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Which Insurance Broker would you recommend:

5MinuteInsure.com
Moshe Fishman
Online Comparison and Purchasing Platform
Recommended by - Reb Moshe


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

Poll

How much liability insurance do you think is prudent?

Statutory minimum
37 (16.4%)
100k
55 (24.3%)
200k
14 (6.2%)
300k
64 (28.3%)
500k
32 (14.2%)
750k
1 (0.4%)
1m
15 (6.6%)
more than 1m
8 (3.5%)

Total Members Voted: 226

Author Topic: Car Insurance Master Thread  (Read 217080 times)

Offline peace123

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Re: Car Insurance Master Thread
« Reply #1200 on: September 29, 2020, 01:08:32 AM »
I am with metromile. it uses a pulse device that you plug in all the time and it tracks the mileage driven. You pay a base rate  usually at least $30 a month and then 4 to 7 cents per mile driven. When I changed my car after I bought a new car, it killed my car battery and I had to get a jump. The dealer blamed that device. After 6 years with them with zero claims, they recently increased my rate during renewal  and it is now $45 base rate  and 6.5 cents per mile. I drive  very little but I need the car for my family and running errands. I may end up paying $60 a month. I checked regular car insurance rates with  many companies and they all are still higher  then my new increased rate with my current insurance company.

Offline Lou Bob

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Re: Car Insurance Master Thread
« Reply #1201 on: September 29, 2020, 01:27:29 AM »
I am with metromile. it uses a pulse device that you plug in all the time and it tracks the mileage driven. You pay a base rate  usually at least $30 a month and then 4 to 7 cents per mile driven. When I changed my car after I bought a new car, it killed my car battery and I had to get a jump. The dealer blamed that device. After 6 years with them with zero claims, they recently increased my rate during renewal  and it is now $45 base rate  and 6.5 cents per mile. I drive  very little but I need the car for my family and running errands. I may end up paying $60 a month. I checked regular car insurance rates with  many companies and they all are still higher  then my new increased rate with my current insurance company.
what coverages do you have?
Always use an Amex, you'll thank me one day.

Offline peace123

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Re: Car Insurance Master Thread
« Reply #1202 on: September 29, 2020, 01:32:13 AM »
what coverages do you have?
coverage is decent, 100k-$300k body $50k property damage, un and udnerinsured $100k$300k          $500 collision and comprehensive

Online Shlomo1

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Re: Car Insurance Master Thread
« Reply #1203 on: September 29, 2020, 11:35:57 AM »
coverage is decent, 100k-$300k body $50k property damage, un and udnerinsured $100k$300k          $500 collision and comprehensive

What State are you in? They don't offer it in every state

Offline peace123

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Re: Car Insurance Master Thread
« Reply #1204 on: September 29, 2020, 02:30:47 PM »
What State are you in? They don't offer it in every state
only in few states. yes, i am not happy they increased my base rate and per mile rate even though i have zero claim for 6 years. I am actively looking to switch to regular insurance company and i don't like the battery draining pulse device that you have to plug in.

Offline grodnoking

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Re: Car Insurance Master Thread
« Reply #1205 on: October 22, 2020, 12:51:43 PM »
What's PIP coverage with Geico?
I'm not who you think I am.

Online avromie7

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Re: Car Insurance Master Thread
« Reply #1206 on: October 22, 2020, 01:01:18 PM »
What's PIP coverage with Geico?
Personal Injury Protection.
I wonder what people who type "u" instead of "you" do with all their free time.

Offline grodnoking

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Re: Car Insurance Master Thread
« Reply #1207 on: October 22, 2020, 01:03:44 PM »
I got those words. But what does it give me? If I have great regular health insurance, do I need good PIP numbers?
I'm not who you think I am.

Online avromie7

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Re: Car Insurance Master Thread
« Reply #1208 on: October 22, 2020, 01:06:20 PM »
I got those words. But what does it give me? If I have great regular health insurance, do I need good PIP numbers?
No
I wonder what people who type "u" instead of "you" do with all their free time.

Offline pointer

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Re: Car Insurance Master Thread
« Reply #1209 on: November 18, 2020, 06:06:46 PM »
How much PPI is recommended?

Offline herb

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Re: Car Insurance Master Thread
« Reply #1210 on: November 18, 2020, 10:17:54 PM »
How much PPI is recommended?
u mean pip?
250. Make sure it's primary

Offline pointer

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Re: Car Insurance Master Thread
« Reply #1211 on: November 18, 2020, 10:25:58 PM »
u mean pip?
250. Make sure it's primary
Yes, sorry.
Why not secondary?

Offline Definitions

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Re: Car Insurance Master Thread
« Reply #1212 on: November 18, 2020, 11:45:59 PM »
No
Are you sure? I thought regular health insurance doesn't cover injuries from auto accidents (and workplace).

Offline pointer

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Re: Car Insurance Master Thread
« Reply #1213 on: November 18, 2020, 11:58:53 PM »
u mean pip?
250. Make sure it's primary
Is $150k not Sufficient?
It would save me $43 over 12 months :)

Online avromie7

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Re: Car Insurance Master Thread
« Reply #1214 on: November 19, 2020, 10:59:26 AM »
Are you sure? I thought regular health insurance doesn't cover injuries from auto accidents (and workplace).
They cover after exhausting the car insurance coverage.
I wonder what people who type "u" instead of "you" do with all their free time.

Offline coffeebean

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Re: Car Insurance Master Thread
« Reply #1215 on: November 19, 2020, 01:34:48 PM »
Anyone use Plymouth Rock?
I try to sound as intelligent as possible.

Offline EliJelly

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Re: Car Insurance Master Thread
« Reply #1216 on: November 26, 2020, 11:49:30 AM »
What's the ideal/common "Supplementary Uninsured/Underinsured Motorist (SUM) Coverage" amount in addition to having $50k in PIP?

Offline neveryou

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Re: Car Insurance Master Thread
« Reply #1217 on: November 26, 2020, 01:05:59 PM »
What's the ideal/common "Supplementary Uninsured/Underinsured Motorist (SUM) Coverage" amount in addition to having $50k in PIP?
Most people get the same amount as bodily injury.

In NY you need to be offered the same as bodily injury, you can decline it, but officially need to be offered the same amount

Online Sam Finkelstein

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Re: Car Insurance Master Thread
« Reply #1218 on: December 30, 2020, 10:06:34 AM »
Been with USAA for a bit over a year, was the cheapest option for one car. When we got a second car they doubled our rate.

Got a quote from Geico for about half of what I'm currently paying, though they don't offer accident forgiveness immediately. I have that on my current policy.

I think it's worth the savings to forgo that, but would appreciate hearing other perspectives.
Formula for success: rise early, work hard, strike oil. J. Paul Getty

Online avromie7

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Re: Car Insurance Master Thread
« Reply #1219 on: December 30, 2020, 10:26:47 AM »
Been with USAA for a bit over a year, was the cheapest option for one car. When we got a second car they doubled our rate.

Got a quote from Geico for about half of what I'm currently paying, though they don't offer accident forgiveness immediately. I have that on my current policy.

I think it's worth the savings to forgo that, but would appreciate hearing other perspectives.
Definitely make the switch.

A big insurance tactic is to include something small that people don't want to lose so they stick with you no matter the price. I believe there are some insurance companies that include cell phone insurance, and there are people who pay more for car insurance than their phone is worth to keep the cell phone insurance. It makes no sense financially, but they're great at latching on to human behavior
I wonder what people who type "u" instead of "you" do with all their free time.