Car Insurance Master Thread

[danR]

clean as a whistle

[noturbizniss]

clean as a whistle

How long you been driving?

[danR]

I have had a NY license for 13 years.

Also there is second car on my policy - a Toyota camry 1997 which we don't have collusion or comprehensive and am paying $758 semi-annually

I also took the defensive driving class which brought my rate down

[noturbizniss]

I have had a NY license for 13 years.

Also there is second car on my policy - a Toyota camry 1997 which we don't have collusion or comprehensive and am paying $758 semi-annually

I also took the defensive driving class which brought my rate down

Any kids on your policy that could be driving it up?

[danR]

no young drivers, how much do you think i should be paying,

here is the breakdown for 2012 Honda

bodily injury                         $357.50
property damage                    115.70
Bsc personal injury protection   307.20
Supplementary Uninsured     25.50
Comprehensive                   102.20
Collision                                   218.40
Emergency Road Service               3.50
Mechanical breakdown             14.60
Total 6 month Premium      $1,144.60

and breakdown for 1997 Camry

bodily injury                         $339.10
property damage                    115.20
Bsc personal injury protection 277.90
Supplementary Uninsured         25.50
Total 6 month Premium        $757.70

[YankyDoodle]

I have 2 questions, not sure if this is the right forum, but I am sure someone will let me know if it is not:

1. What is the best credit card to pay my car insurance on?
2. Anyone know how to get discounts on car insurance, I have a corp discount with Geico, but I am still paying $1,145 every 6 months for a 2012 Honda Accord (includes comprehensive and collision). Anyone know where I can get a better deal?

Sounds awfully high

Without much work, you can just call your agent and tell them that you did a quick search and can get quite a bit cheaper from other companies. Is there anything you can do for me being a good customer for so long etc.

[glasses dude]

I have 2 questions, not sure if this is the right forum, but I am sure someone will let me know if it is not:

1. What is the best credit card to pay my car insurance on?
2. Anyone know how to get discounts on car insurance, I have a corp discount with Geico, but I am still paying $1,145 every 6 months for a 2012 Honda Accord (includes comprehensive and collision). Anyone know where I can get a better deal?

i have a 2012 accord and im paying 124.09 a month with geico in nj.

[danR]

I have a very high bodily injury liability -each person/each occurrence $250,000/$500,000 - what do most people have?

[noturbizniss]

I have a very high bodily injury liability -each person/each occurrence $250,000/$500,000 - what do most people have?

I have 100/300. Also looks like your Basic Personal Injury Protection is high too. I have $131 for 50K. Do you have deductibles on comprehensive and collision? I have $500 each and pay $30 and $60 less on each.

[danR]

which insurance company do you use? do you have the number for your agent.

[nutcase]

I have a very high bodily injury liability -each person/each occurrence $250,000/$500,000 - what do most people have?

here is where you are getting ripped off
Bsc personal injury protection   307.20
Bsc personal injury protection 277.90

do you have health insurance? pip is a scam

[CountValentine]

I have a very high bodily injury liability -each person/each occurrence $250,000/$500,000 - what do most people have?

Umbrella policy for 5 million.

[danR]

here is where you are getting ripped off
Bsc personal injury protection   307.20
Bsc personal injury protection 277.90

do you have health insurance? pip is a scam

I do have health insurance - are you saying I don't need PIP?

[noturbizniss]

which insurance company do you use? do you have the number for your agent.

www.geico.com
Bodily Injury Liability     $165.50      
Current Limit: $100,000/$300,000         
Property Damage Liability     $94.80      
Current Limit: $50,000         
Optional Basic Economic Loss   Not Carried      
Current: Not Carried         
Additional Personal Injury Protection   Not Carried      
Current: Not Carried         
Residual Medical Payments   Not Carried      
Current: Not Carried         
Uninsured Motorist   Not Carried      
Current: Not Carried         
Supplementary Uninsured Motorist     $12.00      
Current Limit: $25,000/$50,000         
         
Protects your vehicles         
   2009      
   HYUNDAI      
   SANTA FE      
Basic Personal Injury Protection     $131.50      
Deductible   Basic Non-Deductible      
Comprehensive     $70.90      
Deductible   $500 Ded. With Full Glass      
Collision     $168.80      
Deductible   $500 Ded.      
Emergency Road Service     $6.00      
   Full Coverage Vehicle      
Mechanical Breakdown Insurance     $21.00      
Deductible   $250 Ded.      
Rental Reimbursement     $18.20      
   $30/Day, $900Max      

[danR]

Do you have any discounts?

[noturbizniss]

5 hour course through improvcomedy online.

[alpicone]

Go on geico.com, get a quote to change your policy to 100/300 and $1,000 deductible where possible and see what that will reduce the quote to.

The other big factor is how you are reporting the usage of the car. Pleasure/work/school and how many miles a year make a difference in price.

[peace123]

I HAVE FAIrly GOOD FULL INSURANCE FOR MY CAMRY 2007> used to pay about $600 for 6 months 2 yrs ago. now with geico I pay  $350  for 6 month.

[moko]

I HAVE FAIrly GOOD FULL INSURANCE FOR MY CAMRY 2007> used to pay about $600 for 6 months 2 yrs ago. now with geico I pay  $350  for 6 month.

350 for 6 mos. is that 100/300 +comrehensive+collision

[danR]

$350 sounds way too low