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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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Nationwide- Yehuda Spero
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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 321748 times)

Offline yuneeq

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Re: Car Insurance Master Thread
« Reply #980 on: July 23, 2017, 06:49:01 AM »
Ok, after signing my first lease natuarally I needed insurance.
At the recommendation here at ddf I first tried the 2 agents in the wiki.
They each quoted me over $400 a month - being that I don't have any prior insurance, and wouldn't give me any tips on getting it for cheaper.
My wife and I (and anyone I told) thought this was insane, so we called a few companies ourselves.
While some of them were at those price ranges- we ended up getting GEICO for under $200- more than half less than the above quote.
After getting the quote from GEICO- one of the above agents told us that they know GEICO is better for ppl without prior insurance, but they are not agents for GEICO. I was very disappointed at the fact that they didn't offer me this info beforehand.

So PSA for ppl looking for first time insurance- don't go with agents!

It is pretty common knowledge that geico doesn't deal with brokers.
And yet even with a clean record my broker was able to get me a far cheaper rates with Liberty Mutual and MetLife.
Visibly Jewish

Offline chff

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Re: Car Insurance Master Thread
« Reply #981 on: July 23, 2017, 08:53:46 AM »
To clarify some basic insurance information.

1. Geico
2. State farm
3. Progressive

All companies above don't write insurance with agents at all! they only write directly with consumers, which means agents will never offer you any of the insurance companies mentioned above!!

I'm sure the list of companies go on...


On the other hand
 
1. Metlife
2. Harleysville
3. Hartford
4. Travelers

Only write via agents, and don't write directly with consumers.

Make your research before getting a policy!

P.S. on a personal experience I saw Geico specifically having great rates for driver's with clean records.
Progressive does work with agents

Offline ChaimMoskowitz

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Re: Car Insurance Master Thread
« Reply #982 on: July 23, 2017, 11:02:52 AM »
So PSA for ppl looking for first time insurance- don't go with agents!
YMMV
I just found a new supply of forks!

Offline yelped

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Re: Car Insurance Master Thread
« Reply #983 on: July 23, 2017, 04:15:15 PM »
YMMV
Correct. Agent got me insurance with Liberty Mutual for literally less than half the price of all the other quotes I had.

Offline cholent

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Re: Car Insurance Master Thread
« Reply #984 on: July 23, 2017, 04:21:13 PM »
I just got a letter in the mail, I'm being sued regarding my accident I mentioned above, where I rear ended someone. The person was walking around looking fine after the accident but when police showed up said she needed an ambulance because she couldn't even drive herself a quarter of a mile to the hospital down the block, so I'm not surprised. At this point the attorney's letter asked for insurance info. Anyone have any advice for me as to how to go forward?
Don't ask stupid questions and you won't get stupid answers

Offline Mendel93

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Re: Car Insurance Master Thread
« Reply #985 on: July 23, 2017, 04:40:34 PM »
Progressive does work with agents
You are right. Progressive works direct and via agent.

Offline Mendel93

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Re: Car Insurance Master Thread
« Reply #986 on: July 23, 2017, 04:42:33 PM »
There's a lot of basic information that needs to be updated to the top of the wiki.

Offline JACKBLUE

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Re: Car Insurance Master Thread
« Reply #987 on: July 23, 2017, 04:43:26 PM »
There's a lot of basic information that needs to be updated to the top of the wiki.
so please go ahead!

Offline Mendel93

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Re: Car Insurance Master Thread
« Reply #988 on: July 23, 2017, 04:43:54 PM »
so please go ahead!
I have no idea how it's done.

Offline JACKBLUE

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Re: Car Insurance Master Thread
« Reply #989 on: July 23, 2017, 04:47:53 PM »
I have no idea how it's done.
just click edit on the top left.

Offline Yammer

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Re: Car Insurance Master Thread
« Reply #990 on: July 23, 2017, 04:49:45 PM »
I have no idea how it's done.
If your on Tapa you can't.

Offline ChaimMoskowitz

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Re: Car Insurance Master Thread
« Reply #991 on: July 23, 2017, 05:22:11 PM »
Anyone have any advice for me as to how to go forward?
Goes without saying but don't talk to anyone. Rear end accident is automatic cash unfortunately.
I just found a new supply of forks!

Offline mgarfin

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Re: Car Insurance Master Thread
« Reply #992 on: July 23, 2017, 08:07:59 PM »
I just got a letter in the mail, I'm being sued regarding my accident I mentioned above, where I rear ended someone. The person was walking around looking fine after the accident but when police showed up said she needed an ambulance because she couldn't even drive herself a quarter of a mile to the hospital down the block, so I'm not surprised. At this point the attorney's letter asked for insurance info. Anyone have any advice for me as to how to go forward?

