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When signing up for auto insurance, make sure you know what coverage you're getting, and what your deductibles are.

Which Insurance Broker would you recommend:

5MinuteInsure.com
Moshe Fishman
Online Comparison and Purchasing Platform for Auto, Home or Bundle Insurance
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

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Poll

How much liability insurance do you think is prudent?

Statutory minimum
41 (15.6%)
100k
62 (23.7%)
200k
18 (6.9%)
300k
75 (28.6%)
500k
38 (14.5%)
750k
2 (0.8%)
1m
16 (6.1%)
more than 1m
10 (3.8%)

Total Members Voted: 262

Author Topic: Car Insurance Master Thread  (Read 387450 times)

Offline YSP

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Re: Car Insurance Master Thread
« Reply #1320 on: March 21, 2022, 03:22:12 PM »


 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.

Offline neveryou

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Re: Car Insurance Master Thread
« Reply #1321 on: March 21, 2022, 03:40:47 PM »


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. 

Offline WonderingYid

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Re: Car Insurance Master Thread
« Reply #1322 on: March 22, 2022, 11:30:00 AM »
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.

Offline aryeh1

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Re: Car Insurance Master Thread
« Reply #1323 on: May 05, 2022, 09:33:11 PM »
Is combining car insurance cheaper when getting married?

Offline YSP

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Re: Car Insurance Master Thread
« Reply #1324 on: May 06, 2022, 10:36:18 AM »
Is combining car insurance cheaper when getting married?
Usually. There's a discount for being married and a multi car discount.

Offline aryeh1

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Re: Car Insurance Master Thread
« Reply #1325 on: May 08, 2022, 01:16:55 PM »
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?

Offline avromie7

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Re: Car Insurance Master Thread
« Reply #1326 on: May 08, 2022, 04:31:28 PM »
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.
I wonder what people who type "u" instead of "you" do with all their free time.

Online Realshlomo

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Re: Car Insurance Master Thread
« Reply #1327 on: June 16, 2022, 08:16:45 PM »
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.

Offline WonderingYid

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Re: Car Insurance Master Thread
« Reply #1328 on: June 16, 2022, 08:32:38 PM »
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.

Offline shmu

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Re: Car Insurance Master Thread
« Reply #1329 on: June 16, 2022, 08:50:13 PM »
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

Online Realshlomo

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Re: Car Insurance Master Thread
« Reply #1330 on: June 16, 2022, 09:46:18 PM »
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.

Offline yos9694

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Re: Car Insurance Master Thread
« Reply #1331 on: June 17, 2022, 07:48:52 AM »
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

Offline Reb Moshe

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Re: Car Insurance Master Thread
« Reply #1332 on: July 06, 2022, 11:59:58 AM »
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/

Offline yos9694

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Re: Car Insurance Master Thread
« Reply #1333 on: July 06, 2022, 02:26:30 PM »
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.

Online Realshlomo

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Re: Car Insurance Master Thread
« Reply #1334 on: July 06, 2022, 02:28:56 PM »
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

Online Realshlomo

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Re: Car Insurance Master Thread
« Reply #1335 on: July 06, 2022, 02:34:35 PM »
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.

Offline yos9694

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Re: Car Insurance Master Thread
« Reply #1336 on: July 06, 2022, 02:43:29 PM »
Hence the -1

Still appreciate that he shared it, was worth a try

Online Realshlomo

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Re: Car Insurance Master Thread
« Reply #1337 on: July 06, 2022, 02:44:20 PM »
Still appreciate that he shared it, was worth a try
Listed in Wiki as well I stated it in my post.

But ok.

Offline WonderingYid

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Re: Car Insurance Master Thread
« Reply #1338 on: July 06, 2022, 04:24:27 PM »
I'm looking for a website that will price the top 10 insurance agencies for me.
No such a thing.

Offline Reb Moshe

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Re: Car Insurance Master Thread
« Reply #1339 on: July 06, 2022, 07:41:02 PM »
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.