: Re: Auto Insurance
Post by: outinstyle on July 10, 2012, 05:52:31 PM
Before they pay any large claim (which will occur in most accidents) they WILL investigate. If the car is registered upstate & the licensed driver lives in Brooklyn....good luck!
Title: Re: Auto Insurance
Post by: KidOOO on July 10, 2012, 05:53:37 PM
::)

Nice try.

The original post was:

You're response (to if that was a risk and borderline insurance fraud) was:

That's insurance fraud, period.

Nothing general about it.

what i understood was the car is registered to his wife's family, which means he is driving his father in laws car.

how is that fraud
Title: Re: Auto Insurance
Post by: AJK on July 10, 2012, 05:56:50 PM
what i understood was the car is registered to his wife's family, which means he is driving his father in laws car.

how is that fraud

Therein lies the issue - your "understanding."

I'm registered upstate (where my wife's family lives) and my 2012 accord premium is $130 a month (Geico/Includes roadside assistance).

Not his father-in-law, him.

Furthermore, even in the event it IS his FIL's car, that possibility is legally irrelevant.
Title: Re: Auto Insurance
Post by: KidOOO on July 10, 2012, 06:03:12 PM
Therein lies the issue - your "understanding."

Not his father-in-law, him.

Furthermore, even in the event it IS his FIL's car, that possibility is legally irrelevant.

It does seem i miss understood him,

However - I still stand by my opinion that you cannot deem it as fraud based on the that info,

you can say ' it may be fraud' or 'careful little fellow, that looks like fraud'

but you cannot be certain of this being fraud unless you know there was actually fraud involved

 
Title: Re: Auto Insurance
Post by: AJK on July 10, 2012, 06:04:10 PM
It does seem i miss understood him,

However - I still stand by my opinion that you cannot deem it as fraud based on the that info,

you can say ' it may be fraud' or 'careful little fellow, that looks like fraud'

but you cannot be certain of this being fraud unless you know there was actually fraud involved

 ::)

The only thing that makes sense in the above post is bolded.
Title: Re: Auto Insurance
Post by: gozalim on July 10, 2012, 06:08:07 PM
It does seem i miss understood him,

However - I still stand by my opinion that you cannot deem it as fraud based on the that info,

you can say ' it may be fraud' or 'careful little fellow, that looks like fraud'

but you cannot be certain of this being fraud unless you know there was actually fraud involved

 
what matters is not your definition of fraud, but rather the insurance company/judge's definition. you can do that, you might be ethically right, but if the insurance company can prove that it is parked in brooklyn more often than upstate, you can yell and scream all you want, they won't pay the claim
Title: Re: Auto Insurance
Post by: KidOOO on July 10, 2012, 06:10:18 PM
what matters is not your definition of fraud, but rather the insurance company/judge's definition. you can do that, you might be ethically right, but if the insurance company can prove that it is parked in brooklyn more often than upstate, you can yell and scream all you want, they won't pay the claim

I'm glad you are so sure about that

And that still wont make it fraud, our world is full of insurance companies who try to avoid paying off claims even when no fraud was commited
Title: Re: Auto Insurance
Post by: AJK on July 10, 2012, 06:16:24 PM
How's the weather in this little world you've created for yourself? How are taxes? We know how the insurance is.
Title: Re: Auto Insurance
Post by: KidOOO on July 10, 2012, 06:21:09 PM
How's the weather in this little world you've created for yourself?

your invited to open your eyes and look out the window  :)
Title: Re: Auto Insurance
Post by: AJK on July 10, 2012, 06:24:38 PM
your invited to open your eyes and look out the window  :)

So there really isn't a problem for you, because if you get indicted for insurance fraud, all you have to do is click your heels twice and problem goes away.
Title: Re: Auto Insurance
Post by: gozalim on July 10, 2012, 06:26:08 PM
I'm glad you are so sure about that

And that still wont make it fraud, our world is full of insurance companies who try to avoid paying off claims even when no fraud was commited
notice
what matters is not your definition of fraud, but rather the insurance company/judge's definition. you can do that, you might be ethically right, but if the insurance company can prove that it is parked in brooklyn more often than upstate, you can yell and scream all you want, they won't pay the claim
Title: Re: Auto Insurance
Post by: KidOOO on July 10, 2012, 06:33:05 PM
So there really isn't a problem for you, because if you get indicted for insurance fraud, all you have to do is click your heels twice and problem goes away.

I have not committed or planing on committing any fraud therefore my problems don't exist
Title: Re: Auto Insurance
Post by: AJK on July 10, 2012, 06:35:39 PM
I have not committed or planing on committing any fraud therefore my problems don't exist

Since you apparently have no idea of what constitutes fraud, you'd have no idea if you've committed or are committing fraud, would ya, (Dorothy)?

(Had to.)
Title: Re: Auto Insurance
Post by: KidOOO on July 10, 2012, 06:39:13 PM
Since you apparently have no idea of what constitutes fraud, you'd have no idea if you've committed or are committing fraud, would ya, (Dorothy)?

(Had to.)

Please. please tell me if i have committed fraud, i am lost without you!
Title: Re: Auto Insurance
Post by: PlatinumGuy on July 10, 2012, 07:20:05 PM
Insipred by Dans insurance, is there any completely legal way to this for a NYC resident? Say I buy 2 cars, and park each in CLE for 183 days. Is that legal? Would I have to do it 16 days each month? Would it still be illegal/void the insurance?

TIA
Title: Re: Auto Insurance
Post by: AJK on July 10, 2012, 07:24:05 PM
Insipred by Dans insurance, is there any completely legal way to this for a NYC resident? Say I buy 2 cars, and park each in CLE for 183 days. Is that legal? Would I have to do it 16 days each month? Would it still be illegal/void the insurance?

TIA

Ask KidOOO, his fraud compass is tuned perfectly for this type of question.
Title: Re: Auto Insurance
Post by: PlatinumGuy on July 10, 2012, 07:27:01 PM
Ask KidOOO, his fraud compass is tuned perfectly for this type of question.
For the record I was the first guy on this forum to call out OP for this a few weeks ago in another thread.
Title: Re: Auto Insurance
Post by: KidOOO on July 10, 2012, 08:16:04 PM
Insipred by Dans insurance, is there any completely legal way to this for a NYC resident? Say I buy 2 cars, and park each in CLE for 183 days. Is that legal? Would I have to do it 16 days each month? Would it still be illegal/void the insurance?

TIA

AJK, now this you can call fraud

(even a broken compass point to the north once in a while)
Title: Re: Auto Insurance
Post by: PlatinumGuy on July 10, 2012, 08:25:02 PM
AJK, now this you can call fraud

(even a broken compass point to the north once in a while)
And if someone was actually driving it in CLE during these 183 days? Where's the fraud?
Title: Re: Auto Insurance
Post by: KidOOO on July 10, 2012, 08:29:16 PM
And if someone was actually driving it in CLE during these 183 days? Where's the fraud?

are you seriously comparing having your car parked 400 miles away for exactly half a day more than required to someone driving his parents car?
Title: Re: Auto Insurance
Post by: PlatinumGuy on July 10, 2012, 08:36:09 PM
are you seriously comparing having your car parked 400 miles away for exactly half a day more than required to someone driving his parents car?
One seemingly meets the T&C. Driving his parents car is a bogus argument, as the criteria is not ownership but location of the CAR.

My question was if there is any way to do this without fraud. Any ideas?
Title: Re: Auto Insurance
Post by: aussiebochur on July 10, 2012, 08:39:27 PM
One seemingly meets the T&C. Driving his parents car is a bogus argument, as the criteria is not ownership but location of the CAR.

My question was if there is any way to do this without fraud. Any ideas?
Move to CLE ;)
Title: Re: Auto Insurance
Post by: PlatinumGuy on July 10, 2012, 08:47:44 PM
I'm sure there's a lot of case law about these things. Its a lot of money for me - can someone recommend a lawyer/field that would know?
Title: Re: Auto Insurance
Post by: AJK on July 10, 2012, 10:09:45 PM
I'm sure there's a lot of case law about these things. Its a lot of money for me - can someone recommend a lawyer/field that would know?

As a first step, I'd contact the potential insurer and present your scenario. You don't have to give specifics, just ask where would the car would be "located" for the purposes of the policy if it spent about the same time in two locations.
Title: Re: Car Insurance - Questions, Answers and Tips
Post by: David B on July 19, 2012, 03:28:19 PM
What would insurance be about in brooklyn, 25 yr old , clean record?

Depends on lots of factors -- particularly, what car is being insured.  Go online and you can get a quote from progressive.com

Believe it or not, they even factor in credit history in determining rate (AFAIK)
Title: NY Point and Insurance Reduction Course
Post by: ReadsTheT&C on July 25, 2012, 01:22:10 AM
Anyone know a good one?  Best I could find for online is $24.95 @ http://www.newyorksafetycouncil.com/
Title: Re: NY Point and Insurance Reduction Course
Post by: danR on July 25, 2012, 08:57:17 AM
www.geico.amersc.com

i did this one for 20
Title: Re: NY Point and Insurance Reduction Course
Post by: Avid Reader on July 25, 2012, 10:02:28 AM
www.geico.amersc.com

i did this one for 20
How long did the course take?
Title: Re: Auto Insurance
Post by: Dan on July 26, 2012, 05:31:48 PM
I'm crying inside.

CLE looks better and better every day, even though where I'm from (not where I am now) it's gotta be similar, but I didn't think it was that good.

I didn't even think that was possible for a new car.
Updated my address on file and my wife's license from KS to OH and my premiums dropped to under $200 per 6 months :D

Comprehensive is down to $16.02 and collision down to $61.08 per 6 months.
Title: Re: Auto Insurance
Post by: AJK on July 26, 2012, 06:05:07 PM
 :o

 >:(

 :'(

 :P
Title: Re: Auto Insurance
Post by: KidOOO on July 26, 2012, 06:15:42 PM
Updated my address on file and my wife's license from KS to OH and my premiums dropped to under $200 per 6 months :D

Comprehensive is down to $16.02 and collision down to $61.08 per 6 months.

That's just wrong man
Title: Re: Auto Insurance
Post by: lala on July 29, 2012, 06:03:08 PM
Updated my address on file and my wife's license from KS to OH and my premiums dropped to under $200 per 6 months :D

Comprehensive is down to $16.02 and collision down to $61.08 per 6 months.

Which insurance co?
Title: Re: Auto Insurance
Post by: Dan on July 29, 2012, 06:17:31 PM
Geico
Title: Re: NY Point and Insurance Reduction Course
Post by: ReadsTheT&C on August 02, 2012, 10:22:39 PM
Found this one http://www.newyorksafetycouncil.com/ (http://www.newyorksafetycouncil.com/) with Coupon Code "NYWinter11" brings the total cost down to $20.  Other one mentioned above was $25 in NY.
Title: Re: NY Point and Insurance Reduction Course
Post by: puddles on August 03, 2012, 08:56:07 AM
Found this one http://www.newyorksafetycouncil.com/ (http://www.newyorksafetycouncil.com/) with Coupon Code "NYWinter11" brings the total cost down to $20.  Other one mentioned above was $25 in NY.
I did this one, really easy. Did it over a few days
Title: Re: NY Point and Insurance Reduction Course
Post by: nikone on August 03, 2012, 12:00:33 PM
I know someone you made an program that will pass the course for you...
Title: Re: NY Point and Insurance Reduction Course
Post by: jack12 on August 03, 2012, 05:13:10 PM
If you are taking the course to get a discount on your insurance, before taking a course, you should call up your insurance company and find out how much you would save. I called and the amount I would save was less than the price of the course
Title: Re: NY Point and Insurance Reduction Course
Post by: Zeeeeks on August 03, 2012, 06:02:20 PM
If you are taking the course to get a discount on your insurance, before taking a course, you should call up your insurance company and find out how much you would save. I called and the amount I would save was less than the price of the course
The course is good for three years.
Title: Defensive Driving
Post by: APoshiterYid on August 13, 2012, 05:05:16 PM
I remember reading about it here but search only turns up a groupon deal... specifically the cheapest online option. Anyone know what Im talking about?

Thanks!
Title: Re: Defensive Driving
Post by: APoshiterYid on August 13, 2012, 05:29:24 PM
Still no luck finding the thread but found this for $24, by far cheapest in NY Ive found (granted in the last 5 minutes): http://brooklyndefensivedriving.com/
Title: Re: Defensive Driving
Post by: creditor on August 13, 2012, 08:07:29 PM
I always taught I knew what defensive driving is. [they should have something like that in ashdod] but viewing your link and especially the price, I'm all confused.
can you pls in a nutshell ?
Title: Re: Defensive Driving
Post by: Zeeeeks on August 13, 2012, 09:35:53 PM
Try this, it should be $20:

http://www.newyorksafetycouncil.com/
 
Enter coupon code NYDD5OFF
Title: Re: Defensive Driving
Post by: APoshiterYid on August 13, 2012, 09:45:23 PM
Try this, it should be $20:

http://www.newyorksafetycouncil.com/
 
Enter coupon code NYDD5OFF
Cool, thanks! I just dont see anywhere to input the code (I want to final checkout page)...?
I always taught I knew what defensive driving is. [they should have something like that in ashdod] but viewing your link and especially the price, I'm all confused.
can you pls in a nutshell ?
Its a course that can be done online that supposedly educates you and makes you a safer, more "defensive" driver, deeming you a lower risk and awarding you a mandatory 10% car insurance premium discount for the next three years.
Title: Re: Defensive Driving
Post by: Zeeeeks on August 13, 2012, 09:48:29 PM
Cool, thanks! I just dont see anywhere to input the code (I want to final checkout page)...?
Right above:
How did you hear about us?
Title: Re: Defensive Driving
Post by: APoshiterYid on August 13, 2012, 09:57:57 PM
Right above:
How did you hear about us?
Very interesting! Aparrently they store cookies, since its really the same company as the one I chose the page would not load with the discount window unless I opened Incognito. Cool, thanks!
Title: Re: Defensive Driving
Post by: springles on August 13, 2012, 10:36:38 PM
I see that this course says no final exam, is there anything to stop someone from not paying any attention whatsoever?
Title: Re: Defensive Driving
Post by: APoshiterYid on August 13, 2012, 10:39:56 PM
Im actually doing it right now. Im doing work etc on computer so not paying too much attention (have two screens). I think itll take about 6 hours total, but you can break whenever you want and start another day.
There are three ways they make sure you are "paying attention". First they ask you some personal questions they asked at start, you must click in multiple choice. Second every so often they will randomly pop up a text box that you must type in a word. Third, and most annoyingly, after each frame you must hit continue, and the button is not clickable from between 0:15-3:15 depending on the frame. Also they have ~4 minor exams throughout the test but you have bigger issues if you can't pass them without paying any attention :)
Title: Re: Defensive Driving
Post by: ReadsTheT&C on August 13, 2012, 10:43:51 PM
http://www.newyorksafetycouncil.com/default.aspx?&utm_source=NY+IPIRP+Graduates&utm_campaign=b65dee73c1-NY_5_Coupon&utm_medium=email

$19.95 w/o coupon code
Title: Re: Defensive Driving
Post by: APoshiterYid on August 13, 2012, 10:45:20 PM
http://www.newyorksafetycouncil.com/default.aspx?&utm_source=NY+IPIRP+Graduates&utm_campaign=b65dee73c1-NY_5_Coupon&utm_medium=email

$19.95 w/o coupon code
Coming up as 24.95 eith inprivate, incognito, and firefox...
Title: Re: Defensive Driving
Post by: ReadsTheT&C on August 13, 2012, 11:52:25 PM
Just checked and it's coming up as $19.95 in Chrome but $24.95 in IE for me.  They have a LiveSupport Chat window on the top right so maybe if you chatted with them and sent the link they'd match it.

Btw, if the mods want to merge topics this is all a repost from http://forums.dansdeals.com/index.php?topic=18385 (http://forums.dansdeals.com/index.php?topic=18385)
Title: Re: Auto Insurance
Post by: MnM1130 on August 14, 2012, 04:06:18 PM
in NY a geico quote on a honda accord- Your total premium for a 6-month policy will be  $2,534.50
LOL SERIOUSLY?????
there is no way in the world im paying 5000$ a year for car insurance...
(i did find a bit cheaper elsewhere but just had to share..) (and when i say a BIT i mean a BIT lol
Title: Re: Auto Insurance
Post by: Dan on August 14, 2012, 04:14:24 PM
in NY a geico quote on a honda accord- Your total premium for a 6-month policy will be  $2,534.50
LOL SERIOUSLY?????
there is no way in the world im paying 5000$ a year for car insurance...
(i did find a bit cheaper elsewhere but just had to share..) (and when i say a BIT i mean a BIT lol
Only $4,673/year more than I pay for my Altima SL.
Title: Re: Auto Insurance
Post by: MnM1130 on August 14, 2012, 04:27:24 PM
Only $4,673/year more than I pay for my Altima SL.
thanks! made me feel so much better!
Title: Re: Auto Insurance
Post by: Dan on August 14, 2012, 04:32:18 PM
thanks! made me feel so much better!
I've got a $70,000 house for you here if you'd like as well.
Title: Re: Auto Insurance
Post by: MnM1130 on August 14, 2012, 04:44:26 PM
ha.. ur funny cus im not living in NY im looking into diff states/cities, im just here for the summer and i need to get a car- so i need to get insurance first and i have an address in bklyn now. If i wait another 2 months im sure insurance will be cheaper cus i dont plan on living in a city.
Title: NJ Auto Insurance
Post by: Thingywingy on September 06, 2012, 03:06:18 PM
I'm looking for new auto insurance. I got a quote from a Joe Gili in Lakewood. So far he was able to get me the best rate. I'm wondering if anyone has had experience with him in the past. I just want to make sure his providor is reliable and easy to deal with.
Title: Re: NJ Auto Insurance
Post by: AsherO on September 06, 2012, 03:16:36 PM
Paging Bades...
Title: Re: NJ Auto Insurance
Post by: Thingywingy on September 06, 2012, 03:25:47 PM
Paging Bades...
Is he th expert on Insurance?
Title: Re: NJ Auto Insurance
Post by: doodley on September 06, 2012, 03:38:26 PM
I'm also looking for new auto insurance in jersey. Please keep us updated as to what you find out.
Title: Re: NJ Auto Insurance
Post by: Thingywingy on September 06, 2012, 03:45:23 PM
Well he gave me the best rate so far. I shopped around a bit already. Prime Insurance was the closest so I would reccomend calling them as well.
Title: Re: NJ Auto Insurance
Post by: kracked dude on September 06, 2012, 03:49:44 PM
Have you tried AAA ?
Mindy Stein
 AAA Mid-Atlantic Insurance Group Insurance Counselor (P) 732-389-5559 Ext 88321
Title: Re: NJ Auto Insurance
Post by: bubkiz on September 06, 2012, 04:10:58 PM
Have you tried AAA ?
Mindy Stein
 AAA Mid-Atlantic Insurance Group Insurance Counselor (P) 732-389-5559 Ext 88321
Regarding AAA: The online quote can be lower than an agent. My online quote was $35 less than Ms. Stein (who is not frum BTW).
Title: Re: NJ Auto Insurance
Post by: Thingywingy on September 06, 2012, 04:15:15 PM
I tried AAA. I have Amica. I also tried Plymth Rock, Century 21, Progressive, All-State, and Geico. Prime is a broker and their offer was with Met-Life.
Title: Re: Re: NJ Auto Insurance
Post by: kracked dude on September 06, 2012, 04:16:51 PM
Regarding AAA: The online quote can be lower than an agent. My online quote was $35 less than Ms. Stein (who is not frum BTW).
I only have good experiences with her. I also lowered my rate by being a AAA member and by also getting renters insurance
Title: Re: NJ Auto Insurance
Post by: mod on September 10, 2012, 11:14:48 AM
I got a very competitive rate from Liberty Mutual
Title: Re: NJ Auto Insurance
Post by: MarkS on September 10, 2012, 11:26:55 AM
I use Joe Gili. For the record, he isn't in Lakewood, but he does work with a lot of Lakewood guys. He got me the cheapest rate through IFA (he is an agent and will shop diff. companies for the lowest rate for you).
I can't vouch for IFA as I B"H haven't had to make any claims with them, but Joe is a good guy and can probably get you better rates than you're finding on your own.
Title: Re: NJ Auto Insurance
Post by: asd on September 10, 2012, 01:51:11 PM
how do yo contact joe?
Title: Re: NJ Auto Insurance
Post by: MarkS on September 10, 2012, 01:52:48 PM
how do yo contact joe?
The Gili Agency
P.O. Box 802
Forked River, NJ 08731
973.284.1177
609.242.1020
Fax: 877.496.1440
 
www.TheGiliAgency.com
 
Find Us on Facebook
"The Gili Agency"
 
Find Us on Twitter
"@TheGiliAgency"
Title: Re: NJ Auto Insurance
Post by: Thingywingy on September 10, 2012, 04:14:30 PM
http://www.autoinsurance.org/companies/ifa-auto-insurance-review/
http://insurance.freeadvice.com/reviews/92/survey/IFA+Auto/
While these are random reviews edmunds recommended checking with the National Association of Insurance Commissioners' Consumer Information Source. Look at there results. https://eapps.naic.org/cis/indexReport.do
The National Median Complaint Ratio is 1.00 IFA is 2.94
Seems like you get what you pay for. If anyone here has any experience with IFA, please share.
Title: Re: NJ Auto Insurance
Post by: ygift on September 10, 2012, 04:28:34 PM
I use Mindy Stein
she saved me more about 1400 dollars
I moved my home ins over to her as well
having AAA membership helps a lot. the cost of membership is MORE then covered with the savings
its worth the call to her
Title: Re: NJ Auto Insurance
Post by: Thingywingy on September 10, 2012, 04:41:54 PM
My next cheapest option is with MetLife which was offered through Prime Insurance. Their rating on the is much better at 1.07 at NAIC. https://eapps.naic.org/cis/indexReport.do
Title: Re: NJ Auto Insurance
Post by: eddy100 on September 20, 2012, 02:09:12 AM
Iíd recommend contacting TheHartford (http://www.thehartford.com/auto-insurance/car-insurance-quotes) for a quote as well. My wife and I have our home and auto insurance through them and in the 16 years weíve had them, weíve never had a problem with their service. They also offer some pretty great discounts so I definitely think you should take a look at them.
Title: Rental insurance
Post by: Seeyou on December 25, 2012, 09:43:21 PM
Is there a way to get insurance just for car rentals instead of having to pay every time insurance by a rental like hertz and avis you just pay a once a month fee and that will always cover you?
Title: Re: Rental insurance
Post by: mclovin on December 25, 2012, 09:45:30 PM
Is there a way to get insurance just for car rentals instead of having to pay every time insurance by a rental like hertz and avis you just pay a once a month fee and that will always cover you?
think someone posted a link to something like that before. but why do you need it. if you have a car your regular insurance should cover you. and if not your credit card should cover you (some cards will even cover before your car insurance)
Title: Re: Re: Rental insurance
Post by: moto on December 25, 2012, 10:18:20 PM
think someone posted a link to something like that before. but why do you need it. if you have a car your regular insurance should cover you. and if not your credit card should cover you (some cards will even cover before your car insurance)
well Officialy my Amex starwood card does not cover liability insurance from Hertz that costs 13.95??
Title: Re: Rental insurance
Post by: Saver2000 on December 25, 2012, 10:20:33 PM
@OP
@moto

There is no cc that covers liability.
Title: Re: Rental insurance
Post by: mclovin on December 25, 2012, 10:51:48 PM
@OP
@moto

There is no cc that covers liability.
but there is a minimum you automatically get from the rental company by law IIRC
Title: Re: Rental insurance
Post by: SGF on December 25, 2012, 11:50:24 PM
No CC will cover liability.
I looked into it and found that Geico has something called a 'non owners policy' which is for people that don't own a car and want to have 3rd party liability insurance.
Its not so cheap so it's only worth if you rent alot, also it doesn't cover as much as the rental car companies cover.
It doesn't hurt to get a quote its only a soft pull on your credit.
Title: Re: Rental insurance
Post by: Saver2000 on December 25, 2012, 11:56:29 PM
but there is a minimum you automatically get from the rental company by law IIRC
I don't think you're right.

Every car legally needs liability in order to be on the road. Therefore every rental car has liability on it whether you pay $13.99 or not.

The problem is that the rental company doesn't let you "use" their liability insurance when there's an accident.

If there's any amount that the law requires their insurance to pay out - they will bill you for it.
Title: Re: Rental insurance
Post by: MEIR613 on December 26, 2012, 12:04:14 AM
I don't think you're right.

Every car legally needs liability in order to be on the road. Therefore every rental car has liability on it whether you pay $13.99 or not.

The problem is that the rental company doesn't let you "use" their liability insurance when there's an accident.

If there's any amount that the law requires their insurance to pay out - they will bill you for it.

I always rely on rental insurance from the state. I had a friend who totaled another car (around 15k) He never heard from them. Called up the rental company and they told him the state has a mandatory 20k insurance that the rental company gives you even wthout taking out anything.
Title: Re: Rental insurance
Post by: SGF on December 26, 2012, 12:11:06 AM
I don't think you're right.

Every car legally needs liability in order to be on the road. Therefore every rental car has liability on it whether you pay $13.99 or not.

The problem is that the rental company doesn't let you "use" their liability insurance when there's an accident
We are obviously discussing about something I can benefit from as in what I could 'use', so for all practical purposes if I dont pay there's no liability.
but there is a minimum you automatically get from the rental company by law IIRC
+1
Title: Re: Rental insurance
Post by: SGF on December 26, 2012, 12:27:40 AM
 state minimum liability for hertz (http://forums.dansdeals.com/index.php?topic=5290.0)
Title: Re: Rental insurance
Post by: Saver2000 on December 26, 2012, 12:44:05 AM
state minimum liability for hertz (http://forums.dansdeals.com/index.php?topic=5290.0)
That's what Hertz is required to pay out to the damaged party.

If they wouldn't be required rlto pay out anything,  then what would be the point of the law requiring  that there is liability on the car?

Hertz can and will pay whatever they are required to. The question is how much they will charge you.

(Many years ago) a friend of mine rented from avis and did normt take out liability.  Obviously/automatically the liability on the car covered the damaged car.

Avis bill him $3k for letting him use their insurance.  They called it a 'deductible'.

Title: Re: Auto Insurance
Post by: Cbs on January 03, 2013, 02:29:16 AM
id appreciate some advice and assistance here:

i decided to purchase a car on craigslist..not long term - just for the time being few months (prob).
i havent the first clue about the insurance policies etc.. so ill write some of my info that is relevant and if someone can help me find the cheapest insurance policy id greatly appreciate that:

im not sure whats better to do, but should i get insurance on me (non owner) since i may sell this car within he next few weeks and get a new one?
or should i get insurance on the car im driving (liability that is)? if so, then what happens when i switch cars?

thanx
Title: car ownership
Post by: LYNDA on January 20, 2013, 02:56:44 AM
is there a way to determine the owner of a car based on the vin number alone?
Title: Re: car ownership
Post by: Centurion on January 20, 2013, 12:32:17 PM
in new york     the nypd can
Title: Re: car ownership
Post by: LYNDA on January 20, 2013, 01:01:34 PM
the police dept can do it without the license plate number?  with only the vin number?
Title: Re: car ownership
Post by: Centurion on January 20, 2013, 01:06:28 PM
there was a car parked without plates for a few weeks and nypd was able to track down the owner that his car was stolen. maybe it was once registered in new york?!
Title: Re: car ownership
Post by: Saver2000 on January 20, 2013, 01:08:24 PM
Are you looking to find out how many owners the car had?  Or you're just looking to find out who the current owner is?
Title: Re: car ownership
Post by: Centurion on January 20, 2013, 01:09:20 PM
contact the manufac. ford toyota honda chevy etc.
Title: Re: car ownership
Post by: Saver2000 on January 20, 2013, 01:13:51 PM
contact the manufac. ford toyota honda chevy etc.
How would they have that info??
Title: Re: car ownership
Post by: LYNDA on January 20, 2013, 01:22:57 PM
I am looking to find the current owner and why would toyotat have that information?
Title: Re: car ownership
Post by: Centurion on January 20, 2013, 01:51:45 PM
most people (newer cars) send the info in - in case of recall.
Title: Re: car ownership
Post by: Centurion on January 20, 2013, 01:52:15 PM
if the car has the same insurace company they can look it up as well
Title: Re: car ownership
Post by: LYNDA on January 20, 2013, 02:38:06 PM
if the car has the same insurance company as who?
Title: Re: car ownership
Post by: Centurion on January 20, 2013, 02:39:58 PM
as you-
example - geico can look up any vin # in their database that they insure
Title: Re: NY Point and Insurance Reduction Course
Post by: dovy2 on January 24, 2013, 10:46:54 PM
does anyone know of any get-arounds to get the certificate without actually sitting and watching the whole thing, or any other tips and ideas?
Title: Re: NY Point and Insurance Reduction Course
Post by: springles on January 24, 2013, 11:45:32 PM
does anyone know of any get-arounds to get the certificate without actually sitting and watching the whole thing, or any other tips and ideas?
As far as I know there is no way around it unless you know someone who offers the class and is willing to just give you a certificate, but thats risky for them. 
Title: Re: NY Point and Insurance Reduction Course
Post by: APoshiterYid on January 24, 2013, 11:50:21 PM
Naomi's Pizza on main street in KGH (queens) offers I believe once a month a "6 hour" course which is actually 45 minutes. Includes 2 slices and a coke for $29.95 IIRC.
Title: Re: NY Point and Insurance Reduction Course
Post by: yitzyul on January 25, 2013, 12:20:52 AM
Naomi's Pizza on main street in KGH (queens) offers I believe once a month a "6 hour" course which is actually 45 minutes. Includes 2 slices and a coke for $29.95 IIRC.

Does he deliver?  that would be a big help! ;D
Title: Re: NY Point and Insurance Reduction Course
Post by: dovy2 on January 25, 2013, 09:08:17 AM
any other places who offer that?
Title: Re: NY Point and Insurance Reduction Course
Post by: Entrepreneur on January 25, 2013, 10:37:49 AM
I used idrivesafely.com
I have the questions and answers they ask as well.  Ultimately, they draw from a bank of questions, but these should cover a chunk.
You can even bargain with them on the price for the course.
Title: Re: NY Point and Insurance Reduction Course
Post by: dovy2 on January 25, 2013, 02:31:46 PM
seems like they are more expensive... how much did you get it for?
Title: Re: NY Point and Insurance Reduction Course
Post by: Entrepreneur on January 31, 2013, 12:18:33 PM
seems like they are more expensive... how much did you get it for?
I think I paid something like $25 or maybe even $19.95.  I used the online chat and you can just say you want to pay X.
Title: Car Insurance
Post by: danR on March 11, 2013, 12:09:16 PM
I have 2 questions, not sure if this is the right forum, but I am sure someone will let me know if it is not:

1. What is the best credit card to pay my car insurance on?
2. Anyone know how to get discounts on car insurance, I have a corp discount with Geico, but I am still paying $1,145 every 6 months for a 2012 Honda Accord (includes comprehensive and collision). Anyone know where I can get a better deal?
Title: Re: Car Insurance
Post by: noturbizniss on March 11, 2013, 12:13:18 PM
but I am still paying $1,145 every 6 months for a 2012 Honda Accord (includes comprehensive and collision). Anyone know where I can get a better deal?

Where do you live? I'm paying $800 for a Santa fe.
Title: Re: Car Insurance
Post by: danR on March 11, 2013, 12:15:16 PM
Brooklyn
Title: Re: Car Insurance
Post by: noturbizniss on March 11, 2013, 12:18:41 PM
Brooklyn
Wow - that seems expensive for geico.  What's your driving history and record like?
Title: Re: Car Insurance
Post by: danR on March 11, 2013, 12:27:58 PM
clean as a whistle
Title: Re: Car Insurance
Post by: noturbizniss on March 11, 2013, 12:29:20 PM
clean as a whistle
How long you been driving?
Title: Re: Car Insurance
Post by: danR on March 11, 2013, 12:31:00 PM
I have had a NY license for 13 years.

Also there is second car on my policy - a Toyota camry 1997 which we don't have collusion or comprehensive and am paying $758 semi-annually

I also took the defensive driving class which brought my rate down
Title: Re: Car Insurance
Post by: noturbizniss on March 11, 2013, 12:34:16 PM
I have had a NY license for 13 years.

Also there is second car on my policy - a Toyota camry 1997 which we don't have collusion or comprehensive and am paying $758 semi-annually

I also took the defensive driving class which brought my rate down
Any kids on your policy that could be driving it up?
Title: Re: Car Insurance
Post by: danR on March 11, 2013, 12:46:23 PM
no young drivers, how much do you think i should be paying,

here is the breakdown for 2012 Honda

bodily injury                         $357.50
property damage                    115.70
Bsc personal injury protection   307.20
Supplementary Uninsured     25.50
Comprehensive                   102.20
Collision                                   218.40
Emergency Road Service               3.50
Mechanical breakdown             14.60
Total 6 month Premium      $1,144.60

and breakdown for 1997 Camry

bodily injury                         $339.10
property damage                    115.20
Bsc personal injury protection 277.90
Supplementary Uninsured         25.50
Total 6 month Premium        $757.70

Title: Re: Car Insurance
Post by: YankyDoodle on March 11, 2013, 01:17:19 PM
I have 2 questions, not sure if this is the right forum, but I am sure someone will let me know if it is not:

1. What is the best credit card to pay my car insurance on?
2. Anyone know how to get discounts on car insurance, I have a corp discount with Geico, but I am still paying $1,145 every 6 months for a 2012 Honda Accord (includes comprehensive and collision). Anyone know where I can get a better deal?

Sounds awfully high

Without much work, you can just call your agent and tell them that you did a quick search and can get quite a bit cheaper from other companies. Is there anything you can do for me being a good customer for so long etc.

Title: Re: Car Insurance
Post by: glasses dude on March 11, 2013, 01:23:55 PM
I have 2 questions, not sure if this is the right forum, but I am sure someone will let me know if it is not:

1. What is the best credit card to pay my car insurance on?
2. Anyone know how to get discounts on car insurance, I have a corp discount with Geico, but I am still paying $1,145 every 6 months for a 2012 Honda Accord (includes comprehensive and collision). Anyone know where I can get a better deal?
i have a 2012 accord and im paying 124.09 a month with geico in nj.
Title: Re: Car Insurance
Post by: danR on March 11, 2013, 03:03:53 PM
I have a very high bodily injury liability -each person/each occurrence $250,000/$500,000 - what do most people have?
Title: Re: Car Insurance
Post by: noturbizniss on March 11, 2013, 03:12:17 PM
I have a very high bodily injury liability -each person/each occurrence $250,000/$500,000 - what do most people have?
I have 100/300. Also looks like your Basic Personal Injury Protection is high too. I have $131 for 50K. Do you have deductibles on comprehensive and collision? I have $500 each and pay $30 and $60 less on each.
Title: Re: Car Insurance
Post by: danR on March 11, 2013, 03:25:28 PM
which insurance company do you use? do you have the number for your agent.
Title: Re: Car Insurance
Post by: nutcase on March 11, 2013, 03:41:00 PM
I have a very high bodily injury liability -each person/each occurrence $250,000/$500,000 - what do most people have?
here is where you are getting ripped off
Bsc personal injury protection   307.20
Bsc personal injury protection 277.90

do you have health insurance? pip is a scam
Title: Re: Car Insurance
Post by: CountValentine on March 11, 2013, 03:44:58 PM
I have a very high bodily injury liability -each person/each occurrence $250,000/$500,000 - what do most people have?
Umbrella policy for 5 million.
Title: Re: Car Insurance
Post by: danR on March 11, 2013, 03:57:29 PM
here is where you are getting ripped off
Bsc personal injury protection   307.20
Bsc personal injury protection 277.90

do you have health insurance? pip is a scam
I do have health insurance - are you saying I don't need PIP?
Title: Re: Car Insurance
Post by: noturbizniss on March 11, 2013, 04:45:39 PM
which insurance company do you use? do you have the number for your agent.
www.geico.com (http://www.geico.com)
Bodily Injury Liability     $165.50      
Current Limit: $100,000/$300,000         
Property Damage Liability     $94.80      
Current Limit: $50,000         
Optional Basic Economic Loss   Not Carried      
Current: Not Carried         
Additional Personal Injury Protection   Not Carried      
Current: Not Carried         
Residual Medical Payments   Not Carried      
Current: Not Carried         
Uninsured Motorist   Not Carried      
Current: Not Carried         
Supplementary Uninsured Motorist     $12.00      
Current Limit: $25,000/$50,000         
         
Protects your vehicles         
   2009      
   HYUNDAI      
   SANTA FE      
Basic Personal Injury Protection     $131.50      
Deductible   Basic Non-Deductible      
Comprehensive     $70.90      
Deductible   $500 Ded. With Full Glass      
Collision     $168.80      
Deductible   $500 Ded.      
Emergency Road Service     $6.00      
   Full Coverage Vehicle      
Mechanical Breakdown Insurance     $21.00      
Deductible   $250 Ded.      
Rental Reimbursement     $18.20      
   $30/Day, $900Max      
Title: Re: Car Insurance
Post by: danR on March 11, 2013, 05:14:13 PM
Do you have any discounts?
Title: Re: Car Insurance
Post by: noturbizniss on March 11, 2013, 10:18:18 PM
5 hour course through improvcomedy online.
Title: Re: Car Insurance
Post by: alpicone on March 11, 2013, 10:55:07 PM
Go on geico.com, get a quote to change your policy to 100/300 and $1,000 deductible where possible and see what that will reduce the quote to.

The other big factor is how you are reporting the usage of the car. Pleasure/work/school and how many miles a year make a difference in price.
Title: Re: Car Insurance
Post by: peace123 on March 11, 2013, 11:15:04 PM
I HAVE FAIrly GOOD FULL INSURANCE FOR MY CAMRY 2007> used to pay about $600 for 6 months 2 yrs ago. now with geico I pay  $350  for 6 month.
Title: Re: Car Insurance
Post by: moko on March 11, 2013, 11:19:19 PM
I HAVE FAIrly GOOD FULL INSURANCE FOR MY CAMRY 2007> used to pay about $600 for 6 months 2 yrs ago. now with geico I pay  $350  for 6 month.
350 for 6 mos. is that 100/300 +comrehensive+collision :o :o
Title: Re: Car Insurance
Post by: danR on March 12, 2013, 10:07:27 AM
$350 sounds way too low
Title: Re: Auto Insurance
Post by: Dan on March 18, 2013, 02:14:22 PM
$350 sounds way too low
Under $200 per 6 months in CLE.
Title: Re: Auto Insurance
Post by: moko on March 18, 2013, 02:22:48 PM
Under $200 per 6 months in CLE.
for full (100/300), comprehensive? :o
Title: Re: Auto Insurance
Post by: Dan on March 18, 2013, 02:26:19 PM
for full (100/300), comprehensive? :o
Yes, posted pics earlier in this thread.
Title: Re: Auto Insurance
Post by: Zalmy2 on March 18, 2013, 11:09:07 PM
Is there a risk of changing my address on licence to diff location to get a much chesper quote?
Title: Re: Auto Insurance
Post by: moko on March 18, 2013, 11:54:16 PM
 ::) ye if s/t big happens they'll investigate and bam- u got a $50,000 bill oh and some fraud charges
Title: Re: Auto Insurance
Post by: Zalmy2 on March 19, 2013, 12:02:21 AM
The prices here in brookltn are CRAZY
Title: Re: Auto Insurance
Post by: moko on March 19, 2013, 12:04:31 AM
well, my 780 compared to dans 200 is quite crazy, but even in places like chicago it'll run u like 100 a month
Title: Re: Auto Insurance
Post by: Dan on March 19, 2013, 12:13:52 AM
The prices here in brookltn are CRAZY
At least in LA they have the weather to offset the crazy high costs of living...
Title: Re: Auto Insurance
Post by: elikay on March 19, 2013, 12:16:23 AM
well, my 780 compared to dans 200 is quite crazy, but even in places like chicago it'll run u like 100 a month
If you shop around & trim the unnecessary and redundant coverages you can cut off a nice %
Title: Re: Auto Insurance
Post by: Zalmy2 on March 19, 2013, 12:18:37 AM
If you shop around & trim the unnecessary and redundant coverages you can cut off a nice %
my current quote 2831 for brooklyn 1315 for monsey

Licence less than a yr. 22
Title: Re: Auto Insurance
Post by: youG on March 19, 2013, 02:29:26 PM
I'M at $2100 fr 6 months 2 cars.crazy!! Geico said theyll get me $1200 and when i gave my CC they all of a sudden went up to $2850 but promised me in 6 it "most likely " will go way down!
Title: Re: Auto Insurance
Post by: sillypainter on March 19, 2013, 02:51:32 PM
About $350 for 6 months with Geico. I'm in upstate NY.
Title: Re: Auto Insurance
Post by: Zalmy2 on March 19, 2013, 03:02:14 PM
About $350 for 6 months with Geico. I'm in upstate NY.
lease?
Title: Re: Auto Insurance
Post by: MEIR613 on April 09, 2013, 07:35:02 PM
Anyone know a good place to get auto insurance for a 24 ft. truck?

