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Author Topic: Car Insurance Master Thread  (Read 321551 times)

Offline gavhaller

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Re: Car Insurance Master Thread
« Reply #760 on: August 25, 2015, 10:39:21 AM »
What's the deal with auto insurers requesting info about previous carriers?
Do they ever ask for this info in writing?

Offline YSP

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Re: Car Insurance Master Thread
« Reply #761 on: August 25, 2015, 11:00:50 AM »
What's the deal with auto insurers requesting info about previous carriers?
Do they ever ask for this info in writing?
The more carriers you've been with the less of a discount you get. If they see you jump around every 6 months then they are less likely to extend you discounts since you'll leave them in 6 months anyway. They do have a record of your previous carriers. it's in your insurance history report so won't help to fudge it.

Offline gavhaller

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Re: Car Insurance Master Thread
« Reply #762 on: August 25, 2015, 11:02:53 AM »
The more carriers you've been with the less of a discount you get. If they see you jump around every 6 months then they are less likely to extend you discounts since you'll leave them in 6 months anyway. They do have a record of your previous carriers. it's in your insurance history report so won't help to fudge it.

Well I wasn't insured on somebody's policy, but I put their company down- as I occasionally drove their car, and signed all the documents, and the policy has been activated.
So now what?
« Last Edit: August 25, 2015, 11:15:11 AM by gavhaller »

Offline YSP

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Re: Car Insurance Master Thread
« Reply #763 on: August 25, 2015, 02:16:10 PM »
Well I wasn't insured on somebody's policy, but I put their company down- as I occasionally drove their car, and signed all the documents, and the policy has been activated.
So now what?

Oh oh I didn't realize what you were asking before. If they are asking for proof of previous insurance and you don't have documentation then they will either cancel the policy because you are ineligible or raise the rate significantly.

Offline gavhaller

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Re: Car Insurance Master Thread
« Reply #764 on: August 25, 2015, 02:43:24 PM »
Oh oh I didn't realize what you were asking before. If they are asking for proof of previous insurance and you don't have documentation then they will either cancel the policy because you are ineligible or raise the rate significantly.

But once the documents are signed, they aren't going to ask for previous proof (liberty mutual)?
They haven't yet.

Offline YSP

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Re: Car Insurance Master Thread
« Reply #765 on: August 25, 2015, 02:56:41 PM »
But once the documents are signed, they aren't going to ask for previous proof (liberty mutual)?
They haven't yet.

They will. if they don't luck you

Offline gavhaller

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Re: Car Insurance Master Thread
« Reply #766 on: August 25, 2015, 02:59:36 PM »
Now if I had my own policy 4 months ago, does that matter?
My lease ended and was looking for a new car in the interim.

Offline NI

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Re: Car Insurance Master Thread
« Reply #767 on: August 27, 2015, 08:30:04 AM »
update: a friend of mine did this and geico refused to give him the discount saying that he already has a good rate. also, you can become a member of this org for free instead of the one listed above. naaee.net
Can someone direct me to getting naaee.net membership free? I joined their site, but it doesn't seem that counts as membership. Thanks!

Offline Sam Finkelstein

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Re: Car Insurance Master Thread
« Reply #768 on: August 29, 2015, 10:03:24 PM »
Where can a 40 y/o woman and her 19 y/o son get the best quote?

Have had to enter the father's info on several applications. While he holds a valid license, he doesn't drive.
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Offline sguitarist18

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Re: Car Insurance Master Thread
« Reply #769 on: August 30, 2015, 08:43:33 AM »
Where can a 40 y/o woman and her 19 y/o son get the best quote?

Have had to enter the father's info on several applications. While he holds a valid license, he doesn't drive.

Not sure if that's a bad thing...might be better if there are more older drivers.

Offline googwallet

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Re: Car Insurance Master Thread
« Reply #770 on: October 03, 2015, 11:40:32 PM »
My policy just got renewed and my premium was lowered from $450 to $366 for the 6 month period. It could be because I recently turned 25, but I think it's pretty cool and I wasn't expecting for it to be lowered based on what people have reported here from when they turned 25.

I live in Monsey and the car only has liability coverage, so it's not that crazy of a deal, but pretty good for NY nonetheless.

Offline sguitarist18

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Re: Car Insurance Master Thread
« Reply #771 on: October 04, 2015, 05:50:29 PM »
How long have you been driving for?

Offline googwallet

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Re: Car Insurance Master Thread
« Reply #772 on: October 04, 2015, 05:52:13 PM »
How long have you been driving for?
Since 2010

Offline Adam101

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Re: Car Insurance Master Thread
« Reply #773 on: October 07, 2015, 12:16:11 PM »
I live in the midwest but go to school in New Jersey most of the year. Would like to buy a car today. What are my best options? The one that I was ready to go with requires proof that I live in New Jersey which I don't have

Offline MosheD

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Re: Car Insurance Master Thread
« Reply #774 on: October 07, 2015, 12:23:12 PM »
I live in the midwest but go to school in New Jersey most of the year. Would like to buy a car today. What are my best options? The one that I was ready to go with requires proof that I live in New Jersey which I don't have
Same sitch.
What constitutes proof? Can't that hard to get, I don't really have proof that I live in Midwest either ubless cc statement counts

Offline Adam101

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Re: Car Insurance Master Thread
« Reply #775 on: October 07, 2015, 12:29:50 PM »
Same sitch.
What constitutes proof? Can't that hard to get, I don't really have proof that I live in Midwest either ubless cc statement counts
Pay stubs utility bill. .. i live in dorm...

Offline MosheD

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Re: Car Insurance Master Thread
« Reply #776 on: October 07, 2015, 12:30:19 PM »
Pay stubs utility bill. .. i live in dorm...
Got a relative?

Offline Dr Moose

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Re: Car Insurance Master Thread
« Reply #777 on: October 07, 2015, 12:38:31 PM »
I live in the midwest but go to school in New Jersey most of the year. Would like to buy a car today. What are my best options? The one that I was ready to go with requires proof that I live in New Jersey which I don't have
Why not register your car in the midwest state that you live in? Chances are you'll be paying cheaper insurance.
Hey there! I am using DansDeals Forums.

Offline Adam101

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Re: Car Insurance Master Thread
« Reply #778 on: October 07, 2015, 12:39:03 PM »
Why not register your car in the midwest state that you live in? Chances are you'll be paying cheaper insurance.
I have been on the phone all morning with different insurance is and I just found out that I'm able to do that. Everyone said no except for some small place down the street for me

Offline Adam101

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Re: Car Insurance Master Thread
« Reply #779 on: October 07, 2015, 12:40:35 PM »
And lucky me my state happens to have the highest auto insurance in the country. For good reason but still...