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When signing up for auto insurance, make sure you know what coverage you're getting, and what your deductibles are.

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5MinuteInsure.com
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Nationwide- Yehuda Spero
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Poll

How much liability insurance do you think is prudent?

Statutory minimum
41 (16%)
100k
61 (23.7%)
200k
18 (7%)
300k
72 (28%)
500k
37 (14.4%)
750k
2 (0.8%)
1m
16 (6.2%)
more than 1m
10 (3.9%)

Total Members Voted: 257

Author Topic: Car Insurance Master Thread  (Read 328422 times)

Offline yoss6400

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$4000 payment to geico
« Reply #320 on: May 02, 2013, 01:43:19 PM »
i need to pay geico $4000 i have the ink bold, freedom, sapfire, citiAA, which one would be the best to use?
"Credit Cards delaying arguments for 30 Days"

Offline yossi4k

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Re: $4000 payment to geico
« Reply #321 on: May 02, 2013, 01:51:31 PM »
i need to pay geico $4000 i have the ink bold, freedom, sapfire, citiAA, which one would be the best to use?
ink + freedom + sapphire= UR points which is better value than aa miles so it won't make a difference which chase card you use unless you have exclusives with your freedom

Offline zale

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Re: $4000 payment to geico
« Reply #322 on: May 02, 2013, 01:51:40 PM »
i need to pay geico $4000 i have the ink bold, freedom, sapfire, citiAA, which one would be the best to use?

Buy visa gift cards at office supply stores with the Ink bold, and pay Geico with the gift cards.

Offline SPLP

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Re: $4000 payment to geico
« Reply #323 on: May 02, 2013, 02:04:15 PM »
Buy visa gift cards at office supply stores with the Ink bold, and pay Geico with the gift cards.

CAN U?

Offline yossi4k

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Re: $4000 payment to geico
« Reply #324 on: May 02, 2013, 02:04:58 PM »
Buy visa gift cards at office supply stores with the Ink bold, and pay Geico with the gift cards.
He will have to buy 20 x $200 gc and do 20 transactions to geico but otherwise your right

Offline SPLP

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Re: $4000 payment to geico
« Reply #325 on: May 02, 2013, 02:09:26 PM »
He will have to buy 20 x $200 gc and do 20 transactions to geico but otherwise your right

Have not followed G.C. as i am outside the states and impossible for me to do now -- but  will be back --- is this because  u can add a pin to G.C. and that results in it  being treated as a debit transaction --if got wrong -- please clarify how it is done

Offline hocker

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Re: $4000 payment to geico
« Reply #326 on: May 02, 2013, 02:12:29 PM »
Time for a master thread for all these "Which card should I use question's".

Offline noturbizniss

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Re: $4000 payment to geico
« Reply #327 on: May 02, 2013, 02:27:07 PM »
using gift cards will cost ~$140 in fees = $140/16,000 (extra points) = paying 87.5 cents per point (versus getting 4,000 points for 4,000 spending without fees).
READ THE DARN WIKI!!!!

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Offline bubbles

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Re: $4000 payment to geico
« Reply #328 on: May 02, 2013, 02:34:53 PM »
using gift cards will cost ~$140 in fees = $140/16,000 (extra points) = paying 87.5 cents per point (versus getting 4,000 points for 4,000 spending without fees).

you might wanna move that decimal over a few places  :)

Offline Saver2000

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Re: $4000 payment to geico
« Reply #329 on: May 02, 2013, 02:39:06 PM »
Time for a master thread for all these "Which card should I use question's".
+100

Offline danfan5773

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Re: Car Insurance and points on license
« Reply #330 on: May 02, 2013, 02:49:25 PM »
Btw -don't wanna hijack the thread, just ..מענין לענין באותו ענין- how can I know if/how many points I have on my license?

In NY u can call the DMV @ (518)-474-0841 and u can ask how many points/violations /accidents are on ur license
 P.S. be sure to have time bc the wait time is long.

Offline YSP

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Re: Car Insurance and points on license
« Reply #331 on: May 02, 2013, 02:50:47 PM »
I think they will use existing quote. Because its so recent they won't recalculate my rate. It costs them money to pull up my record.

They don't have to rerun the record. All they have to do is update the effective date which will cause the ticket from three years ago to no longer count against you.

Offline SPLP

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Re: $4000 payment to geico
« Reply #332 on: May 02, 2013, 02:51:00 PM »
+100

how do you use a G.C. to pay GEICO or any bill on line?

Offline Saver2000

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Re: $4000 payment to geico
« Reply #333 on: May 02, 2013, 02:54:34 PM »
how do you use a G.C. to pay GEICO or any bill on line?
Like you would with a regular cc.

Offline danfan5773

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Re: Car Insurance and points on license
« Reply #334 on: May 02, 2013, 03:00:31 PM »
I did some  shopping for car insurance today. I looked afterwards on my driver abstract and saw  2 violations that occurred in April, 2010. One on the 7th for failure to observe traffic control device, another on the 30th for failure to wear seat belt. 1st comes up as 2 points, 2nd doesn't show any points. My understanding is that violations come off after 3 years. Is it possible I'd get better rates if I wait for April 30 to pass?

Afaik points stay on the license record forever.
 In NYS your points count for 18 months by the DMV so if u receive 6 points in 18 months u will get drivers insurance liability penalty.
I was told that by insurance they count it for 36 months. But it will only go off Dec 31 following the 36 months. I am not sure but that's what I was told.

I got very good quote from Ameriprise Auto Insurance and if ur a Costco member go thru them it will get u even bigger discount. 

Offline Steven

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Re: $4000 payment to geico
« Reply #335 on: May 02, 2013, 03:00:34 PM »
Like you would with a regular cc.
geico takes cc..

Offline MEIR613

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Re: $4000 payment to geico
« Reply #336 on: May 02, 2013, 03:08:54 PM »
geico takes cc..
I personally don't know, but OP sure sounded like they do.

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Re: $4000 payment to geico
« Reply #337 on: May 02, 2013, 03:16:00 PM »
Car Insurance Payment Methods

Use a Debit or Credit Card

It's simple to make a payment with your debit card, check card or any major credit card. Just follow these easy steps
 Log in to the secure Policyholder Service Center
 Click on the "Pay by Card" link and enter your payment and card account information
 We'll charge your card within one business day

Only on DDF does 24/6 mean 24/5/half/half

Offline YSP

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Re: Car Insurance and points on license
« Reply #338 on: May 02, 2013, 03:22:49 PM »
Afaik points stay on the license record forever.
 In NYS your points count for 18 months by the DMV so if u receive 6 points in 18 months u will get drivers insurance liability penalty.
I was told that by insurance they count it for 36 months. But it will only go off Dec 31 following the 36 months. I am not sure but that's what I was told.

I got very good quote from Ameriprise Auto Insurance and if ur a Costco member go thru them it will get u even bigger discount.

Points for insurance count for 36 months but will come off after the first renewal after36 months. You don't need to wait until dec 31 for that to come off.

Offline Thingywingy

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Re: Car Insurance and points on license
« Reply #339 on: May 02, 2013, 03:53:52 PM »
What is your source for Dec 31st after 36 months?
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.