I contacted a couple places and they were extremely high.

If anyone does truck insurance or knows of anyone, please pm me.



Title: Re: Auto Insurance
Post by: MEIR613 on April 10, 2013, 09:38:49 AM
Anyone know a good place to get auto insurance for a 24 ft. truck?

I contacted a couple places and they were extremely high.

If anyone does truck insurance or knows of anyone, please pm me.
BUMP

No one sells truck insurance here?
Title: Re: Auto Insurance
Post by: YSP on April 11, 2013, 10:29:58 AM
I do. email me.
Title: Re: Auto Insurance
Post by: noturbizniss on April 12, 2013, 12:50:15 PM
I do. email me.
Has anyone else been spammed by this guy offering to sell you auto insurance?  Isn't that against forum rules?
Title: Re: Auto Insurance
Post by: Dan on April 12, 2013, 02:59:10 PM
Has anyone else been spammed by this guy offering to sell you auto insurance?  Isn't that against forum rules?
You can RTM spam PMs directly to me.
Title: Re: Auto Insurance
Post by: noturbizniss on April 12, 2013, 03:28:18 PM
You can RTM spam PMs directly to me.
Thanks - report to admin button is right there and I missed it.
Title: Re: Auto Insurance
Post by: MEIR613 on April 12, 2013, 03:35:43 PM
Has anyone else been spammed by this guy offering to sell you auto insurance?  Isn't that against forum rules?
He's actually legit.

I know him.
Title: Re: Auto Insurance
Post by: Dan on April 12, 2013, 03:38:35 PM
He's actually legit.

I know him.
It doesn't matter if you're legit.
PM spam will earn you a warning and/or a ban.
Title: Re: Auto Insurance
Post by: MEIR613 on April 12, 2013, 03:43:00 PM
It doesn't matter if you're legit.
PM spam will earn you a warning and/or a ban.
Just curious, what is exactly PM spam.

If I see on a thread that a bunch of people have what I want, I can't PM them an offer.

OR I just can't start Pm-ing random people to either buy/offer something/services of mine.

 
Title: Re: Auto Insurance
Post by: noturbizniss on April 12, 2013, 05:55:04 PM

OR I just can't start Pm-ing random people to either buy/offer something/services of mine.
I'm sure he is legit but he did THAT. A month ago I posted my auto insurance rates that i pay and today he pms me that he can get me a good quote.  I did not ask for quotes. Especially don't he had one post is kind of sketchy. I reminds me when a financial advisor in my shul cold called our shul directory. It was not appreciated.
Title: Re: Auto Insurance
Post by: MEIR613 on April 12, 2013, 05:58:14 PM
That's what he did. A month ago I posted my auto insurance rates that i pay and today he pms me that he can get me a good quote.  I did not ask for quotes. Especially don't he had one post is kind of sketchy. I reminds me when a financial advisor in my shul cold called our shul directory. It was not appreciated.
I'm not sure that is considered spam, since you were talking about insurance quotes, but maybe I'm wrong.

@Dan, you want to chime in?
Title: Re: Auto Insurance
Post by: Dan on April 12, 2013, 06:03:25 PM
If it's not solicited in a post them it's spam.
Title: Re: Auto Insurance
Post by: noturbizniss on April 12, 2013, 06:05:27 PM
I'm not sure that is considered spam, since you were talking about insurance quotes, but maybe I'm wrong.

@Dan, you want to chime in?
your request for truck insurance would be ok for pm. I just commented what I pay I didn't say Im looking for new quotes. Especially cuz i posted a month ago.
Title: Re: Auto Insurance
Post by: SPLP on April 13, 2013, 03:34:09 AM
noturbizniss-- You are right --I believe we all want to be able to speak among ourselves and exchange info - WITH OUT  someone trying to SELL us -- this is one of the nice things about our community --I also believe if make any exceptions it will destroy this blog , right now i feel very comfortable to ask anything without worrying  that someone will be trying to sell me --if someone wants to be solicited they can ask for a PM

I AM always very nervous when I see someone with only a few posts offer to sell something/ exchange etc my antennas go up immediately 
Title: Re: Auto Insurance
Post by: YSP on April 15, 2013, 10:10:10 AM
Thanks for the heads up. Just to be clear. I am new to Dans deals Forums and did not realize the rules. Will obey in the future. Just trying to make a buck.

Didn't mean to bother.

Title: Re: Auto Insurance
Post by: ahecht37 on April 23, 2013, 05:48:13 PM
::) ye if s/t big happens they'll investigate and bam- u got a $50,000 bill oh and some fraud charges
anyone have any experience with this? is there even a way for them to find out? if you have the proper government id how can they tell?
Title: Car Insurance and points on license
Post by: Thingywingy on April 24, 2013, 11:17:58 PM
I did some  shopping for car insurance today. I looked afterwards on my driver abstract and saw  2 violations that occurred in April, 2010. One on the 7th for failure to observe traffic control device, another on the 30th for failure to wear seat belt. 1st comes up as 2 points, 2nd doesn't show any points. My understanding is that violations come off after 3 years. Is it possible I'd get better rates if I wait for April 30 to pass?
Title: Re: Car Insurance and points on license
Post by: Marco Polo on April 24, 2013, 11:22:40 PM
I did some  shopping for car insurance today. I looked afterwards on my driver abstract and saw  2 violations that occurred in April, 2010. One on the 7th for failure to observe traffic control device, another on the 30th for failure to wear seat belt. 1st comes up as 2 points, 2nd doesn't show any points. My understanding is that violations come off after 3 years. Is it possible I'd get better rates if I wait for April 30 to pass?
Unless you need the insurance ASAP, why not wait it out a couple days?
Title: Re: Car Insurance and points on license
Post by: Thingywingy on April 25, 2013, 12:14:40 AM
I'm not sure if couple days is enough...will they give me a new quote if I just got one a few days ago? I know they try to avoid checking as it costs them $$
Title: Re: Car Insurance and points on license
Post by: chookshook on April 25, 2013, 12:52:35 AM
What insurance company are you looking at? You can adjust info with online quotes as many times as you want and get all the quotes you want afaik.
Title: Re: Car Insurance and points on license
Post by: Thingywingy on April 25, 2013, 02:28:03 AM
Geico had the best rate. It's not about adjusting the policy coverages; it's about my record of violations. If their system shows they recently checked my record I don't think they will recheck. In addition even if they do recheck, they may keep my violation info ie. the April 2010 violation on their own system.
Title: Re: Car Insurance and points on license
Post by: Marco Polo on April 25, 2013, 10:19:06 AM
I'm not sure if couple days is enough...will they give me a new quote if I just got one a few days ago? I know they try to avoid checking as it costs them $$
Title: Re: Car Insurance and points on license
Post by: MosheP on April 26, 2013, 12:15:53 AM
Geico had the best rate. It's not about adjusting the policy coverages; it's about my record of violations. If their system shows they recently checked my record I don't think they will recheck. In addition even if they do recheck, they may keep my violation info ie. the April 2010 violation on their own system.

I have Geico o called recently to inquire about points and premiums going up. I was told that if you currently have a clean record they may not pull your driving history for years and just assume it is unchanged. Of course an accident or a DUI or the like would result in a "pull" and a premium increase.
Title: Re: Car Insurance and points on license
Post by: ari101 on April 26, 2013, 12:24:53 AM
Btw -don't wanna hijack the thread, just ..מענין לענין באותו ענין- how can I know if/how many points I have on my license?
Title: Re: Car Insurance and points on license
Post by: Thingywingy on April 26, 2013, 12:29:28 AM
You can get a drivers abstract from DMV. In NJ it's about $15.
Title: Re: Auto Insurance
Post by: YSP on April 26, 2013, 11:17:14 AM
The adjustors who come out for the claim were not born yesterday. They do investigate and will not pay if they don't have to or if there was fraud.
Title: Re: Auto Insurance
Post by: ahecht37 on April 28, 2013, 04:38:49 AM
The adjustors who come out for the claim were not born yesterday. They do investigate and will not pay if they don't have to or if there was fraud.
granted, but say you buy a junk house for 5k in Detroit (pays off in 2nd yr), and go there periodically for updating your license and plates, how can they prove that you don't live there?
Title: Re: Auto Insurance
Post by: hocker on April 28, 2013, 06:41:16 AM
The adjustors who come out for the claim were not born yesterday. They do investigate and will not pay if they don't have to or if there was fraud.
-1. I got a payout for an accident while I was driving with a suspended license! IME the adjusters don't do any research other than the basic accident info and the damage value.

Please don't quote this post as I will be deleting it within 24 hours.
Title: Re: Auto Insurance
Post by: yuneeq on April 28, 2013, 07:03:25 AM
I heard from someone that I get a discount on insurance when I turn 24. Does it happen automatically or do I need to call? And if I need to call, can I call before my birthday to receive it?
Title: Re: Auto Insurance
Post by: moko on April 28, 2013, 08:26:29 AM
-1
was it a large one (as stated above)
if s/t big happens they'll investigate and bam- u got a $50,000 bill oh and some fraud charges
Title: Re: Auto Insurance
Post by: hocker on April 28, 2013, 08:44:19 AM
was it a large one (as stated above)
The payout was $10k+
Title: How much auto liability insurance
Post by: henche on April 28, 2013, 04:25:48 PM
So I always insured my car only to the statutory minimum, reasoning that I have no money to be sued for anyway.

But pretty soon, I'm going to have a real job, and work in a real office, and have a real blackberry, and a real salary, and a fake secretary. So maybe I should actually have insurance that will protect me in case I'm sued.

How much liability insurance do people usually carry?
Title: Re: How much auto liability insurance
Post by: SGF on April 28, 2013, 05:45:29 PM
So I always insured my car only to the statutory minimum, reasoning that I have no money to be sued for anyway.

But pretty soon, I'm going to have a real job, and work in a real office, and have a real blackberry, and a real salary, and a fake secretary. So maybe I should actually have insurance that will protect me in case I'm sued.

How much liability insurance do people usually carry?
Avg. Is bet. $300K/$1M
Maybe add a poll
Title: Re: How much auto liability insurance
Post by: myb821 on April 28, 2013, 06:07:46 PM
Avg. Is bet. $300K/$1M
Maybe add a poll
Really 1m?
Title: Re: How much auto liability insurance
Post by: henche on April 28, 2013, 06:12:37 PM
Really 1m?

Well see, that's the thing. If I would be involved in a MVA with casualties, I could very conceivably be sued for 1m or more. A wrongful death is quite a lot of damages.

And suppose you occasionally text while driving, which is negligence per se and also pretty reckless IMO. You could be looking at some serious liability.
Title: Re: Auto Insurance
Post by: YSP on April 29, 2013, 09:36:53 AM
having a suspended license isn't reason for denying a claim. if the policy is in force they can only deny a claim if there was fraud. having a house in Detroit may help you get a license there but that doesn't mean they won't ask questions in case there is a claim but you may have to bend the truth on some of their questions and that's where you may get busted.

I've seen big claims denied so the guy could save money on his monthly premium. Not worth it in the end.
Title: Re: Auto Insurance
Post by: YSP on April 29, 2013, 09:39:47 AM
I heard from someone that I get a discount on insurance when I turn 24. Does it happen automatically or do I need to call? And if I need to call, can I call before my birthday to receive it?

It won't happen by you calling in. usually it affects your premium by the first renewal after jan 1
Title: Re: How much auto liability insurance
Post by: YSP on April 29, 2013, 09:51:42 AM
So I always insured my car only to the statutory minimum, reasoning that I have no money to be sued for anyway.

But pretty soon, I'm going to have a real job, and work in a real office, and have a real blackberry, and a real salary, and a fake secretary. So maybe I should actually have insurance that will protect me in case I'm sued.

How much liability insurance do people usually carry?

having no assets used to be good cheshbon but now they will garnish wages for the next 'x' amount of years until they recover the total amount your sued for. Yoiu should have at least 100/300 on your auto liability. If you're nervous then get an Umbrella which gives you another $1 million of coverage above although you will have to bump up your underlying limits to 300/300 but the umbrella is usually just a couple hundred bucks a year and will also cover your house/apt.
Title: Re: How much auto liability insurance
Post by: skyguy918 on April 29, 2013, 02:37:30 PM
having no assets used to be good cheshbon but now they will garnish wages for the next 'x' amount of years until they recover the total amount your sued for. Yoiu should have at least 100/300 on your auto liability. If you're nervous then get an Umbrella which gives you another $1 million of coverage above although you will have to bump up your underlying limits to 300/300 but the umbrella is usually just a couple hundred bucks a year and will also cover your house/apt.

+1 about getting umbrella coverage, especially if you also have a home or renter policy. But I'm pretty sure my father has an umbrella policy on top of 100/300 coverage. Are you sure about the underlying needing to be at least 300/300? Maybe it varies by insurer?
Title: Re: How much auto liability insurance
Post by: YSP on April 29, 2013, 03:00:35 PM
every carrier requires it. Could be an oversight on their end
Title: Re: How much auto liability insurance
Post by: henche on April 29, 2013, 03:28:44 PM
Ok, so I increased to 300/300, and 100 for property damage.
my new 6 month premium is  $287.08
Title: Re: How much auto liability insurance
Post by: YSP on April 29, 2013, 03:42:00 PM
Nice. Not a whole lot.
Title: Re: How much auto liability insurance
Post by: henche on April 29, 2013, 03:58:51 PM
OTOH, it just increases the likelihood of being sued. :-(
Title: Re: How much auto liability insurance
Post by: CountValentine on April 29, 2013, 04:04:27 PM
Maybe it varies by insurer?
No maybe about it, it does.
Title: Re: How much auto liability insurance
Post by: skyguy918 on April 29, 2013, 04:55:33 PM
No maybe about it, it does.

+1

every carrier requires it. Could be an oversight on their end

A quick internet search shows that this is not true. Every carrier has a minimum requirement, but your specific example of requiring 300/300 auto liability is not at all universal.
Title: Re: Car Insurance and points on license
Post by: YSP on May 02, 2013, 12:16:12 PM
If you make the effective date today now that April 30 has passed the rate should be lower. The tickets only count for 36 months to the day.
Title: Re: Car Insurance and points on license
Post by: Thingywingy on May 02, 2013, 01:27:25 PM
I think they will use existing quote. Because its so recent they won't recalculate my rate. It costs them money to pull up my record.
Title: $4000 payment to geico
Post by: yoss6400 on May 02, 2013, 01:43:19 PM
i need to pay geico $4000 i have the ink bold, freedom, sapfire, citiAA, which one would be the best to use?
Title: Re: $4000 payment to geico
Post by: yossi4k on May 02, 2013, 01:51:31 PM
i need to pay geico $4000 i have the ink bold, freedom, sapfire, citiAA, which one would be the best to use?
ink + freedom + sapphire= UR points which is better value than aa miles so it won't make a difference which chase card you use unless you have exclusives with your freedom
Title: Re: $4000 payment to geico
Post by: zale on May 02, 2013, 01:51:40 PM
i need to pay geico $4000 i have the ink bold, freedom, sapfire, citiAA, which one would be the best to use?

Buy visa gift cards at office supply stores with the Ink bold, and pay Geico with the gift cards.
Title: Re: $4000 payment to geico
Post by: SPLP on May 02, 2013, 02:04:15 PM
Buy visa gift cards at office supply stores with the Ink bold, and pay Geico with the gift cards.

CAN U?
Title: Re: $4000 payment to geico
Post by: yossi4k on May 02, 2013, 02:04:58 PM
Buy visa gift cards at office supply stores with the Ink bold, and pay Geico with the gift cards.
He will have to buy 20 x $200 gc and do 20 transactions to geico but otherwise your right
Title: Re: $4000 payment to geico
Post by: SPLP on May 02, 2013, 02:09:26 PM
He will have to buy 20 x $200 gc and do 20 transactions to geico but otherwise your right

Have not followed G.C. as i am outside the states and impossible for me to do now -- but  will be back --- is this because  u can add a pin to G.C. and that results in it  being treated as a debit transaction --if got wrong -- please clarify how it is done
Title: Re: $4000 payment to geico
Post by: hocker on May 02, 2013, 02:12:29 PM
Time for a master thread for all these "Which card should I use question's".
Title: Re: $4000 payment to geico
Post by: noturbizniss on May 02, 2013, 02:27:07 PM
using gift cards will cost ~$140 in fees = $140/16,000 (extra points) = paying 87.5 cents per point (versus getting 4,000 points for 4,000 spending without fees).
Title: Re: $4000 payment to geico
Post by: bubbles on May 02, 2013, 02:34:53 PM
using gift cards will cost ~$140 in fees = $140/16,000 (extra points) = paying 87.5 cents per point (versus getting 4,000 points for 4,000 spending without fees).

you might wanna move that decimal over a few places  :)
Title: Re: $4000 payment to geico
Post by: Saver2000 on May 02, 2013, 02:39:06 PM
Time for a master thread for all these "Which card should I use question's".
+100
Title: Re: Car Insurance and points on license
Post by: danfan5773 on May 02, 2013, 02:49:25 PM
Btw -don't wanna hijack the thread, just ..מענין לענין באותו ענין- how can I know if/how many points I have on my license?

In NY u can call the DMV @ (518)-474-0841 and u can ask how many points/violations /accidents are on ur license
 P.S. be sure to have time bc the wait time is long.
Title: Re: Car Insurance and points on license
Post by: YSP on May 02, 2013, 02:50:47 PM
I think they will use existing quote. Because its so recent they won't recalculate my rate. It costs them money to pull up my record.

They don't have to rerun the record. All they have to do is update the effective date which will cause the ticket from three years ago to no longer count against you.
Title: Re: $4000 payment to geico
Post by: SPLP on May 02, 2013, 02:51:00 PM
+100

how do you use a G.C. to pay GEICO or any bill on line?
Title: Re: $4000 payment to geico
Post by: Saver2000 on May 02, 2013, 02:54:34 PM
how do you use a G.C. to pay GEICO or any bill on line?
Like you would with a regular cc.
Title: Re: Car Insurance and points on license
Post by: danfan5773 on May 02, 2013, 03:00:31 PM
I did some  shopping for car insurance today. I looked afterwards on my driver abstract and saw  2 violations that occurred in April, 2010. One on the 7th for failure to observe traffic control device, another on the 30th for failure to wear seat belt. 1st comes up as 2 points, 2nd doesn't show any points. My understanding is that violations come off after 3 years. Is it possible I'd get better rates if I wait for April 30 to pass?

Afaik points stay on the license record forever.
 In NYS your points count for 18 months by the DMV so if u receive 6 points in 18 months u will get drivers insurance liability penalty.
I was told that by insurance they count it for 36 months. But it will only go off Dec 31 following the 36 months. I am not sure but that's what I was told.

I got very good quote from Ameriprise Auto Insurance and if ur a Costco member go thru them it will get u even bigger discount. 
Title: Re: $4000 payment to geico
Post by: Steven on May 02, 2013, 03:00:34 PM
Like you would with a regular cc.
geico takes cc..
Title: Re: $4000 payment to geico
Post by: MEIR613 on May 02, 2013, 03:08:54 PM
geico takes cc..
I personally don't know, but OP sure sounded like they do.
Title: Re: $4000 payment to geico
Post by: CountValentine on May 02, 2013, 03:16:00 PM
Car Insurance Payment Methods

Use a Debit or Credit Card

It's simple to make a payment with your debit card, check card or any major credit card. Just follow these easy steps
 Log in to the secure Policyholder Service Center
 Click on the "Pay by Card" link and enter your payment and card account information
 We'll charge your card within one business day

Title: Re: Car Insurance and points on license
Post by: YSP on May 02, 2013, 03:22:49 PM
Afaik points stay on the license record forever.
 In NYS your points count for 18 months by the DMV so if u receive 6 points in 18 months u will get drivers insurance liability penalty.
I was told that by insurance they count it for 36 months. But it will only go off Dec 31 following the 36 months. I am not sure but that's what I was told.

I got very good quote from Ameriprise Auto Insurance and if ur a Costco member go thru them it will get u even bigger discount.

Points for insurance count for 36 months but will come off after the first renewal after36 months. You don't need to wait until dec 31 for that to come off.
Title: Re: Car Insurance and points on license
Post by: Thingywingy on May 02, 2013, 03:53:52 PM
What is your source for Dec 31st after 36 months?
Title: Re: Car Insurance and points on license
Post by: smee123 on May 02, 2013, 04:38:26 PM
In NY u can call the DMV @ (518)-474-0841 and u can ask how many points/violations /accidents are on ur license
 P.S. be sure to have time bc the wait time is long.
Is that free?
Title: Re: $4000 payment to geico
Post by: yitzf on May 02, 2013, 04:56:53 PM
I personally don't know, but OP sure sounded like they do.

They do
Title: Re: $4000 payment to geico
Post by: yoss6400 on May 02, 2013, 05:45:13 PM
i have freedom exclusive  last time i made a payment i made 20 payments but decided its not worth the risk with chase
Title: Re: $4000 payment to geico
Post by: yossi4k on May 02, 2013, 06:15:35 PM
They do
+1 I've used amex with them

i have freedom exclusive  last time i made a payment i made 20 payments but decided its not worth the risk with chase
Well then last time you gained 200 UR points...this time you'll gain 20000 points
Title: Re: Car Insurance and points on license
Post by: Reb Jo on May 03, 2013, 12:52:13 AM
If someone got ticket from different state, and in ny for example they don't count a nj ticket for points,
will just having the ticket make you insurance go up, or only if u also get points for it?
Title: Re: Car Insurance and points on license
Post by: raphy781 on May 03, 2013, 02:00:49 AM
If someone got ticket from different state, and in ny for example they don't count a nj ticket for points,
will just having the ticket make you insurance go up, or only if u also get points for it?
It can affect your insurance. The insurance companies can find out about tickets even ones issued in other states, and even if they don't show up on your NY record.
Title: Re: Car Insurance and points on license
Post by: Saver2000 on May 03, 2013, 02:17:40 AM
I once inquired about a similar situation, and I was told that it doesn't necessarily go by how many points you get.

The situation i'm talking about is, my friend got a ticket with a 4 points. He was told not to plea bargain for 0 points, bec when the insurance company sees the ticket, they will know that there was had to have been points on this ticket, and that you plea bargained.

And when that happens,  they'll decide how many points the violation should be worth, and bump your rates based on their own assessment.

If you get it lowered to just 2 points, then they won't use their own calculations to decide how many points the ticket is worth, and they'll just go by whatever is actually is on there.   

 
Title: Re: Car Insurance and points on license
Post by: YSP on May 03, 2013, 09:01:34 AM
I once inquired about a similar situation, and I was told that it doesn't necessarily go by how many points you get.

The situation i'm talking about is, my friend got a ticket with a 4 points. He was told not to plea bargain for 0 points, bec when the insurance company sees the ticket, they will know that there was had to have been points on this ticket, and that you plea bargained.

And when that happens,  they'll decide how many points the violation should be worth, and bump your rates based on their own assessment.

If you get it lowered to just 2 points, then they won't use their own calculations to decide how many points the ticket is worth, and they'll just go by whatever is actually is on there.   

Depends on the insurance co. Some rate for points and others solely based on tickets regardless of the amount of points issued.


Yes, they trnasfer from other states. it used to be not but with modern technology, internet and everything being digital it's not hard for them to keep track.
Title: Re: Car Insurance and points on license
Post by: SavingsBigtime on May 03, 2013, 09:52:14 AM
thats why you go to an broker and he will shop around!!!
Title: Re: Car insurance- How much coverage?
Post by: Mikeoracle on May 07, 2013, 02:34:21 PM
I know this is an old topic but I wanted to revive it with a discussion about PIP.
I researched this a while ago but I am trying to lower my rates now and I am a bit confused by all these options.
In NJ is there a requirement to take any PIP and if yes what would that be?
If I have health insurance why do I need this at all, what coverage would my health insurance not give me that the PIP would be needed for?
How do you decide which option would work best (if needed at all) and what ded/max would be recommended?

I know some of the above will have different answers for different situations, but I am just tryig to get some ideas in how the choices and calculations are made.

Thanks.
Title: Re: Car insurance- How much coverage?
Post by: henche on May 07, 2013, 04:27:13 PM
mods, maybe merge my thread onto this one. looks like this one is older http://forums.dansdeals.com/index.php?topic=28094.msg477018#msg477018
Title: Re: Car insurance- How much coverage?
Post by: Mikeoracle on May 07, 2013, 04:31:24 PM
Sorry - or merge to this one-http://forums.dansdeals.com/index.php?topic=17860.0
I searched for Car insurance, shouldve searched for Auto Insurance.

Thanks
Title: Re: Car insurance- How much coverage?
Post by: YSP on May 07, 2013, 04:36:10 PM
I know this is an old topic but I wanted to revive it with a discussion about PIP.
I researched this a while ago but I am trying to lower my rates now and I am a bit confused by all these options.
In NJ is there a requirement to take any PIP and if yes what would that be?
If I have health insurance why do I need this at all, what coverage would my health insurance not give me that the PIP would be needed for?
How do you decide which option would work best (if needed at all) and what ded/max would be recommended?

I know some of the above will have different answers for different situations, but I am just tryig to get some ideas in how the choices and calculations are made.

Thanks.

You can't remove PIP altogether but you can limit that it only covers people in the other and not your car. In Jersey there is an additional coverage option where you can have the either the auto policy be primary for medical claims or secondary to your health insurance. It's cheaper if you have the auto policy be secondary.

Try both those options if you want to make it cheaper
Title: Re: Car insurance- How much coverage?
Post by: Mikeoracle on May 07, 2013, 04:37:43 PM
You can't remove PIP altogether but you can limit that it only covers people in the other and not your car. In Jersey there is an additional coverage option where you can have the either the auto policy be primary for medical claims or secondary to your health insurance. It's cheaper if you have the auto policy be secondary.

Try both those options if you want to make it cheaper
Thanks for the reponse. Is there any reason I shouldnt put the Auto insurance as secondary with the highest deductible and lowest max (i.e. cheapest option)?
Title: Re: Car insurance- How much coverage?
Post by: YSP on May 07, 2013, 04:41:56 PM
Thanks for the reponse. Is there any reason I shouldnt put the Auto insurance as secondary with the highest deductible and lowest max (i.e. cheapest option)?

Deductible only applies to damage to your vehicle.

If you limit the PIP though you run the risk of having that guests in your car will not covered in an accident.

There's other ways to lower premium before you look into limiting coverages.
Title: Re: Car insurance- How much coverage?
Post by: Mikeoracle on May 07, 2013, 04:44:05 PM
Deductible only applies to damage to your vehicle.

If you limit the PIP though you run the risk of having that guests in your car will not covered in an accident.

There's other ways to lower premium before you look into limiting coverages.
My question is specific to the PIP selection and the PIP deduction/max. Doesnt health insurance cover any medical bills? why the need for this at all?
And if the state requires it then why not choose the cheapest option, what am I missing?
Title: Re: Car insurance- How much coverage?
Post by: bubkiz on May 07, 2013, 04:45:03 PM
You can't remove PIP altogether but you can limit that it only covers people in the other and not your car. In Jersey there is an additional coverage option where you can have the either the auto policy be primary for medical claims or secondary to your health insurance. It's cheaper if you have the auto policy be secondary.

Try both those options if you want to make it cheaper
CRIIW but JerseyCare/Medicaid cannot be primary.
Title: Re: Car insurance- How much coverage?
Post by: lfas25 on May 07, 2013, 05:06:14 PM
My question is specific to the PIP selection and the PIP deduction/max. Doesnt health insurance cover any medical bills? why the need for this at all?
And if the state requires it then why not choose the cheapest option, what am I missing?

I think in NJ requires you to have pip as it's your primary in case of an accident. I know from experience I used pip and my health insurance denied me as it was from an accident.
Title: Re: Car insurance- How much coverage?
Post by: Mikeoracle on May 07, 2013, 06:48:01 PM
I think in NJ requires you to have pip as it's your primary in case of an accident. I know from experience I used pip and my health insurance denied me as it was from an accident.
your health insurance denied you because you had pip coverage? Or does health insurance just not cover injuries from car crashes?
Title: Re: Car insurance- How much coverage?
Post by: lfas25 on May 07, 2013, 07:15:55 PM
your health insurance denied you because you had pip coverage? Or does health insurance just not cover injuries from car crashes?
That's a good question, I honestly don't know.
Title: Re: How much auto liability insurance
Post by: myb821 on May 08, 2013, 11:46:36 PM
geico said that me and my wife were in their top 4% of policies whatever that means so could offer us umbrella they offered us 1 mil at 500 something for the year. We did not take it
Title: Re: How much auto liability insurance
Post by: Name Changed on May 08, 2013, 11:47:47 PM
Avg that my Insurance told me is recommended is 100/300
Title: Re: How much auto liability insurance
Post by: myb821 on May 08, 2013, 11:48:19 PM
Avg that my Insurance told me is recommended is 100/300
thats what i have as well
Title: Re: How much auto liability insurance
Post by: Name Changed on May 09, 2013, 12:13:43 AM
thats what i have as well
I have 250/500
Title: Re: How much auto liability insurance
Post by: Yordai Dooma on May 09, 2013, 12:32:21 AM
im at 300/300 and 50 for property damage.

never thought about that way and should probably increase it
Title: Re: How much auto liability insurance
Post by: Dan on May 09, 2013, 12:34:56 AM
300/300 plus homeowners and an umbrella policy all from Geico.
They're all dirt cheap, #CLE
Title: Re: How much auto liability insurance
Post by: lfas25 on May 09, 2013, 12:40:43 AM
I have 250/500 and homeowners from americhoice
If your a Costco member you get an additional discount from them as well
Title: Re: How much auto liability insurance
Post by: Dan on May 09, 2013, 12:48:05 AM
I have 250/500 and homeowners from americhoice
If your a Costco member you get an additional discount from them as well
Used to have them with the Costco discount but Geico was wayyy less for bringing everything to them.
Title: Re: How much auto liability insurance
Post by: lfas25 on May 09, 2013, 12:53:14 AM
Used to have them with the Costco discount but Geico was wayyy less for bringing everything to them.

Funny every time I check Geico they are double or triple what I pay
Title: Re: How much auto liability insurance
Post by: CountValentine on May 09, 2013, 12:53:27 AM
If you are a homeowner you should have some type of umbrella policy. For auto and home you would then get the minimum allowed to qualify for the UP.
Title: Re: How much auto liability insurance
Post by: YSP on May 09, 2013, 09:30:18 AM
300/300 plus homeowners and an umbrella policy all from Geico.
They're all dirt cheap, #CLE

Be wary. the Home policies are not through Geico. They are usually through Liberty Mutual or Homesite and they very often strip down the Coverages.
Title: Re: How much auto liability insurance
Post by: Dan on May 09, 2013, 05:50:07 PM
Be wary. the Home policies are not through Geico. They are usually through Liberty Mutual or Homesite and they very often strip down the Coverages.
Strip down which aspect?
Title: Re: How much auto liability insurance
Post by: eliteflyer on May 09, 2013, 06:05:54 PM
thats what i have as well
you have a car?
Title: Re: How much auto liability insurance
Post by: YSP on May 10, 2013, 09:28:02 AM
Strip down which aspect?

ordinance or law, water back up are the two biggest
Title: Re: How much auto liability insurance
Post by: CountValentine on May 10, 2013, 04:37:11 PM
ordinance or law, water back up are the two biggest
Do most policies include water back up?
Title: Re: How much auto liability insurance
Post by: myb821 on May 10, 2013, 04:51:39 PM
Do most policies include water back up?
depends from what a sump def not
Title: Re: How much auto liability insurance
Post by: Fan of Dan on May 10, 2013, 05:21:46 PM
I have 300K on my car insurance and now I want to get an umbrella for 1.5M. If I do that is there any reason to keep 300k on my car?
Title: Re: How much auto liability insurance
Post by: CountValentine on May 10, 2013, 05:24:25 PM
I have 300K on my car insurance and now I want to get an umbrella for 1.5M. If I do that is there any reason to keep 300k on my car?
You have to keep a certain amount on your car to qualify for the UP. It varies by issuer
Title: Re: How much auto liability insurance
Post by: YSP on May 13, 2013, 10:05:05 AM
Do most policies include water back up?

Depends if the agent included it or not. usually yes but it will be limited to 5 or 10K which isn't a whole lot
Title: Re: How much auto liability insurance
Post by: YSP on May 13, 2013, 10:05:54 AM
depends from what a sump def not

A Sump pump can be covered depending on what happened.
Title: Re: Car Insurance and points on license
Post by: Thingywingy on May 28, 2013, 03:48:32 PM
UPDATE: I called Geico today to see if they would pull my record again. The rep. said told me that Geico calculates with last 5 years even if for DMV surcharges it comes off after 3 years. Anyone know if hes correct?
BTW I was with them about 2 1/2 yrs. ago and remember them as having good C.S. but I was really ticked off at the rep for so aggresively trying to get me to sign up today. Anyone else find their service has slipped?
Anybody get good rates with USAA?
Title: Re: Car Insurance and points on license
Post by: ahecht37 on May 28, 2013, 04:28:50 PM
UPDATE: I called Geico today to see if they would pull my record again. The rep. said told me that Geico calculates with last 5 years even if for DMV surcharges it comes off after 3 years. Anyone know if hes correct?
BTW I was with them about 2 1/2 yrs. ago and remember them as having good C.S. but I was really ticked off at the rep for so aggresively trying to get me to sign up today. Anyone else find their service has slipped?
Anybody get good rates with USAA?
afaik you can only get usaa insurance if a family member served in the military
Title: Re: Car Insurance and points on license
Post by: Thingywingy on May 28, 2013, 04:37:48 PM
I know you can become member to get discount on car rentals. Is that different?
Title: Re: Car Insurance and points on license
Post by: ahecht37 on May 28, 2013, 05:13:41 PM
I know you can become member to get discount on car rentals. Is that different?
yes
Title: Re: Car Insurance and points on license
Post by: ckmk47 on May 29, 2013, 11:41:30 PM
UPDATE: I called Geico today to see if they would pull my record again. The rep. said told me that Geico calculates with last 5 years even if for DMV surcharges it comes off after 3 years. Anyone know if hes correct?
Did you ask for an updated premium quote, now that April is over?
Why ask for too many recommendations?
Call or go online and get yourself real quotes.  Then you'll know.
Title: Re: Car Insurance and points on license
Post by: YSP on May 30, 2013, 09:04:35 AM
UPDATE: I called Geico today to see if they would pull my record again. The rep. said told me that Geico calculates with last 5 years even if for DMV surcharges it comes off after 3 years. Anyone know if hes correct?

They only surcharge for 3 years but they can't give you the additional 5 year accident free discount until the 5 years so techinchally he's correct.
Title: short term car insurance
Post by: satturn on May 30, 2013, 09:59:29 AM
i am going to be in the US for the summer. I need a car, and considered buying a cheap car that i think i can resell after the summer for the same amount i bought it for. Problem is i need car insurance. Anyone if they have 2 month plans? Or a plan that i can cancel midway without a penalty? I got a geiko quote but it was for 6 months. Anyone know any agents who deal with this?
Title: Re: short term car insurance
Post by: hocker on May 30, 2013, 10:03:03 AM
i am going to be in the US for the summer. I need a car, and considered buying a cheap car that i think i can resell after the summer for the same amount i bought it for. Problem is i need car insurance. Anyone if they have 2 month plans? Or a plan that i can cancel midway without a penalty? I got a geiko quote but it was for 6 months. Anyone know any agents who deal with this?
Don't they return the $ if you cancel in the middle?
Title: Re: short term car insurance
Post by: Dan on May 30, 2013, 11:46:45 AM
Don't they return the $ if you cancel in the middle?
Yup.
Title: Re: short term car insurance
Post by: satturn on May 30, 2013, 03:35:44 PM
Yup.
cool- thanks!
Title: Re: short term car insurance
Post by: yyg on May 31, 2013, 12:50:20 AM
i am going to be in the US for the summer. I need a car, and considered buying a cheap car that i think i can resell after the summer for the same amount i bought it for. Problem is i need car insurance. Anyone if they have 2 month plans? Or a plan that i can cancel midway without a penalty? I got a geiko quote but it was for 6 months. Anyone know any agents who deal with this?
the agents aren't interested in this they make nothing on it unless you find some 1 that does it as a favor just check by geico or any online qoute for 6 months then cancel you will be refunded
Title: Re: short term car insurance
Post by: YSP on June 05, 2013, 01:49:46 PM
just check by geico or any online qoute for 6 months then cancel you will be refunded
+1
Title: Re: NJ Auto Insurance
Post by: Avid Reader on July 19, 2013, 02:39:42 PM
I tried AAA. I have Amica. I also tried Plymth Rock, Century 21, Progressive, All-State, and Geico. Prime is a broker and their offer was with Met-Life.


Are you happy with Amica? I'm considering switching to them. Their quote is saving me nearly $800 per year.
Title: Re: Car insurance- How much coverage?
Post by: Ergel on July 19, 2013, 04:39:24 PM
Just looked back at this thread now that I am getting new insurance.
For all those bring about NY rates in yyz car insurance is 3k+/year (although home owners insurance I believe is much cheaper
Title: Re: Car insurance- How much coverage?
Post by: Dan on July 19, 2013, 04:49:47 PM
Just looked back at this thread now that I am getting new insurance.
For all those bring about NY rates in yyz car insurance is 3k+/year (although home owners insurance I believe is much cheaper
Wow.
My 300/300 car insurance is $400/year and my home is $600/year.
Title: Re: NJ Auto Insurance
Post by: lfas25 on July 19, 2013, 06:23:52 PM

Are you happy with Amica? I'm considering switching to them. Their quote is saving me nearly $800 per year.

I switched about 6 months ago to Ameriprise - if your a costco member you get an additional discount - my rate dropped by about $800. My brother in law in Queens save about 2k by switching to them
Title: Re: Car insurance- How much coverage?
Post by: Ergel on July 19, 2013, 06:30:09 PM
Wow.
My 300/300 car insurance is $400/year and my home is $600/year.
I guess my homeowners is cheap compared to my friend in fl :(
Title: Re: NJ Auto Insurance
Post by: nutcase on July 21, 2013, 01:37:39 PM
I switched about 6 months ago to Ameriprise - if your a costco member you get an additional discount - my rate dropped by about $800. My brother in law in Queens save about 2k by switching to them
I hear ameriprise is very tuff to deal with when making a claim..
Title: Re: Car insurance- How much coverage?
Post by: YSP on July 22, 2013, 01:05:59 PM
Just looked back at this thread now that I am getting new insurance.
For all those bring about NY rates in yyz car insurance is 3k+/year (although home owners insurance I believe is much cheaper
What's yyz?
Title: Re: Car insurance- How much coverage?
Post by: skyguy918 on July 22, 2013, 02:54:30 PM
Wow.
My 300/300 car insurance is $400/year and my home is $600/year.

$400/year or $400/6 months? Do you have collision and comprehensive?
Title: Re: Car insurance- How much coverage?
Post by: Dan on July 22, 2013, 04:53:16 PM
$400/year or $400/6 months? Do you have collision and comprehensive?
Year.
300k/300k liability and $1,000 deductible for collision and comprehensive.
Title: Re: Car insurance- How much coverage?
Post by: Kvending on July 22, 2013, 10:23:04 PM
Year.
300k/300k liability and $1,000 deductible for collision and comprehensive.

How did you get soo cheap??

Title: Re: Car insurance- How much coverage?
Post by: Dan on July 22, 2013, 11:30:52 PM
How did you get soo cheap??
1. Geico.com.
2. Living in a safe area.
3. Having a clean record.
Title: Re: Car insurance- How much coverage?
Post by: CountValentine on July 23, 2013, 12:28:47 AM
1. Geico.com.
2. Living in a safe area.
3. Having a clean record.
Type of car, year and how many drivers?
Title: Re: Car insurance- How much coverage?
Post by: Dan on July 23, 2013, 12:34:52 AM
2011 Altima SL.
2.
I though the premium would actually go down when my better half turned 25 but alas it went unchanged.
Title: Re: Car insurance- How much coverage?
Post by: YSP on July 23, 2013, 09:59:30 AM
1. Geico.com.
2. Living in a safe area.
3. Having a clean record.

