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How much liability insurance do you think is prudent?

Statutory minimum
41 (16.3%)
100k
60 (23.9%)
200k
17 (6.8%)
300k
71 (28.3%)
500k
36 (14.3%)
750k
2 (0.8%)
1m
16 (6.4%)
more than 1m
8 (3.2%)

Total Members Voted: 251

Author Topic: Car Insurance Master Thread  (Read 296716 times)

Offline YSP

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Re: Car Insurance Master Thread
« Reply #1420 on: January 23, 2023, 07:03:39 PM »
Been on geico in nyc and after too many rates raises, looking for another. Any way to get quotes from multiple places without getting spammed everywhere?

Call an agent who will shop it with multiple carriers

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Re: Car Insurance Master Thread
« Reply #1421 on: January 23, 2023, 07:09:45 PM »
Call an agent who will shop it with multiple carriers
...And then check the 1 or 2 major carriers that your agent wont use.
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Offline myi

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Re: Car Insurance Master Thread
« Reply #1422 on: January 26, 2023, 05:33:57 PM »
If i add myself to a title or vehicle registration in NJ as a co owner, would both names need to be insured for the vehicle?
 
    Story behind this is as follows, will explain what i'm trying to accomplish by adding a co-owner.

 I bought out a lease that a sibling had. Now being that its a hyundai there's a 10yr/100k miles(whichever comes first) powertrain(engine,trans,axle) warranty that's for the 1st owner.
  So as soon as i switch ownership that warranty is downgraded to a 5yr/60k miles.

 Now before i just void that warranty by transferring ownership outright was thinking if there's a way to preserve that.
   Either by adding a co owner or by... if there's another idea that you guys have in mind that would work.

  In NY it seems you would be able to keep the title in his name, and then register the car in your name, there's no reason to change the title, they let you keep it as is. while in NJ they need to the title to match the registration.

 I tried changing the info online in his account to my name which would avoid this entire issue, but the only way i can transfer the name would be one of these ways seen below in the picture. Any of these doable? or know of someone that can help me with this?


Quote
Fix-My-Broken-Lg-Exalt. Message 347-201-2501/Flip Phn $20 for first 5 months W/Code PM me.

Offline jfish227

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Re: Car Insurance Master Thread
« Reply #1423 on: January 26, 2023, 06:46:58 PM »
Submit a letter from doctor saying so and so is in good health ;)

Offline mendi n

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Re: Car Insurance Master Thread
« Reply #1424 on: January 29, 2023, 12:41:47 PM »
I owe the car and only have for liability
28 years old never got an accident and only 3 seatbelt ticket a few years ago.

I try with geico and state farm they all take high also

If someone can get me lower im ready to pay commission

On a lease(which Iím assuming it is)minimum coverage is quite high.

I agree itís not bad at all especially under 25 and no previous coverage

Offline mendi n

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Re: Car Insurance Master Thread
« Reply #1425 on: January 29, 2023, 01:00:10 PM »
I had a few days whithout coverage but i already fight with them and explaind that it wasnt my fault but this is probably why is so high
Make sense?


Offline WAM

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Re: Car Insurance Master Thread
« Reply #1426 on: January 29, 2023, 02:32:45 PM »
Been on geico in nyc and after too many rates raises, looking for another. Any way to get quotes from multiple places without getting spammed everywhere?

create a new email address?

I had a few days whithout coverage but i already fight with them and explaind that it wasnt my fault but this is probably why is so high
Make sense?


A gap in coverage will make the rates go up. Why was there a gap in coverage?

Check out Ameriprise. If you haveca Costco membership, you'll probably save more than the cost of the membership.

When I had Ameriprise, they did not count a seat belt ticket against me. Maybe Geico does and that's the difference.
« Last Edit: January 29, 2023, 02:45:16 PM by WAM »

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Re: Car Insurance Master Thread
« Reply #1427 on: January 29, 2023, 05:46:02 PM »
I owe the car and only have for liability
28 years old never got an accident and only 3 seatbelt ticket a few years ago.

I try with geico and state farm they all take high also

If someone can get me lower im ready to pay commission
how many years? less than 3 years counts for all insurances, between 3 and 5 depends on the company.
Small people talk about other people.
Average people talk about things
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Offline neveryou

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Re: Car Insurance Master Thread
« Reply #1428 on: January 29, 2023, 08:46:39 PM »
I had a few days whithout coverage but i already fight with them and explaind that it wasnt my fault but this is probably why is so high
Make sense?