My sister just had something similar it was completely false.
Geico settled for 300k nothing she can do about it it's up to them

Offline cholent

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Re: Car Insurance Master Thread
« Reply #993 on: July 23, 2017, 08:11:01 PM »
My sister just had something similar it was completely false.
Geico settled for 300k nothing she can do about it it's up to them
Any effect on her?
Don't ask stupid questions and you won't get stupid answers

Offline Yammer

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Re: Car Insurance Master Thread
« Reply #994 on: July 23, 2017, 09:39:30 PM »
My sister just had something similar it was completely false.
Geico settled for 300k nothing she can do about it it's up to them

Hard for me to believe that Geico shelled out 300k for nothing.
Either she was seriously injured or a serious fraudster.



Offline Fish Tank

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Re: Car Insurance Master Thread
« Reply #995 on: July 23, 2017, 09:45:00 PM »
I just got a letter in the mail, I'm being sued regarding my accident I mentioned above, where I rear ended someone. The person was walking around looking fine after the accident but when police showed up said she needed an ambulance because she couldn't even drive herself a quarter of a mile to the hospital down the block, so I'm not surprised. At this point the attorney's letter asked for insurance info. Anyone have any advice for me as to how to go forward?
That's why you have auto insurance. Your insurance company will have their lawyers fight it out with the opposing lawyer. 



Offline mgarfin

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Re: Car Insurance Master Thread
« Reply #996 on: July 23, 2017, 11:25:56 PM »
Any effect on her?

It was my father's policy with a very long clear history and has had Geico for a very long time, so meanwhile no.
Hard for me to believe that Geico shelled out 300k for nothing.
Either she was seriously injured or a serious fraudster.




Taxi driver = serious fraudster
 Driver actually changed with his friend before police and ambulance arrived.
My point was that Geico only spoke to my sister once for 10 min and from there handled all in the dark. We have know info on why this settelment

Offline skyguy918

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Re: Car Insurance Master Thread
« Reply #997 on: August 07, 2017, 12:41:28 PM »
Anyone know whether a windshield replacement is worth doing through insurance? I actually just switched my policy recently and ended up keeping the full glass coverage they quoted me with, so I certainly can get it fully covered. Just wondering if it's worth whatever premium increase I'm likely to see due to the claim.

Offline hachover

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Re: Car Insurance Master Thread
« Reply #998 on: August 07, 2017, 12:55:40 PM »
Anyone know whether a windshield replacement is worth doing through insurance? I actually just switched my policy recently and ended up keeping the full glass coverage they quoted me with, so I certainly can get it fully covered. Just wondering if it's worth whatever premium increase I'm likely to see due to the claim.

I'm going through this exact same thing right now.

The insurance company claims that all glass damage is "no-fault" so it should not increase your premiums to make a claim. I'm skeptical though, because they are usually very creative at skirting anti-increase regs through taking away discounts that you would otherwise have qualified for.

Do you need to replace the windshield or just repair? If it's repair, many companies waive the deductible so it is more likely to make sense for you to go through insurance. If you need it replaced, you have to meet the deductible first. If you go through Safelite.com the cost of replacement is around $400 (give or take $100 depending on your car), so compare that to your deductible and figure out how much insurance would write a check for.

Repair, if you pay for it yourself, is around $150 (less if you go to their shop).
I'm an optimist; but only because life isn't going to give me any other good choices.

Offline skyguy918

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Re: Car Insurance Master Thread
« Reply #999 on: August 07, 2017, 01:03:18 PM »
I'm going through this exact same thing right now.

The insurance company claims that all glass damage is "no-fault" so it should not increase your premiums to make a claim. I'm skeptical though, because they are usually very creative at skirting anti-increase regs through taking away discounts that you would otherwise have qualified for.

Do you need to replace the windshield or just repair? If it's repair, many companies waive the deductible so it is more likely to make sense for you to go through insurance. If you need it replaced, you have to meet the deductible first. If you go through Safelite.com the cost of replacement is around $400 (give or take $100 depending on your car), so compare that to your deductible and figure out how much insurance would write a check for.

Repair, if you pay for it yourself, is around $150 (less if you go to their shop).
No deductible, I have full glass coverage. It's almost certainly a replace. I believe we had to replace the windshield on our previous lease, and it was under $200 - though that was a sedan, and now we're in a minivan.

Regarding premium increases, my agent (Allsate) replied that "there is no claim that will help you policy". Still leaning towards filing the claim, since there's no deductible.