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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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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
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1m
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Total Members Voted: 257

Author Topic: Car Insurance Master Thread  (Read 321511 times)

Offline ExGingi

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Re: Car Insurance Master Thread
« Reply #840 on: June 23, 2016, 07:32:15 AM »
I'm probably going to put an allstate policy into effect. Anybody know a nice Jewish agent to give commission too? (I'm assuming I'll get at least as good as online quote, if not better.)
I recommend https://agents.allstate.com/david-kievman-hewlett-ny.html great service, and worked really hard during ChasunaFund.com hay days.
I've been waiting over 5 years with bated breath for someone to say that!
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Offline Z56

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Re: Car Insurance Master Thread
« Reply #841 on: June 23, 2016, 07:35:25 AM »
In NY.

I can sign up through these links and they'll get commission, right?

go thru a broker, you will be better off

and more reliable
“I have nothing in common with lazy people who blame others for their lack of success. Great things come from hard work

Offline ExGingi

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Re: Car Insurance Master Thread
« Reply #842 on: June 23, 2016, 07:55:24 AM »
go thru a broker, you will be better off

and more reliable
+1

Broker (that represents many companies) or Agent (representing Allstate and the likes). If Allstate is competitive (they were for me many years until they were not), I would say you are better off with an Agent than a broker, both are better than just an online service.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline Z56

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Re: Car Insurance Master Thread
« Reply #843 on: June 23, 2016, 08:15:14 AM »
+1

Broker (that represents many companies) or Agent (representing Allstate and the likes). If Allstate is competitive (they were for me many years until they were not), I would say you are better off with an Agent than a broker, both are better than just an online service.

Try Insurance Depot
718-921-2300

I've recommended him lately to lot of people, haven't heard one complaint....
“I have nothing in common with lazy people who blame others for their lack of success. Great things come from hard work

Offline Yehuda25

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Re: Car Insurance Master Thread
« Reply #844 on: June 23, 2016, 09:55:16 AM »
Pretty sure insurance won't insure out of state.
Is that with every company?
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Offline yelped

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Re: Car Insurance Master Thread
« Reply #845 on: June 23, 2016, 10:27:00 AM »
Is that with every company?
I know that with Liberty Mutual I couldn't add an out of state driver and vehicle. Though the driver alone I was able to add. Just not a vehicle registered in another state.

Offline YSP

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Re: Car Insurance Master Thread
« Reply #846 on: June 23, 2016, 12:46:55 PM »
Is that with every company?

Yes, The state of NY won't recognize a NJ policy so you'll get a suspended registration of you try it.

Offline Yehuda25

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Re: Car Insurance Master Thread
« Reply #847 on: June 24, 2016, 01:23:16 AM »
Yes, The state of NY won't recognize a NJ policy so you'll get a suspended registration of you try it.
good to know, thanks!
“To avoid criticism say nothing, do nothing, be nothing.”


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Offline REB YID

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Re: Car Insurance Master Thread
« Reply #848 on: July 04, 2016, 05:36:57 PM »
for the best insurance rates PM me

Offline yelped

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Re: Car Insurance Master Thread
« Reply #849 on: July 04, 2016, 07:47:09 PM »
for the best insurance rates PM me
Guaranteed? :)

Offline aryeh1

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Re: Car Insurance Master Thread
« Reply #850 on: July 20, 2016, 02:16:14 PM »
Car Rear ended me a few weeks ago when stopped by a red light, damage to my bumper was minimal and they had no damage. We agreed to file a police report but person that hit me preferred to pay out of pocket, never heard back from her, possibly they lost my contact info. How many days do i have to report to their insurance company? Also person was a yid and damage was minimal so I'm not sure if i would want their insurance to go up, even though it may anyways since there was a police report filled.

Offline chbochur

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Re: Car Insurance Master Thread
« Reply #851 on: July 20, 2016, 02:44:25 PM »
Car Rear ended me a few weeks ago when stopped by a red light, damage to my bumper was minimal and they had no damage. We agreed to file a police report but person that hit me preferred to pay out of pocket, never heard back from her, possibly they lost my contact info. How many days do i have to report to their insurance company? Also person was a yid and damage was minimal so I'm not sure if i would want their insurance to go up, even though it may anyways since there was a police report filled.
Police report should give you the name and address of the policy holder, that should be a good place to start

Offline aryeh1

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Re: Car Insurance Master Thread
« Reply #852 on: July 20, 2016, 10:51:35 PM »
Police report should give you the name and address of the policy holder, that should be a good place to start
But will her insurance go up either way since there was a police report?

Also how many days from the accident can it be reported?

Thanks!

