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When signing up for auto insurance, make sure you know what coverage you're getting, and what your deductibles are.

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Poll

How much liability insurance do you think is prudent?

Statutory minimum
41 (16.1%)
100k
61 (23.9%)
200k
17 (6.7%)
300k
72 (28.2%)
500k
37 (14.5%)
750k
2 (0.8%)
1m
16 (6.3%)
more than 1m
9 (3.5%)

Total Members Voted: 255

Author Topic: Car Insurance Master Thread  (Read 318718 times)

Offline googwallet

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Re: Car Insurance Master Thread
« Reply #1020 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

Offline Mordyk

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Re: Car Insurance Master Thread
« Reply #1021 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... >:(
#TYH

Offline 12HRS

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Re: Car Insurance Master Thread
« Reply #1022 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..

Offline blerbz

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Re: Car Insurance Master Thread
« Reply #1023 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

Offline googwallet

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Re: Car Insurance Master Thread
« Reply #1024 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.

Offline uniemaia

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Re: Car Insurance Master Thread
« Reply #1025 on: March 09, 2018, 12:24:36 PM »
i vote 300k

Offline mgarfin

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Re: Car Insurance Master Thread
« Reply #1026 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?

Offline yelped

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Re: Car Insurance Master Thread
« Reply #1027 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.

Offline mgarfin

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Re: Car Insurance Master Thread
« Reply #1028 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

Offline ElectricCPR

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Re: Car Insurance Master Thread
« Reply #1029 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

Offline yelped

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Re: Car Insurance Master Thread
« Reply #1030 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.

Offline ElectricCPR

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Re: Car Insurance Master Thread
« Reply #1031 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?

Offline mgarfin

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Re: Car Insurance Master Thread
« Reply #1032 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

Offline yelped

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Re: Car Insurance Master Thread
« Reply #1033 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.

Offline Thingywingy

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Re: Car Insurance Master Thread
« Reply #1034 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...
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline YSP

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Re: Car Insurance Master Thread
« Reply #1035 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

Offline skyguy918

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Offline RJ898

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Re: Car Insurance Master Thread
« Reply #1037 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.

Part of the vast right wing conspiracy.

Offline shaulyaakov

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Re: Car Insurance Master Thread
« Reply #1038 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?

Offline RJ898

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Re: Car Insurance Master Thread
« Reply #1039 on: August 29, 2018, 11:26:12 AM »
Collision and comprehensive too
Part of the vast right wing conspiracy.