4. Ohio rates are much lower than most places.
5. Credit plays a big role in insurance rates.
Title: Re: Car insurance- How much coverage?
Post by: nis965 on August 22, 2013, 01:32:05 PM
Wow.
My 300/300 car insurance is $400/year and my home is $600/year.
Is your homeowner's policy through Geico as well?
Title: Re: Car insurance- How much coverage?
Post by: Dan on August 22, 2013, 07:19:29 PM
Is your homeowner's policy through Geico as well?
Sort of (it's Geico via a 3rd party) but I had the auto first and switching to Geico home didn't make my auto insurance any cheaper.
Title: Re: Auto Insurance
Post by: Dan on September 01, 2013, 02:29:28 AM
2011 Altima: $153.01
2014 Odyssey: $141.09
Body injury liability, uninsured/underinsured motorist: 300K/300K
Property damage liability: $100K
1K deductible on Comprehensive and Collision.
Total 6 month premium for both car with 2 drivers: $294.10

(http://insideevs.com/wp-content/uploads/2013/06/geico-gecko.jpg)
Title: Re: Auto Insurance
Post by: Bostener on September 01, 2013, 02:47:30 AM
2011 Altima: $153.01
2014 Odyssey: $141.09
Body injury liability, uninsured/underinsured motorist: 300K/300K
Property damage liability: $100K
1K deductible on Comprehensive and Collision.
Total 6 month premium for both car with 2 drivers: $294.10

(http://insideevs.com/wp-content/uploads/2013/06/geico-gecko.jpg)

In NYC you would probably pay $294 per month. And that is before tickets.
Title: Re: Auto Insurance
Post by: george on September 01, 2013, 03:04:28 AM
2011 Altima: $153.01
2014 Odyssey: $141.09
Body injury liability, uninsured/underinsured motorist: 300K/300K
Property damage liability: $100K
1K deductible on Comprehensive and Collision.
Total 6 month premium for both car with 2 drivers: $294.10
One word: Wow.
Title: Re: Auto Insurance
Post by: Dan on September 01, 2013, 10:51:20 AM
In NYC you would probably pay $294 per month. And that is before tickets.
:D
Title: Re: Auto Insurance
Post by: hocker on September 01, 2013, 02:45:00 PM

2014 Odyssey: $141.09

Ti'schadesh!
Title: Re: Auto Insurance
Post by: az on September 01, 2013, 04:44:20 PM
Try USAA, me and my bro just got amayzing quotes
Title: Re: Auto Insurance
Post by: judahk88 on September 01, 2013, 05:41:15 PM
Try USAA, me and my bro just got amayzing quotes
Not sure it can get better then that.
Title: Re: Auto Insurance
Post by: hocker on September 01, 2013, 07:56:53 PM
Try USAA, me and my bro just got amayzing quotes
AFAIK You have to be military or immediate family to benefit from their auto insurance rates. In case of an accident you might not be covered.
Title: Auto Ins for New Driver
Post by: Sowhat on September 15, 2013, 08:42:03 PM
I switched insurance recently, as my daughter got her license.  This "cheap" carrier wants $3700 for a new driver.  Is that going rate in NY?
Title: Re: Auto Ins for New Driver
Post by: DovtheBear on September 15, 2013, 08:46:11 PM
I switched insurance recently, as my daughter got her license.  This "cheap" carrier wants $3700 for a new driver.  Is that going rate in NY?
Its YMMV, but as an example I know someone paying a little over $2000 (Geico).
Title: Re: Auto Ins for New Driver
Post by: Dan on September 15, 2013, 09:09:31 PM
Unreal.
Title: Re: Auto Ins for New Driver
Post by: 12HRS on September 15, 2013, 09:15:12 PM
Is she going to be a primary driver?
Title: Re: Auto Ins for New Driver
Post by: Sowhat on September 15, 2013, 10:07:41 PM
Let me clarify.  I added two drivers, age 18 and 17.  Got quote for like $4500.  At same time 18 y/o went to EY, so they took some $800 off.  Not sure what to do other than drop comprehensive on 2005 altima.
Title: Re: Auto Ins for New Driver
Post by: DovtheBear on September 15, 2013, 11:21:42 PM
Let me clarify.  I added two drivers, age 18 and 17.  Got quote for like $4500.  At same time 18 y/o went to EY, so they took some $800 off.  Not sure what to do other than drop comprehensive on 2005 altima.
I'm referring to an 18 y/o as well. Then the next child (17) also wanted to get a license and they quoted $0 additional.
Title: Re: Car insurance- How much coverage?
Post by: Rivky on October 14, 2013, 01:49:47 PM
Does anyone have any experience with taking a legit online defensive driving course. I googled it and so many came up for $25.  Anyone have any good / bad experiences with this. I want the 10% off my insurance. Tia
Title: Re: Car insurance- How much coverage?
Post by: AnonymousUser on October 14, 2013, 02:14:44 PM
Does anyone have any experience with taking a legit online defensive driving course. I googled it and so many came up for $25.  Anyone have any good / bad experiences with this. I want the 10% off my insurance. Tia
I took the one mentioned here (http://forums.dansdeals.com/index.php?topic=25124.0), and I got a certificate, but as I posted there, in NJ you only get ca discount if the primary driver takes the course.
Title: Re: Car insurance- How much coverage?
Post by: YSP on October 14, 2013, 03:19:21 PM
Does anyone have any experience with taking a legit online defensive driving course. I googled it and so many came up for $25.  Anyone have any good / bad experiences with this. I want the 10% off my insurance. Tia

The ones online are usually legit. $25 makes sense. The ones you see advertised in papers though you sometimes have to be wary of. I know of one peron who was giving fake courses and the insurance company wouldn't recognize the cert because he wasn't certified by the DMV and all the people had to retake the course.
Title: Re: Car insurance- How much coverage?
Post by: Rivky on October 14, 2013, 03:42:09 PM

I took the one mentioned here (http://forums.dansdeals.com/index.php?topic=25124.0), and I got a certificate, but as I posted there, in NJ you only get ca discount if the primary driver takes the course.

Ok thanks. I'm in ny. How long did it take you.
Title: Re: Car insurance- How much coverage?
Post by: YSP on October 14, 2013, 03:51:22 PM
Ok thanks. I'm in ny. How long did it take you.

It's a 6 hour course
Title: Auto insurance
Post by: katherine123 on October 28, 2013, 01:51:04 PM
Is Geico really the cheapest option? I can't combine with home insurance because I don't own a home. I have a perfect record (bli ayin hara!). Are there any cheaper insurance companies?
Title: Re: Auto insurance
Post by: ayman on October 28, 2013, 01:52:56 PM
U can combine w renters insurance.
Prob depends where you live among other factors.
Title: Re: Auto insurance
Post by: sguitarist18 on October 28, 2013, 01:59:40 PM
Price it out - every company uses a different combination of factors, so you probably won't find one company that's cheapest across the board.
Title: Re: Car Insurance Master Thread
Post by: sammy n on October 28, 2013, 03:20:56 PM
I'm my case geico was the cheapest but then they got back the report from the dmv that I have 2 seatbelt tickets and they doubled my policy. But it's still the cheapest for me although other insurance company's don't care about seatbelt tickets...
Title: Re: Car Insurance Master Thread
Post by: ckmk47 on October 29, 2013, 12:02:54 AM
Pay some attention to the quality of the company.   Some are soo bad (progressive) that they almost never pay out. 
Title: Re: Car Insurance Master Thread
Post by: Marco Polo on October 29, 2013, 09:30:07 AM
Pay some attention to the quality of the company.   Some are soo bad (progressive) that they almost never pay out.
Just had an accident and Geico was really on top of it. From Thursday night - Monday, they had already looked at my car and gave me a payout number. Very happy with them.
Title: Re: Auto insurance
Post by: YSP on October 30, 2013, 03:29:51 PM
U can combine w renters insurance.
Prob depends where you live among other factors.

Not all companies will do renters insurance in a lot of NY because of the coastal exposure.
Title: Re: Auto Ins for New Driver
Post by: Sowhat on October 30, 2013, 03:45:48 PM
I'm referring to an 18 y/o as well. Then the next child (17) also wanted to get a license and they quoted $0 additional.

I had better luck with Geico
Title: Re: Car Insurance Master Thread
Post by: sky121 on October 30, 2013, 11:04:24 PM
Does anyone know how insurance works for a salvage title?
 
Any issues to be aware of beforehand?

 My friend is considering buying a salvage car and is trying to figure out if insurance is an issue.
Title: Re: Car Insurance Master Thread
Post by: YSP on October 31, 2013, 10:06:30 AM
Does anyone know how insurance works for a salvage title?
 
Any issues to be aware of beforehand?

 My friend is considering buying a salvage car and is trying to figure out if insurance is an issue.

yes, Most insurance companies will not insure the vehicle. It's not a question of rate. it's a question of eligibility.
Title: Re: Car Insurance Master Thread
Post by: KidOOO on November 06, 2013, 10:16:09 PM
Iv'e had good experience with State Farm. when i was 23 and leased a car lowest any company would quote me was $400 a month (i had a not at fault accident and 1 no turn ticket both over 2 years old)

State farm agent managed to get me down to $300 a month. here's for hoping i can get it down sometime soon
Title: Re: Car Insurance Master Thread
Post by: YSP on November 07, 2013, 11:29:16 AM
State farm agent managed to get me down to $300 a month. here's for hoping i can get it down sometime soon
Still sounds high. Hope you do get a lower rate
Title: Re: Car Insurance Master Thread
Post by: Dan on November 07, 2013, 11:30:55 AM
State farm agent managed to get me down to $300 a month. here's for hoping i can get it down sometime soon
Man that's expensive.
I've got 2 drivers and 2 cars and pay less than $300 for 6 months of comprehensive coverage with $300K of coverage.
Title: Re: Car Insurance Master Thread
Post by: YSP on November 07, 2013, 11:43:52 AM
Man that's expensive.
I've got 2 drivers and 2 cars and pay less than $300 for 6 months of comprehensive coverage with $300K of coverage.

We've gone down this road countless times Dan. Of course you're gonna pay less in Ohio than in NY. Plus you're married. We KNOW you've got good credit. You're a Homeowner. These are all major factors in rating. KidOOO may not have any of those.

I just find it amusing when people are grateful that they're ONLY paying $300 a month
Title: Re: Car Insurance Master Thread
Post by: moko on November 07, 2013, 01:57:03 PM
We've gone down this road countless times Dan. Of course you're gonna pay less in Ohio than in NY. Plus you're married. We KNOW you've got good credit. You're a Homeowner. These are all major factors in rating. KidOOO may not have any of those.

I just find it amusing when people are grateful that they're ONLY paying $300 a month
i live in brooklyn and i dont know anyone pating $300 a month.
Title: Re: Car Insurance Master Thread
Post by: skyguy918 on November 07, 2013, 02:20:01 PM
i live in brooklyn and i dont know anyone pating $300 a month.
The address where the vehicle is listed as being parked is a significant factor in determining premium, but it is far from the only one.
Title: Re: Car Insurance Master Thread
Post by: KidOOO on November 07, 2013, 02:26:54 PM
We've gone down this road countless times Dan. Of course you're gonna pay less in Ohio than in NY. Plus you're married. We KNOW you've got good credit. You're a Homeowner. These are all major factors in rating. KidOOO may not have any of those.

I just find it amusing when people are grateful that they're ONLY paying $300 a month

i am grateful for this price in relation to what I can get, not what others can get.

I am married with good credit, however i live in Brooklyn, plus minor accident and ticket in past 3-4 years, top that with young age and higher value car, you get $300.

Don't get me wrong, i know i'm paying a lot, but still cannot find anywhere else for cheaper
Title: Re: Car Insurance Master Thread
Post by: good sam on November 07, 2013, 03:59:24 PM
Been mentioned on the thread before but I'd encourage all to get a quote from Liberty Mutual.  In my case, they came in significantly less than Geico and Allstate.  Also got additional discount for being a Fordham alum.
Title: Re: Car Insurance Master Thread
Post by: YSP on November 07, 2013, 04:03:48 PM
Personally, I found Nationwide to be the cheapest...
Title: Re: Car Insurance Master Thread
Post by: yuneeq on November 07, 2013, 08:23:55 PM
...And I personally found metlife the cheapest. Obviously everyone is different and it always pays to look around for a deal. It took me some time and many phone calls but I found a plan that's saving me over 400 a year.

I want to know: is having a kid/kids a reason for the insurance rate to go down?

I've always heard it lowers your insurance but my broker told me it's a myth. I'd like to hear from others as well.
Title: Re: Car Insurance Master Thread
Post by: Ergel on November 07, 2013, 09:42:26 PM
Paying $460/month for two cars. Accident a year ago
Title: Re: Car Insurance Master Thread
Post by: Dan on November 07, 2013, 09:59:19 PM
Paying $460/month for two cars. Accident a year ago
Oy.  Hope I never get in one.
Title: Re: Car Insurance Master Thread
Post by: ayman on November 07, 2013, 10:03:30 PM
1 car 2 drivers both under 25 in NYC for under $215 a mo w geico. I couldn't find anything else close. Leased car so have to have the better coverage.
Title: Re: Car Insurance Master Thread
Post by: Ergel on November 07, 2013, 10:25:13 PM
Oy.  Hope I never get in one.
IY"H. Although, truth is for YYZ it's not that high. I was paying like $230/month in NY
Title: Re: Car Insurance Master Thread
Post by: MnM1130 on November 07, 2013, 10:28:33 PM
If anyone would want to try and get a cheaper quote- u can contact my husband. He works in insurance and he tries to beat quotes. cant promise anything.. but i can keep him busy for a few days :)
Title: Re: Car Insurance Master Thread
Post by: YSP on November 08, 2013, 10:09:50 AM
...And I personally found metlife the cheapest. Obviously everyone is different and it always pays to look around for a deal. It took me some time and many phone calls but I found a plan that's saving me over 400 a year.

I want to know: is having a kid/kids a reason for the insurance rate to go down?

I've always heard it lowers your insurance but my broker told me it's a myth. I'd like to hear from others as well.

It's not a myth. Frist off, not every company offers that as a discount. Secondly, the ones that do only offer on single AND youthful drivers under 21. So unless the person fits that criteria then it's not something that makes a difference.
Title: Re: Car Insurance Master Thread
Post by: bades on November 08, 2013, 10:11:26 AM
If you want a quote for cheaper insurance pm me
Title: Re: Car Insurance Master Thread
Post by: fc on November 08, 2013, 10:25:30 AM
im 25yrs old and my wife is 23yrs, we both have license +3yrs.
i live in brooklyn and im leasing a honda accord , i pay $300 / month with Allstate for 2 drivers, i have great credit, no accidents on my record and so far no points,  for some reason when i tried with Geico, state farm (=> although i dont recommend them, they are much cheaper but they are known for giving very difficult times by payout when u file a claim ) no one can give better then 300/month.
Title: Re: Car Insurance Master Thread
Post by: yuneeq on November 08, 2013, 10:27:23 AM
Thanks YSP for that answer.
Title: Re: Car Insurance Master Thread
Post by: ayman on November 10, 2013, 11:44:06 PM
im 25yrs old and my wife is 23yrs, we both have license +3yrs.
i live in brooklyn and im leasing a honda accord , i pay $300 / month with Allstate for 2 drivers, i have great credit, no accidents on my record and so far no points,  for some reason when i tried with Geico, state farm (=> although i dont recommend them, they are much cheaper but they are known for giving very difficult times by payout when u file a claim ) no one can give better then 300/month.
Have Geico, No accidents, good student, good credit, new car, two drivers under 25, for under $220 a month. Had to file a claim and had no issue at all getting a check from them.
Title: Re: Car Insurance Master Thread
Post by: fc on November 11, 2013, 08:52:19 AM
Have Geico, No accidents, good student, good credit, new car, two drivers under 25, for under $220 a month. Had to file a claim and had no issue at all getting a check from them.

I meant to say that STATE FARM gives a difficult time when filing a claim,geico should be okay
Title: Re: Car Insurance Master Thread
Post by: YSP on November 11, 2013, 12:49:25 PM
I meant to say that STATE FARM gives a difficult time when filing a claim,geico should be okay

Hard to say that any one company has notoriously bad claims service.
Look at the facts. State Farm insures one out of every five cars on the road.
Title: Re: Car Insurance Master Thread
Post by: fc on November 11, 2013, 03:55:14 PM
Hard to say that any one company has notoriously bad claims service.
Look at the facts. State Farm insures one out of every five cars on the road.
Having more costumers doesnt make them a better company, its if they pay out easy what makes an insurance company better.

http://www.justice.org/cps/rde/xbcr/justice/AAJ_Report_TenWorstInsuranceCompanies_FINAL.pdf

 scroll down to page 10
Title: Re: Car Insurance Master Thread
Post by: skyguy918 on November 11, 2013, 04:01:56 PM
Having more costumers doesnt make them a better company, its if they pay out easy what makes an insurance company better.

http://www.justice.org/cps/rde/xbcr/justice/AAJ_Report_TenWorstInsuranceCompanies_FINAL.pdf

 scroll down to page 10
FYI, the entire section on State Farm is about property policies, not auto policies.
Title: Re: Car Insurance Master Thread
Post by: teeboi123 on November 18, 2013, 11:52:34 AM
Can someone tell me how long after an accident can someone file a claim? I have NationWide and someone vandalized my car few years ago. No one was injured in fact my car was parked and someone vandalized it. Can i still claim this without a police report?  Please advise
Title: Re: Car Insurance Master Thread
Post by: Ergel on November 18, 2013, 12:30:21 PM
???
Title: Re: Car Insurance Master Thread
Post by: YSP on November 21, 2013, 11:24:03 AM
Can someone tell me how long after an accident can someone file a claim? I have NationWide and someone vandalized my car few years ago. No one was injured in fact my car was parked and someone vandalized it. Can i still claim this without a police report?  Please advise

You can make a claim for up to 24 months after the incident. In NY for med pay you need to submit within 30 days but as far as damage to the car you get 24 months
Title: Re: Car Insurance Master Thread
Post by: YSP on December 04, 2013, 08:48:27 PM
I was in an accident recently, the other guy only had damage to his tire and hubcap so he was happy to take $500 and leave. My car has about $850 worth of damage, is it worth it for me to go thru geico or pay out of pocket? I tried asking geico how much my policy would go up - huge mistake - they filed a claim for me, but without any details cuz I didn't give them much!So 2 questions - should I file a claim -I have a $500 deductible. And whats going to be with the claim they started?!?Thanks!
It's not worth making a claim in this case. The increase to your premium would negate any benefit of them paying your claim. Better to pay out of pocket.

Your claim file you opened won't affect anything if they don't pay anything out. when the adjuster contact you just tell him you decided to pay out of pocket and he will close the file
Title: Re: Car Insurance Master Thread
Post by: smee123 on January 09, 2014, 06:26:12 PM
NY resident here, do i have to tell geico about a speeding ticket in NJ from 4 yrs ago when getting a quote ?
And how about getting rear ended? Is that considered an accident (that they would care)?
TIA
Title: Re: Car Insurance Master Thread
Post by: YSP on January 09, 2014, 07:01:18 PM
NY resident here, do i have to tell geico about a speeding ticket in NJ from 4 yrs ago when getting a quote ?
And how about getting rear ended? Is that considered an accident (that they would care)?
TIA
From four years ago? No. The accident also won't count against you.
Title: Re: Car Insurance Master Thread
Post by: smee123 on January 09, 2014, 09:15:22 PM
From four years ago? No. The accident also won't count against you.
Thanks  :)
Title: Re: Car Insurance Master Thread
Post by: ckmk47 on January 09, 2014, 11:41:07 PM
IME, You don't have to tell them anything bad.  If they findit in your record, it will count against you.  If not, you're home free.
At various times car insurance found a red light ticket I had forgotten about, children grown enough to get driving licenses (even when they didn't yet have a permit), and a fender bender paid out more than a year later (that I didn't know was settled).
Title: Re: Car Insurance Master Thread
Post by: popcorn1508 on January 10, 2014, 01:23:14 AM
IME, You don't have to tell them anything bad.  If they findit in your record, it will count against you.  If not, you're home free.
At various times car insurance found a red light ticket I had forgotten about, children grown enough to get driving licenses (even when they didn't yet have a permit), and a fender bender paid out more than a year later (that I didn't know was settled).
is there a way to check if I have an accident on my record, and how long does it effect me (the other parties insurance paid 75%)
Title: Re: Car Insurance Master Thread
Post by: Twin on January 10, 2014, 04:41:51 AM
Where is it better to register a car in MI or NJ?
Title: Re: Car Insurance Master Thread
Post by: YSP on January 10, 2014, 06:42:50 AM
is there a way to check if I have an accident on my record, and how long does it effect me (the other parties insurance paid 75%)

I could check for you. Pm me.
Title: Re: Car Insurance Master Thread
Post by: ckmk47 on January 10, 2014, 09:21:59 AM
Where is it better to register a car in MI or NJ?
Get 2 insurance quotes. One based in each state and find out.
Title: Re: Car Insurance Master Thread
Post by: YSP on January 10, 2014, 10:18:00 AM
Get 2 insurance quotes. One based in each state and find out.

officially you must register the car in the state where you reside. If the insurance company smells funny business they do have grounds to deny a claim. Your call though
Title: Re: Car Insurance Master Thread
Post by: ckmk47 on January 10, 2014, 10:22:13 AM
If you have 2 residences you can legitimately be deciding where to base this car.  If not, you can be thinking of moving and this is one factor in your decision. 
Title: Re: Car Insurance Master Thread
Post by: YSP on January 10, 2014, 10:28:07 AM
If you have 2 residences you can legitimately be deciding where to base this car.  If not, you can be thinking of moving and this is one factor in your decision.


Goes by where you spend the majority of the year
Title: Re: Car Insurance Master Thread
Post by: smee123 on January 10, 2014, 11:01:07 AM
Ok, another Q,

Can i cancel my allstate prepaid plan in the middle and get a refund?

I dont want to ask my Allstate guy cuz i need him to like me for now  ::)
Title: Re: Car Insurance Master Thread
Post by: YSP on January 10, 2014, 11:21:07 AM
Ok, another Q,

Can i cancel my allstate prepaid plan in the middle and get a refund?

I dont want to ask my Allstate guy cuz i need him to like me for now  ::)

of course. They'll pro rate you a refund.
Title: Re: Car Insurance Master Thread
Post by: Sowhat on January 10, 2014, 11:29:48 AM
NY resident here, do i have to tell geico about a speeding ticket in NJ from 4 yrs ago when getting a quote ?
And how about getting rear ended? Is that considered an accident (that they would care)?
TIA

They don't need you.  They look it up and adjust your premium accordingly.
Title: Re: Car Insurance Master Thread
Post by: Sowhat on January 10, 2014, 11:31:21 AM
IME, You don't have to tell them anything bad.  If they findit in your record, it will count against you.  If not, you're home free.
At various times car insurance found a red light ticket I had forgotten about, children grown enough to get driving licenses (even when they didn't yet have a permit), and a fender bender paid out more than a year later (that I didn't know was settled).

I once got a quote from Geico, who counted a bump in the rear with no payout as an accident against me.  They call it a non-pay accident. 
Title: Re: Car Insurance Master Thread
Post by: smee123 on January 10, 2014, 12:18:51 PM
of course. They'll pro rate you a refund.
Thanks!
Are you a broker?
Title: Re: Car Insurance Master Thread
Post by: KidOOO on January 13, 2014, 04:01:55 PM
NY resident here, do i have to tell geico about a speeding ticket in NJ from 4 yrs ago when getting a quote ?
And how about getting rear ended? Is that considered an accident (that they would care)?
TIA

IME tickets from NJ do not ever show up on your NY record
Title: Re: Car Insurance Master Thread
Post by: smee123 on January 13, 2014, 04:29:01 PM
IME tickets from NJ do not ever show up on your NY record
Thanks iv'e heard that about points, not insurance
Title: Re: Car Insurance Master Thread
Post by: ariIs on February 27, 2014, 02:06:39 PM
Anyone had success recently of having insurance companies lower their rates?
I tried filling out a dummy application online with the same carrier that I have (geico), and it comes out to about $400/year lower than what they're charging me now.
Other co's all quoted higher than what I'm paying now, so I don't really want to switch to a different carrier, just get them to lower my rates .
Title: Re: Car Insurance Master Thread
Post by: ckmk47 on February 27, 2014, 03:03:43 PM
Anyone had success recently of having insurance companies lower their rates?
I tried filling out a dummy application online with the same carrier that I have (geico), and it comes out to about $400/year lower than what they're charging me now.
Other co's all quoted higher than what I'm paying now, so I don't really want to switch to a different carrier, just get them to lower my rates .
Did the dummy application have notice of all your claims, tickets and drivers?
Call geico and ask them to lower it.  they may.
Keep us informed.
good luck.
Title: Re: Car Insurance Master Thread
Post by: ariIs on February 27, 2014, 03:42:42 PM
Did the dummy application have notice of all your claims, tickets and drivers?
Call geico and ask them to lower it.  they may.
Keep us informed.
good luck.

The geico app had all the drivers, etc. with slightly different names/addresses :)
I'll probably be giving them a call tomorrow, will update this with what happens.
Title: Re: Car Insurance Master Thread
Post by: YSP on February 27, 2014, 03:45:29 PM
http://ifawebnews.com/2010/10/26/geico-accused-of-%e2%80%98deceptively-selling%e2%80%99-auto-insurance-policies/?sms_ss=email&at_xt=4cd18881e292767f,0

Not all insurance policies are created equal!
Title: Re: Car Insurance Master Thread
Post by: ariIs on February 28, 2014, 09:47:14 AM
http://ifawebnews.com/2010/10/26/geico-accused-of-%e2%80%98deceptively-selling%e2%80%99-auto-insurance-policies/?sms_ss=email&at_xt=4cd18881e292767f,0

Not all insurance policies are created equal!

Are you trying to point out problems with geico or that specific insurance policy?

All insurance companies will have problems. The problems in the article are pretty benign - someone didn't realize what coverage she had, and is now trying to sue the insurance company for not having her sign enough papers.
If anything, geico is much more clear about the various coverages and how much they cost on their website than many other insurances.
Thankfully I have not had to file a claim with them, but my dad had to twice, and never had any problems with them paying - which is what really matters.

All policies are different of course, which is why I priced out the exact same coverage limits as I currently have for an apples-to-apples comparison.
Title: Re: Car Insurance Master Thread
Post by: ariIs on March 04, 2014, 08:36:54 PM
An update on this:

I called Geico, as said I got a better quote elsewhere. Even after a long conversation they did not want to lower the rate.

Went back to website, and without logging in to my acct, got a new quote with all my info (but did not give them ssn). Got the same lower quote as before. Called them back and told them that their website gave me a lower quote. After verifying that all the coverage limits are the same as my current policy, they lowered my premium to the new quote!

Spent about 30 min on phone, saved 400/year!
Title: Re: Car Insurance Master Thread
Post by: ckmk47 on March 04, 2014, 09:22:42 PM
An update on this:

I called Geico, as said I got a better quote elsewhere. Even after a long conversation they did not want to lower the rate.

Went back to website, and without logging in to my acct, got a new quote with all my info (but did not give them ssn). Got the same lower quote as before. Called them back and told them that their website gave me a lower quote. After verifying that all the coverage limits are the same as my current policy, they lowered my premium to the new quote!

Spent about 30 min on phone, saved 400/year!
:D
Title: Re: Car Insurance Master Thread
Post by: springles on March 26, 2014, 04:06:33 PM
Does shopping around for quotes from several companies give you several hard pulls? Do they do a hard pull for a quote?
Title: Re: Car Insurance Master Thread
Post by: YSP on March 26, 2014, 04:07:47 PM
Does shopping around for quotes from several companies give you several hard pulls? Do they do a hard pull for a quote?

No, Each one is a soft hit and doesn't affect your credit
Title: Re: Car Insurance Master Thread
Post by: schneury on May 09, 2014, 08:50:17 AM
A few months ago someone borrowed my car and got in an accident, insurance (geico) paid out already but now they are asking for the police report, is there any reason why I should or should not give it to them? Could this make a difference in how it could affect my premiums?
Title: Re: Car Insurance Master Thread
Post by: YSP on May 09, 2014, 08:55:09 AM
A few months ago someone borrowed my car and got in an accident, insurance (geico) paid out already but now they are asking for the police report, is there any reason why I should or should not give it to them? Could this make a difference in how it could affect my premiums?

It most likely will affect your premiums.

HOWEVER, if you shop for a new quote you won't be surcharged for it.

PM me and I can explain exactly how it works
Title: Re: Car Insurance Master Thread
Post by: rivkao on May 09, 2014, 09:11:53 AM
I got a quote from Geico for about half of what I'm paying now. ($700 lwss for half a year!) I checked all benefits and looks like same. Does it make sense? Should I purchase it?
Title: Re: Car Insurance Master Thread
Post by: YSP on May 09, 2014, 09:14:47 AM
I got a quote from Geico for about half of what I'm paying now. ($700 lwss for half a year!) I checked all benefits and looks like same. Does it make sense? Should I purchase it?
They do have a reputation.

http://ifawebnews.com/2010/10/26/geico-accused-of-%E2%80%98deceptively-selling%E2%80%99-auto-insurance-policies/
Title: Re: Car Insurance Master Thread
Post by: rivkao on May 09, 2014, 09:17:25 AM
They do have a reputation.

http://ifawebnews.com/2010/10/26/geico-accused-of-%E2%80%98deceptively-selling%E2%80%99-auto-insurance-policies/
according to the info they provided me it seems that everything I have up till now through a different carrier is the same. Secondly, other quotes they provided me with same benefits were double. What does it mean?
Title: Re: Car Insurance Master Thread
Post by: sillypainter on May 09, 2014, 09:38:53 AM
I got a quote from Geico for about half of what I'm paying now. ($700 lwss for half a year!) I checked all benefits and looks like same. Does it make sense? Should I purchase it?

I had the same thing, was amazed. I now pay $400 for 6 months.
Title: Re: Car Insurance Master Thread
Post by: rivkao on May 09, 2014, 09:44:58 AM
I had the same thing, was amazed. I now pay $400 for 6 months.
and your happy with it?
Title: Re: Car Insurance Master Thread
Post by: Dan on May 09, 2014, 09:56:27 AM
Never made a claim with geico, but boy were they cheap compared to everyone else. I pay $300 per 6 months for 2 cars.
Title: Re: Car Insurance Master Thread
Post by: rivkao on May 09, 2014, 10:01:37 AM
 
Never made a claim with geico, but boy were they cheap compared to everyone else. I pay $300 per 6 months for 2 cars.
Wow! That's cheap! I pay over four times as much for one car! That's how it is when you live in NYC!
Title: Re: Car Insurance Master Thread
Post by: YSP on May 09, 2014, 10:04:17 AM
Wow! That's cheap! I pay over four times as much for one car! That's how it is when you live in NYC!

Those are the rates in OH. The main difference is location but also NY requires much higher coverage on medical payments and lost wages than in OH
Title: Re: Car Insurance Master Thread
Post by: DK23 on May 09, 2014, 01:18:27 PM
Those are the rates in OH. The main difference is location but also NY requires much higher coverage on medical payments and lost wages than in OH

Driving in the city is much more expensive than the suburbs in NY.  Then on top of that anywhere out of the tri state area is going to be more affordable.
Title: Re: Car Insurance Master Thread
Post by: Shmelly on May 22, 2014, 12:08:16 PM
Got a bit of a sticky situation on my hands and would appreciate any (practical, not ethical) advice.

I'm an Ohio resident according to my license, so for the past 8+ years I've kept my cars registered in OH at the address on my license, which is my parents' legitimate residence.  This has allowed me to pay OH insurance despite living in NY, saving some 50 grand in the process. Unfortunately, my wife was in an accident in December, and after paying out for the claim Nationwide sent me a termination notice stating that they have now determined that I garage the car in NY. This leaves me with a few questions:

1. Anyone ever hear of an insurance company coming after a customer retroactively for claims already paid?
2. Similarly, do they have any grounds for coming after me now to pay said 50 grand that I had saved?
3. Can I simply switch to a different insurance company in OH, or is there some sort of official record now showing every insurance company where I live?

Thanks.
Title: Re: Car Insurance Master Thread
Post by: AJK on May 26, 2014, 12:42:40 PM
Sorry to be the bearer of bad news, but what you've done is essentially insurance fraud.

I've posted this before:

Guy from Brooklyn I know owned a Ferrari. Lives the summers in Deal. Registered car in NJ to save on insurance. Guy totals said $300,000 Ferrari. Guy makes claim on Insurance.

Insurance investigates. Insurance offers guy two options:

1) We'll pay you the $300,000 and report you for insurance fraud, risking a decade or so in Rikers; or
2) Eat the loss.

He ate it.

At this point, you'd be foolish to keep paying OH insurance, if you even can. <-- That's practical advice.
Title: Re: Car Insurance Master Thread
Post by: YSP on May 26, 2014, 12:46:46 PM
Sorry to be the bearer of bad news, but what you've done is essentially insurance fraud.

+1
Title: Re: Car Insurance Master Thread
Post by: aaa on May 26, 2014, 01:34:35 PM
Got a bit of a sticky situation on my hands and would appreciate any (practical, not ethical) advice.

I'm an Ohio resident according to my license, so for the past 8+ years I've kept my cars registered in OH at the address on my license, which is my parents' legitimate residence.  This has allowed me to pay OH insurance despite living in NY, saving some 50 grand in the process. Unfortunately, my wife was in an accident in December, and after paying out for the claim Nationwide sent me a termination notice stating that they have now determined that I garage the car in NY. This leaves me with a few questions:

1. Anyone ever hear of an insurance company coming after a customer retroactively for claims already paid?
2. Similarly, do they have any grounds for coming after me now to pay said 50 grand that I had saved?
3. Can I simply switch to a different insurance company in OH, or is there some sort of official record now showing every insurance company where I live?

Thanks.

How did they determine that you keep it in NY?
Title: Re: Car Insurance Master Thread
Post by: rivkao on May 26, 2014, 02:48:24 PM
I got a quote from Geico for about half of what I'm paying now. ($700 lwss for half a year!) I checked all benefits and looks like same. Does it make sense? Should I purchase it?
Had a weird story. Wanted to purchase the cheap offer that they gave me. After I gave payment info they said that offer nearly tripled!! I declined it, and tried again for a different offer ( about same like first) This time it went through. Do you think they'll still add more charges after they approved me?
Title: Re: Car Insurance Master Thread
Post by: bkKarachi on May 26, 2014, 03:07:37 PM
Does it make a difference in the insurance price if I'm 21 as appose to 20
Also is there any way of co signing an older driver and bring down the cost of the insurance?
Title: Re: Car Insurance Master Thread
Post by: smee123 on May 26, 2014, 06:22:12 PM
Does it make a difference in the insurance price if I'm 21 as appose to 20
I think it does
Title: Re: Car Insurance Master Thread
Post by: avrumy22 on May 28, 2014, 12:48:27 PM
Had a weird story. Wanted to purchase the cheap offer that they gave me. After I gave payment info they said that offer nearly tripled!! I declined it, and tried again for a different offer ( about same like first) This time it went through. Do you think they'll still add more charges after they approved me?

dont see how they could. I use geico and they were the cheapest. I pay the rate they quoted. BTW they have a student discount  ;D.
Title: Re: Car Insurance Master Thread
Post by: YSP on May 28, 2014, 01:26:50 PM
dont see how they could. I use geico and they were the cheapest. I pay the rate they quoted. BTW they have a student discount  ;D.

They can and they will.

Every company offers good student discounts
Title: Re: Car Insurance Master Thread
Post by: Shmelly on June 09, 2014, 04:32:54 PM
Sorry to be the bearer of bad news, but what you've done is essentially insurance fraud.

I've posted this before:

Guy from Brooklyn I know owned a Ferrari. Lives the summers in Deal. Registered car in NJ to save on insurance. Guy totals said $300,000 Ferrari. Guy makes claim on Insurance.

Insurance investigates. Insurance offers guy two options:

1) We'll pay you the $300,000 and report you for insurance fraud, risking a decade or so in Rikers; or
2) Eat the loss.

He ate it.

At this point, you'd be foolish to keep paying OH insurance, if you even can. <-- That's practical advice.

I appreciate the advice, but I'd call that pragmatic, not practical. I am still left looking for answers to my questions:

1. Anyone ever hear of an insurance company coming after a customer retroactively for claims already paid?
2. Similarly, do they have any grounds for coming after me now to pay said 50 grand that I had saved?
3. Can I simply switch to a different insurance company in OH, or is there some sort of official record now showing every insurance company where I live?
Title: Re: Car Insurance Master Thread
Post by: SPLP on June 09, 2014, 05:42:03 PM
I appreciate the advice, but I'd call that pragmatic, not practical. I am still left looking for answers to my questions:

1. Anyone ever hear of an insurance company coming after a customer retroactively for claims already paid?
2. Similarly, do they have any grounds for coming after me now to pay said 50 grand that I had saved?
3. Can I simply switch to a different insurance company in OH, or is there some sort of official record now showing every insurance company where I live?



your pt 3-- WOW--guess u  have not learned --u still think ur playing with a $100 amex claim next time u may wind up in jail you admit you beat them out of 50k

Have no experience with your situation -- my 2 cents worth --  I think they can come after you , it is Fraud -- but will they? --- insurance co are subject to all kind of laws/regulations  and they follow them AND  remember ---they "investigated"  and found out you lied -- large Co's have "in house" everything --

not trying to scare you , but "think"  what if ur next accident people get killed who do u think will need to pay --NOT THE INSURANCE CO


Title: Car Insurance Master Thread
Post by: Super Speed on June 09, 2014, 09:11:33 PM


your pt 3-- WOW--guess u  have not learned --u still think ur playing with a $100 amex claim next time u may wind up in jail you admit you beat them out of 50k

Have no experience with your situation -- my 2 cents worth --  I think they can come after you , it is Fraud -- but will they? --- insurance co are subject to all kind of laws/regulations  and they follow them AND  remember ---they "investigated"  and found out you lied -- large Co's have "in house" everything --

not trying to scare you , but "think"  what if ur next accident people get killed who do u think will need to pay --NOT THE INSURANCE CO
+1 What people would do to save a few bucks.
Title: Re: Car Insurance Master Thread
Post by: Shmelly on June 10, 2014, 10:09:10 AM
$50K does not =
a few bucks.
Title: Re: Car Insurance Master Thread
Post by: AJK on June 10, 2014, 10:11:29 AM
It will make that sum look like pennies if faced with a not insignificant stint in the state pen,  b"eh.
Title: Re: Car Insurance Master Thread
Post by: YSP on June 10, 2014, 10:12:18 AM
I appreciate the advice, but I'd call that pragmatic, not practical. I am still left looking for answers to my questions:

1. Anyone ever hear of an insurance company coming after a customer retroactively for claims already paid?
2. Similarly, do they have any grounds for coming after me now to pay said 50 grand that I had saved?
3. Can I simply switch to a different insurance company in OH, or is there some sort of official record now showing every insurance company where I live?
1.Yes
2. Yes
3.There's a record. They may allow you to purchase a new policy in OH but that will also catch up with you eventually.
Title: Re: Car Insurance Master Thread
Post by: notanonymous on June 10, 2014, 10:14:53 AM
It will make that sum look like pennies if faced with a not insignificant stint in the state pen,  b"eh.
???

Do you mean ch'v?
Title: Re: Car Insurance Master Thread
Post by: AJK on June 10, 2014, 10:16:17 AM
Sure, that works, too.
Title: Re: Car Insurance Master Thread
Post by: Shmelly on June 10, 2014, 10:16:43 AM
It will make that sum look like pennies if faced with a not insignificant stint in the state pen,  b"eh.
I hope that's not b'ezras hashem...
Title: Re: Car Insurance Master Thread
Post by: Shmelly on June 10, 2014, 10:17:09 AM
1.Yes
2. Yes
3.There's a record. They may allow you to purchase a new policy in OH but that will also catch up with you eventually.
Thank you.
Title: Re: Car Insurance Master Thread
Post by: AJK on June 10, 2014, 10:17:18 AM
Of course not.
Title: Re: Car Insurance Master Thread
Post by: Shmelly on June 10, 2014, 10:25:03 AM
So now that I've been scared straight... what's the best way to shop for car insurance?
Title: Re: Car Insurance Master Thread
Post by: george on June 10, 2014, 10:39:25 AM
So now that I've been scared straight... what's the best way to shop for car insurance?
Same way you shopped for it the first time, just this time you do it in NY.
Get quotes from a few companies, and pick the best value.
Good luck.
Title: Re: Car Insurance Master Thread
Post by: Shmelly on June 10, 2014, 10:44:15 AM
Same way you shopped for it the first time, just this time you do it in NY.
Get quotes from a few companies, and pick the best value.
Good luck.
The "first time", 8 years ago, I called Nationwide, spent 10 minutes on the phone, and walked away paying about $45/month. I didn't need to do any shopping around.

Is there really no easier way to shop for car insurance in 2014?
Title: Re: Car Insurance Master Thread
Post by: Joe4007 on June 10, 2014, 11:12:04 AM
I hope that's not b'ezras hashem...
בעוונותינו הרבים...
Title: Re: Car Insurance Master Thread
Post by: DK23 on June 10, 2014, 11:43:05 AM
The "first time", 8 years ago, I called Nationwide, spent 10 minutes on the phone, and walked away paying about $45/month. I didn't need to do any shopping around.