Offline chbochur

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Re: Car Insurance Master Thread
« Reply #853 on: July 20, 2016, 11:00:15 PM »
But will her insurance go up either way since there was a police report?

Also how many days from the accident can it be reported?

Thanks!
Not sure if the car was in her name or not, but the way it works is once there's a police report the DMV now knows she was involved in an accident, but they don't tell the insurance company anything, if she decided to go now and insure a car the insurance company would check out her record from the DMV andshe'd probably end up payimg more since she has a accident on her record (regardless of whose at fault). But the car that was involved in the accident would not be effected (at least until they renegotiate the terms), but if you file an insurance claim from her then her policy would go up.

Not sure how long after the accident you have but I think technically you have years not days...

Offline aryeh1

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Re: Car Insurance Master Thread
« Reply #854 on: July 20, 2016, 11:03:50 PM »
Not sure if the car was in her name or not, but the way it works is once there's a police report the DMV now knows she was involved in an accident, but they don't tell the insurance company anything, if she decided to go now and insure a car the insurance company would check out her record from the DMV andshe'd probably end up payimg more since she has a accident on her record (regardless of whose at fault). But the car that was involved in the accident would not be effected (at least until they renegotiate the terms), but if you file an insurance claim from her then her policy would go up.

Not sure how long after the accident you have but I think technically you have years not days...
So your saying my insurance can go up as well even though was not at fault? Basically shouldn't have filled a police report...

Offline chbochur

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Re: Car Insurance Master Thread
« Reply #855 on: July 20, 2016, 11:06:57 PM »
So your saying my insurance can go up as well even though was not at fault? Basically shouldn't have filled a police report...
Yes correct ,
I was once hit driving someone else's car and there was minimal damage called the owner and asked if I should call the police they told me to call, and when he saw the damage he decided not to claim insurance so basically all that happened was that i have an accident on my record, so I feel you...

Offline Mendel93

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Re: Car Insurance Master Thread
« Reply #856 on: July 20, 2016, 11:13:16 PM »
How can I minimize the damage?

I received a speeding ticket in April which isn't on my driving record yet but it'll be showing shortly. Currently I am insured with Geico I'm paying $700 for 6 months in NY, I got my first policy 6 months ago, Geico only writes 6 month policies.
How can I avoid the points to reflect on my insurance rate?
I tried quoting with other insurance companies that offer 1 year policies (so that the next time they pull my driving record is almost 18 months after the violation) the cheapest I found was about $2000+ per yr, so it's not a recommended option. 
The question is how can I minimize the damage of the violation? Should I stay with Geico? I got a new quote with them now for another 6 months for the same $700, the question is what they will do in 6 months when they abstract my record and see the points, will they raise the policy? If yes that's why I tried quoting for 1 yr policies but didn't have any successful rates.

Anyone has any experience in the field is welcome, TYIA!!

Offline ExGingi

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Re: Car Insurance Master Thread
« Reply #857 on: July 21, 2016, 12:26:53 AM »
How can I minimize the damage?

I received a speeding ticket in April which isn't on my driving record yet but it'll be showing shortly. Currently I am insured with Geico I'm paying $700 for 6 months in NY, I got my first policy 6 months ago, Geico only writes 6 month policies.
How can I avoid the points to reflect on my insurance rate?
I tried quoting with other insurance companies that offer 1 year policies (so that the next time they pull my driving record is almost 18 months after the violation) the cheapest I found was about $2000+ per yr, so it's not a recommended option. 
The question is how can I minimize the damage of the violation? Should I stay with Geico? I got a new quote with them now for another 6 months for the same $700, the question is what they will do in 6 months when they abstract my record and see the points, will they raise the policy? If yes that's why I tried quoting for 1 yr policies but didn't have any successful rates.

Anyone has any experience in the field is welcome, TYIA!!
GEICO now writes commercial policies (very competitively priced), which are 1 year policies. Register and insure the car under a business (could probably even be sole proprietor).
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline YSP

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Re: Car Insurance Master Thread
« Reply #858 on: July 25, 2016, 01:43:26 PM »
GEICO now writes commercial policies (very competitively priced), which are 1 year policies. Register and insure the car under a business (could probably even be sole proprietor).

Won't help for a speeding ticket. They still check the driving record of all drivers.

I would recommend taking a defensive driving course.

Have you been convicted yet? They only count the ticket for 36 mo. from date of incident and not conviction so if you can delay court date a year or so that will help

Offline bubkiz

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Re: Car Insurance Master Thread
« Reply #859 on: July 25, 2016, 01:50:10 PM »

My front windshield cracked.

Will using Geico glass coverage count as a claim?

Will it affect my rates if i change insurers in the future?