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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 318687 times)

Offline ludmila

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Re: Car Insurance Master Thread
« Reply #1040 on: August 29, 2018, 01:10:21 PM »
Collision and comprehensive too
Thanks.Is this it?   https://www.joinroot.com/
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Offline RJ898

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Re: Car Insurance Master Thread
« Reply #1041 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
Part of the vast right wing conspiracy.

Offline RJ898

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Re: Car Insurance Master Thread
« Reply #1042 on: August 29, 2018, 01:42:44 PM »
Part of the vast right wing conspiracy.

Offline skyguy918

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Re: Car Insurance Master Thread
« Reply #1043 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 we’re 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.

Offline ludmila

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Re: Car Insurance Master Thread
« Reply #1044 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 :)
I was the Best,still the Best, and will always be the Best.
Pele Good,Maradona Better, George Best.

Offline YSP

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Re: Car Insurance Master Thread
« Reply #1045 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.

Offline cozmohoot

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Re: Car Insurance Master Thread
« Reply #1046 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

Offline RJ898

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Re: Car Insurance Master Thread
« Reply #1047 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
Part of the vast right wing conspiracy.

Offline unknown

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Re: Car Insurance Master Thread
« Reply #1048 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?

Offline yelped

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Re: Car Insurance Master Thread
« Reply #1049 on: September 20, 2018, 11:36:38 PM »
With insurance rentals, they typically won't rent it to underage drivers even for a fee.

Offline Yard sale

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Re: Car Insurance Master Thread
« Reply #1050 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?

Offline ludmila

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Re: Car Insurance Master Thread
« Reply #1051 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.
I was the Best,still the Best, and will always be the Best.
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Offline Luvisrael

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Re: Car Insurance Master Thread
« Reply #1052 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.
« Last Edit: December 25, 2018, 08:17:09 PM by Luvisrael »

Offline ymf

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Car Insurance in Michigan
« Reply #1053 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 .

Offline YSP

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Re: Car Insurance Master Thread
« Reply #1054 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.

Offline Luvisrael

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Re: Car Insurance Master Thread
« Reply #1055 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

Offline yesitsme

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Re: Car Insurance Master Thread
« Reply #1056 on: December 26, 2018, 03:53:10 PM »
A pebble hit my windshield while driving and made a small dent what do I do?
["-"]

Offline Luvisrael

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Re: Car Insurance Master Thread
« Reply #1057 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

Offline cozmohoot

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Re: Car Insurance Master Thread
« Reply #1058 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

Offline YSP

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Re: Car Insurance Master Thread
« Reply #1059 on: December 28, 2018, 11:19:39 AM »