Is there really no easier way to shop for car insurance in 2014?

Of course you can do that again... or go to any website and get a quote.. or go to a broker who will handle it for you... Either way won't be that cheap though
Title: Re: Car Insurance Master Thread
Post by: Shmelly on June 16, 2014, 05:51:25 PM
Is $1,063 (for 6 months, at $177/month) for 2 drivers on a leased '12 Accord in NYC a reasonable price? That's the esurance quote that I'm getting (compared to Geico which spit out $1445).
Title: Re: Car Insurance Master Thread
Post by: AJK on June 16, 2014, 05:52:02 PM
Per year?
Title: Re: Car Insurance Master Thread
Post by: Shmelly on June 16, 2014, 05:53:20 PM
Per year?
For 6 months. (I modified my original post at the same time you wrote this.)
Title: Re: Car Insurance Master Thread
Post by: AJK on June 16, 2014, 05:54:16 PM
IANAIB, but that seems darn good to me.
Title: Re: Car Insurance Master Thread
Post by: skyguy918 on June 16, 2014, 05:56:06 PM
IANAIB, but that seems darn good to me.
Maybe it's just me, but if it's the only time you'll ever be using a specific acronym, it's probably not a good use of an acronym.  ;D
Title: Re: Car Insurance Master Thread
Post by: Shmelly on June 16, 2014, 05:57:13 PM
That's good to know. It seemed really low to me too, but I'm new to the NY insurance market. (It's only $1008 if I pay it all upfront.)
Title: Re: Car Insurance Master Thread
Post by: AJK on June 16, 2014, 05:57:50 PM
Maybe it's just me, but if it's the only time you'll ever be using a specific acronym, it's probably not a good use of an acronym.  ;D

I'd agree, but this one was a gimme based on context :)
Title: Re: Car Insurance Master Thread
Post by: Super Speed on June 16, 2014, 06:52:15 PM
IANAIB, but that seems darn good to me.
Really? How much different is the NY market compared to NJ? (I'm not being sarcastic, just surprised that what he quoted was considered awesome) I'm paying $145/month for 2 leased cars.
Title: Re: Car Insurance Master Thread
Post by: bubbles on June 16, 2014, 07:06:55 PM
I got quote for Brooklyn and Lakewood a few years ago. Brooklyn was almost double
Title: Re: Car Insurance Master Thread
Post by: Joe4007 on June 16, 2014, 07:28:37 PM
Really? How much different is the NY market compared to NJ? (I'm not being sarcastic, just surprised that what he quoted was considered awesome) I'm paying $145/month for 2 leased cars.
It's not the NY market. It's the NYC market.

I pay approx. $90 a month outside of the city for a leased car.
Title: Re: Car Insurance Master Thread
Post by: sillypainter on June 16, 2014, 07:30:36 PM
It's not the NY market. It's the NYC market.

I pay approx. $90 a month outside of the city for a leased car.

I pay under $70/month in NYS (over 25. outside NYC).
Title: Re: Car Insurance Master Thread
Post by: Joe4007 on June 16, 2014, 07:32:38 PM
I pay under $70/month in NYS (over 25. outside NYC).
Well, I should add that I'm under 25.
Title: Re: Car Insurance Master Thread
Post by: AJK on June 16, 2014, 07:40:46 PM
It's not the NY market. It's the NYC market.

I pay approx. $90 a month outside of the city for a leased car.

I pay under $70/month in NYS (over 25. outside NYC).

Type and year of car?
Title: Re: Car Insurance Master Thread
Post by: Joe4007 on June 16, 2014, 07:51:29 PM
Type and year of car?
'12 Honda Civic.
Title: Re: Car Insurance Master Thread
Post by: AJK on June 16, 2014, 07:52:19 PM
'12 Honda Civic.

That seems to be very good, too...

Mind if I ask what insurance company? You can PM if you feel more comfortable.
Title: Re: Car Insurance Master Thread
Post by: skyguy918 on June 16, 2014, 08:20:49 PM
I'd agree, but this one was a gimme based on context :)
I figured out what it meant right away, that doesn't mean it's a good idea to use it.
Title: Re: Car Insurance Master Thread
Post by: Joe4007 on June 16, 2014, 08:32:27 PM
That seems to be very good, too...

Mind if I ask what insurance company? You can PM if you feel more comfortable.
Sure thing.

GM Insurance Brokerage:
Office: 718-257-1400
Cell: 718-812-3597
Title: Re: Car Insurance Master Thread
Post by: AJK on June 16, 2014, 08:34:07 PM
I figured out what it meant right away, that doesn't mean it's a good idea to use it.

DILLIGAS  ;D

Sure thing.

GM Insurance Brokerage:
Office: 718-257-1400
Cell: 718-812-3597

Danke!
Title: Re: Car Insurance Master Thread
Post by: Joe4007 on June 16, 2014, 08:38:36 PM
DILLIGAS  ;D
I poop regularly, thanks very much.
:P
Title: Re: Car Insurance Master Thread
Post by: Shmelly on June 20, 2014, 12:29:13 PM
Is $1,063 (for 6 months, at $177/month) for 2 drivers on a leased '12 Accord in NYC a reasonable price? That's the esurance quote that I'm getting (compared to Geico which spit out $1445).
I just ran a Geico quote again, this time over the phone instead of online, and got $741 for 6 months.

One of the pushiest salesman I've ever dealt with. I ultimately told him that I was so turned off by his pushiness that I prefer to hang up, call back, and let a different agent get the commission, if there are any. (He had assured me several times that he was a salaried employee who wouldn't make anything from the call.)
Title: Re: Car Insurance Master Thread
Post by: 12HRS on June 20, 2014, 12:48:56 PM
I was told the same thing. But even if he doesn't make a commission I am sure his bonuses and raises/job are tied very closely to his ability to close the deal. I just told them straight out I don't make decisions until I call other companies and I would be happy to call you back directly.
Title: Re: Car Insurance Master Thread
Post by: Shmelly on June 20, 2014, 04:32:00 PM
Just signed up with Geico, cost me $729 for 6 months. I feel like I got a great deal.
Title: Re: Car Insurance Master Thread
Post by: Super Speed on June 20, 2014, 05:00:05 PM
I called up yesterday to go over my policy, I went through everything piece by piece and managed to knock down my policy by $150 over a 6 month period! :D
Title: Re: Car Insurance Master Thread
Post by: AnonymousUser on June 20, 2014, 05:24:43 PM
I called up yesterday to go over my policy, I went through everything piece by piece and managed to knock down my policy by $150 over a 6 month period! :D
By cutting things out or bargaining for a discount?
Title: Re: Car Insurance Master Thread
Post by: Super Speed on June 20, 2014, 06:01:24 PM
Cutting things out! Like 24 hour lockout service... Thank you Chaveirim!
Title: Re: Car Insurance Master Thread
Post by: googwallet on June 20, 2014, 06:29:56 PM
My father got swiped by a teen in jersey, the kid agrees he's guilty and they filled a police report.
A few weeks later, Geico (my fathers insurer) tells us that the kid had a 'storage policy' which was not valid for a car on the road, and isn't going to pay out. As far as my fathers insurance, he has a $1k deductible which is just about the amount of damage done - is there anything that can be done?
Title: Re: Car Insurance Master Thread
Post by: myb821 on June 21, 2014, 09:53:17 PM
My father got swiped by a teen in jersey, the kid agrees he's guilty and they filled a police report.
A few weeks later, Geico (my fathers insurer) tells us that the kid had a 'storage policy' which was not valid for a car on the road, and isn't going to pay out. As far as my fathers insurance, he has a $1k deductible which is just about the amount of damage done - is there anything that can be done?
sue the kid
Title: Re: Car Insurance Master Thread
Post by: PlatinumGuy on June 22, 2014, 02:57:15 AM
sue the kid
For a 1000 bucks?
Title: Re: Car Insurance Master Thread
Post by: rots5 on June 22, 2014, 07:06:36 AM
For a 1000 bucks?
Its the princable of the matter
Title: Re: Car Insurance Master Thread
Post by: myb821 on June 22, 2014, 08:53:21 AM
For a 1000 bucks?
small claims court. I wasnt saying he should but that it his only option.
Title: Re: Car Insurance Master Thread
Post by: googwallet on June 22, 2014, 11:49:43 AM
small claims court. I wasnt saying he should but that it his only option.
Thanks for input.
Think he'll just eat it.

btw, is it a common thing for people to be driving around with these policies?
Title: Re: Car Insurance Master Thread
Post by: Super Speed on June 22, 2014, 12:35:26 PM
Thanks for input.
Think he'll just eat it.

btw, is it a common thing for people to be driving around with these policies?
I doubt it, its probably illegal?
Title: Re: Car Insurance Master Thread
Post by: smurf on June 22, 2014, 01:43:06 PM
My father got swiped by a teen in jersey, the kid agrees he's guilty and they filled a police report.
A few weeks later, Geico (my fathers insurer) tells us that the kid had a 'storage policy' which was not valid for a car on the road, and isn't going to pay out. As far as my fathers insurance, he has a $1k deductible which is just about the amount of damage done - is there anything that can be done?
did
Does the policy have uninsured/underinsured coverage?
Title: Re: Car Insurance Master Thread
Post by: skyguy918 on June 22, 2014, 03:32:02 PM
did
Does the policy have uninsured/underinsured coverage?
I believe that only covers situations where you are injured by the uninsured, not when your car is damaged.

ETA: @googwallet
Either way, Geico is saying they can't do anything about it? If you file a claim with them, don't you pay your deductible up front, and then Geico is responsible to pursue a claim against the other party (regardless of their insured status)?
Title: Re: Car Insurance Master Thread
Post by: googwallet on June 22, 2014, 09:17:09 PM
I believe that only covers situations where you are injured by the uninsured, not when your car is damaged.

ETA: @googwallet
Either way, Geico is saying they can't do anything about it? If you file a claim with them, don't you pay your deductible up front, and then Geico is responsible to pursue a claim against the other party (regardless of their insured status)?
Yeah, but my father's isn't interested in paying the deductible since the damage at most is $1,000. If paying the deductible is the only option he'll just leave it the way it is and at the end of the lease deal with it.
Title: Re: Car Insurance Master Thread
Post by: etech0 on July 06, 2014, 04:12:26 PM
I have a question while filling out a quote for Geico. What "Type of Student" do you call someone learning in Kollel?

Is someone studying Talmudic Law a law student? :)

(http://i62.tinypic.com/332up00.png)
Title: Re: Car Insurance Master Thread
Post by: AnonymousUser on July 06, 2014, 04:15:24 PM
I have a question while filling out a quote for Geico. What "Type of Student" do you call someone learning in Kollel?

Is someone studying Talmudic Law a law student? :)

(http://i62.tinypic.com/332up00.png)
If the kollel is not an accredited college, then technically I don't know if he's considered a student. If it is, the if he has a BTL already, then he's a graduate student, if not, he's an undergrad.
Title: Re: Car Insurance Master Thread
Post by: Super Speed on July 06, 2014, 04:16:59 PM

I have a question while filling out a quote for Geico. What "Type of Student" do you call someone learning in Kollel?

Is someone studying Talmudic Law a law student? :)

(http://i62.tinypic.com/332up00.png)
I personally found that when calling you get better than what was quoted online, you can discuss things with them and play around with coverages.
Title: Re: Car Insurance Master Thread
Post by: etech0 on July 06, 2014, 08:33:01 PM
I personally found that when calling you get better than what was quoted online, you can discuss things with them and play around with coverages.
And I personally had a hard time hearing what the agent was saying :)
But that might just  be my phone
Title: Re: Car Insurance Master Thread
Post by: etech0 on July 07, 2014, 12:58:17 PM
You have requested more rate quotations than our system allows from a single customer. If you need to make any further changes to your information please call one of our insurance counselors toll-free at 1-800-841-5660.

Thanks for your interest in GEICO.

:( Now I have to call them
Title: Re: Car Insurance Master Thread
Post by: ckmk47 on July 08, 2014, 09:50:15 AM
You have requested more rate quotations than our system allows from a single customer. If you need to make any further changes to your information please call one of our insurance counselors toll-free at 1-800-841-5660.

Thanks for your interest in GEICO.

:( Now I have to call them
incognito browsing? or are they going by social?
Title: Re: Car Insurance Master Thread
Post by: etech0 on July 08, 2014, 10:48:53 AM
incognito browsing? or are they going by social?
I was logged in, so I doubt incognito would have helped. Regardless, I had basically decided what I want so I just called and put it through. Came out cheaper than the website too!
Title: Car Insurance Master Thread
Post by: Super Speed on July 08, 2014, 01:44:14 PM
I was logged in, so I doubt incognito would have helped. Regardless, I had basically decided what I want so I just called and put it through. Came out cheaper than the website too!
HT: Super Speed >:(
I personally found that when calling you get better than what was quoted online, you can discuss things with them and play around with coverages.
Title: Re: Car Insurance Master Thread
Post by: etech0 on July 08, 2014, 01:50:59 PM
HT: Super Speed >:(
Yup!
I made all my decisions as to how much to cover for what online, where I could see the numbers in front of me and not rely on a salesperson who talks really fast and is trying to convince me to insure more than I need to. Then I called, told them EXACTLY what I wanted, and managed to get a better price :).
Title: Re: Car Insurance Master Thread
Post by: NI on July 28, 2014, 02:40:55 PM
Wondering if anyone can help me:)...were new at this!
Husband is 27, wife 23-we have never owned or leased a car before
husband-one ticket for a stop sign over a yr ago
wife-one speeding ticket, one accident both over a year ago

Not sure if we should buy or lease, we live in brooklyn
geico quoted $245 for a 2014 nissan altima lease and $121-205 depending on coverage for a 2008 used car
Are these quotes reasonable?
I feel like they are quite expensive...
anyone know better places for better deals on insurance?
thank you!
Title: Re: Car Insurance Master Thread
Post by: myb821 on July 28, 2014, 02:45:23 PM
Wondering if anyone can help me:)...were new at this!
Husband is 27, wife 23-we have never owned or leased a car before
husband-one ticket for a stop sign over a yr ago
wife-one speeding ticket, one accident both over a year ago

Not sure if we should buy or lease, we live in brooklyn
geico quoted $245 for a 2014 nissan altima lease and $121-205 depending on coverage for a 2008 used car
Are these quotes reasonable?
I feel like they are quite expensive...
anyone know better places for better deals on insurance?
thank you!
sounds reasonable actually. You both have points on your license and u had an accident.
Title: Re: Car Insurance Master Thread
Post by: YSP on July 28, 2014, 03:12:31 PM
Wondering if anyone can help me:)...were new at this!
Husband is 27, wife 23-we have never owned or leased a car before
husband-one ticket for a stop sign over a yr ago
wife-one speeding ticket, one accident both over a year ago

Not sure if we should buy or lease, we live in brooklyn
geico quoted $245 for a 2014 nissan altima lease and $121-205 depending on coverage for a 2008 used car
Are these quotes reasonable?
I feel like they are quite expensive...
anyone know better places for better deals on insurance?
thank you!

The tickets and the accident aren't your biggest problem. The lack of previous insurance is. That's why you're paying so much.
Title: Re: Car Insurance Master Thread
Post by: sunny on July 28, 2014, 03:23:53 PM
Wondering if anyone can help me:)...were new at this!
Husband is 27, wife 23-we have never owned or leased a car before
husband-one ticket for a stop sign over a yr ago
wife-one speeding ticket, one accident both over a year ago

Not sure if we should buy or lease, we live in brooklyn
geico quoted $245 for a 2014 nissan altima lease and $121-205 depending on coverage for a 2008 used car
Are these quotes reasonable?
I feel like they are quite expensive...
anyone know better places for better deals on insurance?
thank you!

not sure if it makes a difference but accident was wifes fault, and her ticket was not speeding-was also stop sign...
any tips to cut down costs?
Title: Re: Car Insurance Master Thread
Post by: KidOOO on July 28, 2014, 10:28:48 PM
not sure if it makes a difference but accident was wifes fault, and her ticket was not speeding-was also stop sign...
any tips to cut down costs?

Shop around 4-5 companies, get the cheapest price

repeat after 6 months, 12 months etc until you feel you are paying low enough
Title: Re: Car Insurance Master Thread
Post by: zevi on July 29, 2014, 05:36:39 PM
Anyone ever hear of Farmers insurance?
Title: Re: Car Insurance Master Thread
Post by: YSP on July 29, 2014, 05:37:36 PM
Sure. They're a standard carrier.
Title: Re: Car Insurance Master Thread
Post by: zevi on July 29, 2014, 05:40:00 PM
Sure. They're a standard carrier.
Thnx
Title: Re: Car Insurance Master Thread
Post by: henche on July 30, 2014, 11:06:01 AM
Anyone ever hear of farmers insurance?

I think they probably would use it for hedging against like a drought or a blight.  They also often sell futures so that they don't carry the market risk.
Title: Re: Car Insurance Master Thread
Post by: YSP on July 30, 2014, 11:07:01 AM
Farmers is an insurance company that sells auto and home insurance
Title: Re: Car Insurance Master Thread
Post by: YSP on July 30, 2014, 11:10:35 AM
Im pretty sure farmers doesn't even sell farm insurance. Nationwide is the #1 insurer of farms in the country.
Title: Re: Car Insurance Master Thread
Post by: henche on July 30, 2014, 12:02:58 PM
Farmers is an insurance company that sells auto and home insurance

Of course. And caterpillar is a company that makes bulldozers?
Title: Re: Car Insurance Master Thread
Post by: YSP on July 30, 2014, 12:04:17 PM
I think they probably would use it for hedging against like a drought or a blight.  They also often sell futures so that they don't carry the market risk.

Was responding to this quote
Title: Re: Car Insurance Master Thread
Post by: skyguy918 on July 30, 2014, 12:16:20 PM
Was responding to this quote
Farmers Insurance vs farmers insurance
Title: Re: Car Insurance Master Thread
Post by: henche on August 02, 2014, 10:40:01 PM
Are there any websites that aggregate quotes for you, so that you can plug your info in only once? I'd pay 50 bucks for that.
Title: Re: Car Insurance Master Thread
Post by: YSP on August 02, 2014, 10:40:44 PM
Netquote.com
Title: Re: Car Insurance Master Thread
Post by: Hamavin on August 12, 2014, 08:53:08 PM
Whats the best company to start with if i never had insurance and wife left hers 2 years ago? Is there any way to get decent rate?
Title: Re: Car Insurance Master Thread
Post by: YSP on August 12, 2014, 09:55:12 PM
Progressive
Title: Re: Car Insurance Master Thread
Post by: Hamavin on August 12, 2014, 11:01:48 PM
Any way to get a discount with geico?
Title: Car Insurance Master Thread
Post by: Super Speed on August 12, 2014, 11:02:39 PM
Any way to get a discount with geico?
If you have a Berkshire stock it's 7% or 8% off, I don't remember exactly.
Title: Re: Car Insurance Master Thread
Post by: aygart on August 12, 2014, 11:05:41 PM
Any way to get a discount with geico?


If you have a Berkshire stock it's 7% or 8% off, I don't remember exactly.
They don't make you prove it, it is a question on the enrollment iirc. Many people own some through a mutual fund or retirement account.
Title: Re: Car Insurance Master Thread
Post by: sillypainter on August 12, 2014, 11:07:21 PM
If you have a Berkshire stock it's 7% or 8% off, I don't remember exactly.

I have Geico and I was never asked that question.
Title: Re: Car Insurance Master Thread
Post by: Hamavin on August 12, 2014, 11:13:57 PM
If you have a Berkshire stock it's 7% or 8% off, I don't remember exactly.
Can i just buy 1 stock?
Title: Re: Car Insurance Master Thread
Post by: Super Speed on August 12, 2014, 11:17:39 PM

Can i just buy 1 stock?
Yes or possibly even less than one stock through loyal3.
Title: Re: Car Insurance Master Thread
Post by: aygart on August 12, 2014, 11:51:42 PM
Can i just buy 1 stock?
or any big large cap mutual fund or index fund. Or etf
Title: Re: Car Insurance Master Thread
Post by: Hamavin on August 13, 2014, 12:00:02 AM
K can someone pls tell me the cheapest thing i can buy right now!
Title: Re: Car Insurance Master Thread
Post by: 12HRS on August 13, 2014, 02:26:24 AM
If you have a Berkshire stock it's 7% or 8% off, I don't remember exactly.

In NYC the discount is ~1% (at least on mine)
Title: Re: Car Insurance Master Thread
Post by: Hamavin on August 13, 2014, 09:53:34 AM
Is there a point of getting more then 15k pip in jersey? What about collision how much should t-he car be worth to make it worth it?
Title: Re: Car Insurance Master Thread
Post by: avrumy22 on August 13, 2014, 11:17:03 AM
Any way to get a discount with geico?

student discount  :D
Title: Re: Car Insurance Master Thread
Post by: YSP on August 13, 2014, 11:20:21 AM
K can someone pls tell me the cheapest thing i can buy right now!

Cheapest is nice but usually if you say that to the insurance co they will strip down the coverages and you'll have minimal coverage when it comes claim time.

Title: Re: Car Insurance Master Thread
Post by: alpicone on August 13, 2014, 01:44:41 PM
If you have a Berkshire stock it's 7% or 8% off, I don't remember exactly.

Depending on the state and also it is offset by any other discounts that you have.
Title: Re: Car Insurance Master Thread
Post by: Hamavin on August 13, 2014, 06:33:05 PM
They want me to send in proof of berkshire hathway what should i buy and what should i send in? You think 1 share of class b would suffice?
Title: Re: Car Insurance Master Thread
Post by: alpicone on August 13, 2014, 06:39:41 PM

They want me to send in proof of berkshire hathway what should i buy and what should i send in? You think 1 share of class b would suffice?

A shareholder is a shareholder even if he only owns one share. But BRK.B is a great stock so why not buy more
Title: Re: Car Insurance Master Thread
Post by: Hamavin on August 13, 2014, 06:51:56 PM
I imagine they dont make you have class a correct?
Title: Re: Car Insurance Master Thread
Post by: aygart on August 13, 2014, 07:12:37 PM
They want me to send in proof of berkshire hathway what should i buy and what should i send in? You think 1 share of class b would suffice?
do you own any mutual fund shares?
Title: Re: Car Insurance Master Thread
Post by: Hamavin on August 13, 2014, 07:36:31 PM
no but i am willing to buy whatever it takes.....
Title: Car Insurance Master Thread
Post by: alpicone on August 13, 2014, 07:42:00 PM


Negative. Class B is good enough.
Title: Re: Car Insurance Master Thread
Post by: 12HRS on August 13, 2014, 08:43:08 PM
no but i am willing to buy whatever it takes.....

Big Spender! (https://www.google.com/finance?q=NYSE:BRK.A)

otherwise buy this (https://www.google.com/finance?q=NYSE:BRK.B)
Title: Re: Car Insurance Master Thread
Post by: Hamavin on August 13, 2014, 09:23:29 PM
I should call my broker and buy 1 share of class b and then just send in proof and i am good to go? Is there anything cheaper that would suffice?
Title: Re: Car Insurance Master Thread
Post by: aygart on August 13, 2014, 09:41:51 PM
check ETFs which own it. They may be cheaper. It may be good idea to own some stuff anyhow.
Title: Re: Car Insurance Master Thread
Post by: Hamavin on August 14, 2014, 11:31:29 AM
Is it worth it to take the defense course to lower rate or to wait till you (chas vshalom) have points (only works once in 5 years)?
Title: Re: Car Insurance Master Thread
Post by: YSP on August 14, 2014, 02:39:51 PM
Is it worth it to take the defense course to lower rate or to wait till you (chas vshalom) have points (only works once in 5 years)?

Take it now
Title: Re: Car Insurance Master Thread
Post by: Hamavin on August 14, 2014, 06:00:34 PM
Take it now
Why? Also how long do you have to hold onto the shares for?
Title: Re: Car Insurance Master Thread
Post by: elikay on August 15, 2014, 01:05:33 AM
Is there a point of getting more then 15k pip in jersey? What about collision how much should t-he car be worth to make it worth it?
Do you have health insurance? If you do and it covers car accidents, then no point.
Title: Re: Car Insurance Master Thread
Post by: Hamavin on August 15, 2014, 11:09:19 AM
Do you have health insurance? If you do and it covers car accidents, then no point.
jerseycare?
Title: Re: Car Insurance Master Thread
Post by: googwallet on August 18, 2014, 05:56:41 PM
Am I overpaying?

06 impala, liability only, I'm the only driver, 24 yrs old, no history of moving violations, got my license in 2010, I live in Monsey I currently have geico.
Paying $477 / 6 Mo

Did I forget anything?
Title: Re: Car Insurance Master Thread
Post by: YSP on August 18, 2014, 05:57:26 PM
How much?
Title: Re: Car Insurance Master Thread
Post by: googwallet on August 18, 2014, 05:58:15 PM
How much?
$477 for 6 months
Title: Re: Car Insurance Master Thread
Post by: sammy n on August 20, 2014, 09:07:50 AM

Am I overpaying?

06 impala, liability only, I'm the only driver, 24 yrs old, no history of moving violations, got my license in 2010, I live in Monsey I currently have geico.
Paying $477 / 6 Mo

Did I forget anything?
Thats pretty good.
Title: Re: Car Insurance Master Thread
Post by: michael on September 16, 2014, 08:02:16 PM
My friend borrowed my car a few months ago and got into an accident. I just got my new bill and called the company- it went up by $350 per year due to the accident. The accident is not on my personal driving record (I assume). If I switch insurance companies, will this accident come along with me and keep my rate high?
Title: Re: Car Insurance Master Thread
Post by: YSP on September 16, 2014, 08:02:51 PM
No
Title: Re: Car Insurance Master Thread
Post by: avrumy22 on October 04, 2014, 11:45:19 PM
If I have a ticket coming up that I may lose, whats the best way to lock in a rate for a year? Do I call my current insurance (Geico) and ask for a year contract?
Title: Re: Car Insurance Master Thread
Post by: googwallet on October 05, 2014, 12:29:59 AM
Thats pretty good.
Sure thing.

Just made some calls to see if I can get a better deal the best they could offer wad $1200/6 mo while now I'm paying $477.
Title: Re: Car Insurance Master Thread
Post by: Thingywingy on October 06, 2014, 01:56:27 AM
Someone with a rental car hit my parked car and filed a police report. My understanding is even though its 100% no fault it may have a negative impact on my insurance. While by itself it won't raise the rates if there is more than one no-fault that may raise the rate. Can I make a claim with rental insurance without going through my insurance? I know the driver, as well as the local rental company that provided the liability insurance.
Title: Re: Car Insurance Master Thread
Post by: YSP on October 06, 2014, 02:01:48 PM
Someone with a rental car hit my parked car and filed a police report. My understanding is even though its 100% no fault it may have a negative impact on my insurance. While by itself it won't raise the rates if there is more than one no-fault that may raise the rate. Can I make a claim with rental insurance without going through my insurance? I know the driver, as well as the local rental company that provided the liability insurance.

You should be able to go through the rental car companies insurance or if the person denied their coverage you can claim it through their personal insurance
Title: Re: Car Insurance Master Thread
Post by: HowYaDoin on October 30, 2014, 04:03:48 PM
So after a year with a couple of tickets and an accident the inevitable happened.... my rates sky rocketed i have AAA, anybody have any eitzos?
Title: Re: Car Insurance Master Thread
Post by: mawmaw on October 31, 2014, 12:10:30 AM
liberty mutual have the best rates for bad records from my experience you can pm me for more info 
Title: Re: Car Insurance Master Thread
Post by: DK23 on October 31, 2014, 10:19:35 AM
If I have a ticket coming up that I may lose, whats the best way to lock in a rate for a year? Do I call my current insurance (Geico) and ask for a year contract?

Geico only "locks in" a policy for 6 months at a time. 
Title: Re: Car Insurance Master Thread
Post by: avrumy22 on October 31, 2014, 10:59:54 AM
Geico only "locks in" a policy for 6 months at a time.

YE..... anyone kno an insurance co that offers a year rate?
Title: Re: Car Insurance Master Thread
Post by: zevi on October 31, 2014, 11:08:08 AM
Try Farmers insurance they generally have cheap rates
Title: Re: Car Insurance Master Thread
Post by: HowYaDoin on October 31, 2014, 11:21:18 AM
YE..... anyone kno an insurance co that offers a year rate?
AAA and in jersey they are very competitive (even for high risk ppl like myself)
Title: Re: Car Insurance Master Thread
Post by: avrumy22 on October 31, 2014, 12:15:14 PM
AAA and in jersey they are very competitive (even for high risk ppl like myself)

They just quoted me 3100 per year  :o (1550 for six months)

I am currently paying $791.80.
Title: Re: Car Insurance Master Thread
Post by: HowYaDoin on October 31, 2014, 01:06:08 PM
They just quoted me 3100 per year  :o (1550 for six months)

I am currently paying $791.80.
I shouldve written IME, because Geico is almost 30% more than what im paying with AAA... whatever
Title: Re: Car Insurance Master Thread
Post by: avrumy22 on October 31, 2014, 04:59:35 PM
I shouldve written IME, because Geico is almost 30% more than what im paying with AAA... whatever

Lol no harm done. Just a phone call.... found cheap by travelers.
Title: Re: Car Insurance Master Thread
Post by: Thingywingy on November 10, 2014, 10:57:45 PM
My car was hit while parked. The car is drivable as is, despite the damage. The driver was in a rental from Just4wheels and which has rental insurance through ARI. They sent down an appraiser and already mailed me a check. Are they required to pay for my rental car while my car is being repaired?
Title: Re: Car Insurance Master Thread
Post by: 3yummyboys on November 12, 2014, 02:29:30 PM
Car insurance prices are based on so many factors (i.e. type of car, age of car, age of driver, prior accidents, location etc.) that it is very hard to compare prices based on what someone else pays.
Title: Re: Car Insurance Master Thread
Post by: coralsnake on November 12, 2014, 07:32:41 PM
My car was hit while parked. The car is drivable as is, despite the damage. The driver was in a rental from Just4wheels and which has rental insurance through ARI. They sent down an appraiser and already mailed me a check. Are they required to pay for my rental car while my car is being repaired?
Yes
Title: Re: Car Insurance Master Thread
Post by: Thingywingy on November 12, 2014, 07:53:00 PM
Yes
They sent me a check equal to to the estimate for repairs. Didn't add amount for rental. Am I supposed to ask for that seperately?whats your source that they have to pay for rental? (Not disagreeing, just wondering).
Title: Re: Car Insurance Master Thread
Post by: Hamavin on November 22, 2014, 10:24:08 PM
Is it  reccomeneded to use insurance to seal a small crack in glass in windsheild?
Title: Re: Car Insurance Master Thread
Post by: noturbizniss on November 22, 2014, 11:59:05 PM
Is it  reccomeneded to use insurance to seal a small crack in glass in windsheild?
Do you have glass coverage with no deductible? If so, ime it doesn't affect rates. I've had a window and windshield replaced at different times with no rate increase
Title: Re: Car Insurance Master Thread
Post by: YSP on November 24, 2014, 11:54:22 AM
Is it  reccomeneded to use insurance to seal a small crack in glass in windsheild?

The insurance company will usually fix it for free with no deductible and it's not chargeable. Speak to your agent.
Title: Re: Car Insurance Master Thread
Post by: Novo on December 16, 2014, 11:53:01 AM
liberty mutual have the best rates for bad records from my experience you can pm me for more info
Wow! Here's my story.
When I bought my car, the cheapest rate I got was from Progressive, $1150 for 6 months.
After 6 months it went down to $1050
I had a small accident, it went up to $1700, so I switched to Geico and paid $1330.

My renewal is in January, I just got my Geico bill, it went down to $1002/6 months.
I shopped for quotes and got from Liberty Mutual (SafeCo) $1358 for a year! (That's $679/6 months)
Title: Re: Car Insurance Master Thread
Post by: sammy n on December 16, 2014, 11:58:43 AM
Wow! Here's my story.
When I bought my car, the cheapest rate I got was from Progressive, $1150 for 6 months.
After 6 months it went down to $1050
I had a small accident, it went up to $1700, so I switched to Geico and paid $1330.

My renewal is in January, I just got my Geico bill, it went down to $1002/6 months.
I shopped for quotes and got from Liberty Mutual (SafeCo) $1358 for a year! (That's $679/6 months)
Wow! where do you live? and what car is that on? That sound expensive what you were paying.
Title: Re: Car Insurance Master Thread
Post by: DMYD on December 16, 2014, 12:11:32 PM
Wow! where do you live? and what car is that on? That sound expensive what you were paying.
definitely not NY, I also had an accident last month waiting to see how much it will go up, then I have to go shopping.
Title: Re: Car Insurance Master Thread
Post by: YSP on December 23, 2014, 12:56:25 PM
definitely not NY, I also had an accident last month waiting to see how much it will go up, then I have to go shopping.

That's why it's worth getting accident forgiveness...
Title: Re: Car Insurance Master Thread
Post by: DMYD on December 23, 2014, 01:06:26 PM
That's why it's worth getting accident forgiveness...
never heard of that, what is that?
Title: Re: Car Insurance Master Thread
Post by: YSP on December 23, 2014, 01:27:09 PM
never heard of that, what is that?
If you get into an accident (which in NY is more likely than most places) your rates won't go up because of it. Costs a drop more but it's worth it.
Title: Re: Car Insurance Master Thread
Post by: DMYD on December 23, 2014, 01:28:06 PM
If you get into an accident (which in NY is more likely than most places) your rates won't go up because of it. Costs a drop more but it's worth it.
All Companies have that option?
Title: Re: Car Insurance Master Thread
Post by: fc on March 10, 2015, 09:25:26 PM
YE..... anyone kno an insurance co that offers a year rate?

a year ago i paid $3000/year with allstate, 6 months ago i switched to geico for $2500/ year , 2 months ago i switched to Maidstone and im paying $1275/year !!!

i paid the whole year upfront(brought the policy down 30%), im a ny resident, im 26 and i have a cellphone ticket on my record!!
Title: Re: Car Insurance Master Thread
Post by: jackofall on March 15, 2015, 03:21:22 PM
Do you have glass coverage with no deductible? If so, ime it doesn't affect rates. I've had a window and windshield replaced at different times with no rate increase
In most states your rate will not go up because of a comprehensive claim.
All non moving related claims are covered by your comprehensive policy, ie theft, hit a deer etc.
Title: Re: Car Insurance Master Thread
Post by: Achas Veachas on April 02, 2015, 12:55:51 PM
I'm about to start a new lease, I think I once saw somewhere that if you keep you old car on the insurance plan and put the coverage down to the minimums you end up actually saving money due to the multi-car discount. Any truth to that?
Title: Re: Car Insurance Master Thread
Post by: Ryan the Yid on April 02, 2015, 01:09:29 PM
It depends on the insurance company in NJ I had two cars on my policy and I ended up paying less than I did when I only had o e car
Title: Re: Car Insurance Master Thread
Post by: YSP on April 02, 2015, 03:34:01 PM
I'm about to start a new lease, I think I once saw somewhere that if you keep you old car on the insurance plan and put the coverage down to the minimums you end up actually saving money due to the multi-car discount. Any truth to that?

progressive has a massive multi car discount but with most companies it doesn't pay
Title: Re: Car Insurance Master Thread
Post by: Sowhat on April 07, 2015, 10:39:18 PM
a year ago i paid $3000/year with allstate, 6 months ago i switched to geico for $2500/ year , 2 months ago i switched to Maidstone and im paying $1275/year !!!

i paid the whole year upfront(brought the policy down 30%), im a ny resident, im 26 and i have a cellphone ticket on my record!!

Interesting. Geico wanted much more than Allstate.
Title: Re: Car Insurance Master Thread
Post by: Tuna Baygel on April 07, 2015, 10:52:04 PM
Any advice on an insurance good for first time young insurers living in Brooklyn
Title: Re: Car Insurance Master Thread
Post by: Lou Bob on April 08, 2015, 02:12:13 PM
Any advice on an insurance good for first time young insurers living in Brooklyn
walk  ;)
Title: Re: Car Insurance Master Thread
Post by: noturbizniss on April 08, 2015, 02:23:08 PM
Any advice on an insurance good for first time young insurers living in Brooklyn
please keep the chametz off the forums. post back after pesach.
Title: Re: Car Insurance Master Thread
Post by: Tuna Baygel on April 08, 2015, 09:53:22 PM
walk  ;)
Come on now you tell me!

Should of told me before I bought the car ;)
please keep the chametz off the forums. post back after pesach.
I really have no clue what your saying

I came out with these possibilities

1. Young drivers are chometz
2. Talking car insurance on pesach is chometz
3. Your not really sure what you said
4. You made a mistake
Title: Re: Car Insurance Master Thread
Post by: Achas Veachas on April 08, 2015, 10:13:07 PM
Come on now you tell me!

Should of told me before I bought the car ;)I really have no clue what your saying

I came out with these possibilities

1. Young drivers are chometz
2. Talking car insurance on pesach is chometz
3. Your not really sure what you said
4. You made a mistake
5. Certain baked goods that may or may not be garnished with a fish spread are Chometz.
Title: Re: Car Insurance Master Thread
Post by: yitrap on April 08, 2015, 10:25:30 PM

5. Certain baked goods that may or may not be garnished with a fish spread are Chometz.

The intensity of the cornyness in that joke.......
Title: Re: Car Insurance Master Thread
Post by: Achas Veachas on April 08, 2015, 11:48:40 PM
The intensity of the cornyness in that joke.......
Kitniyos :P
Title: Re: Car Insurance Master Thread
Post by: yitrap on April 09, 2015, 12:09:16 AM

Kitniyos :P

Wow!!!
Title: Re: Car Insurance Master Thread
Post by: Tuna Baygel on April 09, 2015, 12:56:17 AM
I'm so lost!
Title: Re: Car Insurance Master Thread
Post by: yitrap on April 09, 2015, 01:22:58 AM

I'm so lost!

Ponder it.
Title: Re: Car Insurance Master Thread
Post by: noturbizniss on April 09, 2015, 09:11:28 AM
I'm so lost!
Title: Re: Car Insurance Master Thread
Post by: Tuna Baygel on April 09, 2015, 11:52:52 AM
I'm so lost!
Title: Re: Car Insurance Master Thread
Post by: insider on June 09, 2015, 03:01:03 PM
Does car insurance quote make a hard credit pull? I received the following email from  geico:

"Federal Fair Credit Reporting Act Disclosure Notice

Thank you for contacting GEICO for a rate quote.

The price we are quoting you is based in part on information provided to us by the consumer reporting agency listed below.

We are sending you this notice, as required by the Fair Credit Reporting Act, because you received a higher price based on your credit information. However, you may contact us for additional consideration if the credit information used is a result of an extraordinary life circumstance.

The consumer reporting agency provided the following description of the credit factors that had the most influence on the price we quoted you:
-Insufficient number of installment loans (-)

-Too many inquiries in past 24 months (-)
...
"
Title: Re: Car Insurance Master Thread
Post by: Red on June 09, 2015, 03:38:58 PM
Should be a soft pull
Title: Re: Car Insurance Master Thread
Post by: David Smith on June 09, 2015, 03:51:46 PM
Just got a quote for a 19 year old male for $70/mo. Only problem is, said male resides in NY and quote is in South Dakota. Should aforementioned bargain hunter not wanting to pay $400/month accept the offer, or do the responsible thing and run the other way? (The person registering the car, a businessman in SD, is charging $250 for the registration.)
Title: Re: Car Insurance Master Thread
Post by: Achas Veachas on June 09, 2015, 04:10:16 PM
Just got a quote for a 19 year old male for $70/mo. Only problem is, said male resides in NY and quote is in South Dakota. Should aforementioned bargain hunter not wanting to pay $400/month accept the offer, or do the responsible thing and run the other way? (The person registering the car, a businessman in SD, is charging $250 for the registration.)

I would run the other way. Insurance companies don't enjoy paying out money and if he ever has to file a claim it won't take them long to find out he never visited SD in his life...
Title: Re: Car Insurance Master Thread
Post by: David Smith on June 09, 2015, 04:19:14 PM
How would they prove that?
Title: Re: Car Insurance Master Thread
Post by: Achas Veachas on June 09, 2015, 04:20:07 PM
How would they prove that?
Has your 19 year old male ever lived in SD? How would he prove it?
Title: Re: Car Insurance Master Thread
Post by: insider on June 09, 2015, 04:20:23 PM
How would they prove that?
Bank statements, bills
Title: Re: Car Insurance Master Thread
Post by: Lou Bob on June 09, 2015, 06:36:35 PM
How would they prove that?
before they'll give $ away, they'll research why the car was in NY if it was registered in SD.
Don't bother. Pay the real rate. Don't play games.
Title: Re: Car Insurance Master Thread
Post by: Achas Veachas on June 09, 2015, 08:17:58 PM
before they'll give $ away, they'll research why the car was in NY if it was registered in SD.
Don't bother. Pay the real rate. Don't play games.
+1
A few dollars extra are a lot cheaper than what he'll pay for insurance fraud.
Title: Re: Car Insurance Master Thread
Post by: semper fi on June 09, 2015, 10:51:20 PM
+1
A few dollars extra are a lot cheaper than what he'll pay for insurance fraud.
+1 On top of the prison time for a federal crime.
Title: Re: Car Insurance Master Thread
Post by: YSP on June 10, 2015, 12:43:03 PM
Does car insurance quote make a hard credit pull? I received the following email from  geico:

"Federal Fair Credit Reporting Act Disclosure Notice

Thank you for contacting GEICO for a rate quote.

