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Total Members Voted: 257

Author Topic: Car Insurance Master Thread  (Read 321592 times)

Offline YSP

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Re: Car Insurance Master Thread
« Reply #440 on: November 07, 2013, 11:43:52 AM »
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.

We've gone down this road countless times Dan. Of course you're gonna pay less in Ohio than in NY. Plus you're married. We KNOW you've got good credit. You're a Homeowner. These are all major factors in rating. KidOOO may not have any of those.

I just find it amusing when people are grateful that they're ONLY paying $300 a month

Offline moko

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Re: Car Insurance Master Thread
« Reply #441 on: November 07, 2013, 01:57:03 PM »
We've gone down this road countless times Dan. Of course you're gonna pay less in Ohio than in NY. Plus you're married. We KNOW you've got good credit. You're a Homeowner. These are all major factors in rating. KidOOO may not have any of those.

I just find it amusing when people are grateful that they're ONLY paying $300 a month
i live in brooklyn and i dont know anyone pating $300 a month.

Offline skyguy918

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Re: Car Insurance Master Thread
« Reply #442 on: November 07, 2013, 02:20:01 PM »
i live in brooklyn and i dont know anyone pating $300 a month.
The address where the vehicle is listed as being parked is a significant factor in determining premium, but it is far from the only one.

Offline KidOOO

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Re: Car Insurance Master Thread
« Reply #443 on: November 07, 2013, 02:26:54 PM »
We've gone down this road countless times Dan. Of course you're gonna pay less in Ohio than in NY. Plus you're married. We KNOW you've got good credit. You're a Homeowner. These are all major factors in rating. KidOOO may not have any of those.

I just find it amusing when people are grateful that they're ONLY paying $300 a month

i am grateful for this price in relation to what I can get, not what others can get.

I am married with good credit, however i live in Brooklyn, plus minor accident and ticket in past 3-4 years, top that with young age and higher value car, you get $300.

Don't get me wrong, i know i'm paying a lot, but still cannot find anywhere else for cheaper

Offline good sam

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Re: Car Insurance Master Thread
« Reply #444 on: November 07, 2013, 03:59:24 PM »
Been mentioned on the thread before but I'd encourage all to get a quote from Liberty Mutual.  In my case, they came in significantly less than Geico and Allstate.  Also got additional discount for being a Fordham alum.
If you don't care why would you comment?
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Offline YSP

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Re: Car Insurance Master Thread
« Reply #445 on: November 07, 2013, 04:03:48 PM »
Personally, I found Nationwide to be the cheapest...

Offline yuneeq

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Re: Car Insurance Master Thread
« Reply #446 on: November 07, 2013, 08:23:55 PM »
...And I personally found metlife the cheapest. Obviously everyone is different and it always pays to look around for a deal. It took me some time and many phone calls but I found a plan that's saving me over 400 a year.

I want to know: is having a kid/kids a reason for the insurance rate to go down?

I've always heard it lowers your insurance but my broker told me it's a myth. I'd like to hear from others as well.
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Offline Ergel

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Re: Car Insurance Master Thread
« Reply #447 on: November 07, 2013, 09:42:26 PM »
Paying $460/month for two cars. Accident a year ago
Life isn't about checking the boxes. Nobody cares.

Offline Dan

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Re: Car Insurance Master Thread
« Reply #448 on: November 07, 2013, 09:59:19 PM »
Paying $460/month for two cars. Accident a year ago
Oy.  Hope I never get in one.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline ayman

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Re: Car Insurance Master Thread
« Reply #449 on: November 07, 2013, 10:03:30 PM »
1 car 2 drivers both under 25 in NYC for under $215 a mo w geico. I couldn't find anything else close. Leased car so have to have the better coverage.
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Offline Ergel

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Re: Car Insurance Master Thread
« Reply #450 on: November 07, 2013, 10:25:13 PM »
Oy.  Hope I never get in one.
IY"H. Although, truth is for YYZ it's not that high. I was paying like $230/month in NY
Life isn't about checking the boxes. Nobody cares.

Offline MnM1130

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Re: Car Insurance Master Thread
« Reply #451 on: November 07, 2013, 10:28:33 PM »
If anyone would want to try and get a cheaper quote- u can contact my husband. He works in insurance and he tries to beat quotes. cant promise anything.. but i can keep him busy for a few days :)

Offline YSP

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Re: Car Insurance Master Thread
« Reply #452 on: November 08, 2013, 10:09:50 AM »
...And I personally found metlife the cheapest. Obviously everyone is different and it always pays to look around for a deal. It took me some time and many phone calls but I found a plan that's saving me over 400 a year.

I want to know: is having a kid/kids a reason for the insurance rate to go down?

I've always heard it lowers your insurance but my broker told me it's a myth. I'd like to hear from others as well.

It's not a myth. Frist off, not every company offers that as a discount. Secondly, the ones that do only offer on single AND youthful drivers under 21. So unless the person fits that criteria then it's not something that makes a difference.

Offline bades

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Re: Car Insurance Master Thread
« Reply #453 on: November 08, 2013, 10:11:26 AM »
If you want a quote for cheaper insurance pm me

Offline fc

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Re: Car Insurance Master Thread
« Reply #454 on: November 08, 2013, 10:25:30 AM »
im 25yrs old and my wife is 23yrs, we both have license +3yrs.
i live in brooklyn and im leasing a honda accord , i pay $300 / month with Allstate for 2 drivers, i have great credit, no accidents on my record and so far no points,  for some reason when i tried with Geico, state farm (=> although i dont recommend them, they are much cheaper but they are known for giving very difficult times by payout when u file a claim ) no one can give better then 300/month.

Offline yuneeq

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Re: Car Insurance Master Thread
« Reply #455 on: November 08, 2013, 10:27:23 AM »
Thanks YSP for that answer.
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Offline ayman

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Re: Car Insurance Master Thread
« Reply #456 on: November 10, 2013, 11:44:06 PM »
im 25yrs old and my wife is 23yrs, we both have license +3yrs.
i live in brooklyn and im leasing a honda accord , i pay $300 / month with Allstate for 2 drivers, i have great credit, no accidents on my record and so far no points,  for some reason when i tried with Geico, state farm (=> although i dont recommend them, they are much cheaper but they are known for giving very difficult times by payout when u file a claim ) no one can give better then 300/month.
Have Geico, No accidents, good student, good credit, new car, two drivers under 25, for under $220 a month. Had to file a claim and had no issue at all getting a check from them.
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Offline fc

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Re: Car Insurance Master Thread
« Reply #457 on: November 11, 2013, 08:52:19 AM »
Have Geico, No accidents, good student, good credit, new car, two drivers under 25, for under $220 a month. Had to file a claim and had no issue at all getting a check from them.

I meant to say that STATE FARM gives a difficult time when filing a claim,geico should be okay

Offline YSP

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Re: Car Insurance Master Thread
« Reply #458 on: November 11, 2013, 12:49:25 PM »
I meant to say that STATE FARM gives a difficult time when filing a claim,geico should be okay

Hard to say that any one company has notoriously bad claims service.
Look at the facts. State Farm insures one out of every five cars on the road.

Offline fc

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Re: Car Insurance Master Thread
« Reply #459 on: November 11, 2013, 03:55:14 PM »
Hard to say that any one company has notoriously bad claims service.
Look at the facts. State Farm insures one out of every five cars on the road.
Having more costumers doesnt make them a better company, its if they pay out easy what makes an insurance company better.

http://www.justice.org/cps/rde/xbcr/justice/AAJ_Report_TenWorstInsuranceCompanies_FINAL.pdf

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