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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
Moshe Fishman
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Nationwide- Yehuda Spero
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Trumper Insurance
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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
2 (0.8%)
1m
16 (6.2%)
more than 1m
10 (3.9%)

Total Members Voted: 257

Author Topic: Car Insurance Master Thread  (Read 321524 times)

Offline hachover

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Re: Car Insurance Master Thread
« Reply #1000 on: August 07, 2017, 01:39:14 PM »
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.

I have Geico, and $500 comprehensive deductible. My understanding was that they waive the deductible for repairs but not replacements. Obviously this can vary widely by insurer and by state, but if for some reason I'm wrong and they waive the deductible to replace my windshield then I would go through them.

I am nearly certain that the glass claim will show up on your CLUE report, but I can't give any insight into whether or not that means higher premiums.
I'm an optimist; but only because life isn't going to give me any other good choices.

Offline aryeh1

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Re: Car Insurance Master Thread
« Reply #1001 on: August 21, 2017, 06:18:31 PM »
Someone hit my car while parked, so I'm going through their insurance allstate- they said i could either send them pictures of accident or they can send an inspector down to me. Anyone know which is better option? The other option is to take to a collision shop and they would do anything but figured easier to get the check first and then decide which shop to use..
Thanks

Offline Josef.koney

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Re: Car Insurance Master Thread
« Reply #1002 on: September 03, 2017, 03:05:35 PM »
I have a gico policy in nj, is there any problems with adding another car that will be used mainly in miami?  (In yeshiva...) But the car is registered in nj
 thanks!

Offline REB YID

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Re: Car Insurance Master Thread
« Reply #1003 on: September 03, 2017, 03:12:45 PM »
the place for insurance is Zurich Spira @ prime insurance agency 34-382-0886

Offline greatdeals

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Re: Car Insurance Master Thread
« Reply #1004 on: November 05, 2017, 11:05:29 AM »
how much is insurance for a new driver?
are there any companies that are better for new drivers
my son just got his licensce

Offline ADG

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Re: Car Insurance Master Thread
« Reply #1005 on: November 06, 2017, 01:55:50 PM »
Does one get quotes before s/he buys to know what cost might be for a prospective car or do you first buy and then attempt to get quotes?


Offline googwallet

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Re: Car Insurance Master Thread
« Reply #1006 on: November 06, 2017, 03:39:29 PM »
Does one get quotes before s/he buys to know what cost might be for a prospective car or do you first buy and then attempt to get quotes?
It would be wise to get quotes first as that can help determine which car to buy. For example, Nissan's are often expensive to ensure.

Offline YosefJ

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Re: Car Insurance Master Thread
« Reply #1007 on: December 03, 2017, 02:23:13 AM »
Is it possible for me to get an insurance policy for myself on a car that belongs to my brother without reregistering it.

It's registered to him in NJ but he doesn't want to add it to his policy and it currently has no insurance.

I live in NY. (And by the way I only plan on using it for 2 months so is there a better option than regular insurance?)
Any advice is appreciated, I'm clueless.

Offline nucheiner

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Re: Car Insurance Master Thread
« Reply #1008 on: January 08, 2018, 10:47:04 PM »
TIP: I priced out a policy with GEICO. At checkout they raised it on me from  about 700 to 900. So I exited the browser and restarted the policy with my wife as the policyholder and myself as the additional. Came out to about 600!

Was paying close to double the with Liberty Mutual.

Offline yitzf

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Re: Car Insurance Master Thread
« Reply #1009 on: January 08, 2018, 11:14:18 PM »
TIP: I priced out a policy with GEICO. At checkout they raised it on me from  about 700 to 900. So I exited the browser and restarted the policy with my wife as the policyholder and myself as the additional. Came out to about 600!

Was paying close to double the with Liberty Mutual.

same thing happened to me around 7 years ago with Geico.

Offline ludmila

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Re: Car Insurance Master Thread
« Reply #1010 on: January 08, 2018, 11:14:58 PM »
TIP: I priced out a policy with GEICO. At checkout they raised it on me from  about 700 to 900. So I exited the browser and restarted the policy with my wife as the policyholder and myself as the additional. Came out to about 600!

Was paying close to double the with Liberty Mutual.
So start in your name, wait for quote, close browser and restart under wife's name with you as additional driver and you should get a better quote? Or did I misunderstand you?
I was the Best,still the Best, and will always be the Best.
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Offline yitzf

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Re: Car Insurance Master Thread
« Reply #1011 on: January 08, 2018, 11:23:30 PM »
So start in your name, wait for quote, close browser and restart under wife's name with you as additional driver and you should get a better quote? Or did I misunderstand you?

I don't think it's a shtick, just they price it differently depending on which spouse is the primary. If I would of done my wife as primary first I think I would of gotten the lower price right away.

Offline nucheiner

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Re: Car Insurance Master Thread
« Reply #1012 on: January 08, 2018, 11:40:49 PM »
I don't think it's a shtick, just they price it differently depending on which spouse is the primary. If I would of done my wife as primary first I think I would of gotten the lower price right away.
Correct. It's not a trick. There are two ways to create the policy. In certain instances one spouse being primary may be better then the other. Try em both.

Offline ludmila

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Re: Car Insurance Master Thread
« Reply #1013 on: January 09, 2018, 12:14:11 AM »
Correct. It's not a trick. There are two ways to create the policy. In certain instances one spouse being primary may be better then the other. Try em both.
Thanks to you and @yitzf , will try upon renewal time.
I was the Best,still the Best, and will always be the Best.
Pele Good,Maradona Better, George Best.

Offline helpinghand

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Re: Car Insurance Master Thread
« Reply #1014 on: January 09, 2018, 01:03:05 AM »
Correct. It's not a trick. There are two ways to create the policy. In certain instances one spouse being primary may be better then the other. Try em both.
+1, also the driver better credit can also get a better quote as being the primary policy holder

Offline travel-ing

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Re: Car Insurance Master Thread
« Reply #1015 on: January 21, 2018, 01:03:08 PM »
Whats the best way to get a good insurance rate on a lease?
what are the requirements as far as coverage?
is $260/month a lot or normal on a camry lease?

Online moko

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Re: Car Insurance Master Thread
« Reply #1016 on: January 21, 2018, 01:26:30 PM »
Whats the best way to get a good insurance rate on a lease?
what are the requirements as far as coverage?
is $260/month a lot or normal on a camry lease?
sounds like a boatload of money.

Offline Yammer

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Re: Car Insurance Master Thread
« Reply #1017 on: January 21, 2018, 01:26:33 PM »
Whats the best way to get a good insurance rate on a lease?
what are the requirements as far as coverage?
is $260/month a lot or normal on a camry lease?
1) go to a few brokers, there are a few in the wiki ( I personally got the best price at Trumper )
2) full coverage
3) sounds high

Offline Mendel93

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Re: Car Insurance Master Thread
« Reply #1018 on: January 21, 2018, 01:33:29 PM »
Whats the best way to get a good insurance rate on a lease?
what are the requirements as far as coverage?
is $260/month a lot or normal on a camry lease?
If you are located in Brooklyn and are fairly a new driver then this is what you are looking at.

Online moko

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Re: Car Insurance Master Thread
« Reply #1019 on: January 22, 2018, 11:40:38 AM »
If you are located in Brooklyn and are fairly a new driver then this is what you are looking at.
I lived in Brooklyn for 7 years and payed $840 for six months with Geico 100/300. (Granted it was for an '04 Avalon though your main cost is in liability not comprehensive)
Now in Boston paying $850 for '04 Avalon and 2013 Sienna 500/500