The price we are quoting you is based in part on information provided to us by the consumer reporting agency listed below.

We are sending you this notice, as required by the Fair Credit Reporting Act, because you received a higher price based on your credit information. However, you may contact us for additional consideration if the credit information used is a result of an extraordinary life circumstance.

The consumer reporting agency provided the following description of the credit factors that had the most influence on the price we quoted you:
-Insufficient number of installment loans (-)

-Too many inquiries in past 24 months (-)
...
"

It is a soft pull
Title: Re: Car Insurance Master Thread
Post by: freddy on June 10, 2015, 07:33:42 PM
If I live at a different address (a yeshiva) but in the same city as my parents do I need to be added to their plan?
Title: Re: Car Insurance Master Thread
Post by: freddy on June 11, 2015, 04:16:29 PM
If I live at a different address (a yeshiva) but in the same city as my parents do I need to be added to their plan?
BUMP
Title: Re: Car Insurance Master Thread
Post by: YSP on June 18, 2015, 12:32:57 PM
BUMP
Yes, Since you have regular access to the vehicle
Title: Re: Car Insurance Master Thread
Post by: freddy on June 18, 2015, 07:47:08 PM
Yes, Since you have regular access to the vehicle
If I'm pulled over will I get in trouble? Basically how do they know if I drive it often?
Title: Re: Car Insurance Master Thread
Post by: Lou Bob on June 19, 2015, 12:42:53 PM
If I'm pulled over will I get in trouble? Basically how do they know if I drive it often?
the bigger question you have to ask yourself is- if cv you get in a crash, what kind of headache would you like? Being insured vs (possibly) uninsured.

Don't play shtick with insurance.
Title: Re: Car Insurance Master Thread
Post by: skyguy918 on June 19, 2015, 01:09:53 PM
the bigger question you have to ask yourself is- if cv you get in a crash, what kind of headache would you like? Being insured vs (possibly) uninsured.

Don't play shtick with insurance.
How would you be uninsured? They'd have to void the whole policy. Otherwise you're covered the same way your friend is covered if you lend you car.

I agree with your point in general, but you'll hear it both ways on this particular issue from people who actually work in auto insurance.
Title: Re: Car Insurance Master Thread
Post by: myb821 on June 19, 2015, 01:22:56 PM
How would you be uninsured? They'd have to void the whole policy. Otherwise you're covered the same way your friend is covered if you lend you car.

I agree with your point in general, but you'll hear it both ways on this particular issue from people who actually work in auto insurance.
Really? I havent read a car insurance policy in a while but I could see it as being bases for not being covered. Also usually adding a driver is not a huge cost unless you have terrible driving history so it might just be worth it to avoid any headache.
Title: Re: Car Insurance Master Thread
Post by: skyguy918 on June 19, 2015, 01:36:03 PM
Really? I havent read a car insurance policy in a while but I could see it as being bases for not being covered. Also usually adding a driver is not a huge cost unless you have terrible driving history so it might just be worth it to avoid any headache.
Absolutely. My parents were basically told by their broker not to put the kids on the policies.

I did a little googling and found this:
Quote from: http://codes.lp.findlaw.com/nycode/ISC/31/3105
(b) No misrepresentation shall avoid any contract of insurance or defeat recovery thereunder unless such misrepresentation was material. No misrepresentation shall be deemed material unless knowledge by the insurer of the facts misrepresented would have led to a refusal by the insurer to make such contract.
If you had added the kid when you purchased the policy, they would've issued the policy, albeit at a higher rate. Therefore, they can't void the policy retroactively (the part about issuing at a higher premium not qualifying for material misrepresentation comes from here (http://www.dfs.ny.gov/insurance/ogco2006/rg061211.htm) - search premium on the page to find the relevant portion).

Full disclosure: I actually found that bit in a thread from some law forum where the OP did have his claim denied and/or policy voided because of this type of issue, but the lawyers on the thread ended up pointing out that the insurer is not allowed to do that. No word in the thread of what ended up happening with the claim.
Title: Re: Car Insurance Master Thread
Post by: yuneeq on June 19, 2015, 01:37:44 PM
How would you be uninsured? They'd have to void the whole policy. Otherwise you're covered the same way your friend is covered if you lend you car.

I agree with your point in general, but you'll hear it both ways on this particular issue from people who actually work in auto insurance.

If your child is in school within 100 miles they need to be added to the insurance plan.
It's not like a friend borrowing your car for a bit.
Title: Re: Car Insurance Master Thread
Post by: skyguy918 on June 19, 2015, 01:39:43 PM
If your child is in school within 100 miles they need to be added to the insurance plan.
It's not like a friend borrowing your car for a bit.
I didn't say you shouldn't add them. The insurer certainly wants you to. But they won't necessarily be able to deny your claim or void your policy due to the fact that you didn't add your kid.
Title: Re: Car Insurance Master Thread
Post by: myb821 on June 19, 2015, 01:40:42 PM
Absolutely. My parents were basically told by their broker not to put the kids on the policies.

I did a little googling and found this:If you had added the kid when you purchased the policy, they would've issued the policy, albeit at a higher rate. Therefore, they can't void the policy retroactively (the part about issuing at a higher premium not qualifying for material misrepresentation comes from here (http://www.dfs.ny.gov/insurance/ogco2006/rg061211.htm) - search premium on the page to find the relevant portion).

Full disclosure: I actually found that bit in a thread from some law forum where the OP did have his claim denied and/or policy voided because of this type of issue, but the lawyers on the thread ended up pointing out that the insurer is not allowed to do that. No word in the thread of what ended up happening with the claim.
Thanks for pointing that out interesting read.
Title: Re: Car Insurance Master Thread
Post by: yuneeq on June 19, 2015, 01:41:12 PM
Absolutely. My parents were basically told by their broker not to put the kids on the policies.

I did a little googling and found this:If you had added the kid when you purchased the policy, they would've issued the policy, albeit at a higher rate. Therefore, they can't void the policy retroactively (the part about issuing at a higher premium not qualifying for material misrepresentation comes from here (http://www.dfs.ny.gov/insurance/ogco2006/rg061211.htm) - search premium on the page to find the relevant portion).

Full disclosure: I actually found that bit in a thread from some law forum where the OP did have his claim denied and/or policy voided because of this type of issue, but the lawyers on the thread ended up pointing out that the insurer is not allowed to do that. No word in the thread of what ended up happening with the claim.

If so you'd be able to live in NY and register your car in Florida, and have your policy cover you.
This is not what happens in reality. Shouldn't be any different with a kid.
Title: Re: Car Insurance Master Thread
Post by: myb821 on June 19, 2015, 01:52:02 PM
If so you'd be able to live in NY and register your car in Florida, and have your policy cover you.
This is not what happens in reality. Shouldn't be any different with a kid.
very different.
Title: Re: Car Insurance Master Thread
Post by: myb821 on June 19, 2015, 01:52:21 PM
If so you'd be able to live in NY and register your car in Florida, and have your policy cover you.
This is not what happens in reality. Shouldn't be any different with a kid.
If i may ask what is your insurance background?
Title: Re: Car Insurance Master Thread
Post by: skyguy918 on June 19, 2015, 02:00:38 PM
If so you'd be able to live in NY and register your car in Florida, and have your policy cover you.
This is not what happens in reality. Shouldn't be any different with a kid.
Lol, people do that too.

Anyway, I'm not arguing about right/wrong here (I like to think that when I have this nisayon I'll just add the kid and pay the price - but who knows). I'm just informing you of the facts. And that is that I've heard multiple insurance people (usually brokers, who are not tied to a particular company) say not to put your kid on the insurance, even if they're the primary driver on one of the vehicles. That may be due to the law I mentioned earlier, which seems to indicate that the insurer can't retroactively void your coverage in order to deny your claim, just because you didn't add the kid where you should have.
Title: Re: Car Insurance Master Thread
Post by: yuneeq on June 19, 2015, 02:28:20 PM
If i may ask what is your insurance background?

The same as the guy I was disagreeing with. (It seems like you also disagree). 

Lol, people do that too.

Anyway, I'm not arguing about right/wrong here (I like to think that when I have this nisayon I'll just add the kid and pay the price - but who knows). I'm just informing you of the facts. And that is that I've heard multiple insurance people (usually brokers, who are not tied to a particular company) say not to put your kid on the insurance, even if they're the primary driver on one of the vehicles. That may be due to the law I mentioned earlier, which seems to indicate that the insurer can't retroactively void your coverage in order to deny your claim, just because you didn't add the kid where you should have.
Title: Re: Car Insurance Master Thread
Post by: myb821 on June 19, 2015, 03:12:29 PM
The same as the guy I was disagreeing with. (It seems like you also disagree).
your an actuary?
Title: Re: Car Insurance Master Thread
Post by: SrulyP on June 25, 2015, 12:28:46 PM
I am moving to 5 towns and trying to figure out the cheapest car insurance options out there. 2 cars and 2 drivers. I am getting about $450 quote per month from geico. Can I get cheaper?
Any suggestions.
Title: Re: Car Insurance Master Thread
Post by: zlt123 on June 25, 2015, 01:37:02 PM
Is leasing like a rantel that you cant let anyone drive it if they are not on your lease/insurance ?
Title: Re: Car Insurance Master Thread
Post by: myb821 on June 25, 2015, 01:59:09 PM
I am moving to 5 towns and trying to figure out the cheapest car insurance options out there. 2 cars and 2 drivers. I am getting about $450 quote per month from geico. Can I get cheaper?
Any suggestions.
450/month???? do u have major accidents or tickets on your record?
Title: Re: Car Insurance Master Thread
Post by: SrulyP on June 25, 2015, 01:59:26 PM
Don't think so
Title: Re: Car Insurance Master Thread
Post by: semper fi on June 25, 2015, 05:17:25 PM
Is leasing like a rantel that you cant let anyone drive it if they are not on your lease/insurance ?
No, its not like a rental.
Title: Re: Car Insurance Master Thread
Post by: semper fi on June 25, 2015, 05:31:30 PM
I am moving to 5 towns and trying to figure out the cheapest car insurance options out there. 2 cars and 2 drivers. I am getting about $450 quote per month from geico. Can I get cheaper?
Any suggestions.
Did you try the heimish brokers ?
Title: Re: Car Insurance Master Thread
Post by: DMYD on June 25, 2015, 05:33:08 PM
Don't think so
Wow that's expensive! How's your credit score?
Title: Re: Car Insurance Master Thread
Post by: lifetimedeals on June 25, 2015, 05:56:54 PM
Can anyone give me an idea what would it cost full coverage in NY on a minivan? thanks.
Title: Re: Car Insurance Master Thread
Post by: semper fi on June 25, 2015, 07:05:54 PM
Can anyone give me an idea what would it cost full coverage in NY on a minivan? thanks.
Not possible way to many variables.
For starters go to geico.com and plug in all relevant information, see what it spits out.
Title: Re: Car Insurance Master Thread
Post by: Tuna Baygel on June 29, 2015, 07:27:20 PM
I am moving to 5 towns and trying to figure out the cheapest car insurance options out there. 2 cars and 2 drivers. I am getting about $450 quote per month from geico. Can I get cheaper?
Any suggestions.
I live in Brooklyn and I am paying $406 a month with Geico to insure a 2015 and 2013 full size cars with two drivers
Title: Re: Car Insurance Master Thread
Post by: YSP on June 30, 2015, 11:16:13 AM
Is leasing like a rantel that you cant let anyone drive it if they are not on your lease/insurance ?

Most insurance companies will let you lend the car to whomever you'd like. When you lend them your car you're lending them your insurance though so keep in mind your rates can go up if they get into an accident
Title: Re: Car Insurance Master Thread
Post by: Shmelly on July 01, 2015, 12:09:22 PM
I am moving to 5 towns and trying to figure out the cheapest car insurance options out there. 2 cars and 2 drivers. I am getting about $450 quote per month from geico. Can I get cheaper?
Any suggestions.
I live in Brooklyn, 2 leased cars and 2 drivers, and my Geico insurance just went up from $200/mo to $280/mo last week due to an accident my wife had last year. There's either something wrong or you have very expensive cars. (I have a '15 Altima and a '14 Pathfinder.)
Title: Re: Car Insurance Master Thread
Post by: myb821 on July 01, 2015, 12:27:18 PM
I live in Brooklyn, 2 leased cars and 2 drivers, and my Geico insurance just went up from $200/mo to $280/mo last week due to an accident my wife had last year. There's either something wrong or you have very expensive cars. (I have a '15 Altima and a '14 Pathfinder.)
+1 maybe he means per 6 months and not per month
Title: Re: Car Insurance Master Thread
Post by: momo on July 01, 2015, 01:44:33 PM
no he probably means per month. i just switched from Geico to Progressive. Geico was charging me 2200 for 6 months for 1 car, i am now paying 1600 for 6 months for 2 cars.
Title: Re: Car Insurance Master Thread
Post by: avrumy22 on July 08, 2015, 01:20:47 PM
I just saved 50% on my insurance by switching to geico. no jokes.

if anyone wants to save 8% on your policy, heres what you can do. geico gives discounts to certain orgs.

https://www.geico.com/information/discounts/organization-member/recreational-organizations/

become a member on this page for $27. then call up and add it to your account. simple and easy. took me 5 minutes.

https://www.njsga.org/membershiphome/join-become-a-member/join-now/
Title: Re: Car Insurance Master Thread
Post by: DMYD on July 08, 2015, 04:50:26 PM
I just saved 50% on my insurance by switching to geico. no jokes.

if anyone wants to save 8% on your policy, heres what you can do. geico gives discounts to certain orgs.

https://www.geico.com/information/discounts/organization-member/recreational-organizations/

become a member on this page for $27. then call up and add it to your account. simple and easy. took me 5 minutes.

https://www.njsga.org/membershiphome/join-become-a-member/join-now/
So you didn't switch to Geico you just added it to your policy. I guess you can switch to Geico and become a member.
Title: Re: Car Insurance Master Thread
Post by: avrumy22 on July 08, 2015, 04:56:28 PM
So you didn't switch to Geico you just added it to your policy. I guess you can switch to Geico and become a member.

I switched to geico today and I am paying 50% of what i paid before. that has nothing to do with this, just a random fact I wanted to share.

The 8% can be added to any current account.
Title: Re: Car Insurance Master Thread
Post by: DMYD on July 08, 2015, 05:03:23 PM
I switched to geico today and I am paying 50% of what i paid before. that has nothing to do with this, just a random fact I wanted to share.

The 8% can be added to any current account.
From what to what? And did you have any driving violations or accidents? 
Title: Re: Car Insurance Master Thread
Post by: yuneeq on July 08, 2015, 05:32:42 PM
Anyone have a few good brokers they can share either here or pm?
My geico rate is continually getting raised while my driving history is getting better.
Title: Re: Car Insurance Master Thread
Post by: 12HRS on July 08, 2015, 09:41:42 PM
Anyone have a few good brokers they can share either here or pm?
My geico rate is continually getting raised while my driving history is getting better.

raised by how much? mine goes up ~5 dollars every 6 months
Title: Re: Car Insurance Master Thread
Post by: yuneeq on July 08, 2015, 10:35:01 PM
raised by how much? mine goes up ~5 dollars every 6 months

About $50 every 6 months
Title: Re: Car Insurance Master Thread
Post by: dovy2 on July 09, 2015, 08:13:00 AM
About $50 every 6 months
Same by me. Thing is, Geico gave me originally such a cheap deal, that anyone else's quotes are over 500 more, so I gotta stick with them
Title: Re: Car Insurance Master Thread
Post by: Shmulie on July 09, 2015, 09:45:42 AM
I just saved 50% on my insurance by switching to geico. no jokes.

if anyone wants to save 8% on your policy, heres what you can do. geico gives discounts to certain orgs.

https://www.geico.com/information/discounts/organization-member/recreational-organizations/

become a member on this page for $27. then call up and add it to your account. simple and easy. took me 5 minutes.

https://www.njsga.org/membershiphome/join-become-a-member/join-now/
does this work if you live in ny?
Title: Re: Car Insurance Master Thread
Post by: avrumy22 on July 09, 2015, 10:46:28 AM
does this work if you live in ny?

why not? you can still be part of the NJ Golfing association  8)
Title: Re: Car Insurance Master Thread
Post by: avrumy22 on July 09, 2015, 11:16:43 AM
I just saved 50% on my insurance by switching to geico. no jokes.

if anyone wants to save 8% on your policy, heres what you can do. geico gives discounts to certain orgs.

https://www.geico.com/information/discounts/organization-member/recreational-organizations/

become a member on this page for $27. then call up and add it to your account. simple and easy. took me 5 minutes.

https://www.njsga.org/membershiphome/join-become-a-member/join-now/

update: a friend of mine did this and geico refused to give him the discount saying that he already has a good rate. also, you can become a member of this org for free instead of the one listed above. naaee.net
Title: Re: Car Insurance Master Thread
Post by: Dr Moose on July 09, 2015, 11:28:25 AM


I just saved 50% on my insurance by switching to geico. no jokes.
You heard the advertisements wrong, It's 15% not 50%
Title: Re: Car Insurance Master Thread
Post by: AJK on July 09, 2015, 12:15:30 PM
I just saved 50% on my insurance by switching to geico. no jokes.

if anyone wants to save 8% on your policy, heres what you can do. geico gives discounts to certain orgs.

https://www.geico.com/information/discounts/organization-member/recreational-organizations/

become a member on this page for $27. then call up and add it to your account. simple and easy. took me 5 minutes.

https://www.njsga.org/membershiphome/join-become-a-member/join-now/

+1

I went from a broker-sold policy to Geico last month and saved like 40%.

Crazy.
Title: Re: Car Insurance Master Thread
Post by: avrumy22 on July 09, 2015, 12:40:03 PM
+1

I went from a broker-sold policy to Geico last month and saved like 40%.

Crazy.
now you can try for another 8%  :P
You heard the advertisements wrong, It's 15% not 50%

that number is totally made up IMHO. I think its just for the jingle. Proof is that they dont ask you to know what you are currently paying so they can try and offer you 15% off.
Title: Re: Car Insurance Master Thread
Post by: yuneeq on July 09, 2015, 03:50:57 PM
+1

I went from a broker-sold policy to Geico last month and saved like 40%.

Crazy.

And I just saved 23% by switching FROM Geico to a broker.
I also had every Geico discount possible, including BRK.
Title: Re: Car Insurance Master Thread
Post by: Ydad on July 09, 2015, 04:09:05 PM
IME Geico is only cheap if you have nothing on your license.
Title: Re: Car Insurance Master Thread
Post by: Dr Moose on July 09, 2015, 04:24:17 PM
IME Geico is only cheap if you have nothing on your license.
I had 2 tickets on my license and Geico was significantly cheaper.
Title: Re: Car Insurance Master Thread
Post by: yuneeq on July 09, 2015, 04:31:39 PM
IME Geico is only cheap if you have nothing on your license.

I have nothing on my license and my rate kept going up even as I passed the supposed magical age of 25.
Title: Re: Car Insurance Master Thread
Post by: Ydad on July 09, 2015, 04:32:51 PM
OK I stand corrected.
Title: Re: Car Insurance Master Thread
Post by: ariIs on July 09, 2015, 05:02:49 PM
I have nothing on my license and my rate kept going up even as I passed the supposed magical age of 25.

Try a new quote with them online without giving your social. Sometimes they price it cheaper for new customers. Then you'll just have to explain to the agent that you already have a policy, and they can adjust your current one.

Also if you take a defensive driving course (even online) they're required to knock off 10% from your liability (in NY).
Title: Re: Car Insurance Master Thread
Post by: momo on July 09, 2015, 05:54:16 PM
And I just saved 23% by switching FROM Geico to a broker.
I also had every Geico discount possible, including BRK.
Was paying 2200 for 6 Months with Geico for 1 car, when i got a second car i got a quote for 3000 for 6 months. They refused to budge. Called progressive, am now paying 1680 for 2 cars, for 6 months.
Title: Re: Car Insurance Master Thread
Post by: semper fi on July 09, 2015, 07:51:15 PM
And I just saved 23% by switching FROM Geico to a broker.
I also had every Geico discount possible, including BRK.
Did you give credit to where you found the broker ?
Title: Re: Car Insurance Master Thread
Post by: yuneeq on July 09, 2015, 08:02:29 PM
Did you give credit to where you found the broker ?

Lol this guy here ^^^^
Title: Re: Car Insurance Master Thread
Post by: rivkao on July 23, 2015, 05:27:10 PM
Is 1k a good price for a 6 month policy in NYC?
Title: Re: Car Insurance Master Thread
Post by: zevi on July 23, 2015, 06:23:50 PM

Is 1k a good price for a 6 month policy in NYC?
depends on your driving history and other factors, but generally speaking I think yes, well I'm paying more. 
Title: Re: Car Insurance Master Thread
Post by: KidOOO on July 24, 2015, 01:34:57 AM
And I just saved 23% by switching FROM Geico to a broker.
I also had every Geico discount possible, including BRK.

What's brk
Title: Re: Car Insurance Master Thread
Post by: 12HRS on July 24, 2015, 06:54:06 AM
What's brk

owning brk.a/b stock discount
Title: Re: Car Insurance Master Thread
Post by: semper fi on July 24, 2015, 08:35:26 AM
What's brk
Berkshire Hathaway they own Geico.
Title: Re: Car Insurance Master Thread
Post by: KidOOO on July 24, 2015, 06:13:39 PM
owning brk.a/b stock discount

SO you can buy one stock and get it? how much of a discount
Title: Re: Car Insurance Master Thread
Post by: semper fi on July 24, 2015, 07:27:55 PM
SO you can buy one stock and get it? how much of a discount
Yes. I think it's 5% or something close.
Title: Re: Car Insurance Master Thread
Post by: 12HRS on July 25, 2015, 11:04:23 PM
SO you can buy one stock and get it? how much of a discount

depends on the state nyc I'm saving i think 1%, but i don't mind holding 1 share.
Title: Re: Car Insurance Master Thread
Post by: dovy2 on July 25, 2015, 11:23:21 PM
What's the simplest / cheapest way to buy a share?
Title: Re: Car Insurance Master Thread
Post by: 12HRS on July 25, 2015, 11:39:35 PM
What's the simplest / cheapest way to buy a share?

prob robinhood app
Title: Re: Car Insurance Master Thread
Post by: yuneeq on July 26, 2015, 12:59:12 AM
SO you can buy one stock and get it? how much of a discount

Even one share.
Discount varies by state.
8% in NJ

Use robin hood or loyal3.
Title: Re: Car Insurance Master Thread
Post by: KidOOO on July 26, 2015, 04:44:21 PM
also, you can become a member of this org for free instead of the one listed above. naaee.net

it's not free, after you register online you need to buy a membership, lowest is $8
Title: Re: Car Insurance Master Thread
Post by: dovy2 on July 26, 2015, 08:05:15 PM
it's not free, after you register online you need to buy a membership, lowest is $8
is that meant to be 80 or 8?
Title: Re: Car Insurance Master Thread
Post by: coralsnake on July 26, 2015, 08:27:25 PM
And I just saved 23% by switching FROM Geico to a broker.
I also had every Geico discount possible, including BRK.
Brk.b stockholders get a discount on Geico??

Looks like I need to make a phonecall...
Title: Re: Car Insurance Master Thread
Post by: coralsnake on July 26, 2015, 08:41:06 PM
Looks like I get the same discount because of my affiliation with a professional organization and they wont let me double-dip  :-\
Title: Re: Car Insurance Master Thread
Post by: whacked1 on July 26, 2015, 09:52:34 PM
Brk.b stockholders get a discount on Geico??

Looks like I need to make a phonecall...
Depending on your policy, your savings might not be that large. Mine was only $13 per year!!
Title: Re: Car Insurance Master Thread
Post by: yuneeq on July 26, 2015, 10:48:12 PM
Brk.b stockholders get a discount on Geico??


Look up

Even one share.
Discount varies by state.
8% in NJ

Use robin hood or loyal3.
Title: Re: Car Insurance Master Thread
Post by: AnonymousUser on July 26, 2015, 10:53:54 PM
Look up
I had .999 shares and i got the discount.
Title: Re: Car Insurance Master Thread
Post by: KidOOO on July 27, 2015, 05:07:03 PM
is that meant to be 80 or 8?

$8
Title: Re: Car Insurance Master Thread
Post by: dovy2 on July 27, 2015, 05:07:54 PM
$8
Where do you see that option? On the form the cheapest is 17 and that's for Mexicans
Title: Re: Car Insurance Master Thread
Post by: KidOOO on July 27, 2015, 07:50:07 PM
Where do you see that option? On the form the cheapest is 17 and that's for Mexicans
Which org are you referring to
Title: Re: Car Insurance Master Thread
Post by: samzyr on July 27, 2015, 08:59:43 PM
If I had an accident is it worth switching car ins before the full claim get processed. or better to stick with the insurance company I have currently and premiums might go up?
Title: Re: Car Insurance Master Thread
Post by: Ydad on July 27, 2015, 09:50:28 PM
If I had an accident is it worth switching car ins before the full claim get processed. or better to stick with the insurance company I have currently and premiums might go up?
Just so you  know, your premiums on your current plan won't go up till renewal. So you could wait it out till then and then go shopping.
Title: Re: Car Insurance Master Thread
Post by: samzyr on July 28, 2015, 08:11:06 PM
I have 6 weeks left. Rather lock up 6 months.
Title: Re: Car Insurance Master Thread
Post by: 12HRS on July 28, 2015, 08:22:29 PM
6 weeks u should be getting a bill any day now. If the claim isn't fully processed it may be worth seeing what you're bill is going to be
Title: Re: Car Insurance Master Thread
Post by: emak on August 17, 2015, 08:18:31 PM
Can someone clarify? If I buy BH stock, I can get a discount on my current rate with Geico? Does it need to be a full stock, or $10 via Loyal3 works? And I get an email receipt that I would fwd to Geico?
Title: Re: Car Insurance Master Thread
Post by: alpicone on August 17, 2015, 08:47:22 PM
You can only get up to x% off with affiliations including BH stock. If you have any other such discounts it will reduce the discount you will get if any.

1 share should work. I don't think they ever asked me for proof or a statement. 
Title: Re: Car Insurance Master Thread
Post by: gavhaller on August 25, 2015, 10:39:21 AM
What's the deal with auto insurers requesting info about previous carriers?
Do they ever ask for this info in writing?
Title: Re: Car Insurance Master Thread
Post by: YSP on August 25, 2015, 11:00:50 AM
What's the deal with auto insurers requesting info about previous carriers?
Do they ever ask for this info in writing?
The more carriers you've been with the less of a discount you get. If they see you jump around every 6 months then they are less likely to extend you discounts since you'll leave them in 6 months anyway. They do have a record of your previous carriers. it's in your insurance history report so won't help to fudge it.
Title: Re: Car Insurance Master Thread
Post by: gavhaller on August 25, 2015, 11:02:53 AM
The more carriers you've been with the less of a discount you get. If they see you jump around every 6 months then they are less likely to extend you discounts since you'll leave them in 6 months anyway. They do have a record of your previous carriers. it's in your insurance history report so won't help to fudge it.

Well I wasn't insured on somebody's policy, but I put their company down- as I occasionally drove their car, and signed all the documents, and the policy has been activated.
So now what?
Title: Re: Car Insurance Master Thread
Post by: YSP on August 25, 2015, 02:16:10 PM
Well I wasn't insured on somebody's policy, but I put their company down- as I occasionally drove their car, and signed all the documents, and the policy has been activated.
So now what?

Oh oh I didn't realize what you were asking before. If they are asking for proof of previous insurance and you don't have documentation then they will either cancel the policy because you are ineligible or raise the rate significantly.
Title: Re: Car Insurance Master Thread
Post by: gavhaller on August 25, 2015, 02:43:24 PM
Oh oh I didn't realize what you were asking before. If they are asking for proof of previous insurance and you don't have documentation then they will either cancel the policy because you are ineligible or raise the rate significantly.

But once the documents are signed, they aren't going to ask for previous proof (liberty mutual)?
They haven't yet.
Title: Re: Car Insurance Master Thread
Post by: YSP on August 25, 2015, 02:56:41 PM
But once the documents are signed, they aren't going to ask for previous proof (liberty mutual)?
They haven't yet.

They will. if they don't luck you
Title: Re: Car Insurance Master Thread
Post by: gavhaller on August 25, 2015, 02:59:36 PM
Now if I had my own policy 4 months ago, does that matter?
My lease ended and was looking for a new car in the interim.
Title: Re: Car Insurance Master Thread
Post by: NI on August 27, 2015, 08:30:04 AM
update: a friend of mine did this and geico refused to give him the discount saying that he already has a good rate. also, you can become a member of this org for free instead of the one listed above. naaee.net
Can someone direct me to getting naaee.net membership free? I joined their site, but it doesn't seem that counts as membership. Thanks!
Title: Re: Car Insurance Master Thread
Post by: Sam Finkelstein on August 29, 2015, 10:03:24 PM
Where can a 40 y/o woman and her 19 y/o son get the best quote?

Have had to enter the father's info on several applications. While he holds a valid license, he doesn't drive.
Title: Re: Car Insurance Master Thread
Post by: sguitarist18 on August 30, 2015, 08:43:33 AM
Where can a 40 y/o woman and her 19 y/o son get the best quote?

Have had to enter the father's info on several applications. While he holds a valid license, he doesn't drive.

Not sure if that's a bad thing...might be better if there are more older drivers.
Title: Re: Car Insurance Master Thread
Post by: googwallet on October 03, 2015, 11:40:32 PM
My policy just got renewed and my premium was lowered from $450 to $366 for the 6 month period. It could be because I recently turned 25, but I think it's pretty cool and I wasn't expecting for it to be lowered based on what people have reported here from when they turned 25.

I live in Monsey and the car only has liability coverage, so it's not that crazy of a deal, but pretty good for NY nonetheless.
Title: Re: Car Insurance Master Thread
Post by: sguitarist18 on October 04, 2015, 05:50:29 PM
How long have you been driving for?
Title: Re: Car Insurance Master Thread
Post by: googwallet on October 04, 2015, 05:52:13 PM
How long have you been driving for?
Since 2010
Title: Re: Car Insurance Master Thread
Post by: Adam101 on October 07, 2015, 12:16:11 PM
I live in the midwest but go to school in New Jersey most of the year. Would like to buy a car today. What are my best options? The one that I was ready to go with requires proof that I live in New Jersey which I don't have
Title: Re: Car Insurance Master Thread
Post by: MosheD on October 07, 2015, 12:23:12 PM
I live in the midwest but go to school in New Jersey most of the year. Would like to buy a car today. What are my best options? The one that I was ready to go with requires proof that I live in New Jersey which I don't have
Same sitch.
What constitutes proof? Can't that hard to get, I don't really have proof that I live in Midwest either ubless cc statement counts
Title: Re: Car Insurance Master Thread
Post by: Adam101 on October 07, 2015, 12:29:50 PM
Same sitch.
What constitutes proof? Can't that hard to get, I don't really have proof that I live in Midwest either ubless cc statement counts
Pay stubs utility bill. .. i live in dorm...
Title: Re: Car Insurance Master Thread
Post by: MosheD on October 07, 2015, 12:30:19 PM
Pay stubs utility bill. .. i live in dorm...
Got a relative?
Title: Re: Car Insurance Master Thread
Post by: Dr Moose on October 07, 2015, 12:38:31 PM
I live in the midwest but go to school in New Jersey most of the year. Would like to buy a car today. What are my best options? The one that I was ready to go with requires proof that I live in New Jersey which I don't have
Why not register your car in the midwest state that you live in? Chances are you'll be paying cheaper insurance.
Title: Re: Car Insurance Master Thread
Post by: Adam101 on October 07, 2015, 12:39:03 PM
Why not register your car in the midwest state that you live in? Chances are you'll be paying cheaper insurance.
I have been on the phone all morning with different insurance is and I just found out that I'm able to do that. Everyone said no except for some small place down the street for me
Title: Re: Car Insurance Master Thread
Post by: Adam101 on October 07, 2015, 12:40:35 PM
And lucky me my state happens to have the highest auto insurance in the country. For good reason but still...
Title: Re: Car Insurance Master Thread
Post by: Dr Moose on October 07, 2015, 01:06:04 PM
I have been on the phone all morning with different insurance is and I just found out that I'm able to do that. Everyone said no except for some small place down the street for me
Well you don't tell them you're currently located in NJ most of the year ...
Title: Re: Car Insurance Master Thread
Post by: Adam101 on October 07, 2015, 01:06:42 PM
Well you don't tell them you're currently located in NJ most of the year ...
-1 alot of insurances won't cover our if state.  Crazy.
Title: Re: Car Insurance Master Thread
Post by: semper fi on October 07, 2015, 07:00:50 PM
A letter from your school won't work ?
Title: Re: Car Insurance Master Thread
Post by: ckmk47 on October 11, 2015, 05:02:40 AM
Would a bank statement with an address at your school location help?
My insurance listed that as a valid proof that my son was living in a different state than me, so I don't have him included in my insurance as a driver.
Title: Re: Car Insurance Master Thread
Post by: mgarfin on October 11, 2015, 12:11:42 PM
Any reliable car insurance quote/comparison site?
Or do I need to go to all big insurers sites?
And how do I make sure I'm comparing apples to apples?
I'm asking as I once tried as site from Google and was hit with calls from agent's.
Title: Re: Car Insurance Master Thread
Post by: Joe4007 on November 30, 2015, 12:34:46 PM
I got a "certification of automobile repairs" form that the insurance company is asking to be filled out and signed off by the repair shop. Anyone have more info on this? What would happen if I just ignore it?
Title: Re: Car Insurance Master Thread
Post by: bubkiz on November 30, 2015, 01:34:55 PM
They randomly sent that to you?
Title: Re: Car Insurance Master Thread
Post by: Joe4007 on November 30, 2015, 01:46:24 PM
They randomly sent that to you?
No. It was sent together with payment for a claim/repairs...
Title: Re: Car Insurance Master Thread
Post by: bubkiz on December 09, 2015, 12:06:18 PM

Have a large crack on my windshield. Will filing a glass claim with Geico raise my premiums?
Title: Re: Car Insurance Master Thread
Post by: YSP on December 09, 2015, 12:40:53 PM
Have a large crack on my windshield. Will filing a glass claim with Geico raise my premiums?

No
Title: Re: Car Insurance Master Thread
Post by: bubkiz on December 15, 2015, 12:13:33 PM
Have a clean record and paying $950 per year with Geico for 2 cars.

Scraped a parked car and have guy got a $1300 estimate.

Should I go through insurance or pay of of pocket?
Title: Re: Car Insurance Master Thread
Post by: Venilla on December 16, 2015, 07:37:33 AM
Have a clean record and paying $950 per year with Geico for 2 cars.

Scraped a parked car and have guy got a $1300 estimate.

Should I go through insurance or pay of of pocket?
Is $1,300 an estimate for out of pocket cash or for the insurance company? There should be a big difference in price.
Title: Re: Car Insurance Master Thread
Post by: dealvr on December 29, 2015, 09:34:06 PM
I remember hearing somewhere that Geico limits you to 2 cars under one driver per policy.  Can anyone confirm that?
Title: Re: Car Insurance Master Thread
Post by: bubkiz on December 31, 2015, 01:27:09 PM
Is $1,300 an estimate for out of pocket cash or for the insurance company? There should be a big difference in price.

I ended but negotiated it down to $1000 and done with that.

Title: Re: Car Insurance Master Thread
Post by: Venilla on December 31, 2015, 01:33:32 PM
I ended but negotiated it down to $1000 and done with that.
What was the damage on the other car?
Title: Re: Car Insurance Master Thread
Post by: bubkiz on December 31, 2015, 01:34:19 PM
Next ordeal: DW rear-ended s/o today cracking his bumper. The fellow insisted on calling the cops who filed a police report. I went with him to his body shop and got an $1165 estimate (plus $50 for a rental.) (official place, no cash discounts, they did lower labor from $65/hr to $52/hr.) if he does not find any other damage when he takes off bumper.

Q: If a Police report is filed in NYS, will that automatically raise my rate?

We currently have Geico. Currently paying $935/yr for 2 cars. No moving violations, one fender-bender with $700 payout 4 yrs ago. Just renewed for another 6 months.

Is "accident forgiveness" real? How much do rates typically go up after an accident?

All advice greatly appreciated! TIA

Title: Re: Car Insurance Master Thread
Post by: bubkiz on December 31, 2015, 01:35:42 PM
What was the damage on the other car?
Dent on door but had to replace. I showed it to for shops, they all wanted $1000-$1400
Title: Re: Car Insurance Master Thread
Post by: Venilla on December 31, 2015, 01:37:50 PM
Dent on door but had to replace. I showed it to for shops, they all wanted $1000-$1400
Depending on what kind vehicle it was, it makes sense. $1165 for a bumper doesn't make sense. I had someone damage my bumper 3-4 months ago, I replaced it for $400.
Title: Re: Car Insurance Master Thread
Post by: Eliyohu on January 20, 2016, 12:07:25 AM
Anyone familiar with geico s discount for being a Berkshire Hathaway shareholder  (suppose i can post this in stocks) is it available for everyone or are some of they're discounts not...
P.s. we should start a geico master thread, don't know enough about this to create a wiki
Title: Re: Car Insurance Master Thread
Post by: googwallet on January 20, 2016, 01:13:36 AM
Anyone familiar with geico s discount for being a Berkshire Hathaway shareholder  (suppose i can post this in stocks) is it available for everyone or are some of they're discounts not...
P.s. we should start a geico master thread, don't know enough about this to create a wiki
http://forums.dansdeals.com/index.php?topic=1683.msg892182.msg#892182
Title: Re: Car Insurance Master Thread
Post by: NI on February 04, 2016, 09:13:59 PM
I am paying geico insurance brought my nose-the rates keep climbing! Currently paying $270 a month for a Hyundai Sonata 2014 leased living in Brooklyn...it's our first car but only 1 ticket on record. What can I do to lower it?!?!
Title: Re: Car Insurance Master Thread
Post by: whacked1 on February 04, 2016, 09:18:31 PM
I am paying geico insurance brought my nose-the rates keep climbing! Currently paying $270 a month for a Hyundai Sonata 2014 leased living in Brooklyn...it's our first car but only 1 ticket on record. What can I do to lower it?!?!
I'm paying 150 for Nissan rogue brooklyn!
Title: Re: Car Insurance Master Thread
Post by: NI on February 04, 2016, 11:04:33 PM
How?!?!
Title: Re: Car Insurance Master Thread
Post by: 4yourinfo on February 05, 2016, 07:58:16 AM
I am paying geico insurance brought my nose-the rates keep climbing! Currently paying $270 a month for a Hyundai Sonata 2014 leased living in Brooklyn...it's our first car but only 1 ticket on record. What can I do to lower it?!?!
FYI GEICO is not the only insurance out there, call an insurance agent who will go shopping for you.... Or look online for the many different companies Alstate, Century Farmers etc....
GEICO is good for those with clean records otherwise you can save 15% or more at many other companies!
Title: Re: Car Insurance Master Thread
Post by: mechayamom on February 23, 2016, 05:00:19 PM
Been on Metlife for many years...looking to compare to switch to other company.  Is GEICO still the cheapest?  Or any websites that do comparisons?
Thanks.
Title: Re: Car Insurance Master Thread
Post by: Dr Moose on February 23, 2016, 10:48:49 PM
Has anyone heard of "named non owner auto insurance" that can help me out?
Title: Re: Car Insurance Master Thread
Post by: YSP on February 24, 2016, 12:05:53 PM
Has anyone heard of "named non owner auto insurance" that can help me out?

sure. What's your question?
Title: Re: Car Insurance Master Thread
Post by: Dr Moose on February 24, 2016, 02:53:46 PM
sure. What's your question?
What can I expect to pay a month for this? Any company good for this, or any insurance company?

Anything I should know about it?
Title: Re: Car Insurance Master Thread
Post by: YSP on February 25, 2016, 09:26:15 AM
What can I expect to pay a month for this? Any company good for this, or any insurance company?

Anything I should know about it?

It's relatively cheap. I'm not sure that every company offers it.

