Topic Wiki

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

Which Insurance Broker would you recommend:

5MinuteInsure.com
Moshe Fishman
Online Comparison and Purchasing Platform for Auto, Home or Bundle Insurance
Recommended by - Reb Moshe


Nationwide- Yehuda Spero
443-845-9552
speroy@nationwide.com



Insurance Depot
718-921-2300
Info@insdepot.com
Recommend by -Z56


Trumper Insurance
845-356-1899

Recommend by -Yammer

Worldwide Rental Car insurance ask Superflyer

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 321793 times)

Offline Centro

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2012
  • Posts: 2935
  • Total likes: 8
  • DansDeals.com Hat Tips 33
  • Gender: Male
    • View Profile
Re: Car Insurance Master Thread
« Reply #880 on: December 20, 2016, 07:51:42 PM »
Will a first timer get a cheaper quote if he's being added to someone else's policy?

And if so, does that mean that if anything happens to car #2 then it'll effect the original policy holder?

Online yelped

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2015
  • Posts: 10481
  • Total likes: 3836
  • DansDeals.com Hat Tips 43
    • View Profile
Re: Car Insurance Master Thread
« Reply #881 on: December 21, 2016, 09:14:03 AM »
Will a first timer get a cheaper quote if he's being added to someone else's policy?

And if so, does that mean that if anything happens to car #2 then it'll effect the original policy holder?
Put yourself on someone's policy as an additional, not residing at same address (obviously, only if it's true). Shouldn't cost much, if anything. Now get yourself quotes for policies for yourself and write that you have been insured for whatever months the original policy is. Usually they put it in automatically. Enjoy the greatly cheaper rates. Get yourself taken off the old policy once you're own policy is in effect.

Offline Centro

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2012
  • Posts: 2935
  • Total likes: 8
  • DansDeals.com Hat Tips 33
  • Gender: Male
    • View Profile
Re: Car Insurance Master Thread
« Reply #882 on: December 21, 2016, 09:19:53 AM »


Put yourself on someone's policy as an additional, not residing at same address (obviously, only if it's true). Shouldn't cost much, if anything. Now get yourself quotes for policies for yourself and write that you have been insured for whatever months the original policy is. Usually they put it in automatically. Enjoy the greatly cheaper rates. Get yourself taken off the old policy once you're own policy is in effect.
I should put my self on someone's policy as an additional driver on his car or I add my car to his policy?

Also, how soon will the adding process take it should go into effect, immediately?
If so, can I look for quotes 2 minutes after adding my self?

Thanks for your help!

Online yelped

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2015
  • Posts: 10481
  • Total likes: 3836
  • DansDeals.com Hat Tips 43
    • View Profile
Re: Car Insurance Master Thread
« Reply #883 on: December 21, 2016, 10:55:24 AM »
I should put my self on someone's policy as an additional driver on his car or I add my car to his policy?

Also, how soon will the adding process take it should go into effect, immediately?
If so, can I look for quotes 2 minutes after adding my self?

Thanks for your help!
Add yourself as an additional driver on the original car, otherwise it would cost you the same.

Officially some companies require 30 days, and some require 6 months of being on the policy, but in practice, I've found that as soon as the change to the original policy takes effect, you would see a huge difference in price. It appears that they only see the start date of the original owner of the policy. Usually the changes take effect at midnight. So you would have to wait a day. Ask the rep.

Offline Centro

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2012
  • Posts: 2935
  • Total likes: 8
  • DansDeals.com Hat Tips 33
  • Gender: Male
    • View Profile
Re: Car Insurance Master Thread
« Reply #884 on: December 21, 2016, 10:58:23 AM »
Add yourself as an additional driver on the original car, otherwise it would cost you the same.

Officially some companies require 30 days, and some require 6 months of being on the policy, but in practice, I've found that as soon as the change to the original policy takes effect, you would see a huge difference in price. It appears that they only see the start date of the original owner of the policy. Usually the changes take effect at midnight. So you would have to wait a day. Ask the rep.
Alright, thank you very very much!

Online yelped

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2015
  • Posts: 10481
  • Total likes: 3836
  • DansDeals.com Hat Tips 43
    • View Profile
Re: Car Insurance Master Thread
« Reply #885 on: December 22, 2016, 06:43:46 PM »
Alright, thank you very very much!
Update? Worked?

Offline Centro

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2012
  • Posts: 2935
  • Total likes: 8
  • DansDeals.com Hat Tips 33
  • Gender: Male
    • View Profile
Re: Car Insurance Master Thread
« Reply #886 on: December 25, 2016, 08:59:05 AM »
Update? Worked?
Not yet, waiting for my friend to add me. I'll report back.

Offline mgarfin

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2012
  • Posts: 2569
  • Total likes: 294
  • DansDeals.com Hat Tips 2
    • View Profile
Re: Car Insurance Master Thread
« Reply #887 on: December 27, 2016, 02:50:10 PM »
Put yourself on someone's policy as an additional, not residing at same address (obviously, only if it's true). Shouldn't cost much, if anything. Now get yourself quotes for policies for yourself and write that you have been insured for whatever months the original policy is. Usually they put it in automatically. Enjoy the greatly cheaper rates. Get yourself taken off the old policy once you're own policy is in effect.

