- #4095 of 4422
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Re: How Much SHould I pay-?Cheapest insurance company [ashwinkumar96]
by dtownfb
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Nov 07, 2008 (9:44 am)
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Replying to: ashwinkumar96 (Nov 07, 2008 8:52 am)
Try Progressive. They compare rates against their competitors. Also ask a few friends who their insurance company is.
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- #4096 of 4422
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Re: How Much SHould I pay-?Cheapest insurance company [euphonium]
by ashwinkumar96
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Nov 07, 2008 (10:28 am)
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Replying to: euphonium (Nov 07, 2008 9:40 am)
I came to USA for my masters in 2006 and thats the reason I got my license recently. I am single and I just graduated from college, witha masters degree.
Any tipe?
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- #4097 of 4422
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Re: How Much SHould I pay-?Cheapest insurance company [ashwinkumar96]
by kirstie_h HOST
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Nov 07, 2008 (10:46 am)
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Replying to: ashwinkumar96 (Nov 07, 2008 10:28 am)
Hi - there are so many variables, including how far you drive every day, how safe your neighborhood is, your credit rating - just a ton of questions.
You will get a LOT faster and more accurate quote by going to Progressive.com (or Geico.com) and entering your info than by asking us to guess. You can also call an agent, which is generally a good idea. They may also be able to suggest vehicles that would offer you lower, as opposed to higher, rates.
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- #4098 of 4422
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Re: How Much SHould I pay-?Cheapest insurance company [kirstie_h]
by ashwinkumar96
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Nov 07, 2008 (10:52 am)
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Replying to: kirstie_h (Nov 07, 2008 10:46 am)
Hi Thanks for all your replies. I guess they require our SSn to do our credit check. Is it a soft check, and a soft hit, or will it affect my credit score. I want to know this as my bank is yet to do a credit check to process my application for the auto loan,
Thanks
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- #4099 of 4422
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Re: How Much SHould I pay-?Cheapest insurance company [ashwinkumar96]
by dtownfb
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Nov 08, 2008 (4:46 pm)
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Replying to: ashwinkumar96 (Nov 07, 2008 10:52 am)
Yes your credit report (not the credit score necessarily) will affect your insurance.
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- #4100 of 4422
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Re: How Much SHould I pay-?Cheapest insurance company [dtownfb]
by euphonium
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Nov 10, 2008 (10:46 am)
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Replying to: dtownfb (Nov 08, 2008 4:46 pm)
It is usual for American insurance companies to rate immigrants much higher than citizens because in the case of a catastrophic crash, the foreigner usually bails to his home county to avoid owning up for his negligence and it is difficult and expensive for his insurance company to ferret him out, transport him back here, and make him available for testimony & other court proceedings.
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- #4101 of 4422
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Re: How Much SHould I pay-?Cheapest insurance company [euphonium]
by skylab
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Nov 14, 2008 (5:44 am)
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Replying to: euphonium (Nov 10, 2008 10:46 am)
Works both ways. A foreigner of my acquaintance was seriously injured in an accident caused by the open-and-shut negligence of an employee of a large corporation driving a corporate-owned vehicle. When she filed suit, the first thing that company's attorneys did was dig into her immigration status to see if they could deport their way out of the problem. 
Anyway, back on topic...
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- #4102 of 4422
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Re: Hit and Run $1,100+ damages [bwia] Update
by bwia
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Nov 15, 2008 (6:47 am)
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Replying to: bwia (Oct 23, 2008 11:25 am)
"....No eye witness means bad news as the insurance company will not pay the deductible and the $1,100 damage estimate is not sufficient to bring the car back to its original condition. The 2008 Malibu has only 7,900 miles and it was in showroom condition as I had just washed and waxed it.
Any tips for dealing with the insurance?"
Well, I must say I am happy with the outcome. I don't know how they did it but the repair shop convinced the insurance company to pay the extra $2,400 to bring the car back to showroom condition.
The open secret in the repair biz is something they call the supplement. Under that scenario they always find collateral damage not identified in the original estimate. And for some reason the adjuster does not even bat an eye, which leads me to believe perhaps they are working in cohoots with the adjuster getting a kickback from the repair shop. End result, that shady practice drives up the insurance premiums for everybody.
Nonetheless, I am very happy and amazed at how well they can match the paint. That is some amazing technology because you can't tell whether the area was repainted.
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- #4103 of 4422
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Re: what now? [petharia]
by petharia
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Nov 15, 2008 (11:53 pm)
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Replying to: petharia (Nov 03, 2008 9:43 pm)
The point & question is simple. Infinity totaled my saturn, state farm's playing games, i only have 30 days in a rental with 1 week left & my adjuster (on conference call w/ me) told off SF adjuster & hung up. Now what ever subragation is (or how ever you spell it) that's what infinity's going to do & he said something about i'd have to pay my 500$ deductible upfront. I don't get it. what's this mean? Smart's don't help me here, & there are no stupid questions, just uniformed people who never needed to know. I drove safely.
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- #4104 of 4422
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Re: what now? [petharia]
by petharia
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Nov 15, 2008 (11:56 pm)
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Replying to: petharia (Nov 15, 2008 11:53 pm)
so tell me why I have to pay my deductible when someone else destroyed my car, and why i'll be walking in another week if they don't give me any money for a month. what options do i have in either keeping the rental without out of pocket, and they took responsibility so why am I paying?
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