Title: Re: Car Insurance Master Thread
Post by: mgarfin on February 25, 2016, 10:17:57 AM
FYI GEICO is not the only insurance out there, call an insurance agent who will go shopping for you.... Or look online for the many different companies Alstate, Century Farmers etc....
GEICO is good for those with clean records otherwise you can save 15% or more at many other companies!

When compairing companys you need to make sure your comparing apples to apples and for a lease you need the requiremants of minimum deductible and amount needed.
Title: Re: Car Insurance Master Thread
Post by: whacked1 on February 26, 2016, 05:15:37 PM
How?!?!
A lot depends on the car youre insuring, I was paying 225 for a civic for the exact same policy!
Title: Re: Car Insurance Master Thread
Post by: Dr Moose on March 02, 2016, 10:51:45 PM
It's relatively cheap. I'm not sure that every company offers it.
Any recommendations of which company to use? I ran a quote with Geico, and they were saying 819.60 for 6 months for me.
Title: Re: Car Insurance Master Thread
Post by: Venilla on March 02, 2016, 11:05:19 PM
Any recommendations of which company to use? I ran a quote with Geico, and they were saying 819.60 for 6 months for me.
Before checking your driving record... They always find a reason to raise the premium last minute.
Title: Re: Car Insurance Master Thread
Post by: yelped on March 03, 2016, 01:54:04 PM
Any recommendations of which company to use? I ran a quote with Geico, and they were saying 819.60 for 6 months for me.
Every company has a different rating system to assess risk, so every case is different. For example, I found a policy for $78 a month for a friend with Nationwide, while for me they were quoting $200 a month as opposed to $130 that pay with Liberty Mutual. So you should try running through quotes with every reputable insurer. Also, sometimes their agents have access to discounts that can make them very competitive. For example, when I first got insurance, everyone was quoting me $300 a month, and then a Liberty Mutual agent called to discuss the policy and managed to find enough discounts to bring it down to half.
Title: Re: Car Insurance Master Thread
Post by: etech0 on March 04, 2016, 07:49:59 AM
Before checking your driving record... They always find a reason to raise the premium last minute.
Mine went down at the last minute - after they checked my driving record
Title: Re: Car Insurance Master Thread
Post by: Thingywingy on March 14, 2016, 03:31:41 PM
I have had Geico for about a year. They just sent me a renewal, raising my rate about $200. I shopped around and found Liberty to be significantly cheaper than anyone else. Just wondering what their service is like? I remember last time I was shopping I found a cheaper rate with All State, but was told to stay away as they have terrible service when you file a claim.
Title: Re: Car Insurance Master Thread
Post by: yelped on March 14, 2016, 10:44:37 PM
I have had Geico for about a year. They just sent me a renewal, raising my rate about $200. I shopped around and found Liberty to be significantly cheaper than anyone else. Just wondering what their service is like? I remember last time I was shopping I found a cheaper rate with All State, but was told to stay away as they have terrible service when you file a claim.

I had a very good experience with them, very fast, and very helpful when filing a claim. Very nice reps.
Title: Re: Car Insurance Master Thread
Post by: mgarfin on March 14, 2016, 11:57:51 PM
I have had Geico for about a year. They just sent me a renewal, raising my rate about $200. I shopped around and found Liberty to be significantly cheaper than anyone else. Just wondering what their service is like? I remember last time I was shopping I found a cheaper rate with All State, but was told to stay away as they have terrible service when you file a claim.

How did you shop around, did you enter your info in lots of company's website or you found a comparing place?
Title: Re: Car Insurance Master Thread
Post by: Thingywingy on March 15, 2016, 01:05:05 AM
I made one 3 calls including to an agent that has got me a competitive rate in the past.
Title: Re: Car Insurance Master Thread
Post by: Savvigator on March 28, 2016, 08:14:38 PM
HELP!! I missed a payment on my car insurance policy and didn't pay it for a while and the policy was cancelled and now my quote is 5x the original policy..if anyone can help I'd greatly appreciate it
Title: Re: Car Insurance Master Thread
Post by: mgarfin on March 29, 2016, 09:12:01 AM
HELP!! I missed a payment on my car insurance policy and didn't pay it for a while and the policy was cancelled and now my quote is 5x the original policy..if anyone can help I'd greatly appreciate it

Did you try a quote from another insurer?
Title: Re: Car Insurance Master Thread
Post by: mgarfin on March 29, 2016, 09:12:57 AM
Anyone have experience with progressive?
Title: Re: Car Insurance Master Thread
Post by: Venilla on March 30, 2016, 07:52:49 PM
Ouch. I have a clean record, and can't afford that. If I submit the form to the rental company, they'll submit it to the DMV in order to be able to process the claim with the credit card (CSP)?
Don't know. They asked you to fill out the form?
Title: Re: Car Insurance Master Thread
Post by: David Smith on March 30, 2016, 07:56:44 PM
Don't know. They asked you to fill out the form?
Yeah, but a heimishe place.
Title: Re: Car Insurance Master Thread
Post by: Venilla on March 30, 2016, 08:03:42 PM
Yeah, but a heimishe place.
They can claim insurance without an MV-104.
Title: Re: Car Insurance Master Thread
Post by: Z56 on April 28, 2016, 06:14:58 PM
Any recommendations for a good broker ?
Title: Re: Car Insurance Master Thread
Post by: coralsnake on May 25, 2016, 05:45:33 PM
Looking for suggestions on who to call for auto insurance in NY.

I saved way more than 15% by switching to Geico but that was a bunch of years ago. I know I can do better now.
Title: Re: Car Insurance Master Thread
Post by: Yammer on May 25, 2016, 07:59:13 PM
Looking for suggestions on who to call for auto insurance in NY.

I saved way more than 15% by switching to Geico but that was a bunch of years ago. I know I can do better now.
I got the best rate at

Trumper Insurance
845-356-1899
Title: Re: Car Insurance Master Thread
Post by: Z56 on May 26, 2016, 01:10:38 AM
Looking for suggestions on who to call for auto insurance in NY.

I saved way more than 15% by switching to Geico but that was a bunch of years ago. I know I can do better now.

I got the best rate and excellent service at
Insurance Depot
718-921-2300
Title: Re: Car Insurance Master Thread
Post by: moka on May 26, 2016, 09:57:58 AM
Paying $185 for crv for 2 ppl with geico
Title: Re: Car Insurance Master Thread
Post by: yoseflang on May 26, 2016, 11:26:44 AM
Call my guy at nationwide had a lot of people switch and lower their prices. 7184045598 his name is Dovid Flamm in Brooklyn I pay under 150 and that's with an accident
Title: Re: Car Insurance Master Thread
Post by: Yammer on May 26, 2016, 12:04:08 PM
Looking for suggestions on who to call for auto insurance in NY.

I saved way more than 15% by switching to Geico but that was a bunch of years ago. I know I can do better now.
When your done contacting all of them, let us know who gave you the best rate...
Title: Re: Car Insurance Master Thread
Post by: larryilo on May 26, 2016, 12:06:36 PM
I got the best rate and excellent service at
Insurance Depot
718-921-2300

Actually have by this guy as well amazing service and cheapest out there...
Title: Re: Car Insurance Master Thread
Post by: bades on May 26, 2016, 04:53:32 PM
you can PM me for auto insurance quotes.
Title: Re: Car Insurance Master Thread
Post by: Yehuda25 on June 22, 2016, 11:04:52 AM
My car is currently under my parent's insurance in NJ, if I legally move to NY can I have NY plates under his NJ plan?
Title: Re: Car Insurance Master Thread
Post by: yelped on June 22, 2016, 11:14:15 AM
My car is currently under my parent's insurance in NJ, if I legally move to NY can I have NY plates under his NJ plan?
Pretty sure insurance won't insure out of state.
Title: Re: Car Insurance Master Thread
Post by: David Smith on June 22, 2016, 10:51:54 PM
I'm probably going to put an allstate policy into effect. Anybody know a nice Jewish agent to give commission too? (I'm assuming I'll get at least as good as online quote, if not better.)
Title: Re: Car Insurance Master Thread
Post by: Dr Moose on June 22, 2016, 11:02:27 PM
I'm probably going to put an allstate policy into effect. Anybody know a nice Jewish agent to give commission too? (I'm assuming I'll get at least as good as online quote, if not better.)
https://agents.allstate.com/joel-meisels-monroe-ny.html
Title: Re: Car Insurance Master Thread
Post by: Ydad on June 23, 2016, 12:24:01 AM
I'm probably going to put an allstate policy into effect. Anybody know a nice Jewish agent to give commission too? (I'm assuming I'll get at least as good as online quote, if not better.)
Allstate.com/bgoldfischer If you are in NJ.
Title: Re: Car Insurance Master Thread
Post by: David Smith on June 23, 2016, 12:25:53 AM
https://agents.allstate.com/joel-meisels-monroe-ny.html

Allstate.com/bgoldfischer If you are in NJ.
In NY.

I can sign up through these links and they'll get commission, right?
Title: Re: Car Insurance Master Thread
Post by: ExGingi on June 23, 2016, 07:32:15 AM
I'm probably going to put an allstate policy into effect. Anybody know a nice Jewish agent to give commission too? (I'm assuming I'll get at least as good as online quote, if not better.)
I recommend https://agents.allstate.com/david-kievman-hewlett-ny.html great service, and worked really hard during ChasunaFund.com hay days.
Title: Re: Car Insurance Master Thread
Post by: Z56 on June 23, 2016, 07:35:25 AM
In NY.

I can sign up through these links and they'll get commission, right?

go thru a broker, you will be better off

and more reliable
Title: Re: Car Insurance Master Thread
Post by: ExGingi on June 23, 2016, 07:55:24 AM
go thru a broker, you will be better off

and more reliable
+1

Broker (that represents many companies) or Agent (representing Allstate and the likes). If Allstate is competitive (they were for me many years until they were not), I would say you are better off with an Agent than a broker, both are better than just an online service.
Title: Re: Car Insurance Master Thread
Post by: Z56 on June 23, 2016, 08:15:14 AM
+1

Broker (that represents many companies) or Agent (representing Allstate and the likes). If Allstate is competitive (they were for me many years until they were not), I would say you are better off with an Agent than a broker, both are better than just an online service.

Try Insurance Depot
718-921-2300

I've recommended him lately to lot of people, haven't heard one complaint....
Title: Re: Car Insurance Master Thread
Post by: Yehuda25 on June 23, 2016, 09:55:16 AM
Pretty sure insurance won't insure out of state.
Is that with every company?
Title: Re: Car Insurance Master Thread
Post by: yelped on June 23, 2016, 10:27:00 AM
Is that with every company?
I know that with Liberty Mutual I couldn't add an out of state driver and vehicle. Though the driver alone I was able to add. Just not a vehicle registered in another state.
Title: Re: Car Insurance Master Thread
Post by: YSP on June 23, 2016, 12:46:55 PM
Is that with every company?

Yes, The state of NY won't recognize a NJ policy so you'll get a suspended registration of you try it.
Title: Re: Car Insurance Master Thread
Post by: Yehuda25 on June 24, 2016, 01:23:16 AM
Yes, The state of NY won't recognize a NJ policy so you'll get a suspended registration of you try it.
good to know, thanks!
Title: Re: Car Insurance Master Thread
Post by: REB YID on July 04, 2016, 05:36:57 PM
for the best insurance rates PM me
Title: Re: Car Insurance Master Thread
Post by: yelped on July 04, 2016, 07:47:09 PM
for the best insurance rates PM me
Guaranteed? :)
Title: Re: Car Insurance Master Thread
Post by: aryeh1 on July 20, 2016, 02:16:14 PM
Car Rear ended me a few weeks ago when stopped by a red light, damage to my bumper was minimal and they had no damage. We agreed to file a police report but person that hit me preferred to pay out of pocket, never heard back from her, possibly they lost my contact info. How many days do i have to report to their insurance company? Also person was a yid and damage was minimal so I'm not sure if i would want their insurance to go up, even though it may anyways since there was a police report filled.
Title: Re: Car Insurance Master Thread
Post by: chbochur on July 20, 2016, 02:44:25 PM
Car Rear ended me a few weeks ago when stopped by a red light, damage to my bumper was minimal and they had no damage. We agreed to file a police report but person that hit me preferred to pay out of pocket, never heard back from her, possibly they lost my contact info. How many days do i have to report to their insurance company? Also person was a yid and damage was minimal so I'm not sure if i would want their insurance to go up, even though it may anyways since there was a police report filled.
Police report should give you the name and address of the policy holder, that should be a good place to start
Title: Re: Car Insurance Master Thread
Post by: aryeh1 on July 20, 2016, 10:51:35 PM
Police report should give you the name and address of the policy holder, that should be a good place to start
But will her insurance go up either way since there was a police report?

Also how many days from the accident can it be reported?

Thanks!
Title: Re: Car Insurance Master Thread
Post by: chbochur on July 20, 2016, 11:00:15 PM
But will her insurance go up either way since there was a police report?

Also how many days from the accident can it be reported?

Thanks!
Not sure if the car was in her name or not, but the way it works is once there's a police report the DMV now knows she was involved in an accident, but they don't tell the insurance company anything, if she decided to go now and insure a car the insurance company would check out her record from the DMV andshe'd probably end up payimg more since she has a accident on her record (regardless of whose at fault). But the car that was involved in the accident would not be effected (at least until they renegotiate the terms), but if you file an insurance claim from her then her policy would go up.

Not sure how long after the accident you have but I think technically you have years not days...
Title: Re: Car Insurance Master Thread
Post by: aryeh1 on July 20, 2016, 11:03:50 PM
Not sure if the car was in her name or not, but the way it works is once there's a police report the DMV now knows she was involved in an accident, but they don't tell the insurance company anything, if she decided to go now and insure a car the insurance company would check out her record from the DMV andshe'd probably end up payimg more since she has a accident on her record (regardless of whose at fault). But the car that was involved in the accident would not be effected (at least until they renegotiate the terms), but if you file an insurance claim from her then her policy would go up.

Not sure how long after the accident you have but I think technically you have years not days...
So your saying my insurance can go up as well even though was not at fault? Basically shouldn't have filled a police report...
Title: Re: Car Insurance Master Thread
Post by: chbochur on July 20, 2016, 11:06:57 PM
So your saying my insurance can go up as well even though was not at fault? Basically shouldn't have filled a police report...
Yes correct ,
I was once hit driving someone else's car and there was minimal damage called the owner and asked if I should call the police they told me to call, and when he saw the damage he decided not to claim insurance so basically all that happened was that i have an accident on my record, so I feel you...
Title: Re: Car Insurance Master Thread
Post by: Mendel93 on July 20, 2016, 11:13:16 PM
How can I minimize the damage?

I received a speeding ticket in April which isn't on my driving record yet but it'll be showing shortly. Currently I am insured with Geico I'm paying $700 for 6 months in NY, I got my first policy 6 months ago, Geico only writes 6 month policies.
How can I avoid the points to reflect on my insurance rate?
I tried quoting with other insurance companies that offer 1 year policies (so that the next time they pull my driving record is almost 18 months after the violation) the cheapest I found was about $2000+ per yr, so it's not a recommended option. 
The question is how can I minimize the damage of the violation? Should I stay with Geico? I got a new quote with them now for another 6 months for the same $700, the question is what they will do in 6 months when they abstract my record and see the points, will they raise the policy? If yes that's why I tried quoting for 1 yr policies but didn't have any successful rates.

Anyone has any experience in the field is welcome, TYIA!!
Title: Re: Car Insurance Master Thread
Post by: ExGingi on July 21, 2016, 12:26:53 AM
How can I minimize the damage?

I received a speeding ticket in April which isn't on my driving record yet but it'll be showing shortly. Currently I am insured with Geico I'm paying $700 for 6 months in NY, I got my first policy 6 months ago, Geico only writes 6 month policies.
How can I avoid the points to reflect on my insurance rate?
I tried quoting with other insurance companies that offer 1 year policies (so that the next time they pull my driving record is almost 18 months after the violation) the cheapest I found was about $2000+ per yr, so it's not a recommended option. 
The question is how can I minimize the damage of the violation? Should I stay with Geico? I got a new quote with them now for another 6 months for the same $700, the question is what they will do in 6 months when they abstract my record and see the points, will they raise the policy? If yes that's why I tried quoting for 1 yr policies but didn't have any successful rates.

Anyone has any experience in the field is welcome, TYIA!!
GEICO now writes commercial policies (very competitively priced), which are 1 year policies. Register and insure the car under a business (could probably even be sole proprietor).
Title: Re: Car Insurance Master Thread
Post by: YSP on July 25, 2016, 01:43:26 PM
GEICO now writes commercial policies (very competitively priced), which are 1 year policies. Register and insure the car under a business (could probably even be sole proprietor).

Won't help for a speeding ticket. They still check the driving record of all drivers.

I would recommend taking a defensive driving course.

Have you been convicted yet? They only count the ticket for 36 mo. from date of incident and not conviction so if you can delay court date a year or so that will help
Title: Re: Car Insurance Master Thread
Post by: bubkiz on July 25, 2016, 01:50:10 PM

My front windshield cracked.

Will using Geico glass coverage count as a claim?

Will it affect my rates if i change insurers in the future?
Title: Re: Car Insurance Master Thread
Post by: YSP on July 25, 2016, 02:00:41 PM
My front windshield cracked.

Will using Geico glass coverage count as a claim?

Will it affect my rates if i change insurers in the future?
No, it's considered a comprehensive claim which doesn't affect rates and it would not count against you in the future when you switch companies. At least, Not with my company : )
Title: Re: Car Insurance Master Thread
Post by: bubkiz on July 25, 2016, 03:28:29 PM
No, it's considered a comprehensive claim which doesn't affect rates and it would not count against you in the future when you switch companies. At least, Not with my company : )

Thank you.

If I take a Defensive Driving course in NY and then move to OH, will the discount remain?

What if I take an NY course and move to OH before its applied?
Title: Re: Car Insurance Master Thread
Post by: YSP on July 25, 2016, 03:58:31 PM
Thank you.

If I take a Defensive Driving course in NY and then move to OH, will the discount remain?

What if I take an NY course and move to OH before its applied?

Won't help. The OH policies don't have that same discount and even the companies that do don't really give that impressive of a discount for it. Although generally the rates in OH are a lot lower anyway
Title: Re: Car Insurance Master Thread
Post by: Mendel93 on July 26, 2016, 11:01:51 PM
GEICO now writes commercial policies (very competitively priced), which are 1 year policies. Register and insure the car under a business (could probably even be sole proprietor).
The rate they gave me was about $2300 for a year! Way more expensive than their private ins. rate.
Title: Re: Car Insurance Master Thread
Post by: ExGingi on July 26, 2016, 11:13:57 PM
The rate they gave me was about $2300 for a year! Way more expensive than their private ins. rate.

I was paying over $2,000/yr for Travelers commercial policy. Then GEICO started issuing such policies, I priced it and almost got one as it was going to save me quite a bit over travelers, but then I found out that GEICO allows you to have a car registered to a business even under their regular policies, so I opted for that for even greater savings. but until I found that option I was paying for commercial policies, as I have certain reasons not to want to have a vehicle registered under my name.
Title: Re: Car Insurance Master Thread
Post by: aryeh1 on July 29, 2016, 03:54:55 PM
Police report should give you the name and address of the policy holder, that should be a good place to start
I tried that but had no luck contacting her..
Can i still go though her insurance? Does my insurance need to know about it,  do i have anything to lose if the police report says that she hit me as she wasn't looking at the road.
Title: Re: Car Insurance Master Thread
Post by: chbochur on July 29, 2016, 04:05:39 PM
I tried that but had no luck contacting her..
Can i still go though her insurance? Does my insurance need to know about it,  do i have anything to lose if the police report says that she hit me as she wasn't looking at the road.
Hmm, I'm pretty sure you can still contact her insurance, and go through that route. The only thing I'd be worried about is that if there's any chance the insurance company will decide it is even slightly your fault (their good at coming up with reasons why it should be) then it probably not worth it, because then your insurance will be notified and your insurance would go up. So it's something you gotta think about...
Title: Re: Car Insurance Master Thread
Post by: aryeh1 on July 29, 2016, 04:19:27 PM
Hmm, I'm pretty sure you can still contact her insurance, and go through that route. The only thing I'd be worried about is that if there's any chance the insurance company will decide it is even slightly your fault (their good at coming up with reasons why it should be) then it probably not worth it, because then your insurance will be notified and your insurance would go up. So it's something you gotta think about...
If the police report clearly states she hit me while i was stopping for a red light, bec she was looking away , how can it be my fault?
So i should just call her insurance company?
Title: Re: Car Insurance Master Thread
Post by: chbochur on July 29, 2016, 04:21:58 PM
If the police report clearly states she hit me while i was stopping for a red light, bec she was looking away , how can it be my fault?
So i should just call her insurance company?
No idea how they can decide it's "partially" your fault, but that's all it takes...
You can either call her insurance but i believe you can ask the body shop to directly bill their insurance, I've never gone thru with it, so I can't tell you for sure.
Title: Re: Car Insurance Master Thread
Post by: aryeh1 on July 29, 2016, 06:05:15 PM
No idea how they can decide it's "partially" your fault, but that's all it takes...
You can either call her insurance but i believe you can ask the body shop to directly bill their insurance, I've never gone thru with it, so I can't tell you for sure.
I haven't done this before either, so i would just call her insurance and tell them about the accident?
Title: Re: Car Insurance Master Thread
Post by: chbochur on July 29, 2016, 06:10:41 PM
I haven't done this before either, so i would just call her insurance and tell them about the accident?
Yea, and tell them you have an accident report, they might tell you to go about it a different way, but can't hurt to try it this way
Title: Re: Car Insurance Master Thread
Post by: aryeh1 on July 31, 2016, 06:58:16 PM
Yea, and tell them you have an accident report, they might tell you to go about it a different way, but can't hurt to try it this way

Thanks, just wondering if i call up her insurance company, will her insurance potentially go up as they will now know about it or they will likely know anyways, as theres a police report.

Not looking to really mess her up...


Title: Re: Car Insurance Master Thread
Post by: chbochur on July 31, 2016, 07:01:41 PM
Thanks, just wondering if i call up her insurance company, will her insurance potentially go up as they will now know about it or they will likely know anyways, as theres a police report.

Not looking to really mess her up...
They will only know when they renegotiate her price, till then they won't look at the police report
Title: Re: Car Insurance Master Thread
Post by: aryeh1 on July 31, 2016, 09:21:21 PM
They will only know when they renegotiate her price, till then they won't look at the police report

Thanks

But if it goes through insurance and they pay for a claim now , it will be more likely for it to increase no? vs them not paying out anything
Title: Re: Car Insurance Master Thread
Post by: chbochur on July 31, 2016, 09:28:27 PM
Thanks

But if it goes through insurance and they pay for a claim now , it will be more likely for it to increase no? vs them not paying out anything
Correct
Title: Re: Car Insurance Master Thread
Post by: Yehuda25 on December 05, 2016, 08:41:38 PM
I skid on black ice and hit a parked car in a parking lot, 3k damage to mine, 1k damage to his.


What's the chances my insurance does not go up significantly?
Title: Re: Car Insurance Master Thread
Post by: Yehuda25 on December 07, 2016, 01:48:25 AM
I skid on black ice and hit a parked car in a parking lot, 3k damage to mine, 1k damage to his.


What's the chances my insurance does not go up significantly?
Bump?
Title: Re: Car Insurance Master Thread
Post by: Z56 on December 07, 2016, 01:50:18 AM
I skid on black ice and hit a parked car in a parking lot, 3k damage to mine, 1k damage to his.


What's the chances my insurance does not go up significantly?

Contact your insurance broker
Title: Re: Car Insurance Master Thread
Post by: rockstarhockstar on December 19, 2016, 09:26:53 PM
Anyone know of a way to get quotes from multiple insurance companies at once?
Title: Re: Car Insurance Master Thread
Post by: Z56 on December 20, 2016, 01:43:22 AM
Anyone know of a way to get quotes from multiple insurance companies at once?

Auto insurance ?
Title: Re: Car Insurance Master Thread
Post by: Centro on December 20, 2016, 07:51:42 PM
Will a first timer get a cheaper quote if he's being added to someone else's policy?

And if so, does that mean that if anything happens to car #2 then it'll effect the original policy holder?
Title: Re: Car Insurance Master Thread
Post by: yelped on December 21, 2016, 09:14:03 AM
Will a first timer get a cheaper quote if he's being added to someone else's policy?

And if so, does that mean that if anything happens to car #2 then it'll effect the original policy holder?
Put yourself on someone's policy as an additional, not residing at same address (obviously, only if it's true). Shouldn't cost much, if anything. Now get yourself quotes for policies for yourself and write that you have been insured for whatever months the original policy is. Usually they put it in automatically. Enjoy the greatly cheaper rates. Get yourself taken off the old policy once you're own policy is in effect.
Title: Re: Car Insurance Master Thread
Post by: Centro on December 21, 2016, 09:19:53 AM


Put yourself on someone's policy as an additional, not residing at same address (obviously, only if it's true). Shouldn't cost much, if anything. Now get yourself quotes for policies for yourself and write that you have been insured for whatever months the original policy is. Usually they put it in automatically. Enjoy the greatly cheaper rates. Get yourself taken off the old policy once you're own policy is in effect.
I should put my self on someone's policy as an additional driver on his car or I add my car to his policy?

Also, how soon will the adding process take it should go into effect, immediately?
If so, can I look for quotes 2 minutes after adding my self?

Thanks for your help!
Title: Re: Car Insurance Master Thread
Post by: yelped on December 21, 2016, 10:55:24 AM
I should put my self on someone's policy as an additional driver on his car or I add my car to his policy?

Also, how soon will the adding process take it should go into effect, immediately?
If so, can I look for quotes 2 minutes after adding my self?

Thanks for your help!
Add yourself as an additional driver on the original car, otherwise it would cost you the same.

Officially some companies require 30 days, and some require 6 months of being on the policy, but in practice, I've found that as soon as the change to the original policy takes effect, you would see a huge difference in price. It appears that they only see the start date of the original owner of the policy. Usually the changes take effect at midnight. So you would have to wait a day. Ask the rep.
Title: Re: Car Insurance Master Thread
Post by: Centro on December 21, 2016, 10:58:23 AM
Add yourself as an additional driver on the original car, otherwise it would cost you the same.

Officially some companies require 30 days, and some require 6 months of being on the policy, but in practice, I've found that as soon as the change to the original policy takes effect, you would see a huge difference in price. It appears that they only see the start date of the original owner of the policy. Usually the changes take effect at midnight. So you would have to wait a day. Ask the rep.
Alright, thank you very very much!
Title: Re: Car Insurance Master Thread
Post by: yelped on December 22, 2016, 06:43:46 PM
Alright, thank you very very much!
Update? Worked?
Title: Re: Car Insurance Master Thread
Post by: Centro on December 25, 2016, 08:59:05 AM
Update? Worked?
Not yet, waiting for my friend to add me. I'll report back.
Title: Re: Car Insurance Master Thread
Post by: mgarfin on December 27, 2016, 02:50:10 PM
Put yourself on someone's policy as an additional, not residing at same address (obviously, only if it's true). Shouldn't cost much, if anything. Now get yourself quotes for policies for yourself and write that you have been insured for whatever months the original policy is. Usually they put it in automatically. Enjoy the greatly cheaper rates. Get yourself taken off the old policy once you're own policy is in effect.

Does this work only to reduce the price at the same company, or if I'm added, all companies will see that I am currently insured?
Title: Re: Car Insurance Master Thread
Post by: yelped on December 27, 2016, 04:07:53 PM
Does this work only to reduce the price at the same company, or if I'm added, all companies will see that I am currently insured?
Should work with all. They ask you if you have insurance in the quoting process.
Title: Re: Car Insurance Master Thread
Post by: kaman on December 27, 2016, 04:17:35 PM
Put yourself on someone's policy as an additional, not residing at same address (obviously, only if it's true). Shouldn't cost much, if anything. Now get yourself quotes for policies for yourself and write that you have been insured for whatever months the original policy is. Usually they put it in automatically. Enjoy the greatly cheaper rates. Get yourself taken off the old policy once you're own policy is in effect.

sounds like insurance fraud to me. curious if you actually have a large claim whether they can deny after research?
Title: Re: Car Insurance Master Thread
Post by: yelped on December 27, 2016, 08:11:17 PM
sounds like insurance fraud to me. curious if you actually have a large claim whether they can deny after research?
Why? Explain. They ask you if you have insurance. So now you have.
Title: Re: Car Insurance Master Thread
Post by: ezmk on December 27, 2016, 08:53:16 PM
By adding myself as a additional driver does my history  effect the primary driver rate
Title: Re: Car Insurance Master Thread
Post by: mgarfin on December 28, 2016, 08:27:17 AM
Why? Explain. They ask you if you have insurance. So now you have.

Do you need to answer for how long?
Title: Re: Car Insurance Master Thread
Post by: YSP on December 28, 2016, 11:05:15 AM
By adding myself as a additional driver does my history  effect the primary driver rate

Absolutley
Title: Re: Car Insurance Master Thread
Post by: ezmk on December 28, 2016, 12:18:02 PM
Absolutley
Then why should he want to, and how will that give a better rate
Title: Re: Car Insurance Master Thread
Post by: yelped on December 28, 2016, 06:26:10 PM
Absolutley
Not if you don't reside at the same address. In other words, you don't really affect the risk factor because you're not really using the car. That was my experience, but you could be right, technically.
Title: Re: Car Insurance Master Thread
Post by: yelped on December 28, 2016, 06:26:47 PM
Do you need to answer for how long?
Usually they look up the policy themselves and fill it in for you.
Title: Re: Car Insurance Master Thread
Post by: aryeh1 on December 29, 2016, 03:24:37 PM
Tried getting geico online, anyone ever get this?

"In order for us to continue reviewing your request for insurance, you must complete a paper application"

Is anyone else as cheap as them?
Title: Re: Car Insurance Master Thread
Post by: yelped on December 29, 2016, 06:52:09 PM
Tried getting geico online, anyone ever get this?

"In order for us to continue reviewing your request for insurance, you must complete a paper application"

Is anyone else as cheap as them?
Lol. That's not a simple question to answer. It depends. Every case is different. For me, Liberty Mutual is the cheapest by far. For someone else I helped, Nationwide was by far the cheapest. For someone else it was Allstate.
Title: Re: Car Insurance Master Thread
Post by: mgarfin on January 04, 2017, 09:34:30 AM
Lol. That's not a simple question to answer. It depends. Every case is different. For me, Liberty Mutual is the cheapest by far. For someone else I helped, Nationwide was by far the cheapest. For someone else it was Allstate.

Reiterating, the need for a reliable comparison website, something that is nonexistent today.
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on January 25, 2017, 06:52:55 AM
I want to lend my car to my friend for two months. Any way he can get liability insurance for a short period? I asked geico and they said they cant add him to my policy because he doesn't live in my household.
Title: Re: Car Insurance Master Thread
Post by: chaimh770 on February 08, 2017, 09:06:41 PM
Anyone ever got insurance for a young driver? What is the best way to go about it
Title: Re: Car Insurance Master Thread
Post by: yelped on February 09, 2017, 12:16:14 PM
Anyone ever got insurance for a young driver? What is the best way to go about it
Read the last page. Please. You are asking questions all over expecting people to repeat themselves for you. If you can't find it, we can help. But don't expect to just sit back and make everyone repeat themselves for you.
Title: Re: Car Insurance Master Thread
Post by: chaimh770 on February 09, 2017, 01:56:17 PM
Read the last page. Please. You are asking questions all over expecting people to repeat themselves for you. If you can't find it, we can help. But don't expect to just sit back and make everyone repeat themselves for you.
I'm obviously not very good at getting around, I'm sorry. I'm looking for where someone answered, but I can't find it so if you can guide me it would be more appreciated then attacking me thank you
Title: Re: Car Insurance Master Thread
Post by: mgarfin on February 09, 2017, 02:06:56 PM
I'm obviously not very good at getting around, I'm sorry. I'm looking for where someone answered, but I can't find it so if you can guide me it would be more appreciated then attacking me thank you

http://forums.dansdeals.com/index.php?action=post;quote=1627658;topic=1683.870
Title: Re: Car Insurance Master Thread
Post by: yelped on February 09, 2017, 02:23:39 PM
I'm obviously not very good at getting around, I'm sorry. I'm looking for where someone answered, but I can't find it so if you can guide me it would be more appreciated then attacking me thank you
A. I wasn't attacking you, I was helping you by explaining how to find information and how to ask in case you don't find it in a way that people would be willing to help you.

B. I told you where to find that info. Mgarfin sent a direct link.

C. Good luck!
Title: Re: Car Insurance Master Thread
Post by: Kingoftheblues on February 11, 2017, 11:26:33 PM
I was referred by a colleague to a guy in Boro Park that claims he can save me about 50% on my car insurance policy. The total savings for the year would come out to about $1,300.00. The catch is that he's asking for a brokers fee of ... $1,300.00, his logic being that it's an investment for the future. Anyway's, i'm not about to fork over $1,300 cash to some guy i don't know. I'm posting this because I was wondering if
A) has anyone heard of similar cases? Ie, brokers that have some crazy shtick and get you cheaper policies than you would be able to find on your own?
B) how could i do this myself and avoid a broker's fee?
Title: Re: Car Insurance Master Thread
Post by: ckmk47 on February 12, 2017, 12:43:02 AM
I was referred by a colleague to a guy in Boro Park that claims he can save me about 50% on my car insurance policy. The total savings for the year would come out to about $1,300.00. The catch is that he's asking for a brokers fee of ... $1,300.00, his logic being that it's an investment for the future. Anyway's, i'm not about to fork over $1,300 cash to some guy i don't know. I'm posting this because I was wondering if
A) has anyone heard of similar cases? Ie, brokers that have some crazy shtick and get you cheaper policies than you would be able to find on your own?
B) how could i do this myself and avoid a broker's fee?
a) I had a broker that charged me $100.  And he found me a policy that worked for me.  NOT $1300.  b)Do you know which insurance company he was going to sign you up to? Why don't you try some of the online companies and compare rates?  Your rate might be lower than you think.
Title: Re: Car Insurance Master Thread
Post by: Z56 on February 12, 2017, 01:15:13 AM
Plenty of brokers that don't charge broker fee
Title: Re: Car Insurance Master Thread
Post by: Yammer on February 12, 2017, 01:19:51 AM


I was referred by a colleague to a guy in Boro Park that claims he can save me about 50% on my car insurance policy. The total savings for the year would come out to about $1,300.00. The catch is that he's asking for a brokers fee of ... $1,300.00, his logic being that it's an investment for the future. Anyway's, i'm not about to fork over $1,300 cash to some guy i don't know. I'm posting this because I was wondering if
A) has anyone heard of similar cases? Ie, brokers that have some crazy shtick and get you cheaper policies than you would be able to find on your own?
B) how could i do this myself and avoid a broker's fee?

Never heard of a $1300 brokerage fee.

There are brokers that find good rates.

I have sent a few ppl to Trumper Insurance, and they are all happy.
Plenty of brokers that don't charge broker fee
Title: Re: Car Insurance Master Thread
Post by: Z56 on February 12, 2017, 01:45:30 AM

Never heard of a $1300 brokerage fee.

There are brokers that find good rates.

I have sent a few ppl to Trumper Insurance, and they are all happy.

I can recommend insurance Depot, extremely cheap prices.

Insurance depot
718-921-2300
Title: Re: Car Insurance Master Thread
Post by: Yammer on February 12, 2017, 01:52:30 AM
I can recommend insurance Depot, extremely cheap prices.

Insurance depot
718-921-2300
I had a good laugh when I saw your response... It seems like we are loyal to our brokers...

Disclaimer: I don't get any kickbacks

I got the best rate at

Trumper Insurance
845-356-1899



I got the best rate and excellent service at
Insurance Depot
718-921-2300

I got the best rate and excellent service at
Insurance Depot
718-921-2300
Title: Re: Car Insurance Master Thread
Post by: Z56 on February 12, 2017, 08:04:59 AM
Lol. I don't either get any kickbacks, I usually recommend people that it's a pleasure dealing with
Title: Re: Car Insurance Master Thread
Post by: Yammer on February 12, 2017, 08:49:15 AM
Lol. I don't either get any kickbacks, I usually recommend people that it's a pleasure dealing with
That's what DDF is all about
Title: Re: Car Insurance Master Thread
Post by: Yehuda25 on February 12, 2017, 07:32:11 PM
I was referred by a colleague to a guy in Boro Park that claims he can save me about 50% on my car insurance policy. The total savings for the year would come out to about $1,300.00. The catch is that he's asking for a brokers fee of ... $1,300.00, his logic being that it's an investment for the future. Anyway's, i'm not about to fork over $1,300 cash to some guy i don't know. I'm posting this because I was wondering if
A) has anyone heard of similar cases? Ie, brokers that have some crazy shtick and get you cheaper policies than you would be able to find on your own?
B) how could i do this myself and avoid a broker's fee?
definitely something shady about that.
Title: Re: Car Insurance Master Thread
Post by: Yammer on February 12, 2017, 07:49:55 PM
I would ask him point blank
Title: Re: Car Insurance Master Thread
Post by: MrPrime1 on February 13, 2017, 02:08:16 PM
I was referred by a colleague to a guy in Boro Park that claims he can save me about 50% on my car insurance policy. The total savings for the year would come out to about $1,300.00. The catch is that he's asking for a brokers fee of ... $1,300.00, his logic being that it's an investment for the future. Anyway's, i'm not about to fork over $1,300 cash to some guy i don't know. I'm posting this because I was wondering if
A) has anyone heard of similar cases? Ie, brokers that have some crazy shtick and get you cheaper policies than you would be able to find on your own?
B) how could i do this myself and avoid a broker's fee?

dont do it. your rates can go up next year for no reason (general area increase) and you would have accomplished nothing
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on February 13, 2017, 03:12:22 PM
I am paying geico insurance brought my nose-the rates keep climbing! Currently paying $270 a month for a Hyundai Sonata 2014 leased living in Brooklyn...it's our first car but only 1 ticket on record. What can I do to lower it?!?!
Im paying 275 for a kia optima 2015 with geico. have one violation. U can take a defensive drivers online, that should lower it a bit.And if its a lease, theres legal minimums that u cant change...
Title: Re: Car Insurance Master Thread
Post by: popcorn1508 on February 13, 2017, 03:23:23 PM
I was referred by a colleague to a guy in Boro Park that claims he can save me about 50% on my car insurance policy. The total savings for the year would come out to about $1,300.00. The catch is that he's asking for a brokers fee of ... $1,300.00, his logic being that it's an investment for the future. Anyway's, i'm not about to fork over $1,300 cash to some guy i don't know. I'm posting this because I was wondering if
A) has anyone heard of similar cases? Ie, brokers that have some crazy shtick and get you cheaper policies than you would be able to find on your own?
B) how could i do this myself and avoid a broker's fee?
I have a friend who used one of these "brokers" he got the cheap rate but the guy lied outright on the application.
Title: Re: Car Insurance Master Thread
Post by: YSP on February 13, 2017, 04:28:37 PM
I was referred by a colleague to a guy in Boro Park that claims he can save me about 50% on my car insurance policy. The total savings for the year would come out to about $1,300.00. The catch is that he's asking for a brokers fee of ... $1,300.00, his logic being that it's an investment for the future. Anyway's, i'm not about to fork over $1,300 cash to some guy i don't know. I'm posting this because I was wondering if
A) has anyone heard of similar cases? Ie, brokers that have some crazy shtick and get you cheaper policies than you would be able to find on your own?
B) how could i do this myself and avoid a broker's fee?

