Author Topic: Car Insurance Master Thread (Read 399180 times)

muttman · « **Reply #20 on:** January 05, 2011, 12:38:20 PM »

I am not sure exactly what my coverage is but it the most base required for a lease

yossi4k · « **Reply #21 on:** May 30, 2011, 01:10:28 AM »

Shout-out to all Floridians out there. What are your experiences with auto insurance companies>? Which ones gives the best rates? So far I've looked into Geico and Progressive and Geico kills by a $600 margin! Alas, Geico charges $1000 more for a leased car than a comparable owned car. Are there companies out there who don't charge more for lease or allow you to take the cheaper policies?

aycee · « **Reply #22 on:** May 30, 2011, 03:26:03 PM »

I believe it depends on the driver. Progressive was cheapest for me

Yungerman · « **Reply #23 on:** May 31, 2011, 03:22:58 PM »

Progressive was the best choice for me also.

bades · « **Reply #24 on:** May 31, 2011, 03:48:51 PM »

i can get you car insurance quotes in Florida or any other state

yossi4k · « **Reply #25 on:** May 31, 2011, 09:28:13 PM »

you been good rates?

est · « **Reply #26 on:** June 12, 2011, 12:36:01 AM »

im looking to switch car insurance companies - looking for opinions and experiences...
i already switched from geico where i was paying $769 for 6 months

I now have travelers $577 for 6 months
uninsured/underinsured bodily - $50,000per person /$100,000 per accident
uninsured/underinsured property - $50,000
collision - $500 deductible
comprehensive - $500 deductible

this is for nj for one car 06 sienna. one driver has illegal uturn on license. expensive?

Bh101 · « **Reply #27 on:** June 12, 2011, 01:26:41 PM »

Quote from: est on June 12, 2011, 12:36:01 AM

im looking to switch car insurance companies - looking for opinions and experiences...
i already switched from geico where i was paying $769 for 6 months

I now have travelers $577 for 6 months
uninsured/underinsured bodily - $50,000per person /$100,000 per accident
uninsured/underinsured property - $50,000
collision - $500 deductible
comprehensive - $500 deductible

this is for nj for one car 06 sienna. one driver has illegal uturn on license. expensive?

how old are the drivers? and how many drivers are there? and nothing to do with ur question but how many points is a uturn?

est · « **Reply #28 on:** June 12, 2011, 01:42:56 PM »

1 turning 26 in 2 weeks and 1 is 27

bades · « **Reply #29 on:** June 12, 2011, 01:51:09 PM »

i am an insurance broker i can help.. check ur inbox

dd321 · « **Reply #30 on:** June 12, 2011, 07:32:15 PM »

looks vry good. what company u get from?

Dan · « **Reply #31 on:** June 12, 2011, 07:57:51 PM »

So what does everyone here pay for insurance? Post your policy details here!

muttman · « **Reply #32 on:** June 12, 2011, 11:27:29 PM »

2009 Honda Accord (Leased)
Monsey NY
25 years of age

$606 per 6 month

Bodily Injury Liability
Current Limit: $100,00/$300,000

Property Damage Liability
Current Limit: $100,000

Residual Medical Payments
Current Limit: $10,000

Supplementary Uninsured Motorist
Current Limit: $100,000/$300,00

bubkiz · « **Reply #33 on:** June 13, 2011, 02:29:57 PM »

Which company?

est · « **Reply #34 on:** June 13, 2011, 09:55:22 PM »

Quote from: kugelfresser on June 12, 2011, 07:32:15 PM

looks vry good. what company u get from?

travelers

Dan · « **Reply #35 on:** July 01, 2011, 12:43:07 AM »

So how do you know how much liability coverage you need with auto insurance? Or which other coverages I should get or should get rid of?
Geico lets me adjust all these limits online, but frankly I have no idea what I need.

This is what I have now with Geico for an '11 Altima that I own.
My wife (23) and myself (26) are insured to drive.
6 month premium: $313.45.
-Bodily Injury Liability: Up to $300K per person/$300K per incident, $75.78 premium
-Property Damage Liability: $100K, $50.54 premium
-Medical Payments for passengers in your car: None
-Uninsured Motorist Bodily Injury: Up to $300K per person/$300K per incident, $12.27 premium
-Underinsured Motorist: Up to $300K per person/$300K per incident, $5.42 premium
-Comprehensive: $100 deductible, $43.69 premium
-Collision: $500 deductible, $115.74 premium
-Uninsured Motorist Property Damage: None
-Emergency Road Service, $1.69 premium
-Rental Reimbursement, up to $30/day, $900 max, $8.32 premium
-Mechanical Breakdown Insurance (Must be added within 15 months of purchase, $16.92 premium for extended warranty valid for the 7 years of a car with a $250 deductible): None.

Avid Reader · « **Reply #36 on:** July 01, 2011, 08:15:44 AM »

Quote from: Dan on July 01, 2011, 12:43:07 AM

So how do you know how much liability coverage you need with auto insurance? Or which other coverages I should get or should get rid of?
Geico lets me adjust all these limits online, but frankly I have no idea what I need.

This is what I have now with Geico for an '11 Altima that I own.
My wife (23) and myself (26) are insured to drive.
6 month premium: $313.45.
-Bodily Injury Liability: Up to $300K per person/$300K per incident, $75.78 premium
-Property Damage Liability: $100K, $50.54 premium
-Medical Payments for passengers in your car: None
-Uninsured Motorist Bodily Injury: Up to $300K per person/$300K per incident, $12.27 premium
-Underinsured Motorist: Up to $300K per person/$300K per incident, $5.42 premium
-Comprehensive: $100 deductible, $43.69 premium
-Collision: $500 deductible, $115.74 premium
-Uninsured Motorist Property Damage: None
-Emergency Road Service, $1.69 premium
-Rental Reimbursement, up to $30/day, $900 max, $8.32 premium
-Mechanical Breakdown Insurance (Must be added within 15 months of purchase, $16.92 premium for extended warranty valid for the 7 years of a car with a $250 deductible): None.

$313.45 for 6 months of nearly full coverage? lol... what a bargain.

I'd get the "Medical Payments for passengers in your car". It came in pretty handy for me many years back (I was in someone else' car).
You probably don't need the Emergency Road Service, since you have AAA, bu for a $1.69 premium, why not.

henche · « **Reply #37 on:** July 03, 2011, 05:03:57 PM »

This is what I have:

Geico
28 year old. Clean record.
98 Honda Civic.
Liability only, 50k
$149 for 6 months

elikay · « **Reply #38 on:** July 03, 2011, 05:39:27 PM »

Basically, liability should be at least 100k or whatever you have in assets (and can be sued for), whichever is more. Technically if someone has no money they only need the minimum required by law, however there is way to high of a chance that you'll have an headache since in case of a serious accident your insured amount may be easily surpassed. However, if you've already paid for all damage etc.. and the victim is only looking for an oportunity to sue for big $$$, they will back off pretty quickly if they realize that you have no assets beyond your coverage amount.
I beg to differ about medical coverage, if your spouse/children have health insurance it is a redundant coverage. (As is unisured motorist and collision IMHO besides the deductible difference, I'd love to have someone explain it to me, my insurance company couldn't).

Avid Reader · « **Reply #39 on:** July 03, 2011, 09:34:46 PM »

Medial coverage gives more then what your medical insurance pays for. It could pay a certain amount of lost wages due to inability to work, pain and suffering etc.

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How much liability insurance do you think is prudent?

Author Topic: Car Insurance Master Thread (Read 399180 times)