Car Insurance Master Thread

[YSP]

 I know of a case where a son was not on his father's insurance and was driving his friends car and got in an accident, the victim came after the fathers insurance bc the son lived at home. In the end the fathers insurance didn't pay out bc the father owned a 2 family house and proved that his son lived in the other apt.

Your coverage will never extend to another car that you are driving unless it is rented to you or a driver on your policy. The father's insurance wouldn't have paid even if the father would have been driving . Med pay is different. That falls under PIP and PIP covers you in another car.

[neveryou]

Did the son have his own insurance policy? You should clarify. If the son had his own policy but the victim wanted a bite of the father's (richer) coverage, then props to the father for successfully defending himself.

If the son did not have his own policy, then the story sounds so close to fraud that you probably shouldn't say it out loud. Did the father really prefer that his son be an uninsured party in an accident involving injury/property damage? That would risk jail time/losing his license

The son didn't have his own policy, if he doesn't live at the household than the fathers insurance won't pay out but if he lives at the fathers household (same apt) than his father's insurance covers him but like I said earlier if something were to happen the insurance can and will decide non renew you. 

[WonderingYid]

No, you got it wrong, allstate pays out.

 Whoever is telling you allstate doesn't pay is fake news. I've seen them pay on the spot for claims.

They wanted to know if the son lived at home with the father. The father didn't want allstate to pay out bc than his premium goes up so the father had to prove that the son doesn't live with him

They pay out if they have to.

If it's grey area like a son not on a father's plan, then good luck.

[aryeh1]

Is combining car insurance cheaper when getting married?

[YSP]

Is combining car insurance cheaper when getting married?

Usually. There's a discount for being married and a multi car discount.

[aryeh1]

If having a joint policy, do we both need to complete the driver defense course or one of us enough to get the drivers discount?

And anyone know which one is good one?

[avromie7]

If having a joint policy, do we both need to complete the driver defense course or one of us enough to get the drivers discount?

And anyone know which one is good one?

The primary driver on each car. It can be the same person.

[Realshlomo]

I tried 5minuteinsure that's listed in the wiki. -1

Anyone have a different legitimate website that shops for the best rate? Vs me inputting my info for the top 10 companies.

[WonderingYid]

Anyone have a different legitimate website that shops for the best rate? Vs me inputting my info for the top 10 companies.

TBH don't think it exists. All these websites just redirect you.

Try all the big guys on their websites. State Farm, Geico, Progressive, etc.

[shmu]

I tried 5minuteinsure that's listed in the wiki. -1

Anyone have a different legitimate website that shops for the best rate? Vs me inputting my info for the top 10 companies.

I used Gabi after I was thrown off gieco because we had 2 fenders in a short period. We got a policy with safeco.
I'm no maven just my experience

[Realshlomo]

TBH don't think it exists. All these websites just redirect you.

Try all the big guys on their websites. State Farm, Geico, Progressive, etc.

Was hoping it was invented. Guess that's what I'll do. Thanks.

[yos9694]

It was invented. 15-20 years ago there were sites that gave 3 or more quotes for entering your info once. Then it was ended. Probably because it made shopping around too easy for consumers

[Reb Moshe]

I tried 5minuteinsure that's listed in the wiki. -1

Anyone have a different legitimate website that shops for the best rate? Vs me inputting my info for the top 10 companies.

https://www.5minuteinsure.com instantly compares quotes between multiple carriers and they don't sell your information.

You can get Auto, Home or Bundle policy.

As far as Geico is concerned, they don't participate in any independent agents selling their products, similar to the way Southwest Airlines doesn't participate in Expedia.

P.S. They have a very cool Learning center for Insurance https://www.5minuteinsure.com/learning-center/

[yos9694]

https://www.5minuteinsure.com instantly compares quotes between multiple carriers and they don't sell your information.

You can get Auto, Home or Bundle policy.

As far as Geico is concerned, they don't participate in any independent agents selling their products, similar to the way Southwest Airlines doesn't participate in Expedia.

P.S. They have a very cool Learning center for Insurance https://www.5minuteinsure.com/learning-center/

Thanks for sharing that link. But their quotes disappoint me- 50/100k is robust coverage? And the prices are through the roof compared to other quotes I just got yesterday for higher limits.

[Realshlomo]

Thanks for sharing that link. But their quotes disappoint me- 50/100k is robust coverage? And the prices are through the roof compared to other quotes I just got yesterday for higher limits.

Hence the -1

[Realshlomo]

https://www.5minuteinsure.com instantly compares quotes between multiple carriers and they don't sell your information.

You can get Auto, Home or Bundle policy.

As far as Geico is concerned, they don't participate in any independent agents selling their products, similar to the way Southwest Airlines doesn't participate in Expedia.

P.S. They have a very cool Learning center for Insurance https://www.5minuteinsure.com/learning-center/

I tried it and found it to be worthless.

I'm looking for a website that will price the top 10 insurance agencies for me.

[yos9694]

Hence the -1

Still appreciate that he shared it, was worth a try

[Realshlomo]

Still appreciate that he shared it, was worth a try

Listed in Wiki as well I stated it in my post.

But ok.

[WonderingYid]

I'm looking for a website that will price the top 10 insurance agencies for me.

No such a thing.

[Reb Moshe]

I tried it and found it to be worthless.

I'm looking for a website that will price the top 10 insurance agencies for me.

They are constantly adding more carriers in more states. Insurance goes by state and carrier. There are over 30 carriers thus far. OH, MI, IN currently have the most carriers.

I recently saw someone save 30% from their Geico in FL.