Car Insurance Master Thread

[yeshivabucher]

Most companies allow you to add a "Student" to your policy without an additional cost.
(For your child who is a student and does not live at home anymore) 
In the best case scenario, it could bring down your policy cost.

IME with geico  i was added as a student at 18 didnt live at home and was not charged. it really came in handy when i got married that i had 5 years of insurance history and got very good rates for my age

[ae123]

IME with geico  i was added as a student at 18 didnt live at home and was not charged. it really came in handy when i got married that i had 5 years of insurance history and got very good rates for my age

GEICO didn't offer us that. They raised the rates by over $600.
I guess we'll try again.

[ae123]

IME with geico  i was added as a student at 18 didnt live at home and was not charged. it really came in handy when i got married that i had 5 years of insurance history and got very good rates for my age

GEICO told us that if the school is within 100 miles of home the rates go up.
Is this true or YMMV based on who takes the call?

[googwallet]

I need my windshield replaced to pass state inspection. I can do it through insurance with a $50 deductible or pay out of pocket $300. My inclination is to use the insurance, but I know having a claim, even a no fault one, will be on my record and can affect future rates. Does anyone have experience with this?

[CountValentine]

I need my windshield replaced to pass state inspection. I can do it through insurance with a $50 deductible or pay out of pocket $300. My inclination is to use the insurance, but I know having a claim, even a no fault one, will be on my record and can affect future rates. Does anyone have experience with this?

Are you sure it will be on your record. Mine was a few years back with State Farm and had no effect on the rates.

[yelped]

GEICO told us that if the school is within 100 miles of home the rates go up.
Is this true or YMMV based on who takes the call?

Sounds exactly right.

[googwallet]

Are you sure it will be on your record. Mine was a few years back with State Farm and had no effect on the rates.

Not 100% sure, but a previous glass claim showed on my record when I was shopping rates a few years ago.

[CountValentine]

Not 100% sure, but a previous glass claim showed on my record when I was shopping rates a few years ago.

That's not good.

[nucheiner]

That's not good.

I think a Roadside Assistance call with Liberty Mutual can show up (dunno about other carriers). However, IIRC it didn't have any effect on rates. Perhaps this is similar.

[davidd75]

I have an old car which I insure and have registration and title for it but somebody else mostly uses the car.
what are reprecussions of such an arrangement

for tickets etcc its on the driver and accidents will obviously affect my insurance
anything else I am missing what if i take insurance off and still have it registered  and titled to me any potential issues for me?

[googwallet]

I have an old car which I insure and have registration and title for it but somebody else mostly uses the car.
what are reprecussions of such an arrangement

If the car is insured at an address other than where it's primarily parked, it could be insurance fraud. Nothing will happen unless there is a large payout and insurance does an investigation. If they do, it can be a big issue.

for tickets etcc its on the driver and accidents will obviously affect my insurance
anything else I am missing what if i take insurance off and still have it registered  and titled to me any potential issues for me?

If you remove insurance then you can get fined for a gap of coverage. Some states are more strict than others but NY is especially harsh and will fine you for every day the vehicle is registered without valid insurance.
If you are asking about someone else insuring the car while it's in your name, this varies by the state and insurer. Some will allow it, some won't.

[davidd75]

If the car is insured at an address other than where it's primarily parked, it could be insurance fraud. Nothing will happen unless there is a large payout and insurance does an investigation. If they do, it can be a big issue.
If you remove insurance then you can get fined for a gap of coverage. Some states are more strict than others but NY is especially harsh and will fine you for every day the vehicle is registered without valid insurance.
If you are asking about someone else insuring the car while it's in your name, this varies by the state and insurer. Some will allow it, some won't.

 thanks I was referring to NJ
what happens if I take off my insurance? and/or the driver puts his own insurance on the car that is registered and titled to me?
any potential issues?

[davidd75]

thanks I was referring to NJ
what happens if I take off my insurance? and/or the driver puts his own insurance on the car that is registered and titled to me?
any potential issues?

for example can I take off my insurance and the driver can purchase his non-owner auto policy for liability etc...

[coffeebean]

Anyone familiar with Intellidrive? They say I have 0 distractions, but I did use my phone. How would they detect.

[coffeebean]

Also, if anyone has experience, did this app hurt you in the future?

[fisherprice]

Hi everyone. Is it worth it to take out an unlimited tort (ability to sue) auto plan, as it does bump up premiums significantly?

[dovy2]

Hi everyone. Is it worth it to take out an unlimited tort (ability to sue) auto plan, as it does bump up premiums significantly?

if you think the chances of a non Jewish millionaire getting into an accident with you, with him completely at-fault, are high, then yes.

[YSP]

Hi everyone. Is it worth it to take out an unlimited tort (ability to sue) auto plan, as it does bump up premiums significantly?

Most ppl have limited tort on their policies

[YSP]

Anyone familiar with Intellidrive? They say I have 0 distractions, but I did use my phone. How would they detect.

If you pick up your phone while you are driving.

[coffeebean]

If you pick up your phone while you are driving.

Move phone or use of phone?