Author Topic: Car Insurance Master Thread (Read 325560 times)

Sowhat · « **Reply #420 on:** September 15, 2013, 10:07:41 PM »

Let me clarify. I added two drivers, age 18 and 17. Got quote for like $4500. At same time 18 y/o went to EY, so they took some $800 off. Not sure what to do other than drop comprehensive on 2005 altima.

DovtheBear · « **Reply #421 on:** September 15, 2013, 11:21:42 PM »

Quote from: Sowhat on September 15, 2013, 10:07:41 PM

Let me clarify. I added two drivers, age 18 and 17. Got quote for like $4500. At same time 18 y/o went to EY, so they took some $800 off. Not sure what to do other than drop comprehensive on 2005 altima.

I'm referring to an 18 y/o as well. Then the next child (17) also wanted to get a license and they quoted $0 additional.

Rivky · « **Reply #422 on:** October 14, 2013, 01:49:47 PM »

Does anyone have any experience with taking a legit online defensive driving course. I googled it and so many came up for $25. Anyone have any good / bad experiences with this. I want the 10% off my insurance. Tia

AnonymousUser · « **Reply #423 on:** October 14, 2013, 02:14:44 PM »

Quote from: Rivky on October 14, 2013, 01:49:47 PM

Does anyone have any experience with taking a legit online defensive driving course. I googled it and so many came up for $25. Anyone have any good / bad experiences with this. I want the 10% off my insurance. Tia

I took the one mentioned here, and I got a certificate, but as I posted there, in NJ you only get ca discount if the primary driver takes the course.

YSP · « **Reply #424 on:** October 14, 2013, 03:19:21 PM »

Quote from: Rivky on October 14, 2013, 01:49:47 PM

Does anyone have any experience with taking a legit online defensive driving course. I googled it and so many came up for $25. Anyone have any good / bad experiences with this. I want the 10% off my insurance. Tia

The ones online are usually legit. $25 makes sense. The ones you see advertised in papers though you sometimes have to be wary of. I know of one peron who was giving fake courses and the insurance company wouldn't recognize the cert because he wasn't certified by the DMV and all the people had to retake the course.

Rivky · « **Reply #425 on:** October 14, 2013, 03:42:09 PM »

Quote from: AnonymousUser on October 14, 2013, 02:14:44 PM

I took the one mentioned here, and I got a certificate, but as I posted there, in NJ you only get ca discount if the primary driver takes the course.

Ok thanks. I'm in ny. How long did it take you.

YSP · « **Reply #426 on:** October 14, 2013, 03:51:22 PM »

Quote from: Rivky on October 14, 2013, 03:42:09 PM

Ok thanks. I'm in ny. How long did it take you.

It's a 6 hour course

katherine123 · « **Reply #427 on:** October 28, 2013, 01:51:04 PM »

Is Geico really the cheapest option? I can't combine with home insurance because I don't own a home. I have a perfect record (bli ayin hara!). Are there any cheaper insurance companies?

ayman · « **Reply #428 on:** October 28, 2013, 01:52:56 PM »

U can combine w renters insurance.
Prob depends where you live among other factors.

sguitarist18 · « **Reply #429 on:** October 28, 2013, 01:59:40 PM »

Price it out - every company uses a different combination of factors, so you probably won't find one company that's cheapest across the board.

sammy n · « **Reply #430 on:** October 28, 2013, 03:20:56 PM »

I'm my case geico was the cheapest but then they got back the report from the dmv that I have 2 seatbelt tickets and they doubled my policy. But it's still the cheapest for me although other insurance company's don't care about seatbelt tickets...

ckmk47 · « **Reply #431 on:** October 29, 2013, 12:02:54 AM »

Pay some attention to the quality of the company. Some are soo bad (progressive) that they almost never pay out.

Marco Polo · « **Reply #432 on:** October 29, 2013, 09:30:07 AM »

Quote from: ckmk47 on October 29, 2013, 12:02:54 AM

Pay some attention to the quality of the company. Some are soo bad (progressive) that they almost never pay out.

Just had an accident and Geico was really on top of it. From Thursday night - Monday, they had already looked at my car and gave me a payout number. Very happy with them.

YSP · « **Reply #433 on:** October 30, 2013, 03:29:51 PM »

Quote from: ayman on October 28, 2013, 01:52:56 PM

U can combine w renters insurance.
Prob depends where you live among other factors.

Not all companies will do renters insurance in a lot of NY because of the coastal exposure.

Sowhat · « **Reply #434 on:** October 30, 2013, 03:45:48 PM »

Quote from: DovtheBear on September 15, 2013, 11:21:42 PM

I'm referring to an 18 y/o as well. Then the next child (17) also wanted to get a license and they quoted $0 additional.

I had better luck with Geico

sky121 · « **Reply #435 on:** October 30, 2013, 11:04:24 PM »

Does anyone know how insurance works for a salvage title?

Any issues to be aware of beforehand?

My friend is considering buying a salvage car and is trying to figure out if insurance is an issue.

YSP · « **Reply #436 on:** October 31, 2013, 10:06:30 AM »

Quote from: sky121 on October 30, 2013, 11:04:24 PM

Does anyone know how insurance works for a salvage title?

Any issues to be aware of beforehand?

My friend is considering buying a salvage car and is trying to figure out if insurance is an issue.

yes, Most insurance companies will not insure the vehicle. It's not a question of rate. it's a question of eligibility.

KidOOO · « **Reply #437 on:** November 06, 2013, 10:16:09 PM »

Iv'e had good experience with State Farm. when i was 23 and leased a car lowest any company would quote me was $400 a month (i had a not at fault accident and 1 no turn ticket both over 2 years old)

State farm agent managed to get me down to $300 a month. here's for hoping i can get it down sometime soon

YSP · « **Reply #438 on:** November 07, 2013, 11:29:16 AM »

Quote from: KidOOO on November 06, 2013, 10:16:09 PM

State farm agent managed to get me down to $300 a month. here's for hoping i can get it down sometime soon

Still sounds high. Hope you do get a lower rate

Dan · « **Reply #439 on:** November 07, 2013, 11:30:55 AM »

Quote from: KidOOO on November 06, 2013, 10:16:09 PM

State farm agent managed to get me down to $300 a month. here's for hoping i can get it down sometime soon

Man that's expensive.
I've got 2 drivers and 2 cars and pay less than $300 for 6 months of comprehensive coverage with $300K of coverage.

Topic Wiki

Poll

How much liability insurance do you think is prudent?

Author Topic: Car Insurance Master Thread (Read 325560 times)