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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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« Last edited by WonderingYid on September 16, 2022, 01:06:25 AM »

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

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Author Topic: Car Insurance Master Thread  (Read 328425 times)

Offline myb821

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Re: How much auto liability insurance
« Reply #360 on: May 08, 2013, 11:46:36 PM »
geico said that me and my wife were in their top 4% of policies whatever that means so could offer us umbrella they offered us 1 mil at 500 something for the year. We did not take it
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Offline Name Changed

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Re: How much auto liability insurance
« Reply #361 on: May 08, 2013, 11:47:47 PM »
Avg that my Insurance told me is recommended is 100/300
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Offline myb821

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Re: How much auto liability insurance
« Reply #362 on: May 08, 2013, 11:48:19 PM »
Quote from: Name Changed on May 08, 2013, 11:47:47 PM
Avg that my Insurance told me is recommended is 100/300
thats what i have as well
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Offline Name Changed

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Re: How much auto liability insurance
« Reply #363 on: May 09, 2013, 12:13:43 AM »
Quote from: myb821 on May 08, 2013, 11:48:19 PM
thats what i have as well
I have 250/500
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Offline Yordai Dooma

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Re: How much auto liability insurance
« Reply #364 on: May 09, 2013, 12:32:21 AM »
im at 300/300 and 50 for property damage.

never thought about that way and should probably increase it
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Offline Dan

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Re: How much auto liability insurance
« Reply #365 on: May 09, 2013, 12:34:56 AM »
300/300 plus homeowners and an umbrella policy all from Geico.
They're all dirt cheap, #CLE
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Offline lfas25

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Re: How much auto liability insurance
« Reply #366 on: May 09, 2013, 12:40:43 AM »
I have 250/500 and homeowners from americhoice
If your a Costco member you get an additional discount from them as well
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Offline Dan

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Re: How much auto liability insurance
« Reply #367 on: May 09, 2013, 12:48:05 AM »
Quote from: lfas25 on May 09, 2013, 12:40:43 AM
I have 250/500 and homeowners from americhoice
If your a Costco member you get an additional discount from them as well
Used to have them with the Costco discount but Geico was wayyy less for bringing everything to them.
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Offline lfas25

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Re: How much auto liability insurance
« Reply #368 on: May 09, 2013, 12:53:14 AM »
Quote from: Dan on May 09, 2013, 12:48:05 AM
Used to have them with the Costco discount but Geico was wayyy less for bringing everything to them.

Funny every time I check Geico they are double or triple what I pay
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Re: How much auto liability insurance
« Reply #369 on: May 09, 2013, 12:53:27 AM »
If you are a homeowner you should have some type of umbrella policy. For auto and home you would then get the minimum allowed to qualify for the UP.
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Offline YSP

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Re: How much auto liability insurance
« Reply #370 on: May 09, 2013, 09:30:18 AM »
Quote from: Dan on May 09, 2013, 12:34:56 AM
300/300 plus homeowners and an umbrella policy all from Geico.
They're all dirt cheap, #CLE

Be wary. the Home policies are not through Geico. They are usually through Liberty Mutual or Homesite and they very often strip down the Coverages.
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Offline Dan

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Re: How much auto liability insurance
« Reply #371 on: May 09, 2013, 05:50:07 PM »
Quote from: YSP on May 09, 2013, 09:30:18 AM
Be wary. the Home policies are not through Geico. They are usually through Liberty Mutual or Homesite and they very often strip down the Coverages.
Strip down which aspect?
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Offline eliteflyer

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Re: How much auto liability insurance
« Reply #372 on: May 09, 2013, 06:05:54 PM »
Quote from: myb821 on May 08, 2013, 11:48:19 PM
thats what i have as well
you have a car?
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Offline YSP

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Re: How much auto liability insurance
« Reply #373 on: May 10, 2013, 09:28:02 AM »
Quote from: Dan on May 09, 2013, 05:50:07 PM
Strip down which aspect?

ordinance or law, water back up are the two biggest
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Online CountValentine

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Re: How much auto liability insurance
« Reply #374 on: May 10, 2013, 04:37:11 PM »
Quote from: YSP on May 10, 2013, 09:28:02 AM
ordinance or law, water back up are the two biggest
Do most policies include water back up?
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Offline myb821

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Re: How much auto liability insurance
« Reply #375 on: May 10, 2013, 04:51:39 PM »
Quote from: CountValentine on May 10, 2013, 04:37:11 PM
Do most policies include water back up?
depends from what a sump def not
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Offline Fan of Dan

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Re: How much auto liability insurance
« Reply #376 on: May 10, 2013, 05:21:46 PM »
I have 300K on my car insurance and now I want to get an umbrella for 1.5M. If I do that is there any reason to keep 300k on my car?
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Online CountValentine

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Re: How much auto liability insurance
« Reply #377 on: May 10, 2013, 05:24:25 PM »
Quote from: Fan of Dan on May 10, 2013, 05:21:46 PM
I have 300K on my car insurance and now I want to get an umbrella for 1.5M. If I do that is there any reason to keep 300k on my car?
You have to keep a certain amount on your car to qualify for the UP. It varies by issuer
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Offline YSP

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Re: How much auto liability insurance
« Reply #378 on: May 13, 2013, 10:05:05 AM »
Quote from: CountValentine on May 10, 2013, 04:37:11 PM
Do most policies include water back up?

Depends if the agent included it or not. usually yes but it will be limited to 5 or 10K which isn't a whole lot
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Offline YSP

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Re: How much auto liability insurance
« Reply #379 on: May 13, 2013, 10:05:54 AM »
Quote from: myb821 on May 10, 2013, 04:51:39 PM
depends from what a sump def not

A Sump pump can be covered depending on what happened.
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