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Author Topic: Car Insurance Master Thread  (Read 248976 times)

Offline yeshivabucher

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Re: Car Insurance Master Thread
« Reply #1360 on: September 20, 2022, 09:29:20 AM »
Most companies allow you to add a "Student" to your policy without an additional cost.
(For your child who is a student and does not live at home anymore) 
In the best case scenario, it could bring down your policy cost.
IME with geico  i was added as a student at 18 didnt live at home and was not charged. it really came in handy when i got married that i had 5 years of insurance history and got very good rates for my age

Offline ae123

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Re: Car Insurance Master Thread
« Reply #1361 on: September 20, 2022, 02:48:05 PM »
IME with geico  i was added as a student at 18 didnt live at home and was not charged. it really came in handy when i got married that i had 5 years of insurance history and got very good rates for my age
GEICO didn't offer us that. They raised the rates by over $600.
I guess we'll try again.

Offline ae123

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Re: Car Insurance Master Thread
« Reply #1362 on: September 20, 2022, 11:00:31 PM »
IME with geico  i was added as a student at 18 didnt live at home and was not charged. it really came in handy when i got married that i had 5 years of insurance history and got very good rates for my age
GEICO told us that if the school is within 100 miles of home the rates go up.
Is this true or YMMV based on who takes the call?

Offline googwallet

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Re: Car Insurance Master Thread
« Reply #1363 on: September 21, 2022, 10:40:52 AM »
I need my windshield replaced to pass state inspection. I can do it through insurance with a $50 deductible or pay out of pocket $300. My inclination is to use the insurance, but I know having a claim, even a no fault one, will be on my record and can affect future rates. Does anyone have experience with this?

Online CountValentine

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Re: Car Insurance Master Thread
« Reply #1364 on: September 21, 2022, 10:43:05 AM »
I need my windshield replaced to pass state inspection. I can do it through insurance with a $50 deductible or pay out of pocket $300. My inclination is to use the insurance, but I know having a claim, even a no fault one, will be on my record and can affect future rates. Does anyone have experience with this?
Are you sure it will be on your record. Mine was a few years back with State Farm and had no effect on the rates.
Only on DDF does 24/6 mean 24/5/half/half

Offline yelped

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Re: Car Insurance Master Thread
« Reply #1365 on: September 21, 2022, 10:53:36 AM »
GEICO told us that if the school is within 100 miles of home the rates go up.
Is this true or YMMV based on who takes the call?
Sounds exactly right.

Offline googwallet

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Re: Car Insurance Master Thread
« Reply #1366 on: September 21, 2022, 11:58:55 AM »
Are you sure it will be on your record. Mine was a few years back with State Farm and had no effect on the rates.
Not 100% sure, but a previous glass claim showed on my record when I was shopping rates a few years ago.

Online CountValentine

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Re: Car Insurance Master Thread
« Reply #1367 on: September 21, 2022, 02:56:04 PM »
Not 100% sure, but a previous glass claim showed on my record when I was shopping rates a few years ago.
That's not good.
Only on DDF does 24/6 mean 24/5/half/half

Offline nucheiner

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Re: Car Insurance Master Thread
« Reply #1368 on: September 21, 2022, 05:35:53 PM »
That's not good.
I think a Roadside Assistance call with Liberty Mutual can show up (dunno about other carriers). However, IIRC it didn't have any effect on rates. Perhaps this is similar.

Offline davidd75

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Re: Car Insurance Master Thread
« Reply #1369 on: November 14, 2022, 12:57:19 PM »
I have an old car which I insure and have registration and title for it but somebody else mostly uses the car.
what are reprecussions of such an arrangement

for tickets etcc its on the driver and accidents will obviously affect my insurance
anything else I am missing what if i take insurance off and still have it registered  and titled to me any potential issues for me?

Offline googwallet

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Re: Car Insurance Master Thread
« Reply #1370 on: November 14, 2022, 01:07:28 PM »
I have an old car which I insure and have registration and title for it but somebody else mostly uses the car.
what are reprecussions of such an arrangement
If the car is insured at an address other than where it's primarily parked, it could be insurance fraud. Nothing will happen unless there is a large payout and insurance does an investigation. If they do, it can be a big issue.

for tickets etcc its on the driver and accidents will obviously affect my insurance
anything else I am missing what if i take insurance off and still have it registered  and titled to me any potential issues for me?
If you remove insurance then you can get fined for a gap of coverage. Some states are more strict than others but NY is especially harsh and will fine you for every day the vehicle is registered without valid insurance.
If you are asking about someone else insuring the car while it's in your name, this varies by the state and insurer. Some will allow it, some won't.

Offline davidd75

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Re: Car Insurance Master Thread
« Reply #1371 on: November 14, 2022, 01:14:46 PM »
If the car is insured at an address other than where it's primarily parked, it could be insurance fraud. Nothing will happen unless there is a large payout and insurance does an investigation. If they do, it can be a big issue.
If you remove insurance then you can get fined for a gap of coverage. Some states are more strict than others but NY is especially harsh and will fine you for every day the vehicle is registered without valid insurance.
If you are asking about someone else insuring the car while it's in your name, this varies by the state and insurer. Some will allow it, some won't.

 thanks I was referring to NJ
what happens if I take off my insurance? and/or the driver puts his own insurance on the car that is registered and titled to me?
any potential issues?

Offline davidd75

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Re: Car Insurance Master Thread
« Reply #1372 on: November 14, 2022, 02:01:21 PM »
thanks I was referring to NJ
what happens if I take off my insurance? and/or the driver puts his own insurance on the car that is registered and titled to me?
any potential issues?

for example can I take off my insurance and the driver can purchase his non-owner auto policy for liability etc...

Offline coffeebean

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Re: Car Insurance Master Thread
« Reply #1373 on: December 02, 2022, 01:41:06 PM »
Anyone familiar with Intellidrive? They say I have 0 distractions, but I did use my phone. How would they detect.


Offline coffeebean

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Re: Car Insurance Master Thread
« Reply #1374 on: December 02, 2022, 01:42:28 PM »
Also, if anyone has experience, did this app hurt you in the future?

Offline fisherprice

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Re: Car Insurance Master Thread
« Reply #1375 on: December 04, 2022, 09:00:22 PM »
Hi everyone. Is it worth it to take out an unlimited tort (ability to sue) auto plan, as it does bump up premiums significantly?

Offline dovy2

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Re: Car Insurance Master Thread
« Reply #1376 on: December 04, 2022, 11:30:08 PM »
Hi everyone. Is it worth it to take out an unlimited tort (ability to sue) auto plan, as it does bump up premiums significantly?
if you think the chances of a non Jewish millionaire getting into an accident with you, with him completely at-fault, are high, then yes.

Offline YSP

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Re: Car Insurance Master Thread
« Reply #1377 on: December 05, 2022, 10:56:23 AM »
Hi everyone. Is it worth it to take out an unlimited tort (ability to sue) auto plan, as it does bump up premiums significantly?

Most ppl have limited tort on their policies

Offline YSP

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Re: Car Insurance Master Thread
« Reply #1378 on: December 05, 2022, 10:59:11 AM »
Anyone familiar with Intellidrive? They say I have 0 distractions, but I did use my phone. How would they detect.


If you pick up your phone while you are driving.

Offline coffeebean

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Re: Car Insurance Master Thread
« Reply #1379 on: December 05, 2022, 01:40:22 PM »
If you pick up your phone while you are driving.
Move phone or use of phone?