OT: Auto Insurance

[mike92104]

I’ll second FLU’s comment. I got sued by someone who hit me (it WAS my fault) even thought she wasn’t wearing a seat belt and refused medical attention at the scene. Allstate took care of it all without bothering me one bit, and they didn’t just fold and give her the money. They fought her the whole way according to my agent.

[Raybyrnes]

First thing to figure out is what coverage you need. If you have a good job and some assets you should probably carry the follow limits as a minimum

100/300/50 BI/PD
100/300 UM
500 Com
500 Collision
Towing
Rental

This is what is referred to as a split limit policy. By this I mean the insurer can settle the BI (Bodily Injury) and the settle the PD(property damage) as separate events.

A different kind of policy is referred to as a combined single limit. This type of Policy is offered through Amica. Rather tan having 100/300/50 a combined single limit policy would simply offer 350 K total and it would not matter whether it was a person hurt or property damaged. They will notpay out on this type of policy until all bills are in.

The next thing to figure out is what the car is worth. If it is an older car under 5K of value you may be well of to drop the Comp and collision.

If you have some cash and could handle a 1000 dollar loss I would go ahead and increase the deductibles for e comp ad collision.

If you are only looking for Auto Insurance and have a god driving record Wawanesa or Amica are good bets.

If you are a doctor, lawyer, teacher with a Msater level educaiton or PHD the Geico starts to becoem competitive aswell.

If you have other insurance needs such as renters, home, motor vehicles etc then it some time pays to take advantage of multiline discounts.

If you are a trust fund baby I might suggest increasing your coverage to 250/500/100 and would suggest looking for a million dollar umbrella policy.

Finding a trustworthy insurance agent is probably about the same difficulty level as finding a good realtor.

Hope this is helpful

[Raybyrnes]

First thing to figure out is what coverage you need. If you have a good job and some assets you should probably carry the follow limits as a minimum

100/300/50 BI/PD
100/300 UM
500 Com
500 Collision
Towing
Rental

This is what is referred to as a split limit policy. By this I mean the insurer can settle the BI (Bodily Injury) and the settle the PD(property damage) as separate events.

A different kind of policy is referred to as a combined single limit. This type of Policy is offered through Amica. Rather tan having 100/300/50 a combined single limit policy would simply offer 350 K total and it would not matter whether it was a person hurt or property damaged. They will notpay out on this type of policy until all bills are in.

The next thing to figure out is what the car is worth. If it is an older car under 5K of value you may be well of to drop the Comp and collision.

If you have some cash and could handle a 1000 dollar loss I would go ahead and increase the deductibles for e comp ad collision.

If you are only looking for Auto Insurance and have a god driving record Wawanesa or Amica are good bets.

If you are a doctor, lawyer, teacher with a Msater level educaiton or PHD the Geico starts to becoem competitive aswell.

If you have other insurance needs such as renters, home, motor vehicles etc then it some time pays to take advantage of multiline discounts.

If you are a trust fund baby I might suggest increasing your coverage to 250/500/100 and would suggest looking for a million dollar umbrella policy.

Finding a trustworthy insurance agent is probably about the same difficulty level as finding a good realtor.

Hope this is helpful

[Raybyrnes]

First thing to figure out is what coverage you need. If you have a good job and some assets you should probably carry the follow limits as a minimum

100/300/50 BI/PD
100/300 UM
500 Com
500 Collision
Towing
Rental

This is what is referred to as a split limit policy. By this I mean the insurer can settle the BI (Bodily Injury) and the settle the PD(property damage) as separate events.

A different kind of policy is referred to as a combined single limit. This type of Policy is offered through Amica. Rather tan having 100/300/50 a combined single limit policy would simply offer 350 K total and it would not matter whether it was a person hurt or property damaged. They will notpay out on this type of policy until all bills are in.

The next thing to figure out is what the car is worth. If it is an older car under 5K of value you may be well of to drop the Comp and collision.

If you have some cash and could handle a 1000 dollar loss I would go ahead and increase the deductibles for e comp ad collision.

If you are only looking for Auto Insurance and have a god driving record Wawanesa or Amica are good bets.

If you are a doctor, lawyer, teacher with a Msater level educaiton or PHD the Geico starts to becoem competitive aswell.

If you have other insurance needs such as renters, home, motor vehicles etc then it some time pays to take advantage of multiline discounts.

If you are a trust fund baby I might suggest increasing your coverage to 250/500/100 and would suggest looking for a million dollar umbrella policy.

Finding a trustworthy insurance agent is probably about the same difficulty level as finding a good realtor.

Hope this is helpful

[Raybyrnes]

First thing to figure out is what coverage you need. If you have a good job and some assets you should probably carry the follow limits as a minimum

100/300/50 BI/PD
100/300 UM
500 Com
500 Collision
Towing
Rental

This is what is referred to as a split limit policy. By this I mean the insurer can settle the BI (Bodily Injury) and the settle the PD(property damage) as separate events.

A different kind of policy is referred to as a combined single limit. This type of Policy is offered through Amica. Rather tan having 100/300/50 a combined single limit policy would simply offer 350 K total and it would not matter whether it was a person hurt or property damaged. They will notpay out on this type of policy until all bills are in.

The next thing to figure out is what the car is worth. If it is an older car under 5K of value you may be well of to drop the Comp and collision.

If you have some cash and could handle a 1000 dollar loss I would go ahead and increase the deductibles for e comp ad collision.

If you are only looking for Auto Insurance and have a god driving record Wawanesa or Amica are good bets.

If you are a doctor, lawyer, teacher with a Msater level educaiton or PHD the Geico starts to becoem competitive aswell.

