Author Topic: Car Insurance Master Thread (Read 388111 times)

googwallet · « **Reply #1140 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?

bermo · « **Reply #1141 on:** January 02, 2020, 05:33:54 PM »

Quote from: 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?

Try progressive

Joel · « **Reply #1142 on:** January 02, 2020, 05:41:10 PM »

Quote from: bermo on January 02, 2020, 05:33:54 PM

Try progressive

+1

googwallet · « **Reply #1143 on:** January 02, 2020, 09:36:25 PM »

Quote from: bermo on January 02, 2020, 05:33:54 PM

Try progressive

Thanks, I'll give them a shot.

ElectricCPR · « **Reply #1144 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".

googwallet · « **Reply #1145 on:** January 05, 2020, 09:05:31 PM »

Quote from: 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".

The good thing about Nationwide is that they have 12-month terms, so at least you get the rate locked in for a year.

googwallet · « **Reply #1146 on:** January 05, 2020, 09:07:21 PM »

Quote from: 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?

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.

herb · « **Reply #1147 on:** January 05, 2020, 09:07:51 PM »

Quote from: googwallet on January 05, 2020, 09:05:31 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!

myi · « **Reply #1148 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

ShimshonK · « **Reply #1149 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?

nucheiner · « **Reply #1150 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

Luvisrael · « **Reply #1151 on:** February 16, 2020, 06:19:18 PM »

Quote from: 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

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!

Luvisrael · « **Reply #1152 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?

12HRS · « **Reply #1153 on:** February 17, 2020, 11:57:51 AM »

Quote from: 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?

do not go to their licensed shops. have your shop get you estimates and make sure the adjusters numbers cover it

Luvisrael · « **Reply #1154 on:** February 17, 2020, 12:05:10 PM »

Quote from: 12HRS on February 17, 2020, 11:57:51 AM

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?

12HRS · « **Reply #1155 on:** February 17, 2020, 08:50:54 PM »

Quote from: Luvisrael on February 17, 2020, 12:05:10 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?

Luvisrael · « **Reply #1156 on:** February 17, 2020, 08:53:09 PM »

Quote from: 12HRS on February 17, 2020, 08:50:54 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

Luvisrael · « **Reply #1157 on:** February 17, 2020, 10:34:16 PM »

Anyone have experience filing a diminished value claim?

Thingywingy · « **Reply #1158 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?

YSP · « **Reply #1159 on:** May 07, 2020, 10:11:08 PM »

Quote from: 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?

It's considered a comprehensive claim and should not affect your rates

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Author Topic: Car Insurance Master Thread (Read 388111 times)