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Which Insurance Broker would you recommend:

Nationwide- Yehuda Spero
443-845-9552
speroy@nationwide.com



Insurance Depot
718-921-2300
Info@insdepot.com
Recommend by -Z56


Trumper Insurance
845-356-1899

Recommend by -Yammer
« Last edited by YSP on March 06, 2019, 03:07:10 PM »

Poll

How much liability insurance do you think is prudent?

Statutory minimum
36 (16.2%)
100k
54 (24.3%)
200k
14 (6.3%)
300k
64 (28.8%)
500k
31 (14%)
750k
1 (0.5%)
1m
14 (6.3%)
more than 1m
8 (3.6%)

Total Members Voted: 222

Author Topic: Car Insurance Master Thread  (Read 198197 times)

Offline AJK

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

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

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

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

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

Offline aussiebochur

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

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

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

Hoping you guys are right...

Offline AJK

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

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

Hoping you guys are right...

Yes, they can find out about other claims.

You won't have made a claim against an insurance company...
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Offline Dan

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Re: Auto Insurance
« Reply #104 on: July 10, 2012, 12:45:38 AM »
Forked from G37x discussion.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline RJ898

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Re: Auto Insurance
« Reply #105 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  ::)
Part of the vast right wing conspiracy.

Offline puddles

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Re: Auto Insurance
« Reply #106 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?

Offline Dan

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Re: Auto Insurance
« Reply #107 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.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline puddles

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Re: Auto Insurance
« Reply #108 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?)

Offline PlatinumGuy

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Re: Auto Insurance
« Reply #109 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
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Offline KidOOO

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Re: Auto Insurance
« Reply #110 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

Offline Dan

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Re: Auto Insurance
« Reply #111 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.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline boruch

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Re: Auto Insurance
« Reply #112 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 its 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.

Offline PlatinumGuy

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Re: Auto Insurance
« Reply #113 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 its 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?
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Offline boruch

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Re: Auto Insurance
« Reply #114 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?

Offline bades

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Re: Auto Insurance
« Reply #115 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

Offline Dan

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Re: Auto Insurance
« Reply #116 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.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline bades

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Re: Auto Insurance
« Reply #117 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.....

Offline KidOOO

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Re: Auto Insurance
« Reply #118 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

Offline PlatinumGuy

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Re: Auto Insurance
« Reply #119 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?
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