Car Insurance Master Thread

[Thingywingy]

http://www.autoinsurance.org/companies/ifa-auto-insurance-review/
http://insurance.freeadvice.com/reviews/92/survey/IFA+Auto/
While these are random reviews edmunds recommended checking with the National Association of Insurance Commissioners' Consumer Information Source. Look at there results. https://eapps.naic.org/cis/indexReport.do
The National Median Complaint Ratio is 1.00 IFA is 2.94
Seems like you get what you pay for. If anyone here has any experience with IFA, please share.

[ygift]

I use Mindy Stein
she saved me more about 1400 dollars
I moved my home ins over to her as well
having AAA membership helps a lot. the cost of membership is MORE then covered with the savings
its worth the call to her

[Thingywingy]

My next cheapest option is with MetLife which was offered through Prime Insurance. Their rating on the is much better at 1.07 at NAIC. https://eapps.naic.org/cis/indexReport.do

[eddy100]

I’d recommend contacting TheHartford for a quote as well. My wife and I have our home and auto insurance through them and in the 16 years we’ve had them, we’ve never had a problem with their service. They also offer some pretty great discounts so I definitely think you should take a look at them.

[Seeyou]

Is there a way to get insurance just for car rentals instead of having to pay every time insurance by a rental like hertz and avis you just pay a once a month fee and that will always cover you?

[mclovin]

Is there a way to get insurance just for car rentals instead of having to pay every time insurance by a rental like hertz and avis you just pay a once a month fee and that will always cover you?

think someone posted a link to something like that before. but why do you need it. if you have a car your regular insurance should cover you. and if not your credit card should cover you (some cards will even cover before your car insurance)

[moto]

think someone posted a link to something like that before. but why do you need it. if you have a car your regular insurance should cover you. and if not your credit card should cover you (some cards will even cover before your car insurance)

well Officialy my Amex starwood card does not cover liability insurance from Hertz that costs 13.95??

[Saver2000]

@OP
@moto

There is no cc that covers liability.

[mclovin]

@OP
@moto

There is no cc that covers liability.

but there is a minimum you automatically get from the rental company by law IIRC

[SGF]

No CC will cover liability.
I looked into it and found that Geico has something called a 'non owners policy' which is for people that don't own a car and want to have 3rd party liability insurance.
Its not so cheap so it's only worth if you rent alot, also it doesn't cover as much as the rental car companies cover.
It doesn't hurt to get a quote its only a soft pull on your credit.

[Saver2000]

but there is a minimum you automatically get from the rental company by law IIRC

I don't think you're right.

Every car legally needs liability in order to be on the road. Therefore every rental car has liability on it whether you pay $13.99 or not.

The problem is that the rental company doesn't let you "use" their liability insurance when there's an accident.

If there's any amount that the law requires their insurance to pay out - they will bill you for it.

[MEIR613]

I don't think you're right.

Every car legally needs liability in order to be on the road. Therefore every rental car has liability on it whether you pay $13.99 or not.

The problem is that the rental company doesn't let you "use" their liability insurance when there's an accident.

If there's any amount that the law requires their insurance to pay out - they will bill you for it.

I always rely on rental insurance from the state. I had a friend who totaled another car (around 15k) He never heard from them. Called up the rental company and they told him the state has a mandatory 20k insurance that the rental company gives you even wthout taking out anything.

[SGF]

I don't think you're right.

Every car legally needs liability in order to be on the road. Therefore every rental car has liability on it whether you pay $13.99 or not.

The problem is that the rental company doesn't let you "use" their liability insurance when there's an accident

We are obviously discussing about something I can benefit from as in what I could 'use', so for all practical purposes if I dont pay there's no liability.

but there is a minimum you automatically get from the rental company by law IIRC

+1

[SGF]

state minimum liability for hertz

[Saver2000]

state minimum liability for hertz

That's what Hertz is required to pay out to the damaged party.

If they wouldn't be required rlto pay out anything,  then what would be the point of the law requiring  that there is liability on the car?

Hertz can and will pay whatever they are required to. The question is how much they will charge you.

(Many years ago) a friend of mine rented from avis and did normt take out liability.  Obviously/automatically the liability on the car covered the damaged car.

Avis bill him $3k for letting him use their insurance.  They called it a 'deductible'.

[Cbs]

id appreciate some advice and assistance here:

i decided to purchase a car on craigslist..not long term - just for the time being few months (prob).
i havent the first clue about the insurance policies etc.. so ill write some of my info that is relevant and if someone can help me find the cheapest insurance policy id greatly appreciate that:

• im only looking for liability coverage

im not sure whats better to do, but should i get insurance on me (non owner) since i may sell this car within he next few weeks and get a new one?
or should i get insurance on the car im driving (liability that is)? if so, then what happens when i switch cars?

thanx

[LYNDA]

is there a way to determine the owner of a car based on the vin number alone?

[Centurion]

in new york     the nypd can

[LYNDA]

the police dept can do it without the license plate number?  with only the vin number?

[Centurion]

there was a car parked without plates for a few weeks and nypd was able to track down the owner that his car was stolen. maybe it was once registered in new york?!