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Smart Shopper What do you pay for insurance?
212 messages, Last post on Feb 09, 2009 at 12:11 AM
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Hi, I have been trying to get answers to the following questions all over the internet and thought why not post this here on carspace.com and figured if someone could help me out with them. Please help. 1) I just got into a car accident, and I asked the other driver if he wanted to keep it out of the insurance company and I would repair his car, could that be held against me? (note: this was not said in front of the police. Also, I was not breathalyzed or blood tested or taking to the precinct, or given a summons or anything like that. I am still waiting for the police report since this happened on thanksgiving) 2) This is my second accident this year. First was in January and the second one as I said was just yesterday, could my insurance company drop me from the insurance because of these two accidents? I have been with them for almost 10 years and these were my first 2 accidents in 7 years, my last accident (before these) was in 1999. Please advise, if my company (GEICO) can drop me. I live in NY, am single and am 30 years old. Any information you provide will be very helpful. Thanks. Sardarji. 
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I currently go thru a local independent insurance agent for my car/house insurance. I pay around 1000.00 a year for auto coverage(auto-owners). I went online and did some comparisons and using the same coverage limits, progressive direct came in at 528.00 per year if I buy online!! Seems like a no-brainer, but I would like to hear pro's & cons before I switch.
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Replying to: rogerm4 (Nov 27, 2006 1:04 pm)
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Replying to: mikefm58 (Nov 27, 2006 5:51 pm) No they're not...I don't have progressive, but my 23 year old son does... and it was just 2 weeks ago that he got t-boned in an intersection totally destroying his 2001 Gmc Regular Cab Stepside. I bought him the truck when he graduated from High School in 01.. He had the wreck sunday, and by wednesday he had received a check from progressive for almost 12 thousand dollars.. I was pretty impressed, 12 grand for a 5 1/2 y.o. truck that cost 20K brand new... not a bad settlement in my opinion... not to mention he got the check within 72 hours of the accident. Of course he's under 25 so his premiums are not the cheapest... around 180 a month....but he does carry full coverage with 100/300,000 liability coverages. Roland |
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2006 mini cooper 2005 vw passat wagon 4 motion (lease) 32 years old, married, clean record, reside in CA $129/months through USAA. Geico was actually less expensive by $20/mo. Obviously full coverage because of lease. Any feedback appreciated. |
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for USAA, I would keep it, even if it is more expensive...their financial stability ranks up there with State Farm, and they are quite reasonable to work with... Financial stability does NOT mean AM Best, as they are bought and paid for by the insurance companies...I mean Standard & Poors, Fitch (f/k/a Duff and Phelps), Moody's and the strictest of them all, Weiss... If an insurance agent EVER brags on their company rating by quoting AM Best, run for the hills...Weiss is the best, and S&P and Moodys are tied for 2nd place... |
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I thought I was paying to much for insurance until I started shopping around a couple days ago I have 2007 Ford F150 2006 Ford 500 2008 Ford Focus Full coverage on all with clean driving records, and a 16 year old on the policy. Through Hannover I currently pay $2600 a year which I thought was through the roof until I shopped it a couple days ago State Farm was $1000 a year higher Nationwide was $1100 a year higher Country Wide sent me an offer and they were $800 a year higher. I don't know if it is worth it to keep shopping or not. Thoughts???
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Replying to: joel0622 (Apr 11, 2008 7:53 am) That will be hard to beat, I think.. I'd have to look it up, but we pay around $1300 for two cars... Still have two years before we get a new driver... Not looking forward to that.. |
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We're in about the same boat. We have: 2008 Saturn VUE 2006 Saturn ION 2003 Saturn L300 The ION is driven by our 19 year old daughter. Full coverage on the 3, through State Farm, comes to about $2900 for the year. Good thing the daughter pays her share of the bill - $1200 annually.
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Replying to: michaell (Apr 11, 2008 8:18 am) |
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