If you have other insurance needs such as renters, home, motor vehicles etc then it some time pays to take advantage of multiline discounts.

If you are a trust fund baby I might suggest increasing your coverage to 250/500/100 and would suggest looking for a million dollar umbrella policy.

Finding a trustworthy insurance agent is probably about the same difficulty level as finding a good realtor.

Hope this is helpful

[Raybyrnes]

First thing to figure out is what coverage you need. If you have a good job and some assets you should probably carry the follow limits as a minimum

100/300/50 BI/PD
100/300 UM
500 Com
500 Collision
Towing
Rental

This is what is referred to as a split limit policy. By this I mean the insurer can settle the BI (Bodily Injury) and the settle the PD(property damage) as separate events.

A different kind of policy is referred to as a combined single limit. This type of Policy is offered through Amica. Rather tan having 100/300/50 a combined single limit policy would simply offer 350 K total and it would not matter whether it was a person hurt or property damaged. They will notpay out on this type of policy until all bills are in.

The next thing to figure out is what the car is worth. If it is an older car under 5K of value you may be well of to drop the Comp and collision.

If you have some cash and could handle a 1000 dollar loss I would go ahead and increase the deductibles for e comp ad collision.

If you are only looking for Auto Insurance and have a god driving record Wawanesa or Amica are good bets.

If you are a doctor, lawyer, teacher with a Msater level educaiton or PHD the Geico starts to becoem competitive aswell.

If you have other insurance needs such as renters, home, motor vehicles etc then it some time pays to take advantage of multiline discounts.

If you are a trust fund baby I might suggest increasing your coverage to 250/500/100 and would suggest looking for a million dollar umbrella policy.

Finding a trustworthy insurance agent is probably about the same difficulty level as finding a good realtor.

Hope this is helpful

[LAAFTERHOURS]

I have had USAA for my entire life and would never drop them. Insurance for the Armed Forces and their families.

I have everything with them – Life, Renters (Im one of the ones on the sidelines at the moment), two cars and investments.

Not only is their customer service exceptional, their rates are super low. Their online self service is excellent as well (Im in IT and love that I never need to call them to make a change).

My bro left them a while back – not sure why.

[LAAFTERHOURS]

I have had USAA for my entire life and would never drop them. Insurance for the Armed Forces and their families.

I have everything with them – Life, Renters (Im one of the ones on the sidelines at the moment), two cars and investments.

Not only is their customer service exceptional, their rates are super low. Their online self service is excellent as well (Im in IT and love that I never need to call them to make a change).

My bro left them a while back – not sure why.

[LAAFTERHOURS]

I have had USAA for my entire life and would never drop them. Insurance for the Armed Forces and their families.

I have everything with them – Life, Renters (Im one of the ones on the sidelines at the moment), two cars and investments.

Not only is their customer service exceptional, their rates are super low. Their online self service is excellent as well (Im in IT and love that I never need to call them to make a change).

My bro left them a while back – not sure why.

[LAAFTERHOURS]

I have had USAA for my entire life and would never drop them. Insurance for the Armed Forces and their families.

I have everything with them – Life, Renters (Im one of the ones on the sidelines at the moment), two cars and investments.

Not only is their customer service exceptional, their rates are super low. Their online self service is excellent as well (Im in IT and love that I never need to call them to make a change).

My bro left them a while back – not sure why.

[LAAFTERHOURS]

I have had USAA for my entire life and would never drop them. Insurance for the Armed Forces and their families.

I have everything with them – Life, Renters (Im one of the ones on the sidelines at the moment), two cars and investments.

Not only is their customer service exceptional, their rates are super low. Their online self service is excellent as well (Im in IT and love that I never need to call them to make a change).

My bro left them a while back – not sure why.

[David J]

[quote=LAAFTERHOURS]I have had USAA for my entire life and would never drop them. Insurance for the Armed Forces and their families.

I have everything with them – Life, Renters (Im one of the ones on the sidelines at the moment), two cars and investments.

Not only is their customer service exceptional, their rates are super low. Their online self service is excellent as well (Im in IT and love that I never need to call them to make a change).

My bro left them a while back – not sure why. [/quote]

I use USAA for almost everything as well and have had nothing but good experiences.

[David J]

[quote=LAAFTERHOURS]I have had USAA for my entire life and would never drop them. Insurance for the Armed Forces and their families.

I have everything with them – Life, Renters (Im one of the ones on the sidelines at the moment), two cars and investments.

Not only is their customer service exceptional, their rates are super low. Their online self service is excellent as well (Im in IT and love that I never need to call them to make a change).

My bro left them a while back – not sure why. [/quote]

I use USAA for almost everything as well and have had nothing but good experiences.

[David J]

[quote=LAAFTERHOURS]I have had USAA for my entire life and would never drop them. Insurance for the Armed Forces and their families.

I have everything with them – Life, Renters (Im one of the ones on the sidelines at the moment), two cars and investments.

Not only is their customer service exceptional, their rates are super low. Their online self service is excellent as well (Im in IT and love that I never need to call them to make a change).

My bro left them a while back – not sure why. [/quote]

I use USAA for almost everything as well and have had nothing but good experiences.

[David J]

[quote=LAAFTERHOURS]I have had USAA for my entire life and would never drop them. Insurance for the Armed Forces and their families.

I have everything with them – Life, Renters (Im one of the ones on the sidelines at the moment), two cars and investments.

Not only is their customer service exceptional, their rates are super low. Their online self service is excellent as well (Im in IT and love that I never need to call them to make a change).

My bro left them a while back – not sure why. [/quote]

I use USAA for almost everything as well and have had nothing but good experiences.

[Author]

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