It's Illegal to boot. If you'd report him he'd lose his license
Title: Re: Car Insurance Master Thread
Post by: shulem92 on February 19, 2017, 01:06:52 AM
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
Title: Re: Car Insurance Master Thread
Post by: ckmk47 on February 19, 2017, 02:42:24 AM
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.
Title: Re: Car Insurance Master Thread
Post by: shulem92 on February 19, 2017, 10:13:35 AM
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
Title: Re: Car Insurance Master Thread
Post by: shulem92 on February 19, 2017, 07:09:23 PM
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?
Title: Re: Car Insurance Master Thread
Post by: ckmk47 on February 19, 2017, 07:58:39 PM
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...
Title: Re: Car Insurance Master Thread
Post by: YSP on February 21, 2017, 02:09:48 PM
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
Title: Re: Car Insurance Master Thread
Post by: shulem92 on February 21, 2017, 03:41:14 PM
Counts against you. Uninsured motorist deductible is automatically $250 though
Mine is $500. Progressive
Title: Re: Car Insurance Master Thread
Post by: Car Guru on February 22, 2017, 11:00:00 PM
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....?
Title: Re: Car Insurance Master Thread
Post by: Marko Rubio on March 20, 2017, 08:57:45 PM
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
 
Title: Re: Car Insurance Master Thread
Post by: Yammer on March 20, 2017, 09:15:47 PM


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.
Title: Re: Car Insurance Master Thread
Post by: Marko Rubio on March 20, 2017, 09:23:06 PM

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
Title: Re: Car Insurance Master Thread
Post by: Mordyk on March 22, 2017, 02:51:21 PM
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
Title: Re: Car Insurance Master Thread
Post by: nucheiner on March 22, 2017, 04:07:48 PM
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...
Title: Re: Car Insurance Master Thread
Post by: mgarfin on May 05, 2017, 12:48:17 AM
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?
Title: Re: Car Insurance Master Thread
Post by: ckmk47 on May 05, 2017, 02:07:16 AM
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.
Title: Re: Car Insurance Master Thread
Post by: noturbizniss on May 05, 2017, 07:57:44 AM
Any one have experience with NJ skylands?
Title: Re: Car Insurance Master Thread
Post by: nocknock on May 05, 2017, 10:27:09 AM
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
Title: Re: Car Insurance Master Thread
Post by: MrPrime1 on May 05, 2017, 11:11:45 AM
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
Title: Re: Car Insurance Master Thread
Post by: MrPrime1 on May 05, 2017, 11:12:43 AM
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
Title: Re: Car Insurance Master Thread
Post by: Jkhein on May 09, 2017, 11:28:20 PM
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?
Title: Re: Car Insurance Master Thread
Post by: atsdump on May 10, 2017, 01:43:16 AM
Been to and accident where I was going straight and somebody was trying to take left turn from opposite and had T-bone accident in Arizona. He gave recorded statement to the insurance that I was passing at Red signal to cover up his fault. 

Any advice on how to make counter argument on this (and if anyone aware around Arizona traffic laws in such situation)?

Also I understood that from my total car loss, it increase overall region premium instead of my own insurance premium (if they prove I am at fault for some reason on their false claim of Red signal) as that car account is closed. Is that true?
Title: Re: Car Insurance Master Thread
Post by: YSP on May 10, 2017, 02:05:15 PM
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?
makes no difference
Title: Re: Car Insurance Master Thread
Post by: Jkhein on May 12, 2017, 12:54:38 AM
makes no difference
how about if I just make my wifes name on the policy but I live in the household?
Title: Re: Car Insurance Master Thread
Post by: Lou Bob on May 12, 2017, 01:07:38 AM
how about if I just make my wifes name on the policy but I live in the household?
doesn't work like that
Title: Re: Car Insurance Master Thread
Post by: YSP on May 12, 2017, 12:09:49 PM
doesn't work like that
+1
Title: Re: Car Insurance Master Thread
Post by: zevi on June 08, 2017, 12:02:31 AM
Anyone dealt with Liberty Mutual for a mechanical claim ?
Title: Re: Car Insurance Master Thread
Post by: cholent on June 13, 2017, 10:38:37 AM
I rear ended somebody last week, now trying to figure out if there is a difference in how much my rates will rise depending on whether I pay for my damages out of pocket - the other person is going to file a claim with insurance regardless. Getting very mixed messages online, anyone have any idea how it works?
Title: Re: Car Insurance Master Thread
Post by: YSP on June 13, 2017, 10:40:54 AM
I rear ended somebody last week, now trying to figure out if there is a difference in how much my rates will rise depending on whether I pay for my damages out of pocket - the other person is going to file a claim with insurance regardless. Getting very mixed messages online, anyone have any idea how it works?
If they're filing a claim then it won't make a difference whether you fix up your car or not. You might as well. it will be subject to your deductible though
Title: Re: Car Insurance Master Thread
Post by: cholent on June 13, 2017, 10:46:43 AM
If they're filing a claim then it won't make a difference whether you fix up your car or not. You might as well. it will be subject to your deductible though

Thanks, appreciate the response
Title: Re: Car Insurance Master Thread
Post by: Thingywingy on June 22, 2017, 09:46:38 PM
I'm looking into buying a new car, and called up for estimates on insurance. Aside from the model and year, they did not calculate using mileage. Does that mean that mileage is not a factor? Or are they only able to factor that in using the VIN? (Seems strange that a 2015 with 20k and one with 60k would have same rate.)
Title: Re: Car Insurance Master Thread
Post by: Sport on June 23, 2017, 08:16:55 AM
If they're filing a claim then it won't make a difference whether you fix up your car or not. You might as well. it will be subject to your deductible though
The cost of the claim to the insurance company is not relevant?a
Title: Re: Car Insurance Master Thread
Post by: Sport on June 23, 2017, 08:18:57 AM
I know theres no hard rule but are there any basic guidelines for when its better to pay out of pocket than to initiate a claim?
Title: Re: Car Insurance Master Thread
Post by: YSP on June 28, 2017, 04:05:51 PM
I know theres no hard rule but are there any basic guidelines for when its better to pay out of pocket than to initiate a claim?

A Comp claim won't affect your rates. Collision will. It depends on prior claims as well. Get an estimate and keep in mind you have to pay a deductible but on the flip side you'll need to rent a car during the interim so make sure you take all those factors into account.
Title: Re: Car Insurance Master Thread
Post by: YSP on June 28, 2017, 04:06:29 PM
The cost of the claim to the insurance company is not relevant?a

Not in regards to how it affects your rate. No
Title: Re: Car Insurance Master Thread
Post by: Sport on June 28, 2017, 06:35:54 PM
A Comp claim won't affect your rates. Collision will. It depends on prior claims as well. Get an estimate and keep in mind you have to pay a deductible but on the flip side you'll need to rent a car during the interim so make sure you take all those factors into account.
I didnt make the collision claim because it was only cosmetic and would cost 200 more than my deductible. But the estimate on the other guys car was 1200, your telling me that will have no affect on my premiums?
Not in regards to how it affects your rate. No
Wow, interesting.
Title: Re: Car Insurance Master Thread
Post by: skyguy918 on June 29, 2017, 10:45:47 AM
I didnt make the collision claim because it was only cosmetic and would cost 200 more than my deductible. But the estimate on the other guys car was 1200, your telling me that will have no affect on my premiums?Wow, interesting.
You paying for the other guy's repair? That's liability, not collision or comprehensive. That will definitely make your rates go up.
Title: Re: Car Insurance Master Thread
Post by: Sport on June 29, 2017, 10:49:04 AM
You paying for the other guy's repair? That's liability, not collision or comprehensive. That will definitely make your rates go up.
That makes sense, I wasn't following the terms used.
Title: Re: Car Insurance Master Thread
Post by: Let3 on June 29, 2017, 05:06:39 PM
Going for a first lease - Anyone know what cars insurance are more btwn hona hrv, Nissan rouge, Toyota rav 4 etc?
Where a good place to check this out?
And what's a good company for insurance in general?
Title: Re: Car Insurance Master Thread
Post by: Thingywingy on July 06, 2017, 04:15:15 AM
Anyone know about Jersey Cares coverage for PIP? Can I make Geico secondary?
Title: Re: Car Insurance Master Thread
Post by: aro123 on July 06, 2017, 09:10:58 AM
Anyone know about Jersey Cares coverage for PIP? Can I make Geico secondary?
LRRC says you must buy primary
Title: Re: Car Insurance Master Thread
Post by: Thingywingy on July 06, 2017, 01:17:28 PM
LRRC says you must buy primary
you spoke to them?
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on July 06, 2017, 05:12:54 PM
Going for a first lease - Anyone know what cars insurance are more btwn hona hrv, Nissan rouge, Toyota rav 4 etc?
Where a good place to check this out?
And what's a good company for insurance in general?
start running quotes with companies. thats what i did
Title: Re: Car Insurance Master Thread
Post by: menachem on July 06, 2017, 05:18:35 PM
I have Erie. Was first car insurance and pretty cheap.
Title: Re: Car Insurance Master Thread
Post by: ual902 on July 11, 2017, 12:23:23 AM
Pro's and cons to get a FL drivers licensee and register my NY  car in MIA at my sisters FL address just to lower my NY $2500 Geico insurance every 6 months (Camery 2016)? will be driving mostly in NYC\Tri State.

Is there any What if's?!!!
Title: Re: Car Insurance Master Thread
Post by: 12HRS on July 11, 2017, 12:59:01 AM
Pro's and cons to get a FL drivers licensee and register my NY  car in MIA at my sisters FL address just to lower my NY $2500 Geico insurance every 6 months (Camery 2016)? will be driving mostly in NYC\Tri State.

Is there any What if's?!!!

yes, if geico finds out they may void your policy.
Title: Re: Car Insurance Master Thread
Post by: sillypainter on July 11, 2017, 01:32:56 AM
Pro's and cons to get a FL drivers licensee and register my NY  car in MIA at my sisters FL address just to lower my NY $2500 Geico insurance every 6 months (Camery 2016)? will be driving mostly in NYC\Tri State.

Is there any What if's?!!!

Insurance fraud.
Title: Re: Car Insurance Master Thread
Post by: dovy2 on July 12, 2017, 12:22:47 PM
Quote from: 12HRS link=topic=1683.msg1769105#msg1769105 date=149974 9141
yes, if geico finds out they may void your policy.
+1 and not cover u in case of accident, and Bill you for the difference plus penalties
Title: Re: Car Insurance Master Thread
Post by: YSP on July 13, 2017, 12:52:54 PM
+1 and not cover u in case of accident, and Bill you for the difference plus penalties
+1
Title: Re: Car Insurance Master Thread
Post by: YSP on July 13, 2017, 12:53:19 PM
Anyone know about Jersey Cares coverage for PIP? Can I make Geico secondary?
Jersey care cannot be your primary
Title: Re: Car Insurance Master Thread
Post by: skyguy918 on July 13, 2017, 01:11:42 PM
I had Statefarm for several years. When I got them, they were easily the cheapest I could find for my particular Auto+Home+Umbrella. But with not insignificant rate hikes just about every renewal, I finally decided to shop around again. All I can say is that it pays to do this every few years. It can apparently make a big difference. Whether it's changes to your driver profile or changes in the way each company rates various neighborhoods and other factors, it seems like who is the cheapest (and/or best value) for a particular scenario can change pretty frequently. I ended up with Allstate (and a local, frum agent), going from ~$350/month for all 3 policies to $265/month.
Title: Re: Car Insurance Master Thread
Post by: Let3 on July 18, 2017, 01:46:33 PM
start running quotes with companies. thats what i did
so companies (insurance depot at least) says can only give a quote with a vin number...
so not sure how to get that using honcker app... 
Title: Re: Car Insurance Master Thread
Post by: Let3 on July 18, 2017, 02:04:10 PM
Add yourself as an additional driver on the original car, otherwise it would cost you the same.

Officially some companies require 30 days, and some require 6 months of being on the policy, but in practice, I've found that as soon as the change to the original policy takes effect, you would see a huge difference in price. It appears that they only see the start date of the original owner of the policy. Usually the changes take effect at midnight. So you would have to wait a day. Ask the rep.
again, insurance depot said they wouldn't do that for me (need 6 months).

is a new driver with a new car the same price when getting his own insurance or adding himself (and car) so someone else's?
Title: Re: Car Insurance Master Thread
Post by: ChaimMoskowitz on July 18, 2017, 02:24:52 PM
6 cars and 6 drivers and State Farm is still the cheapest for me.
Title: Re: Car Insurance Master Thread
Post by: Let3 on July 22, 2017, 10:25:54 PM
Ok, after signing my first lease natuarally I needed insurance.
At the recommendation here at ddf I first tried the 2 agents in the wiki.
They each quoted me over $400 a month - being that I don't have any prior insurance, and wouldn't give me any tips on getting it for cheaper.
My wife and I (and anyone I told) thought this was insane, so we called a few companies ourselves.
While some of them were at those price ranges- we ended up getting GEICO for under $200- more than half less than the above quote.
After getting the quote from GEICO- one of the above agents told us that they know GEICO is better for ppl without prior insurance, but they are not agents for GEICO. I was very disappointed at the fact that they didn't offer me this info beforehand.

So PSA for ppl looking for first time insurance- don't go with agents!
Title: Re: Car Insurance Master Thread
Post by: JACKBLUE on July 22, 2017, 11:24:20 PM
Ok, after signing my first lease natuarally I needed insurance.
At the recommendation here at ddf I first tried the 2 agents in the wiki.
They each quoted me over $400 a month - being that I don't have any prior insurance, and wouldn't give me any tips on getting it for cheaper.
My wife and I (and anyone I told) thought this was insane, so we called a few companies ourselves.
While some of them were at those price ranges- we ended up getting GEICO for under $200- more than half less than the above quote.
After getting the quote from GEICO- one of the above agents told us that they know GEICO is better for ppl without prior insurance, but they are not agents for GEICO. I was very disappointed at the fact that they didn't offer me this info beforehand.

So PSA for ppl looking for first time insurance- don't go with agents!
you should add this to wiki
Title: Re: Car Insurance Master Thread
Post by: Moshe123 on July 22, 2017, 11:53:41 PM
Ok, after signing my first lease natuarally I needed insurance.
At the recommendation here at ddf I first tried the 2 agents in the wiki.
They each quoted me over $400 a month - being that I don't have any prior insurance, and wouldn't give me any tips on getting it for cheaper.
My wife and I (and anyone I told) thought this was insane, so we called a few companies ourselves.
While some of them were at those price ranges- we ended up getting GEICO for under $200- more than half less than the above quote.
After getting the quote from GEICO- one of the above agents told us that they know GEICO is better for ppl without prior insurance, but they are not agents for GEICO. I was very disappointed at the fact that they didn't offer me this info beforehand.

So PSA for ppl looking for first time insurance- don't go with agents!

News break! Insurance brokerage is one of the sleaziest industries.
Many industries try to sell what a customer wants and needs and also turn a profit. Insurance on the other hand...
Title: Re: Car Insurance Master Thread
Post by: Let3 on July 22, 2017, 11:58:30 PM
News break! Insurance brokerage is one of the sleaziest industries.
Many industries try to sell what a customer wants and needs and also turn a profit. Insurance on the other hand...
That's why I mentioned I went to 2 brokers that were highly recommended here in ddf- I expected better from them.
But after I got a quote from geico- she was nice enough to look at it and see if it was enough or if I should add anything...
Title: Re: Car Insurance Master Thread
Post by: Mendel93 on July 23, 2017, 03:23:50 AM
Ok, after signing my first lease natuarally I needed insurance.
At the recommendation here at ddf I first tried the 2 agents in the wiki.
They each quoted me over $400 a month - being that I don't have any prior insurance, and wouldn't give me any tips on getting it for cheaper.
My wife and I (and anyone I told) thought this was insane, so we called a few companies ourselves.
While some of them were at those price ranges- we ended up getting GEICO for under $200- more than half less than the above quote.
After getting the quote from GEICO- one of the above agents told us that they know GEICO is better for ppl without prior insurance, but they are not agents for GEICO. I was very disappointed at the fact that they didn't offer me this info beforehand.

So PSA for ppl looking for first time insurance- don't go with agents!
To clarify some basic insurance information.

1. Geico
2. State farm
3. Progressive

All companies above don't write insurance with agents at all! they only write directly with consumers, which means agents will never offer you any of the insurance companies mentioned above!!

I'm sure the list of companies go on...


On the other hand
 
1. Metlife
2. Harleysville
3. Hartford
4. Travelers

Only write via agents, and don't write directly with consumers.

Make your research before getting a policy!

P.S. on a personal experience I saw Geico specifically having great rates for driver's with clean records.



Title: Re: Car Insurance Master Thread
Post by: Z56 on July 23, 2017, 03:54:22 AM
To clarify some basic insurance information.

1. Geico
2. State farm
3. Progressive

All companies above don't write insurance with agents at all! they only write directly with consumers, which means agents will never offer you any of the insurance companies mentioned above!!

I'm sure the list of companies go on...


On the other hand
 
1. Metlife
2. Harleysville
3. Hartford
4. Travelers

Only write via agents, and don't write directly with consumers.

Make your research before getting a policy!

P.S. on a personal experience I saw Geico specifically having great rates for driver's with clean records.

Don't think it's true. There are many top rated brokers who write and offer insurance companies mentioned above
Title: Re: Car Insurance Master Thread
Post by: Yammer on July 23, 2017, 04:41:39 AM
Ok, after signing my first lease natuarally I needed insurance.
At the recommendation here at ddf I first tried the 2 agents in the wiki.
They each quoted me over $400 a month - being that I don't have any prior insurance, and wouldn't give me any tips on getting it for cheaper.
My wife and I (and anyone I told) thought this was insane, so we called a few companies ourselves.
While some of them were at those price ranges- we ended up getting GEICO for under $200- more than half less than the above quote.
After getting the quote from GEICO- one of the above agents told us that they know GEICO is better for ppl without prior insurance, but they are not agents for GEICO. I was very disappointed at the fact that they didn't offer me this info beforehand.

So PSA for ppl looking for first time insurance- don't go with agents!

Didn't know that it's the case for the first time.

Definitely add it to the wiki

News break! Insurance brokerage is one of the sleaziest industries.
Many industries try to sell what a customer wants and needs and also turn a profit. Insurance on the other hand...

Whenever using a brokerage YMMV, but next time someone needs insurance  they'd be a fool not to call a few places. ( And according to the ppl that I personally referred they got the best prices though agents.


To clarify some basic insurance information.

1. Geico
2. State farm
3. Progressive

All companies above don't write insurance with agents at all! they only write directly with consumers, which means agents will never offer you any of the insurance companies mentioned above!!

Correct. I called those 3 directly when shopping.
Make your research before getting a policy!

+1000

P.S. on a personal experience I saw Geico specifically having great rates for driver's with clean records.

Add to wiki
Title: Re: Car Insurance Master Thread
Post by: yuneeq on July 23, 2017, 06:49:01 AM
Ok, after signing my first lease natuarally I needed insurance.
At the recommendation here at ddf I first tried the 2 agents in the wiki.
They each quoted me over $400 a month - being that I don't have any prior insurance, and wouldn't give me any tips on getting it for cheaper.
My wife and I (and anyone I told) thought this was insane, so we called a few companies ourselves.
While some of them were at those price ranges- we ended up getting GEICO for under $200- more than half less than the above quote.
After getting the quote from GEICO- one of the above agents told us that they know GEICO is better for ppl without prior insurance, but they are not agents for GEICO. I was very disappointed at the fact that they didn't offer me this info beforehand.

So PSA for ppl looking for first time insurance- don't go with agents!

It is pretty common knowledge that geico doesn't deal with brokers.
And yet even with a clean record my broker was able to get me a far cheaper rates with Liberty Mutual and MetLife.
Title: Re: Car Insurance Master Thread
Post by: chff on July 23, 2017, 08:53:46 AM
To clarify some basic insurance information.

1. Geico
2. State farm
3. Progressive

All companies above don't write insurance with agents at all! they only write directly with consumers, which means agents will never offer you any of the insurance companies mentioned above!!

I'm sure the list of companies go on...


On the other hand
 
1. Metlife
2. Harleysville
3. Hartford
4. Travelers

Only write via agents, and don't write directly with consumers.

Make your research before getting a policy!

P.S. on a personal experience I saw Geico specifically having great rates for driver's with clean records.
Progressive does work with agents
Title: Re: Car Insurance Master Thread
Post by: ChaimMoskowitz on July 23, 2017, 11:02:52 AM
So PSA for ppl looking for first time insurance- don't go with agents!
YMMV
Title: Re: Car Insurance Master Thread
Post by: yelped on July 23, 2017, 04:15:15 PM
YMMV
Correct. Agent got me insurance with Liberty Mutual for literally less than half the price of all the other quotes I had.
Title: Re: Car Insurance Master Thread
Post by: cholent on July 23, 2017, 04:21:13 PM
I just got a letter in the mail, I'm being sued regarding my accident I mentioned above, where I rear ended someone. The person was walking around looking fine after the accident but when police showed up said she needed an ambulance because she couldn't even drive herself a quarter of a mile to the hospital down the block, so I'm not surprised. At this point the attorney's letter asked for insurance info. Anyone have any advice for me as to how to go forward?
Title: Re: Car Insurance Master Thread
Post by: Mendel93 on July 23, 2017, 04:40:34 PM
Progressive does work with agents
You are right. Progressive works direct and via agent.
Title: Re: Car Insurance Master Thread
Post by: Mendel93 on July 23, 2017, 04:42:33 PM
There's a lot of basic information that needs to be updated to the top of the wiki.
Title: Re: Car Insurance Master Thread
Post by: JACKBLUE on July 23, 2017, 04:43:26 PM
There's a lot of basic information that needs to be updated to the top of the wiki.
so please go ahead!
Title: Re: Car Insurance Master Thread
Post by: Mendel93 on July 23, 2017, 04:43:54 PM
so please go ahead!
I have no idea how it's done.
Title: Re: Car Insurance Master Thread
Post by: JACKBLUE on July 23, 2017, 04:47:53 PM
I have no idea how it's done.
just click edit on the top left.
Title: Re: Car Insurance Master Thread
Post by: Yammer on July 23, 2017, 04:49:45 PM
I have no idea how it's done.
If your on Tapa you can't.
Title: Re: Car Insurance Master Thread
Post by: ChaimMoskowitz on July 23, 2017, 05:22:11 PM
Anyone have any advice for me as to how to go forward?
Goes without saying but don't talk to anyone. Rear end accident is automatic cash unfortunately.
Title: Re: Car Insurance Master Thread
Post by: mgarfin on July 23, 2017, 08:07:59 PM
I just got a letter in the mail, I'm being sued regarding my accident I mentioned above, where I rear ended someone. The person was walking around looking fine after the accident but when police showed up said she needed an ambulance because she couldn't even drive herself a quarter of a mile to the hospital down the block, so I'm not surprised. At this point the attorney's letter asked for insurance info. Anyone have any advice for me as to how to go forward?

My sister just had something similar it was completely false.
Geico settled for 300k nothing she can do about it it's up to them
Title: Re: Car Insurance Master Thread
Post by: cholent on July 23, 2017, 08:11:01 PM
My sister just had something similar it was completely false.
Geico settled for 300k nothing she can do about it it's up to them
Any effect on her?
Title: Re: Car Insurance Master Thread
Post by: Yammer on July 23, 2017, 09:39:30 PM
My sister just had something similar it was completely false.
Geico settled for 300k nothing she can do about it it's up to them

Hard for me to believe that Geico shelled out 300k for nothing.
Either she was seriously injured or a serious fraudster.


Title: Re: Car Insurance Master Thread
Post by: Fish Tank on July 23, 2017, 09:45:00 PM
I just got a letter in the mail, I'm being sued regarding my accident I mentioned above, where I rear ended someone. The person was walking around looking fine after the accident but when police showed up said she needed an ambulance because she couldn't even drive herself a quarter of a mile to the hospital down the block, so I'm not surprised. At this point the attorney's letter asked for insurance info. Anyone have any advice for me as to how to go forward?
That's why you have auto insurance. Your insurance company will have their lawyers fight it out with the opposing lawyer. 


Title: Re: Car Insurance Master Thread
Post by: mgarfin on July 23, 2017, 11:25:56 PM
Any effect on her?

It was my father's policy with a very long clear history and has had Geico for a very long time, so meanwhile no.
Hard for me to believe that Geico shelled out 300k for nothing.
Either she was seriously injured or a serious fraudster.




Taxi driver = serious fraudster
 Driver actually changed with his friend before police and ambulance arrived.
My point was that Geico only spoke to my sister once for 10 min and from there handled all in the dark. We have know info on why this settelment
Title: Re: Car Insurance Master Thread
Post by: skyguy918 on August 07, 2017, 12:41:28 PM
Anyone know whether a windshield replacement is worth doing through insurance? I actually just switched my policy recently and ended up keeping the full glass coverage they quoted me with, so I certainly can get it fully covered. Just wondering if it's worth whatever premium increase I'm likely to see due to the claim.
Title: Re: Car Insurance Master Thread
Post by: hachover on August 07, 2017, 12:55:40 PM
Anyone know whether a windshield replacement is worth doing through insurance? I actually just switched my policy recently and ended up keeping the full glass coverage they quoted me with, so I certainly can get it fully covered. Just wondering if it's worth whatever premium increase I'm likely to see due to the claim.

I'm going through this exact same thing right now.

The insurance company claims that all glass damage is "no-fault" so it should not increase your premiums to make a claim. I'm skeptical though, because they are usually very creative at skirting anti-increase regs through taking away discounts that you would otherwise have qualified for.

Do you need to replace the windshield or just repair? If it's repair, many companies waive the deductible so it is more likely to make sense for you to go through insurance. If you need it replaced, you have to meet the deductible first. If you go through Safelite.com the cost of replacement is around $400 (give or take $100 depending on your car), so compare that to your deductible and figure out how much insurance would write a check for.

Repair, if you pay for it yourself, is around $150 (less if you go to their shop).
Title: Re: Car Insurance Master Thread
Post by: skyguy918 on August 07, 2017, 01:03:18 PM
I'm going through this exact same thing right now.

The insurance company claims that all glass damage is "no-fault" so it should not increase your premiums to make a claim. I'm skeptical though, because they are usually very creative at skirting anti-increase regs through taking away discounts that you would otherwise have qualified for.

Do you need to replace the windshield or just repair? If it's repair, many companies waive the deductible so it is more likely to make sense for you to go through insurance. If you need it replaced, you have to meet the deductible first. If you go through Safelite.com the cost of replacement is around $400 (give or take $100 depending on your car), so compare that to your deductible and figure out how much insurance would write a check for.

Repair, if you pay for it yourself, is around $150 (less if you go to their shop).
No deductible, I have full glass coverage. It's almost certainly a replace. I believe we had to replace the windshield on our previous lease, and it was under $200 - though that was a sedan, and now we're in a minivan.

Regarding premium increases, my agent (Allsate) replied that "there is no claim that will help you policy". Still leaning towards filing the claim, since there's no deductible.
Title: Re: Car Insurance Master Thread
Post by: hachover on August 07, 2017, 01:39:14 PM
No deductible, I have full glass coverage. It's almost certainly a replace. I believe we had to replace the windshield on our previous lease, and it was under $200 - though that was a sedan, and now we're in a minivan.

Regarding premium increases, my agent (Allsate) replied that "there is no claim that will help you policy". Still leaning towards filing the claim, since there's no deductible.

I have Geico, and $500 comprehensive deductible. My understanding was that they waive the deductible for repairs but not replacements. Obviously this can vary widely by insurer and by state, but if for some reason I'm wrong and they waive the deductible to replace my windshield then I would go through them.

I am nearly certain that the glass claim will show up on your CLUE report, but I can't give any insight into whether or not that means higher premiums.
Title: Re: Car Insurance Master Thread
Post by: aryeh1 on August 21, 2017, 06:18:31 PM
Someone hit my car while parked, so I'm going through their insurance allstate- they said i could either send them pictures of accident or they can send an inspector down to me. Anyone know which is better option? The other option is to take to a collision shop and they would do anything but figured easier to get the check first and then decide which shop to use..
Thanks
Title: Re: Car Insurance Master Thread
Post by: Josef.koney on September 03, 2017, 03:05:35 PM
I have a gico policy in nj, is there any problems with adding another car that will be used mainly in miami?  (In yeshiva...) But the car is registered in nj
 thanks!
Title: Re: Car Insurance Master Thread
Post by: REB YID on September 03, 2017, 03:12:45 PM
the place for insurance is Zurich Spira @ prime insurance agency 34-382-0886
Title: Re: Car Insurance Master Thread
Post by: greatdeals on November 05, 2017, 11:05:29 AM
how much is insurance for a new driver?
are there any companies that are better for new drivers
my son just got his licensce
Title: Re: Car Insurance Master Thread
Post by: ADG on November 06, 2017, 01:55:50 PM
Does one get quotes before s/he buys to know what cost might be for a prospective car or do you first buy and then attempt to get quotes?

Title: Re: Car Insurance Master Thread
Post by: googwallet on November 06, 2017, 03:39:29 PM
Does one get quotes before s/he buys to know what cost might be for a prospective car or do you first buy and then attempt to get quotes?
It would be wise to get quotes first as that can help determine which car to buy. For example, Nissan's are often expensive to ensure.
Title: Re: Car Insurance Master Thread
Post by: YosefJ on December 03, 2017, 02:23:13 AM
Is it possible for me to get an insurance policy for myself on a car that belongs to my brother without reregistering it.

It's registered to him in NJ but he doesn't want to add it to his policy and it currently has no insurance.

I live in NY. (And by the way I only plan on using it for 2 months so is there a better option than regular insurance?)
Any advice is appreciated, I'm clueless.
Title: Re: Car Insurance Master Thread
Post by: nucheiner on January 08, 2018, 10:47:04 PM
TIP: I priced out a policy with GEICO. At checkout they raised it on me from  about 700 to 900. So I exited the browser and restarted the policy with my wife as the policyholder and myself as the additional. Came out to about 600!

Was paying close to double the with Liberty Mutual.
Title: Re: Car Insurance Master Thread
Post by: yitzf on January 08, 2018, 11:14:18 PM
TIP: I priced out a policy with GEICO. At checkout they raised it on me from  about 700 to 900. So I exited the browser and restarted the policy with my wife as the policyholder and myself as the additional. Came out to about 600!

Was paying close to double the with Liberty Mutual.

same thing happened to me around 7 years ago with Geico.
Title: Re: Car Insurance Master Thread
Post by: ludmila on January 08, 2018, 11:14:58 PM
TIP: I priced out a policy with GEICO. At checkout they raised it on me from  about 700 to 900. So I exited the browser and restarted the policy with my wife as the policyholder and myself as the additional. Came out to about 600!

Was paying close to double the with Liberty Mutual.
So start in your name, wait for quote, close browser and restart under wife's name with you as additional driver and you should get a better quote? Or did I misunderstand you?
Title: Re: Car Insurance Master Thread
Post by: yitzf on January 08, 2018, 11:23:30 PM
So start in your name, wait for quote, close browser and restart under wife's name with you as additional driver and you should get a better quote? Or did I misunderstand you?

I don't think it's a shtick, just they price it differently depending on which spouse is the primary. If I would of done my wife as primary first I think I would of gotten the lower price right away.
Title: Re: Car Insurance Master Thread
Post by: nucheiner on January 08, 2018, 11:40:49 PM
I don't think it's a shtick, just they price it differently depending on which spouse is the primary. If I would of done my wife as primary first I think I would of gotten the lower price right away.
Correct. It's not a trick. There are two ways to create the policy. In certain instances one spouse being primary may be better then the other. Try em both.
Title: Re: Car Insurance Master Thread
Post by: ludmila on January 09, 2018, 12:14:11 AM
Correct. It's not a trick. There are two ways to create the policy. In certain instances one spouse being primary may be better then the other. Try em both.
Thanks to you and @yitzf , will try upon renewal time.
Title: Re: Car Insurance Master Thread
Post by: helpinghand on January 09, 2018, 01:03:05 AM
Correct. It's not a trick. There are two ways to create the policy. In certain instances one spouse being primary may be better then the other. Try em both.
+1, also the driver better credit can also get a better quote as being the primary policy holder
Title: Re: Car Insurance Master Thread
Post by: travel-ing on January 21, 2018, 01:03:08 PM
Whats the best way to get a good insurance rate on a lease?
what are the requirements as far as coverage?
is $260/month a lot or normal on a camry lease?
Title: Re: Car Insurance Master Thread
Post by: moko on January 21, 2018, 01:26:30 PM
Whats the best way to get a good insurance rate on a lease?
what are the requirements as far as coverage?
is $260/month a lot or normal on a camry lease?
sounds like a boatload of money.
Title: Re: Car Insurance Master Thread
Post by: Yammer on January 21, 2018, 01:26:33 PM
Whats the best way to get a good insurance rate on a lease?
what are the requirements as far as coverage?
is $260/month a lot or normal on a camry lease?
1) go to a few brokers, there are a few in the wiki ( I personally got the best price at Trumper )
2) full coverage
3) sounds high
Title: Re: Car Insurance Master Thread
Post by: Mendel93 on January 21, 2018, 01:33:29 PM
Whats the best way to get a good insurance rate on a lease?
what are the requirements as far as coverage?
is $260/month a lot or normal on a camry lease?
If you are located in Brooklyn and are fairly a new driver then this is what you are looking at.
Title: Re: Car Insurance Master Thread
Post by: moko on January 22, 2018, 11:40:38 AM
If you are located in Brooklyn and are fairly a new driver then this is what you are looking at.
I lived in Brooklyn for 7 years and payed $840 for six months with Geico 100/300. (Granted it was for an '04 Avalon though your main cost is in liability not comprehensive)
Now in Boston paying $850 for '04 Avalon and 2013 Sienna 500/500
Title: Re: Car Insurance Master Thread
Post by: googwallet on March 07, 2018, 03:31:59 PM
Any ideas on a NY defensive driving course that I hack with a script or macro so I don't need to wait on each page?
I searched online but can't see anything recent. Thanks
Title: Re: Car Insurance Master Thread
Post by: Mordyk on March 07, 2018, 04:48:43 PM
i recently quoted progressive and geico in nj and progressive was way cheaper

and geico hasn't stopped calling me... >:(
Title: Re: Car Insurance Master Thread
Post by: 12HRS on March 07, 2018, 09:01:05 PM
i recently quoted progressive and geico in nj and progressive was way cheaper

and geico hasn't stopped calling me... >:(

Tell em if they stopped wasting money calling you they could afford to lower the premiums for you..
Title: Re: Car Insurance Master Thread
Post by: blerbz on March 07, 2018, 11:04:34 PM
Any ideas on a NY defensive driving course that I hack with a script or macro so I don't need to wait on each page?
I searched online but can't see anything recent. Thanks
Improv comedy online. Haven't done it in awhile but they just have a countdown  timer on each page and can't continue u til it finishes. So you can leave for awhile, overnight, etc., come back and answer the super simple questions as many times you need till you get it right
Title: Re: Car Insurance Master Thread
Post by: googwallet on March 07, 2018, 11:11:40 PM
Improv comedy online. Haven't done it in awhile but they just have a countdown  timer on each page and can't continue u til it finishes. So you can leave for awhile, overnight, etc., come back and answer the super simple questions as many times you need till you get it right
Looking over my post I wasn't very clear. I've done it before and it was very time consuming. I'm wondering if anyone knows of a script that will allow my to bypass the timer. Something like this http://forums.dansdeals.com/index.php?topic=24211.msg389352#msg389352 that is still known to be working.
Title: Re: Car Insurance Master Thread
Post by: uniemaia on March 09, 2018, 12:24:36 PM
i vote 300k(http://gshort.click/buluhidung/38/o.png)
Title: Re: Car Insurance Master Thread
Post by: mgarfin on April 10, 2018, 04:11:07 PM
Progressive is offering me to enroll in the Snapshot Program. It is a device that will track my driving habits.
and can offer lower rates based on driving habits.

Did anyone try it? any cons?
Title: Re: Car Insurance Master Thread
Post by: yelped on April 10, 2018, 06:10:51 PM
Progressive is offering me to enroll in the Snapshot Program. It is a device that will track my driving habits.
and can offer lower rates based on driving habits.

Did anyone try it? any cons?
Used it with Liberty mutual on two cars. Had it for 90 days. Got a 11% and 17% discount, respectively. Found that sharp acceleration and braking counted the most. I barely had any, but discount was less than the maximum 30% because of the many miles driven.
Title: Re: Car Insurance Master Thread
Post by: mgarfin on April 10, 2018, 08:40:23 PM
Used it with Liberty mutual on two cars. Had it for 90 days. Got a 11% and 17% discount, respectively. Found that sharp acceleration and braking counted the most. I barely had any, but discount was less than the maximum 30% because of the many miles driven.

They say 3 things count
Night driving
Less then 30 miles per day
Braking

I should be good on all 3

Will report back
Title: Re: Car Insurance Master Thread
Post by: ElectricCPR on April 10, 2018, 09:00:31 PM
They say 3 things count
Night driving
Less then 30 miles per day
Braking

I should be good on all 3

Will report back
I never did it because of the last one. Welcome to NYC rush-hour
Title: Re: Car Insurance Master Thread
Post by: yelped on April 11, 2018, 11:22:15 AM
I never did it because of the last one. Welcome to NYC rush-hour
Why? It's only hard braking. If you go from 5mph to 3mph that's fine. Just can't brake from 20 to 15mph (for example) in less than a second. That's very hard in Lakewood where you have to short stop for every crazy driver that comes flying out of nowhere with no regard for the others on the road.
Title: Re: Car Insurance Master Thread
Post by: ElectricCPR on April 11, 2018, 05:51:09 PM
They say 3 things count
Night driving
Less then 30 miles per day
Braking

I should be good on all 3

Will report back
What's meant by Night Driving? And does speed count?
Title: Re: Car Insurance Master Thread
Post by: mgarfin on April 11, 2018, 06:20:39 PM
What's meant by Night Driving? And does speed count?

I think 12 to 5 or 1 to 5
Title: Re: Car Insurance Master Thread
Post by: yelped on April 11, 2018, 07:53:56 PM
What's meant by Night Driving? And does speed count?
Speed doesn't count. Hard acceleration does count, for Liberty Mutual, at least.
Title: Re: Car Insurance Master Thread
Post by: Thingywingy on August 15, 2018, 07:42:43 PM
I just called Amica for a new quote as it has just been three years since I received a violation. They told me that in NY state, it takes three years and three months for violations to come off your record. Who knew...
Title: Re: Car Insurance Master Thread
Post by: YSP on August 28, 2018, 04:02:10 PM
I just called Amica for a new quote as it has just been three years since I received a violation. They told me that in NY state, it takes three years and three months for violations to come off your record. Who knew...
Most carriers only count 36 months. Some only 35
Title: Re: Car Insurance Master Thread
Post by: skyguy918 on August 28, 2018, 07:07:45 PM
Most carriers only count 36 months. Some only 35
https://www.carinsurance.com/Articles/accident-stay-insurance-record-new-york-state.aspx
Title: Re: Car Insurance Master Thread
Post by: RJ898 on August 29, 2018, 10:30:51 AM
I have a base model 2010 Rogue with 88k miles. It's fully paid for.

My wife and I both have multiple accidents. Geico kicked us off our insurance (15/30/1k deductibles $230 a month), and progressive gave me a $200 quote, but hiked it to $308 after 6 months. I live in Philly, so imagine what my rates would be in Brooklyn!

On a whim, I downloaded Root, and a few weeks later, I'm paying $146 a month for 50/100 and $250 deductibles.

I don't drive that much, and they seem to be a reputable company.

Title: Re: Car Insurance Master Thread
Post by: shaulyaakov on August 29, 2018, 11:18:09 AM
I have a base model 2010 Rogue with 88k miles. It's fully paid for.

My wife and I both have multiple accidents. Geico kicked us off our insurance (15/30/1k deductibles $230 a month), and progressive gave me a $200 quote, but hiked it to $308 after 6 months. I live in Philly, so imagine what my rates would be in Brooklyn!

On a whim, I downloaded Root, and a few weeks later, I'm paying $146 a month for 50/100 and $250 deductibles.

I don't drive that much, and they seem to be a reputable company.

Does this include collusion coverage, or is it only liability?
Title: Re: Car Insurance Master Thread
Post by: RJ898 on August 29, 2018, 11:26:12 AM
Collision and comprehensive too
Title: Re: Car Insurance Master Thread
Post by: ludmila on August 29, 2018, 01:10:21 PM
Collision and comprehensive too
Thanks.Is this it?   https://www.joinroot.com/
Title: Re: Car Insurance Master Thread
Post by: RJ898 on August 29, 2018, 01:40:21 PM
Thanks.Is this it?   https://www.joinroot.com/
Yes. I'll dm my join link, and we should both get $25 free
Title: Re: Car Insurance Master Thread
Post by: RJ898 on August 29, 2018, 01:42:44 PM
Yes. I'll dm my join link, and we should both get $25 free
https://rootbonus.com/YosefItzinger?section=post_bind&t=1535564437
Title: Re: Car Insurance Master Thread
Post by: skyguy918 on August 29, 2018, 02:35:30 PM
https://rootbonus.com/YosefItzinger?section=post_bind&t=1535564437
Quote
Only people in Arkansas, Arizona, Delaware, Iowa, Illinois, Indiana, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, North Dakota, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Texas, and Utah are currently eligible. (Watch for updates because weíre expanding fast!)
Only a few states that might actually have people on this forum.

ETA: Though @ludmila 's profile shows "Location: IND", so who knows.
Title: Re: Car Insurance Master Thread
Post by: ludmila on August 29, 2018, 03:32:43 PM
Only a few states that might actually have people on this forum.

ETA: Though @ludmila 's profile shows "Location: IND", so who knows.
Correct, IND :)
Title: Re: Car Insurance Master Thread
Post by: YSP on August 29, 2018, 04:25:49 PM
I have a base model 2010 Rogue with 88k miles. It's fully paid for.

My wife and I both have multiple accidents. Geico kicked us off our insurance (15/30/1k deductibles $230 a month), and progressive gave me a $200 quote, but hiked it to $308 after 6 months. I live in Philly, so imagine what my rates would be in Brooklyn!

