Car Insurance Master Thread

[Luvisrael]

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. 

[Thingywingy]

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 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. 

[Definitions]

Thank you both for responding. Can either of you elaborate or provide a source?

This Forbes article 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

[pointer]

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.

[Shlomo1]

Has anyone had experience with Metromile? They seem cheaper since they base it on amount of miles driven. They're also only available in select states- NJ Yes, NY no.

[YSP]

Has anyone had experience with Metromile? They seem cheaper since they base it on amount of miles driven. They're also only available in select states- NJ Yes, NY no.

Nationwide starting offering same thing in select states. Plug in device and you pay per mile

[avadah]

Insurance newbie here. When asking for a quote, if i decline to answer by education and employment does it affect my rates?

[JACKBLUE]

Insurance newbie here. When asking for a quote, if i decline to answer by education and employment does it affect my rates?

No.

[Shlomo1]

Nationwide starting offering same thing in select states. Plug in device and you pay per mile

Do a lot of people use this? Does it actually come out to be cheaper?

[Luvisrael]

Nationwide starting offering same thing in select states. Plug in device and you pay per mile

ive been offered that with Allstate as well. IIRC it was .30 /mile? Def wasn’t worth it for me

[herb]

Do a lot of people use this? Does it actually come out to be cheaper?

up to 30%

[shmu]

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

I'ts $80

[davidd75]

anyone know if you are obligated to add teen driver to policy in NJ once they get a license?

[davidd75]

and what happens with lets say Geico if you don't add them on?

[davidd75]

How do you handle a new teenage licensed driver in your household anyway to soften or avoid the insurance rate hike?

what are some of the things you can do?

[Lurker]

How do you handle a new teenage licensed driver in your household anyway to soften or avoid the insurance rate hike?

what are some of the things you can do?

Give them their own address and tell them to get their own insurance. Saved my parents a few bucks.

Alternatively, if the insurance is in the name of a nonprofit, adding teens doesn't make it go up as much. (Doesn't apply to most people.)

[lubaby]

Give them their own address and tell them to get their own insurance. Saved my parents a few bucks.

Alternatively, if the insurance is in the name of a nonprofit, adding teens doesn't make it go up as much. (Doesn't apply to most people.)

Cheaper for a teenager to get their own insurance then to be added to the family plan? Not talking about who is paying for what, just the total overall cost..

[avromie7]

How do you handle a new teenage licensed driver in your household anyway to soften or avoid the insurance rate hike?

what are some of the things you can do?

Shop around!

[davidd75]

Give them their own address and tell them to get their own insurance. Saved my parents a few bucks.

Alternatively, if the insurance is in the name of a nonprofit, adding teens doesn't make it go up as much. (Doesn't apply to most people.)

Huh not so easy to send an 18 year old packing and why would that be cheaper anyway(if they get their own policy)?  can they get their own policy if they live with you?

[davidd75]

Shop around!

who is kind with new teenage drivers Geico?