When you have the minimum coverage it doesn't look good on you. It shows the insurance companies that you don't care and take very big risks.
So when you switch companies, the company your trying to switch to sees that you were insured for the minimum and they will charge you more because in their eyes you are a bigger risk.

Offline ae123

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Re: Car Insurance Master Thread
« Reply #1429 on: January 31, 2023, 08:22:14 PM »
If you have a Costco membership, you'll probably save more than the cost of the membership.
Does it usually make sense to switch from GEICO to the Costco membership insurance?

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Re: Car Insurance Master Thread
« Reply #1430 on: February 01, 2023, 01:40:21 PM »
Does it usually make sense to switch from GEICO to the Costco membership insurance?

The answer to this and similar questions in(much of) this thread is that nobody knows. The only way to find out is to quote it out and compare. There is no one company thatís always going to be cheaper. Every situation is unique.

Offline 4yourinfo

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Re: Car Insurance Master Thread
« Reply #1431 on: February 01, 2023, 05:02:37 PM »
I had a few days whithout coverage but i already fight with them and explaine that it wasn't my fault but this is probably why is so high
Make sense?

lapse of coverage most likely the issue - I have 2 seatbelt tickets didn't notice a spike because of it just the usual slow rise..
years ago I heard some insurance companies ask about a lapse in the last x years and some just ask if you are currently insured. You may want to get onto insurance and then go shopping for a company that doesn't ask about a lapse just if you are currently insured.

Offline EJB

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Re: Car Insurance Master Thread
« Reply #1432 on: February 01, 2023, 07:50:11 PM »
When you have the minimum coverage it doesn't look good on you. It shows the insurance companies that you don't care and take very big risks.
So when you switch companies, the company your trying to switch to sees that you were insured for the minimum and they will charge you more because in their eyes you are a bigger risk.

I've never seen a plan that does this. Charging extra for gaps in coverage, sure. But for selecting legal coverage that was lower than they'd like, I doubt it.

Offline neveryou

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Re: Car Insurance Master Thread
« Reply #1433 on: February 02, 2023, 08:54:05 AM »


I've never seen a plan that does this. Charging extra for gaps in coverage, sure. But for selecting legal coverage that was lower than they'd like, I doubt it.

I've seen it, I work in in insurance

Insurance companies have so much data to know who are bigger risks and not

Offline ae123

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Re: Car Insurance Master Thread
« Reply #1434 on: February 02, 2023, 07:35:01 PM »
The answer to this and similar questions in(much of) this thread is that nobody knows. The only way to find out is to quote it out and compare. There is no one company thatís always going to be cheaper. Every situation is unique.
True.
But I was asking if generally people are finding insurance through Costco to be cheaper.

Offline WAM

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Re: Car Insurance Master Thread
« Reply #1435 on: February 12, 2023, 08:29:01 AM »
True.
But I was asking if generally people are finding insurance through Costco to be cheaper.
I don't think there is a general answer.

Offline peace123

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Re: Car Insurance Master Thread
« Reply #1436 on: February 13, 2023, 12:14:22 AM »
used to pay around $300 for full coverage wiht geico . no claim ,no violations, they cite increased cost, now my recent full insurance cost is $491 for 6 months. my car is 2020 santa fe. i gave decent full coverage.

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Re: Car Insurance Master Thread
« Reply #1437 on: February 13, 2023, 12:40:19 AM »
Small people talk about other people.
Average people talk about things
BIG PEOPLE TALK ABOUT IDEAS.

Offline shulemw

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Re: Car Insurance Master Thread
« Reply #1438 on: February 26, 2023, 10:43:07 PM »
I made a tiny accident and I was in the back so I am clearly at fault. Is there a way I can offer the insurance I will pay what they got billed for by the other guy and they should not put the claim on my record? Also is there a way I can ask them what the other guy is claiming as it was a small scratches but that guy would not budge and only wanted to bill insurance but I want to make sure he doesn't rip off tons of things.
We did not make a report. But we have pictures and videos of what happened. Any ideas for my best step would be greatly appreciated

Offline Dan

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Re: Car Insurance Master Thread
« Reply #1439 on: February 27, 2023, 09:08:40 AM »
used to pay around $300 for full coverage wiht geico . no claim ,no violations, they cite increased cost, now my recent full insurance cost is $491 for 6 months. my car is 2020 santa fe. i gave decent full coverage.
Shop around?
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.