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Questions About Auto Insurance & Accidents

4421 messages,  Last post on Dec 04, 2009 at 1:26 PM

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#3946 of 4421 Re: relative insurance rates? [kominsky] by mikefm58 Jun 09, 2008 (9:43 am)
Replying to: kominsky (Jun 09, 2008 8:18 am) Not sure if there is some database of cars, but if you go to progressive.com and do an estimate, you can then easily change the vehicle and see the corrsponding rate adjustment.
#3947 of 4421 Re: relative insurance rates? [kominsky] by tidester HOST Jun 09, 2008 (9:58 am)
Replying to: kominsky (Jun 09, 2008 8:18 am) While you're waiting for more replies here you may want to have a look at Auto advice: car buying, auto leasing, car insurance at Edmunds.   tidester, host SUVs and Smart Shopper
#3948 of 4421 Re: relative insurance rates? [kominsky] by michaell Jun 09, 2008 (11:48 am)
Replying to: kominsky (Jun 09, 2008 8:18 am) When I went through this exercise with my step-kids a few years ago, my insurance agent basically said that a 4-door sedan is the least expensive body type to insure.   You might want to chat with your agent to see if they agree.   And, I know I've said this more than once on these boards, but I strongly believe that the kid new driver should pay their own insurance, plus have an amount in the bank equal to the deductible on the policy. Replies to this message: kominsky (Jun 09, 2008 2:45 pm) euphonium (Jun 10, 2008 9:52 am) michaell (Jun 10, 2008 11:36 am)
#3949 of 4421 Re: relative insurance rates? [michaell] by kominsky Jun 09, 2008 (2:45 pm)
Replying to: michaell (Jun 09, 2008 11:48 am) "And, I know I've said this more than once on these boards, but I strongly believe that the kid new driver should pay their own insurance, plus have an amount in the bank equal to the deductible on the policy"   That's all covered.. I must be doing something right since she keeps telling me "it's not fair!". Replies to this message: euphonium (Jun 10, 2008 9:52 am) michaell (Jun 10, 2008 11:36 am)
#3950 of 4421 Re: relative insurance rates? [kominsky] by euphonium Jun 10, 2008 (9:52 am)
Replying to: kominsky (Jun 09, 2008 2:45 pm) she keeps telling me "it's not fair!".   The only time I heard that was when I took back her car keys for a week & when she started to rant some more, I said you just lost the privilege for two weeks. Want to try for a month?
#3951 of 4421 Re: relative insurance rates? [kominsky] by michaell Jun 10, 2008 (11:36 am)
Replying to: kominsky (Jun 09, 2008 2:45 pm) I never had to rescind driving privileges from either of the step kids, but the step-son had to cover the deductible a couple of times for some 'oopsies'.   The agreement was that the savings covered the deductible, then they couldn't resume driving until that amount was replentished in the savings account.
#3952 of 4421 Re: Insurance rip off?!?! Help My explorer [funkypetals] by satire Jun 10, 2008 (11:43 am)
Replying to: funkypetals (Jun 07, 2008 4:35 pm) Hi Jennifer:   Am going thru the same thing (scroll back a few messages) wherein the other person's insurance company won't offer a reasonable/fair settlement. I've chosen small claims court as the method of resolution. Let the judge decide. Court date is July 11th.   I'm suing the lady who hit me, not her insurance carrier. Cost $75 to file the claim. $30 for the sheriff to serve the summons. Took all of 10 minutes to get it done.   Best of luck.
#3953 of 4421 Re: relative insurance rates? [kominsky] by satire Jun 10, 2008 (11:47 am)
Replying to: kominsky (Jun 09, 2008 8:18 am) There are such databases but they are proprietary information owned by the insurance companies. Thus you're just going to have to do you own foot work. But get an insurance broker involved. Let them do the hard work. Replies to this message: kominsky (Jun 11, 2008 6:44 am)
#3954 of 4421 Re: relative insurance rates? [satire] by kominsky Jun 11, 2008 (6:44 am)
Replying to: satire (Jun 10, 2008 11:47 am) Thanks to all! I found something that, while not exactly what I wanted, is close enough for my current needs. If anyone's interested...   http://moneycentral.msn.com/marketplace/home.aspx?iMarketID=8   At the top, there's a pull-down with auto brands.   I'm not exactly sure how they choose the cars on the list.. Chevy Cavalier (no longer made) is there, but Nissan 200SX (also no longer made) isn't. But again, it's a start.
#3955 of 4421 Re: relative insurance rates? [kominsky] by phisher Jun 12, 2008 (1:17 pm)
Replying to: kominsky (Jun 09, 2008 8:18 am) If you don't need Comp and Coll. on the auto all cars should be about the same to insure. The only real differences for my Company is if they have an airbag or not. It's when you get into full coverage that the rates really change based on the car.

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