Author Topic: Car Insurance Master Thread (Read 399182 times)

David B · « **Reply #60 on:** February 27, 2012, 12:14:14 PM »

That was not my experience. NY resident, NY license, got a speeding ticket in NJ (Ft. Lee) that I plead down to a non-moving violation with no points. Years later I found out that GEICO had a record of the "non-moving violation" ticket -- although it hadn't impacted my rates as it was a no-points ticket (after pleading). NY license, however, does NOT get the points as NY and NJ do not have points reciprocity.

yitzf · « **Reply #61 on:** February 27, 2012, 02:43:47 PM »

Quote from: HelpMe on February 27, 2012, 11:20:15 AM

"All States as of 2005 are Required through New Federal Regulation to comply with and make available to all other states reciprocal driver records."

Is that for points or only for DWI, suspension etc.?

Yeki89 · « **Reply #62 on:** February 27, 2012, 02:48:12 PM »

Quote from: David B on February 27, 2012, 12:14:14 PM

That was not my experience. NY resident, NY license, got a speeding ticket in NJ (Ft. Lee) that I plead down to a non-moving violation with no points. Years later I found out that GEICO had a record of the "non-moving violation" ticket -- although it hadn't impacted my rates as it was a no-points ticket (after pleading). NY license, however, does NOT get the points as NY and NJ do not have points reciprocity.

Well said

HelpMe · « **Reply #63 on:** February 27, 2012, 02:51:54 PM »

Quote from: yitzf on February 27, 2012, 02:43:47 PM

Is that for points or only for DWI, suspension etc.?

"This database must include, at a minimum, all the data printed on the state drivers' licenses and ID cards, plus drivers' histories (including motor vehicle violations, suspensions, and points on licenses)."

Twin · « **Reply #64 on:** February 27, 2012, 02:59:42 PM »

i crashed someones car and his insurance coverd bec he has guest plan Q is his rates going to go up now?

Yeki89 · « **Reply #65 on:** February 28, 2012, 03:16:26 PM »

Why would it be different than if the main driver crashed?

Twin · « **Reply #66 on:** February 28, 2012, 07:52:06 PM »

Quote from: yeki89 on February 28, 2012, 03:16:26 PM

Why would it be different than if the main driver crashed?

iam not on his plan so the Q is if the rate will go up bec they paid $$ or not bec iam not on the plan

David B · « **Reply #67 on:** February 28, 2012, 08:04:49 PM »

Nobody can ever be certain (as it will be up the underwriter that reviews the policy at renewal time) -- but I would suspect/guess that it is the "loss experience" that counts, not who was driving. So if the accident was your fault (i.e. you weren't rear-ended, but actually were more than 50% responsible for causing the crash), and the policy has to pay out money due to an accident caused by the insured, chances are decent the premiums will go up.

aryeh1 · « **Reply #68 on:** July 06, 2012, 09:34:43 AM »

What would insurance be about in brooklyn, 25 yr old , clean record?

Koko · « **Reply #69 on:** July 09, 2012, 11:23:08 PM »

Just a note great deal- got it but insurance is much higher than my lexus i just returned.and all that i know who are trying to get the car are having difficulty getting low quotes under $200 a month in nyc

kangaroo · « **Reply #70 on:** July 09, 2012, 11:36:13 PM »

Quote from: Koko on July 09, 2012, 11:23:08 PM

Just a note great deal- got it but insurance is much higher than my lexus i just returned.and all that i know who are trying to get the car are having difficulty getting low quotes under $200 a month in nyc

share with us what kind of deal you got?

KidOOO · « **Reply #71 on:** July 09, 2012, 11:37:01 PM »

Quote from: Koko on July 09, 2012, 11:23:08 PM

Just a note great deal- got it but insurance is much higher than my lexus i just returned.and all that i know who are trying to get the car are having difficulty getting low quotes under $200 a month in nyc

I'm having same issue with insurance quote,
which deal did you end up getting?

Koko · « **Reply #72 on:** July 09, 2012, 11:40:06 PM »

Lowest deal i got was hartford 195 thats with clean record over 10 years insurance. Average quote people are getting aprox 230-275 a month allstate/ geico

Dan · « **Reply #73 on:** July 09, 2012, 11:43:03 PM »

Quote from: Koko on July 09, 2012, 11:40:06 PM

Average quote people are getting aprox 230-275 a month allstate/ geico

That's what I pay for 6 months on my Altima

AJK · « **Reply #74 on:** July 09, 2012, 11:44:22 PM »

No way. $500/year

Dan · « **Reply #75 on:** July 09, 2012, 11:47:42 PM »

Quote from: AJK on July 09, 2012, 11:44:22 PM

No way. $500/year

Dan · « **Reply #76 on:** July 09, 2012, 11:49:40 PM »

Now that I'm looking at it I can lower my 6 month premium from $277.45 to $233.42 if I change my deductible to $1,000.

Think I should do that? What do others here carry?

AJK · « **Reply #77 on:** July 09, 2012, 11:50:05 PM »

I'm crying inside.

CLE looks better and better every day, even though where I'm from (not where I am now) it's gotta be similar, but I didn't think it was that good.

I didn't even think that was possible for a new car.

AJK · « **Reply #78 on:** July 09, 2012, 11:50:21 PM »

Quote from: Dan on July 09, 2012, 11:49:40 PM

Now that I'm looking at it I can lower my 6 month premium from $277.45 to $233.42 if I change my deductible to $1,000.

Think I should do that?

Absolutely, IMHO.

And that's a 6 mos premium? Not per month?

Dan · « **Reply #79 on:** July 09, 2012, 11:52:17 PM »

Quote from: AJK on July 09, 2012, 11:50:21 PM

Absolutely, IMHO.

And that's a 6 mos premium? Not per month?

Yup, those are all per 6 months.

Everyone else in agreement that it's worth going to $1K deduct to save $88 per year?

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Author Topic: Car Insurance Master Thread (Read 399182 times)