Does this work only to reduce the price at the same company, or if I'm added, all companies will see that I am currently insured?

Online yelped

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2015
  • Posts: 10481
  • Total likes: 3836
  • DansDeals.com Hat Tips 43
    • View Profile
Re: Car Insurance Master Thread
« Reply #888 on: December 27, 2016, 04:07:53 PM »
Does this work only to reduce the price at the same company, or if I'm added, all companies will see that I am currently insured?
Should work with all. They ask you if you have insurance in the quoting process.

Offline kaman

  • Dansdeals Bronze Elite
  • *
  • Join Date: Nov 2013
  • Posts: 43
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Car Insurance Master Thread
« Reply #889 on: December 27, 2016, 04:17:35 PM »
Put yourself on someone's policy as an additional, not residing at same address (obviously, only if it's true). Shouldn't cost much, if anything. Now get yourself quotes for policies for yourself and write that you have been insured for whatever months the original policy is. Usually they put it in automatically. Enjoy the greatly cheaper rates. Get yourself taken off the old policy once you're own policy is in effect.

sounds like insurance fraud to me. curious if you actually have a large claim whether they can deny after research?

Online yelped

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2015
  • Posts: 10481
  • Total likes: 3836
  • DansDeals.com Hat Tips 43
    • View Profile
Re: Car Insurance Master Thread
« Reply #890 on: December 27, 2016, 08:11:17 PM »
sounds like insurance fraud to me. curious if you actually have a large claim whether they can deny after research?
Why? Explain. They ask you if you have insurance. So now you have.

Offline ezmk

  • Dansdeals Gold Elite
  • ***
  • Join Date: Apr 2014
  • Posts: 100
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Car Insurance Master Thread
« Reply #891 on: December 27, 2016, 08:53:16 PM »
By adding myself as a additional driver does my history  effect the primary driver rate

Offline mgarfin

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2012
  • Posts: 2569
  • Total likes: 294
  • DansDeals.com Hat Tips 2
    • View Profile
Re: Car Insurance Master Thread
« Reply #892 on: December 28, 2016, 08:27:17 AM »
Why? Explain. They ask you if you have insurance. So now you have.

Do you need to answer for how long?

Offline YSP

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Apr 2013
  • Posts: 273
  • Total likes: 13
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Car Insurance Master Thread
« Reply #893 on: December 28, 2016, 11:05:15 AM »
By adding myself as a additional driver does my history  effect the primary driver rate

Absolutley

Offline ezmk

  • Dansdeals Gold Elite
  • ***
  • Join Date: Apr 2014
  • Posts: 100
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Car Insurance Master Thread
« Reply #894 on: December 28, 2016, 12:18:02 PM »
Absolutley
Then why should he want to, and how will that give a better rate

Online yelped

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2015
  • Posts: 10481
  • Total likes: 3836
  • DansDeals.com Hat Tips 43
    • View Profile
Re: Car Insurance Master Thread
« Reply #895 on: December 28, 2016, 06:26:10 PM »
Absolutley
Not if you don't reside at the same address. In other words, you don't really affect the risk factor because you're not really using the car. That was my experience, but you could be right, technically.

Online yelped

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2015
  • Posts: 10481
  • Total likes: 3836
  • DansDeals.com Hat Tips 43
    • View Profile
Re: Car Insurance Master Thread
« Reply #896 on: December 28, 2016, 06:26:47 PM »
Do you need to answer for how long?
Usually they look up the policy themselves and fill it in for you.

Offline aryeh1

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Jan 2011
  • Posts: 4719
  • Total likes: 19
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: DDF
Re: Car Insurance Master Thread
« Reply #897 on: December 29, 2016, 03:24:37 PM »
Tried getting geico online, anyone ever get this?

"In order for us to continue reviewing your request for insurance, you must complete a paper application"

Is anyone else as cheap as them?
« Last Edit: December 29, 2016, 04:15:25 PM by aryeh1 »

Online yelped

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Mar 2015
  • Posts: 10481
  • Total likes: 3836
  • DansDeals.com Hat Tips 43
    • View Profile
Re: Car Insurance Master Thread
« Reply #898 on: December 29, 2016, 06:52:09 PM »
Tried getting geico online, anyone ever get this?

"In order for us to continue reviewing your request for insurance, you must complete a paper application"

Is anyone else as cheap as them?
Lol. That's not a simple question to answer. It depends. Every case is different. For me, Liberty Mutual is the cheapest by far. For someone else I helped, Nationwide was by far the cheapest. For someone else it was Allstate.

Offline mgarfin

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2012
  • Posts: 2569
  • Total likes: 294
  • DansDeals.com Hat Tips 2
    • View Profile
Re: Car Insurance Master Thread
« Reply #899 on: January 04, 2017, 09:34:30 AM »
Lol. That's not a simple question to answer. It depends. Every case is different. For me, Liberty Mutual is the cheapest by far. For someone else I helped, Nationwide was by far the cheapest. For someone else it was Allstate.

Reiterating, the need for a reliable comparison website, something that is nonexistent today.