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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 321622 times)

Offline sammy n

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Re: Car Insurance Master Thread
« Reply #620 on: August 20, 2014, 09:07:50 AM »

Am I overpaying?

06 impala, liability only, I'm the only driver, 24 yrs old, no history of moving violations, got my license in 2010, I live in Monsey I currently have geico.
Paying $477 / 6 Mo

Did I forget anything?
Thats pretty good.

Offline michael

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Re: Car Insurance Master Thread
« Reply #621 on: September 16, 2014, 08:02:16 PM »
My friend borrowed my car a few months ago and got into an accident. I just got my new bill and called the company- it went up by $350 per year due to the accident. The accident is not on my personal driving record (I assume). If I switch insurance companies, will this accident come along with me and keep my rate high?

Offline YSP

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Re: Car Insurance Master Thread
« Reply #622 on: September 16, 2014, 08:02:51 PM »
No

Offline avrumy22

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Re: Car Insurance Master Thread
« Reply #623 on: October 04, 2014, 11:45:19 PM »
If I have a ticket coming up that I may lose, whats the best way to lock in a rate for a year? Do I call my current insurance (Geico) and ask for a year contract?

Offline googwallet

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Re: Car Insurance Master Thread
« Reply #624 on: October 05, 2014, 12:29:59 AM »
Thats pretty good.
Sure thing.

Just made some calls to see if I can get a better deal the best they could offer wad $1200/6 mo while now I'm paying $477.

Offline Thingywingy

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Re: Car Insurance Master Thread
« Reply #625 on: October 06, 2014, 01:56:27 AM »
Someone with a rental car hit my parked car and filed a police report. My understanding is even though its 100% no fault it may have a negative impact on my insurance. While by itself it won't raise the rates if there is more than one no-fault that may raise the rate. Can I make a claim with rental insurance without going through my insurance? I know the driver, as well as the local rental company that provided the liability insurance.
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline YSP

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Re: Car Insurance Master Thread
« Reply #626 on: October 06, 2014, 02:01:48 PM »
Someone with a rental car hit my parked car and filed a police report. My understanding is even though its 100% no fault it may have a negative impact on my insurance. While by itself it won't raise the rates if there is more than one no-fault that may raise the rate. Can I make a claim with rental insurance without going through my insurance? I know the driver, as well as the local rental company that provided the liability insurance.

You should be able to go through the rental car companies insurance or if the person denied their coverage you can claim it through their personal insurance

Offline HowYaDoin

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Re: Car Insurance Master Thread
« Reply #627 on: October 30, 2014, 04:03:48 PM »
So after a year with a couple of tickets and an accident the inevitable happened.... my rates sky rocketed i have AAA, anybody have any eitzos?

Offline mawmaw

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Re: Car Insurance Master Thread
« Reply #628 on: October 31, 2014, 12:10:30 AM »
liberty mutual have the best rates for bad records from my experience you can pm me for more info 

Offline DK23

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Re: Car Insurance Master Thread
« Reply #629 on: October 31, 2014, 10:19:35 AM »
If I have a ticket coming up that I may lose, whats the best way to lock in a rate for a year? Do I call my current insurance (Geico) and ask for a year contract?

Geico only "locks in" a policy for 6 months at a time. 

Offline avrumy22

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Re: Car Insurance Master Thread
« Reply #630 on: October 31, 2014, 10:59:54 AM »
Geico only "locks in" a policy for 6 months at a time.

YE..... anyone kno an insurance co that offers a year rate?

Offline zevi

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Re: Car Insurance Master Thread
« Reply #631 on: October 31, 2014, 11:08:08 AM »
Try Farmers insurance they generally have cheap rates

Offline HowYaDoin

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Re: Car Insurance Master Thread
« Reply #632 on: October 31, 2014, 11:21:18 AM »
YE..... anyone kno an insurance co that offers a year rate?
AAA and in jersey they are very competitive (even for high risk ppl like myself)

Offline avrumy22

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Re: Car Insurance Master Thread
« Reply #633 on: October 31, 2014, 12:15:14 PM »
AAA and in jersey they are very competitive (even for high risk ppl like myself)

They just quoted me 3100 per year  :o (1550 for six months)

I am currently paying $791.80.

Offline HowYaDoin

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Re: Car Insurance Master Thread
« Reply #634 on: October 31, 2014, 01:06:08 PM »
They just quoted me 3100 per year  :o (1550 for six months)

I am currently paying $791.80.
I shouldve written IME, because Geico is almost 30% more than what im paying with AAA... whatever

Offline avrumy22

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Re: Car Insurance Master Thread
« Reply #635 on: October 31, 2014, 04:59:35 PM »
I shouldve written IME, because Geico is almost 30% more than what im paying with AAA... whatever

Lol no harm done. Just a phone call.... found cheap by travelers.

Offline Thingywingy

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Re: Car Insurance Master Thread
« Reply #636 on: November 10, 2014, 10:57:45 PM »
My car was hit while parked. The car is drivable as is, despite the damage. The driver was in a rental from Just4wheels and which has rental insurance through ARI. They sent down an appraiser and already mailed me a check. Are they required to pay for my rental car while my car is being repaired?
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline 3yummyboys

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Re: Car Insurance Master Thread
« Reply #637 on: November 12, 2014, 02:29:30 PM »
Car insurance prices are based on so many factors (i.e. type of car, age of car, age of driver, prior accidents, location etc.) that it is very hard to compare prices based on what someone else pays.

Offline coralsnake

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Re: Car Insurance Master Thread
« Reply #638 on: November 12, 2014, 07:32:41 PM »
My car was hit while parked. The car is drivable as is, despite the damage. The driver was in a rental from Just4wheels and which has rental insurance through ARI. They sent down an appraiser and already mailed me a check. Are they required to pay for my rental car while my car is being repaired?
Yes
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Offline Thingywingy

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Re: Car Insurance Master Thread
« Reply #639 on: November 12, 2014, 07:53:00 PM »
Yes
They sent me a check equal to to the estimate for repairs. Didn't add amount for rental. Am I supposed to ask for that seperately?whats your source that they have to pay for rental? (Not disagreeing, just wondering).
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.