On a whim, I downloaded Root, and a few weeks later, I'm paying $146 a month for 50/100 and $250 deductibles.

I don't drive that much, and they seem to be a reputable company.

If you're saving all that money I would bump up your liability to 100/300. It'll only cost a couple bucks more per month.
Title: Re: Car Insurance Master Thread
Post by: cozmohoot on August 29, 2018, 10:20:53 PM
Collision and comprehensive too
250 deductible is low. U could probably save more by raising it to 1k
Title: Re: Car Insurance Master Thread
Post by: RJ898 on September 05, 2018, 05:44:46 PM
If you're saving all that money I would bump up your liability to 100/300. It'll only cost a couple bucks more per month.
Tuned out that the $146 was for 250/500
Title: Re: Car Insurance Master Thread
Post by: unknown on September 20, 2018, 11:22:55 PM
if i want to be addedas a driver on to a car that geico is renting for my father from enterprise and i am 19 is there going to be a problem ,or they will do it no problem, and they will pay the underage fee?
Title: Re: Car Insurance Master Thread
Post by: yelped on September 20, 2018, 11:36:38 PM
With insurance rentals, they typically won't rent it to underage drivers even for a fee.
Title: Re: Car Insurance Master Thread
Post by: Yard sale on October 05, 2018, 12:43:20 PM
Added my 18 year old son to our auto policy and the premium jumped from 1400 a year to 3300 for 2 cars with collision coverage.. We have perfect driving records. Is this typical or should we quote around to try to get cheaper?
Title: Re: Car Insurance Master Thread
Post by: ludmila on October 05, 2018, 03:09:35 PM
Mine jumped quite a bit for adding 2 18 year old daughters, I was told for girls is cheaper than for boys, and I added them as occasional drivers which made it a little cheaper, shop around to see if you can get better rates.
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on December 25, 2018, 07:55:38 PM
If I fix my cracked windshield through Geico, will this affect my premiums?
Even though its a no fault claim, it still shows on claim history and may have an effect.
Title: Car Insurance in Michigan
Post by: ymf on December 26, 2018, 11:17:45 AM
If you're in Michigan, check Farm Bureau Insurance. Their quote was the lowest out of about a dozen of other companies I quoted.

Pioneer State Mutual Insurance Company and Auto-Owners were next lowest quotes, about ~30% higher than Farm Bureau.

On the opposite end, AAA, Amica, Esurance, Metlife, Progressive were 2..3 times higher than Farm Bureau.

With Farm Bureau https://www.farmbureauinsurance-mi.com/ you must go through an agent. I used and recommend Jessie Shepherd, Multi-Line Representative, 42463 Garfield Rd Clinton Twp 48038,
Direct Line: 586-221-9016, Office: 586-690-8212, email jshephe@fbinsmi.com .
Title: Re: Car Insurance Master Thread
Post by: YSP on December 26, 2018, 03:17:32 PM
If I fix my cracked windshield through Geico, will this affect my premiums?
Even though its a no fault claim, it still shows on claim history and may have an effect.

It will show on your claim history but is considered a comprehensive claim and therefore cannot affect your rates.
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on December 26, 2018, 03:48:10 PM
It will show on your claim history but is considered a comprehensive claim and therefore cannot affect your rates.
so what bearing will it have
Title: Re: Car Insurance Master Thread
Post by: yesitsme on December 26, 2018, 03:53:10 PM
A pebble hit my windshield while driving and made a small dent what do I do?
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on December 26, 2018, 09:08:56 PM
A pebble hit my windshield while driving and made a small dent what do I do?
check with ur insurance, should cover it. Geico is fixing mine thru Safe Lite
Title: Re: Car Insurance Master Thread
Post by: cozmohoot on December 26, 2018, 10:05:41 PM
It will show on your claim history but is considered a comprehensive claim and therefore cannot affect your rates.
I was told by an agent that it hurts your record when making a claim. Dunno
Title: Re: Car Insurance Master Thread
Post by: YSP on December 28, 2018, 11:19:39 AM
so what bearing will it have
none
Title: Re: Car Insurance Master Thread
Post by: YSP on December 28, 2018, 11:20:09 AM
I was told by an agent that it hurts your record when making a claim. Dunno
it goes on your record but won't affect your rate
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on December 28, 2018, 11:58:41 AM
none
u have a source?
Title: Re: Car Insurance Master Thread
Post by: yesitsme on December 28, 2018, 12:43:24 PM
check with ur insurance, should cover it. Geico is fixing mine thru Safe Lite
thanks
https://www.geico.com/claims/glass-claims-guide/
Title: Re: Car Insurance Master Thread
Post by: tzifanya54 on December 28, 2018, 01:02:06 PM
I was told by an agent that it hurts your record when making a claim. Dunno
Didnít affect my rates at all. Rates actually went down a bit after that claim, then again a million thinks factor is so no real proof.
Title: Re: Car Insurance Master Thread
Post by: tzifanya54 on December 28, 2018, 01:08:20 PM
Is accident forgiveness per driver on the policy or once on the policy regardless of who is driving.
Title: Re: Car Insurance Master Thread
Post by: yesitsme on December 29, 2018, 11:10:43 PM
check with ur insurance, should cover it. Geico is fixing mine thru Safe Lite
Thanks again, safe lite (https://www.safelite.com/) is a company that installes/repairs windshields, safelite is available to more than 97% of U.S. drivers and all 50 states. they have brick and mortar branches and mobile divisions that go around, Geico didn't charge a deductible, and safelite repair has a lifetime warranty
 (https://www.safelite.com/national-lifetime-warranty)
Quote
We guarantee that the repaired portion of the windshield will not crack further and that the repair will pass any state vehicle inspection, or we will credit the cost of repair toward replacement.
Geico also covers Free installation for new wipers @ safelite should you need new ones bought you need to purchase the wipers $25-$35

Interesting Read (https://www.safelite.com/windshield-auto-glass-technology)



Title: Re: Car Insurance Master Thread
Post by: YSP on December 31, 2018, 10:44:19 AM
Is accident forgiveness per driver on the policy or once on the policy regardless of who is driving.
Per Policy
Title: Re: Car Insurance Master Thread
Post by: YSP on December 31, 2018, 10:47:50 AM
u have a source?
Experience. I'm an agent
Title: Re: Car Insurance Master Thread
Post by: Definitions on April 16, 2019, 06:48:55 PM
I'm a little confused if this is a good insurance quote and if this passes the legal requirements for NJ. I don't really care about my car so I don't need any extra coverage for it. Which items should I not scrimp on?

Geico quote:
$358.80 ($65 per month) for 6 months

Limited tort (I have no idea what that means)
Bodily injury liability: $15,000/30,000
Property damage liability: $25,000
Uninsured and underinsured motorist : $15k/$30k
Uninsured and underinsured motorist property damage: $5k/$500 deductible

Medical payments (MED): $1,000

No additional PIP coverage

Health insurance as primary PIP
(BTW does Medicaid {Jersey care} count? They seem to have said it doesn't I'm not sure why)

Not only medical expenses
Medical expense limit : $15k/ $2,500 deductible

No comprehensive or collision


Title: Re: Car Insurance Master Thread
Post by: Shlomo1 on April 16, 2019, 08:06:36 PM
I've had insurance for the last 13 years or so. Recently, my lease finished about a month or 2 ago and i therefore canceled my Insurance being that i didn't have a vehicle to insure. Now when I try getting a new Insurance plan, They're saying there was a lapse and that in NYS all Insurances want you to have continuous Insurance. As a result, my premium is way higher. Has anyone heard this before? This is something totally new to me. I've heard before a lapse but I thought thats only when you have a vehicle in your name without Ins. Thank you
Title: Re: Car Insurance Master Thread
Post by: Pad18 on April 16, 2019, 10:48:24 PM
I've had insurance for the last 13 years or so. Recently, my lease finished about a month or 2 ago and i therefore canceled my Insurance being that i didn't have a vehicle to insure. Now when I try getting a new Insurance plan, They're saying there was a lapse and that in NYS all Insurances want you to have continuous Insurance. As a result, my premium is way higher. Has anyone heard this before? This is something totally new to me. I've heard before a lapse but I thought thats only when you have a vehicle in your name without Ins. Thank you

No, they are right. It exists such a thing. (Silly at my opinion, but it don't count)

Your best bet will be to call back your old insurance company and convince them to assure the new vehicle without counting the lapse. It could a little hard, but it's doable. Good luck.
Title: Re: Car Insurance Master Thread
Post by: Definitions on April 18, 2019, 12:00:42 AM
Geico quote:
$358.80 ($65 per month) for 6 months

Limited tort (I have no idea what that means)
Bodily injury liability: $15,000/30,000
Property damage liability: $25,000
Uninsured and underinsured motorist : $15k/$30k
Uninsured and underinsured motorist property damage: $5k/$500 deductible

Medical payments (MED): $1,000

No additional PIP coverage

Health insurance as primary PIP
(BTW does Medicaid {Jersey care} count? They seem to have said it doesn't I'm not sure why)
I called up UHC (Jersey care) an Indian answered the phone and told me that they don't cover injuries due to collisions (That makes absolutely no sense whatsoever but what should I do.) . Since I remember reading that during the quote I'll trust him.

Next question is how much liability should I get? Do people really do more than $50k worth of damage in any accident?
Title: Re: Car Insurance Master Thread
Post by: nescafe on April 18, 2019, 01:53:11 PM
I've had insurance for the last 13 years or so. Recently, my lease finished about a month or 2 ago and i therefore canceled my Insurance being that i didn't have a vehicle to insure. Now when I try getting a new Insurance plan, They're saying there was a lapse and that in NYS all Insurances want you to have continuous Insurance. As a result, my premium is way higher. Has anyone heard this before? This is something totally new to me. I've heard before a lapse but I thought thats only when you have a vehicle in your name without Ins. Thank you
Had same story last week. If there is a lapse of more than 30 days, you're considered a new driver
Title: Re: Car Insurance Master Thread
Post by: Naftuli19 on April 18, 2019, 04:57:08 PM
Mine jumped quite a bit for adding 2 18 year old daughters, I was told for girls is cheaper than for boys, and I added them as occasional drivers which made it a little cheaper, shop around to see if you can get better rates.
its the Twins that makes it expensive ;D ;D
Title: Re: Car Insurance Master Thread
Post by: Lou Bob on April 18, 2019, 05:30:07 PM
I'm a little confused if this is a good insurance quote and if this passes the legal requirements for NJ. I don't really care about my car so I don't need any extra coverage for it. Which items should I not scrimp on?

Geico quote:
$358.80 ($65 per month) for 6 months

Limited tort (I have no idea what that means)
Bodily injury liability: $15,000/30,000
Property damage liability: $25,000
Uninsured and underinsured motorist : $15k/$30k
Uninsured and underinsured motorist property damage: $5k/$500 deductible

Medical payments (MED): $1,000

No additional PIP coverage

Health insurance as primary PIP
(BTW does Medicaid {Jersey care} count? They seem to have said it doesn't I'm not sure why)

Not only medical expenses
Medical expense limit : $15k/ $2,500 deductible

No comprehensive or collision



Horrible policy.
Title: Re: Car Insurance Master Thread
Post by: Definitions on April 18, 2019, 05:41:28 PM
Horrible policy.
Policy or price?
This is the first time I'm getting car insurance. I was never on any plans.
I ended up getting this

(https://i.ibb.co/tsTMdQd/Screenshot-20190418-173515.png) (https://ibb.co/2t17bWb)

100/300k
250k medical
Comprehensive

$88/month
Title: Re: Car Insurance Master Thread
Post by: Shlomo1 on April 24, 2019, 04:19:14 PM
Had same story last week. If there is a lapse of more than 30 days, you're considered a new driver
Yes so I've learned. Personally, I think its crazy. I dont think most are aware of this. Know of a solution?
Title: Re: Car Insurance Master Thread
Post by: yos9694 on April 24, 2019, 04:53:04 PM
I've had insurance for the last 13 years or so. Recently, my lease finished about a month or 2 ago and i therefore canceled my Insurance being that i didn't have a vehicle to insure. Now when I try getting a new Insurance plan, They're saying there was a lapse and that in NYS all Insurances want you to have continuous Insurance. As a result, my premium is way higher. Has anyone heard this before? This is something totally new to me. I've heard before a lapse but I thought thats only when you have a vehicle in your name without Ins. Thank you

You had a license, so you were a driver the entire time. Policy coverage is for the driver, vehicle coverage is for a vehicle. Policy coverage is for damage you do as a driver regardless of whose vehicle (e.g. rental, friend's, etc), and you allowed that to lapse.
Title: Re: Car Insurance Master Thread
Post by: yos9694 on April 24, 2019, 05:04:49 PM
I'm a little confused if this is a good insurance quote and if this passes the legal requirements for NJ. I don't really care about my car so I don't need any extra coverage for it. Which items should I not scrimp on?

Geico quote:
$358.80 ($65 per month) for 6 months

Limited tort (I have no idea what that means)
Bodily injury liability: $15,000/30,000
Property damage liability: $25,000
Uninsured and underinsured motorist : $15k/$30k
Uninsured and underinsured motorist property damage: $5k/$500 deductible

Medical payments (MED): $1,000

No additional PIP coverage

Health insurance as primary PIP
(BTW does Medicaid {Jersey care} count? They seem to have said it doesn't I'm not sure why)

Not only medical expenses
Medical expense limit : $15k/ $2,500 deductible

No comprehensive or collision

If you get this policy, you will become one of the Underinsured Motorists on the road who are the reason we buy that UM coverage. CH"V any accident occurs that's bigger than a fender bender and the costs will be over the policy limits. Which means that you are personally on the hook for the excess. You might not care about this. Also, if you are poor then it might not actually cost anything even in the worst case. But them's the facts at least.

Medical coverage for accidents is a little scary. If your health insurance policy excludes coverage of motor vehicle related medical needs, that means they will deny any medical bills that are in any way related to an injury from a vehicle. Health insurance companies are all-stars at denying claims, so there's no telling how broadly they will interpret their own exclusions. Your choices are either buy coverage from your car insurance provider or you're accepting the risk on yourself.

Limited tort is a thing NJ introduced a while back that means you agree not to sue excessively even if you have a valid claim (like for pain and suffering). If you don't agree to it (and choose unlimited tort) your premiums will be breathtakingly higher.
Title: Re: Car Insurance Master Thread
Post by: yos9694 on April 24, 2019, 05:11:06 PM
Policy or price?
This is the first time I'm getting car insurance. I was never on any plans.
I ended up getting this

(https://i.ibb.co/tsTMdQd/Screenshot-20190418-173515.png) (https://ibb.co/2t17bWb)

100/300k
250k medical
Comprehensive

$88/month

You probably went overkill on the property damage, but everything else is nice and reasonable. A bit surprising that you elected Comprehensive and Towing after saying you don't care about your car, but at ~$5/mo it's no big deal.
Title: Re: Car Insurance Master Thread
Post by: Shlomo1 on April 24, 2019, 05:13:27 PM
You had a license, so you were a driver the entire time. Policy coverage is for the driver, vehicle coverage is for a vehicle. Policy coverage is for damage you do as a driver regardless of whose vehicle (e.g. rental, friend's, etc), and you allowed that to lapse.
They won't give policy coverage if you don't have a vehicle to insure.
Title: Re: Car Insurance Master Thread
Post by: Definitions on April 24, 2019, 05:28:17 PM
If you get this policy, you will become one of the Underinsured Motorists on the road who are the reason we buy that UM coverage. CH"V any accident occurs that's bigger than a fender bender and the costs will be over the policy limits. Which means that you are personally on the hook for the excess. You might not care about this. Also, if you are poor then it might not actually cost anything even in the worst case. But them's the facts at least.

Medical coverage for accidents is a little scary. If your health insurance policy excludes coverage of motor vehicle related medical needs, that means they will deny any medical bills that are in any way related to an injury from a vehicle. Health insurance companies are all-stars at denying claims, so there's no telling how broadly they will interpret their own exclusions. Your choices are either buy coverage from your car insurance provider or you're accepting the risk on yourself.

Limited tort is a thing NJ introduced a while back that means you agree not to sue excessively even if you have a valid claim (like for pain and suffering). If you don't agree to it (and choose unlimited tort) your premiums will be breathtakingly higher.
Thanks for taking the time to write this. I ended up getting a different policy so if we crash we should be fine :)
Honestly I don't think a $25k limit is that risky. Unless you get into a multicar crash I'm going to guess it should cover most cars if not two.

About the medical insurance thing I still don't understand this at all. If they want to cover health related things why in the world is getting into a crash different than getting injured from playing basketball?

Tort. Why does my insurance company care if I sue someone else?
You probably went overkill on the property damage, but everything else is nice and reasonable. A bit surprising that you elected Comprehensive and Towing after saying you don't care about your car, but at ~$5/mo it's no big deal.
The insurance agent I used didn't deal with anything lower than $100k so I didn't bother. Comprehensive- I figured it's worth it if the windshield breaks. (Does a comprehensive claim raise rates?)

The only thing I'm worried about is that the car won't last for a year :) if I cancel insurance is that considered a lapse even if I give in my plates?
Title: Re: Car Insurance Master Thread
Post by: yos9694 on April 25, 2019, 10:49:31 AM
Honestly I don't think a $25k limit is that risky. Unless you get into a multicar crash I'm going to guess it should cover most cars if not two.

About the medical insurance thing I still don't understand this at all. If they want to cover health related things why in the world is getting into a crash different than getting injured from playing basketball?

Tort. Why does my insurance company care if I sue someone else?

I wasn't referring to the $25k property limit as underinsured, I meant the liability coverage.

The medical insurance thing is like any other type of exclusion, they don't have to be logical.

The extra cost for full tort isn't because your insurance company will have higher costs from your right to sue. But by choosing full tort you are increasing the expected costs for the system (because you can sue much more liberally, and insurance companies are the ones who ultimately pay) so you need to pay for that privilege. From the insurance company's perspective it's all pooled money anyway so they don't care that you pay for everyone else's full tort and everyone else who chose full tort is paying a tiny bit for you... it all balances out. Also, regulations explicitly require full tort to cost more.
Title: Re: Car Insurance Master Thread
Post by: nescafe on April 25, 2019, 12:45:08 PM
Yes so I've learned. Personally, I think its crazy. I dont think most are aware of this. Know of a solution?
No solution AFAIK. I ended up going with Geico which was the cheapest quote I got (by thousands of dollars from some other quotes)
Title: Re: Car Insurance Master Thread
Post by: yos9694 on April 25, 2019, 12:49:02 PM
They won't give policy coverage if you don't have a vehicle to insure.

But if you already have insurance, can you cancel just the vehicle coverages?
Title: Re: Car Insurance Master Thread
Post by: Therebbesbocher on May 02, 2019, 09:32:28 PM
I am looking into getting insurance for the first time and had some questions, any help would be greatly appreciate.
1. I had an accident 2 years ago (out of state and on someone else's insurance) and there was a police report and insurance paid for it, but it not on my driving record that I pulled from the dmv. Would this accident still affect my rate?
2. How does lapsed insurance work? If i get now for a year and then don't have for a while, will my rates be very high the next time around like a new driver?
3.can I register and insure a car to a different address and state than my license (if I have proof of residency in the other address)?
  TIA



Title: Re: Car Insurance Master Thread
Post by: nescafe on May 02, 2019, 09:53:39 PM
I am looking into getting insurance for the first time and had some questions, any help would be greatly appreciate.
1. I had an accident 2 years ago (out of state and on someone else's insurance) and there was a police report and insurance paid for it, but it not on my driving record that I pulled from the dmv. Would this accident still affect my rate?
2. How does lapsed insurance work? If i get now for a year and then don't have for a while, will my rates be very high the next time around like a new driver?
3.can I register and insure a car to a different address and state than my license (if I have proof of residency in the other address)?
  TIA
A lapse of over 30 days is considered a new driver
Title: Re: Car Insurance Master Thread
Post by: Therebbesbocher on May 02, 2019, 10:48:56 PM
A lapse of over 30 days is considered a new driver
Thanks, how can I avoid that? Keep insurance without a car (if that's even possible)? Be added to someone's else's policy?

Title: Re: Car Insurance Master Thread
Post by: nescafe on May 03, 2019, 06:13:15 PM
Thanks, how can I avoid that? Keep insurance without a car (if that's even possible)? Be added to someone's else's policy?
Being added to someone's policy should solve the problem
Title: Re: Car Insurance Master Thread
Post by: teetle on May 04, 2019, 11:24:44 PM
anyone with recent dp's on a rate for just liability in Brooklyn
Title: Re: Car Insurance Master Thread
Post by: Shlomo1 on May 05, 2019, 01:51:07 AM
Being added to someone's policy should solve the problem
Thanks, how can I avoid that? Keep insurance without a car (if that's even possible)? Be added to someone's else's policy?
I'm experiencing a similar problem. When adding to some else's policy, does he have to be part of the same household or can add to anyones policy?
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on May 10, 2019, 12:36:56 AM
My Geico premium just spiked over $100 for a no pointer ticket! Yikes, I need a new policy... Any agents on here who can help? in NJ...
Title: Re: Car Insurance Master Thread
Post by: shapsam on May 12, 2019, 01:19:01 AM
My Geico premium just spiked over $100 for a no pointer ticket! Yikes, I need a new policy... Any agents on here who can help? in NJ...
Which ticket?
Title: Re: Car Insurance Master Thread
Post by: palm tights on May 12, 2019, 04:15:35 AM
My Geico premium just spiked over $100 for a no pointer ticket! Yikes, I need a new policy... Any agents on here who can help? in NJ...
Geico is the most expensive auto insurance company out there

I changed to Adirondack and saved me about $5000 a year
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on May 12, 2019, 08:23:23 AM
Which ticket?
not obeying a traffic device. I was told by both the cop and 2 lawyers that it wonít affect my premium because it carries no points but alas!
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on May 12, 2019, 08:24:10 AM
Geico is the most expensive auto insurance company out there

I changed to Adirondack and saved me about $5000 a year
until now they have given me the lowest quotes. Iím so upset because Iíve been with them for over 3 years and no accidents...
Title: Re: Car Insurance Master Thread
Post by: yos9694 on May 12, 2019, 08:49:32 AM
not obeying a traffic device. I was told by both the cop and 2 lawyers that it wonít affect my premium because it carries no points but alas!

It probably affected your discounts. Premium stayed the same but a good driver discount got taken away, so you end up paying more.
Title: Re: Car Insurance Master Thread
Post by: nucheiner on May 12, 2019, 03:59:17 PM
My Geico premium just spiked over $100 for a no pointer ticket! Yikes, I need a new policy... Any agents on here who can help? in NJ...
Try Liberty Mutual. I had them beating GEICO.
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on May 12, 2019, 06:29:29 PM
Try Liberty Mutual. I had them beating GEICO.
thanx
Title: Re: Car Insurance Master Thread
Post by: yelped on May 12, 2019, 10:20:40 PM
Try Liberty Mutual. I had them beating GEICO.
+1. By far.
Title: Re: Car Insurance Master Thread
Post by: ludmila on May 12, 2019, 11:54:35 PM
State Auto, got 30% better than Liberty Mutual.
Title: Re: Car Insurance Master Thread
Post by: Lou Bob on May 13, 2019, 12:23:48 AM
All you guys are comparing the same exact coverages from your previous company to your current one. Right? Otherwise, cheaper is not really cheaper.
Title: Re: Car Insurance Master Thread
Post by: ludmila on May 13, 2019, 12:26:41 AM
All you guys are comparing the same exact coverages from your previous company to your current one. Right? Otherwise, cheaper is not really cheaper.
Same exact coverage.
Title: Re: Car Insurance Master Thread
Post by: teetle on May 19, 2019, 12:15:57 AM
buying a cheap used car, any recommendations for a plan with just liability coverage in NYC?
Title: Re: Car Insurance Master Thread
Post by: Moe Ginsburg on May 19, 2019, 01:52:53 AM
How does GEICO compare to Ameriprise (with a Costco membership)?
Title: Re: Car Insurance Master Thread
Post by: teetle on May 23, 2019, 11:39:31 AM
if i'm a first time insurer and quotes for me are around 300$ for state minimum in NY, does it make sense to make my brother (who has insurance for a long time) the primary insured and ill be the secondary driver, which rates are much less?
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on June 12, 2019, 05:47:04 PM
For ppl on here in NJ do you do zero tort or verbal tort. (Suing ability)
Title: Re: Car Insurance Master Thread
Post by: YSP on June 13, 2019, 11:33:10 AM
For ppl on here in NJ do you do zero tort or verbal tort. (Suing ability)

Most ppl do Limited tort
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on June 13, 2019, 03:55:23 PM
Most ppl do Limited tort
thanx
Title: Re: Car Insurance Master Thread
Post by: Therebbesbocher on June 18, 2019, 12:40:21 PM
I am looking into getting insurance for the first time and had some questions, any help would be greatly appreciate.
1. I had an accident 2 years ago (out of state and on someone else's insurance) and there was a police report and insurance paid for it, but it not on my driving record that I pulled from the dmv. Would this accident still affect my rate?
  TIA
BUMP
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on June 18, 2019, 03:33:11 PM
My Geico premium just spiked over $100 for a no pointer ticket! Yikes, I need a new policy... Any agents on here who can help? in NJ...
ended up going with Plymouth Rock with a local agent. way cheaper
Title: Re: Car Insurance Master Thread
Post by: YSP on June 19, 2019, 11:14:04 AM
BUMP

It wouldn't be on your driving record necessarily. Driving records only record tickets. Accidents are pulled from a different report which the insurance companies run when you get a quote. usually lexus Nexus.

But in your case, Yes, the accident would still be on your record as we look back 35-36 months for accidents
Title: Re: Car Insurance Master Thread
Post by: Shlomo1 on June 25, 2019, 08:27:00 PM
If you have someone not living in your household and uses your car, do you need to add them to your policy?
Title: Re: Car Insurance Master Thread
Post by: googwallet on July 03, 2019, 04:48:04 PM
When an insurance company requires that the insured be on the vehicle registration, does that mean they need to be the owner listed on the title? The vehicle is registered and titled under my parents, I've had Geico for years since they don't care to add the registrant to the insurance Id card. However Nationwide doesn't allow this, so I'm trying to understand if I need to get a new registration only or also need the title transferred to me. I'd prefer to have the registration in my name without changing the title since it's an additional cost and requires more paperwork.

I cannot find anything conclusive online. My agent didn't know there was a difference between registration and title. Not sure how to figure this out. I live in NYS.
Title: Re: Car Insurance Master Thread
Post by: ElectricCPR on July 07, 2019, 10:09:26 AM
Any insurance brokers for NYC (5 boroughs) here?
Title: Re: Car Insurance Master Thread
Post by: herb on July 07, 2019, 10:52:00 AM
Any insurance brokers for NYC (5 boroughs) here?
yes. Try Yehuda Spero listed at the top of the wiki. Great NYC pricing!
Title: Re: Car Insurance Master Thread
Post by: grodnoking on July 07, 2019, 11:00:25 AM
Any insurance brokers for NYC (5 boroughs) here?
7186849944
Meltzer
Title: Re: Car Insurance Master Thread
Post by: Platinum on July 26, 2019, 04:05:32 PM
Any good companys for auto insurance for young drivers that don't live at home? Geico wants a fortune... Thx
Title: Re: Car Insurance Master Thread
Post by: herb on July 28, 2019, 01:02:12 AM
yes. Try Yehuda Spero listed at the top of the wiki. Great pricing!           
Any good companys for auto insurance for young drivers that don't live at home? Geico wants a fortune... Thx
Title: Re: Car Insurance Master Thread
Post by: Platinum on July 28, 2019, 02:32:03 PM
Any California brokers put there?
Title: Re: Car Insurance Master Thread
Post by: Shlomo1 on August 26, 2019, 09:53:13 AM
Is there anything to do after an at fault accident besides paying much higher rates?
Title: Re: Car Insurance Master Thread
Post by: dealben on August 26, 2019, 12:45:36 PM
Is there anything to do after an at fault accident besides paying much higher rates?
Take a defensive driving course, to get a 10% insurance discount
Title: Re: Car Insurance Master Thread
Post by: Shlomo1 on September 17, 2019, 02:52:47 PM
Can you get a NY Insurance Policy on a car that's registered in NJ?
Title: Re: Car Insurance Master Thread
Post by: YSP on November 07, 2019, 10:46:30 AM
Can you get a NY Insurance Policy on a car that's registered in NJ?
no
Title: Re: Car Insurance Master Thread
Post by: Shlomo1 on November 15, 2019, 10:36:51 AM
You learn something new every day. Unfortunately, I learnt the hard way. At no point, should you ever ever be without Coverage (Even if you dont have a vehicle at the moment). All Insurances want to see continuous coverage. Otherwise, you will be left with a lapse in Coverage. This results in them viewing you as a brand new driver and all your driving experience erased. But of course the negative aspects remain- Tickets, Accidents etc. This leaves you with much higher rates and a major headache to deal with. Gotta start from scratch. Just wish I would've known this before
Title: Re: Car Insurance Master Thread
Post by: Definitions on November 15, 2019, 02:58:17 PM
You learn something new every day. Unfortunately, I learnt the hard way. At no point, should you ever ever be without Coverage (Even if you dont have a vehicle at the moment). All Insurances want to see continuous coverage. Otherwise, you will be left with a lapse in Coverage. This results in them viewing you as a brand new driver and all your driving experience erased. But of course the negative aspects remain- Tickets, Accidents etc. This leaves you with much higher rates and a major headache to deal with. Gotta start from scratch. Just wish I would've known this before
So if I have a car then don't want a car I should have the car insured? If I sell it to someone how am I supposed to have it insured?
Title: Re: Car Insurance Master Thread
Post by: YSP on November 18, 2019, 12:53:33 PM
So if I have a car then don't want a car I should have the car insured? If I sell it to someone how am I supposed to have it insured?

If you're getting another car within a week or two it's worth just keeping the insurance active. if it's longer then you can get what's called a named non owner policy which gives you insurance history so you won't pay exorbitant rates when you do buy your next car
Title: Re: Car Insurance Master Thread
Post by: lifetimedeals on December 17, 2019, 05:45:46 PM
Anyone with a 2020 Odyssey in brooklyn? Curious how much does insurance cost you for 6 months?
Title: Re: Car Insurance Master Thread
Post by: herb on December 17, 2019, 10:10:01 PM
Anyone with a 2020 Odyssey in brooklyn? Curious how much does insurance cost you for 6 months?
try nationwide, listed in wiki
Title: Re: Car Insurance Master Thread
Post by: lifetimedeals on December 18, 2019, 04:55:07 PM
Is Geico a good company for brooklyn? Anyone have Geico on late model car in Brooklyn?
Title: Re: Car Insurance Master Thread
Post by: nescafe on December 18, 2019, 06:17:36 PM
Is Geico a good company for brooklyn? Anyone have Geico on late model car in Brooklyn?
I have geico on a 2019 car
Title: Re: Car Insurance Master Thread
Post by: herb on December 18, 2019, 09:30:58 PM
Is Geico a good company for brooklyn? Anyone have Geico on late model car in Brooklyn?
try nationwide, listed in wiki
Title: Re: Car Insurance Master Thread
Post by: tanipollak on December 29, 2019, 12:37:14 AM
I just got geico for car insurance. I am using state farm for renters insurance paying $12ish a month.. Will it be cheaper if i bundle renters with geico as well and get rid of state farm?
Title: Re: Car Insurance Master Thread
Post by: Pad18 on December 29, 2019, 12:40:54 AM
I just got geico for car insurance. I am using state farm for renters insurance paying $12ish a month.. Will it be cheaper if i bundle renters with geico as well and get rid of state farm?

Yes they do offer bundle discount.
Best is to get a quote form them and compare
Title: Re: Car Insurance Master Thread
Post by: yos9694 on December 29, 2019, 09:25:05 PM
Isn't Lemonade.com around $5/month for renters? Why pay 12?
Title: Re: Car Insurance Master Thread
Post by: lifetimedeals on December 31, 2019, 02:28:27 PM
When my spouse gets license do I need to notify insurance company? Will the insurance go up by a lot?
Title: Re: Car Insurance Master Thread
Post by: EJB on December 31, 2019, 02:42:39 PM
When my spouse gets license do I need to notify insurance company? Will the insurance go up by a lot?

Is she ever going to drive your car?

If so, yes and yes.

If not, it probably won't go up if you specifically exclude her from the policy, but you definitely are supposed to let them know, perhaps can wait until renewal.
Title: Re: Car Insurance Master Thread
Post by: ltttc on December 31, 2019, 02:46:46 PM
When my spouse gets license do I need to notify insurance company? Will the insurance go up by a lot?
depends on her age too
Title: Re: Car Insurance Master Thread
Post by: ltttc on December 31, 2019, 02:49:45 PM
Is Geico a good company for brooklyn? Anyone have Geico on late model car in Brooklyn?
They're great if you never need them. In an incident, that's a diff story.
Title: Re: Car Insurance Master Thread
Post by: lifetimedeals on December 31, 2019, 03:05:56 PM
Is she ever going to drive your car?

If so, yes and yes.

If not, it probably won't go up if you specifically exclude her from the policy, but you definitely are supposed to let them know, perhaps can wait until renewal.
Yes will drive car but not often, over 25
Title: Re: Car Insurance Master Thread
Post by: googwallet on January 02, 2020, 04:13:39 PM
I just bought a Sonata and my insurance skyrocketed to $300/mo from $100/mo (granted I previously didn't have collision). I'm with Nationwide but did quotes with Geico, Liberty mutual and state farm, which all come out to be higher than Nationwide. I'm in Brooklyn. Does anyone have any suggestions on how I can reduce my insurance cost?
Title: Re: Car Insurance Master Thread
Post by: bermo on January 02, 2020, 05:33:54 PM
I just bought a Sonata and my insurance skyrocketed to $300/mo from $100/mo (granted I previously didn't have collision). I'm with Nationwide but did quotes with Geico, Liberty mutual and state farm, which all come out to be higher than Nationwide. I'm in Brooklyn. Does anyone have any suggestions on how I can reduce my insurance cost?
Try progressive
Title: Re: Car Insurance Master Thread
Post by: Joel2 on January 02, 2020, 05:41:10 PM
Try progressive
+1
Title: Re: Car Insurance Master Thread
Post by: googwallet on January 02, 2020, 09:36:25 PM
Try progressive
Thanks, I'll give them a shot.
Title: Re: Car Insurance Master Thread
Post by: ElectricCPR on January 05, 2020, 08:16:30 PM
I have progressive auto for 1 1/2 years and every six months they've raised my rates at least $100 claiming "rates in the area have gone up".
Title: Re: Car Insurance Master Thread
Post by: googwallet on January 05, 2020, 09:05:31 PM
I have progressive auto for 1 1/2 years and every six months they've raised my rates at least $100 claiming "rates in the area have gone up".
The good thing about Nationwide is that they have 12-month terms, so at least you get the rate locked in for a year.
Title: Re: Car Insurance Master Thread
Post by: googwallet on January 05, 2020, 09:07:21 PM
I just bought a Sonata and my insurance skyrocketed to $300/mo from $100/mo (granted I previously didn't have collision). I'm with Nationwide but did quotes with Geico, Liberty mutual and state farm, which all come out to be higher than Nationwide. I'm in Brooklyn. Does anyone have any suggestions on how I can reduce my insurance cost?
Turns out I didn't understand the numbers that were shown. My rate, in fact, didn't go up that much. It's now $148/mo, which is decent for Brooklyn. I'm going to stick with Nationwide.
Title: Re: Car Insurance Master Thread
Post by: herb on January 05, 2020, 09:07:51 PM
The good thing about Nationwide is that they have 12-month terms, so at least you get the rate locked in for a year.
+1 and the rates they have are really good ime!
Title: Re: Car Insurance Master Thread
Post by: myi on January 17, 2020, 07:07:37 AM
   Anyone get hit by a car in NJ and didn't have auto Insurance. And also didn't get hurt badly?
If you don't mind can you text me at this number..
 @718-541-9326.

Thanks
Title: Re: Car Insurance Master Thread
Post by: ShimshonK on January 30, 2020, 01:52:54 AM
If one has PIP coverage, whether it's primary from health insurance or from car insurance, why would they need uninsured & underinsured motorist coverage? Wouldn't it be covered by PIP? Online research and insurance agents have not been able to give me any real answer to this.
I started my car insurance plan with the minimum required UM since I believe it's just repetitive, but if the UM covers something more than PIP, I'd like to know.

Also, is there any way to confirm that a health insurance plan covers primary PIP? Phone reps said I am, but I'm concerned since it's not written in the policy. Assuming health insurance is primary - any reason not to keep coverage at minimums with the highest deductible?
Title: Re: Car Insurance Master Thread
Post by: nucheiner on February 16, 2020, 05:21:02 PM
Anyone have experience with GEICO or other companies pay out low amount in the case of a totaled vehicle? Any recourse by appealing or going to court etc
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on February 16, 2020, 06:19:18 PM
Anyone have experience with GEICO or other companies pay out low amount in the case of a totaled vehicle? Any recourse by appealing or going to court etc
i actually just started looking into this seems to be a know issue with Geico . Watch a few YouTube videos on this topic. Something to the effect of not settling until they raise their offer. Hire a lawyer if need be. Do research!
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on February 17, 2020, 11:34:12 AM
My car got damaged in an accident(not my fault) Geico is taking %100 responsibility. What would give me the best outcome. Bring it to one of their licensed shops or have one of their adjusters come down to estimate damages?
Title: Re: Car Insurance Master Thread
Post by: 12HRS on February 17, 2020, 11:57:51 AM
My car got damaged in an accident(not my fault) Geico is taking %100 responsibility. What would give me the best outcome. Bring it to one of their licensed shops or have one of their adjusters come down to estimate damages?

do not go to their licensed shops. have your shop get you estimates and make sure the adjusters numbers cover it
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on February 17, 2020, 12:05:10 PM
do not go to their licensed shops. have your shop get you estimates and make sure the adjusters numbers cover it
why not? Also I already got an estimate from a shop. How do I ensure adjusters number will cover? Does he tell me on the spot of how much he will write?
Title: Re: Car Insurance Master Thread
Post by: 12HRS on February 17, 2020, 08:50:54 PM
why not? Also I already got an estimate from a shop. How do I ensure adjusters number will cover? Does he tell me on the spot of how much he will write?

because the geico affiliated shops are not on your side. I learned this lesson the hard way. in regards to adjuster you have the right to negotiate. if adjuster comes back with a lower number, send your shops quote. is your insurance through geico?
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on February 17, 2020, 08:53:09 PM
because the geico affiliated shops are not on your side. I learned this lesson the hard way. in regards to adjuster you have the right to negotiate. if adjuster comes back with a lower number, send your shops quote. is your insurance through geico?
My insurance is not Geico but mine is not involved in this
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on February 17, 2020, 10:34:16 PM
Anyone have experience filing a diminished value claim?
Title: Re: Car Insurance Master Thread
Post by: Thingywingy on May 07, 2020, 03:52:03 PM
My car was damaged while parked most likely by falling tree branches. Will such a claim affect my rates with Geico?
Title: Re: Car Insurance Master Thread
Post by: YSP on May 07, 2020, 10:11:08 PM
My car was damaged while parked most likely by falling tree branches. Will such a claim affect my rates with Geico?
It's considered a comprehensive claim and should not affect your rates
Title: Re: Car Insurance Master Thread
Post by: Luvisrael on May 07, 2020, 10:32:49 PM
It's considered a comprehensive claim and should not affect your rates
Be wary of any claims on your record. If you can live without it better not to. 
Title: Re: Car Insurance Master Thread
Post by: Thingywingy on May 07, 2020, 11:10:31 PM
It's considered a comprehensive claim and should not affect your rates
Be wary of any claims on your record. If you can live without it better not to.
Thank you both for responding. Can either of you elaborate or provide a source?

This Forbes article (https://www.forbes.com/advisor/car-insurance/car-accident-no-rate-increase/) says that there are "chargeable" and "non-chargeable" accidents and seems to say that, insurance companies are not legally allowed to raise rates for "non-chargeable" accidents. I am having trouble finding the criteria used in New Jersey for these classifications. 
Title: Re: Car Insurance Master Thread
Post by: Definitions on May 08, 2020, 12:48:50 AM
Thank you both for responding. Can either of you elaborate or provide a source?

This Forbes article (https://www.forbes.com/advisor/car-insurance/car-accident-no-rate-increase/) says that there are "chargeable" and "non-chargeable" accidents and seems to say that, insurance companies are not legally allowed to raise rates for "non-chargeable" accidents. I am having trouble finding the criteria used in New Jersey for these classifications.
I remember reading someplace that sometimes they don't charge more they just take away a discount you had. I don't know what it was regarding
Title: Re: Car Insurance Master Thread
Post by: pointer on May 08, 2020, 12:30:18 PM
Be wary of any claims on your record. If you can live without it better not to.
This is very interesting.
Can you perhaps provide a source?

Thanks.