Car Insurance
Jan 26, 2024 11:32:12 #
dougbev3
Loc: Pueblo, Colorado
When I worked for the railroad - they had vans that drove us around. After several of the drivers backed up into crew members they came out with the rule that the drivers could not back up anymore. That stopped those accidents. So when I can - at a store parking lot, I will pull through the space so that I just have to pull out. No more looking over each shoulder and hoping you see enough. By just pulling out I can see enough and be careful. Good Luck .
Jan 26, 2024 11:41:00 #
Works well if the drive through area between the parking slots are wide enough and the vehicle isn’t too long. Where I live there are a lot of 4 door pickups & big SUV’s making it hatder to pull out forward and make the turn.
Jan 26, 2024 12:42:44 #
colinc1 wrote:
I unfortunately last year, I backed into a car tha... (show quote)
We use CSAA for our car insurance. Total price for both cars is $1,920 yearly. I drive a 2002 Lexus LS430 and my wife drives a 2011 Lexus ES350. We have collision coverage with a $1,000 deductible and comprehensive coverage. No accidents or tickets.
In California I think CSAA is one of the best deals around. If you don’t already use them check them out.
Just wanted to add that I’m 78 and my wife is 76.
Jan 26, 2024 12:51:56 #
13 wrote:
That's happening to home and building insurances.
Assuming you can get insurance in high risk areas...
bwa
Jan 26, 2024 13:19:12 #
SteveFranz
Loc: Durham, NC
At 83 years old you are getting to the point where insurance companies may start questioning your driving. It would probably be a good plan to stay with a company where you have a lengthy history. If you start shopping around, the company may say 'here today, gone tomorrow.'
Jan 26, 2024 13:44:26 #
I was exiting the freeway and a pickup truck decided to use the 4 foot median on my right and sideswiped my M5. The damage was over $13,000. I got the license plate and a picture of the driver because I forced them onto a side street. The CHP had the information, but didn't catch the person. Stolen Truck, Stolen plates. Since I had USAA, no increase in auto rates.
Jan 26, 2024 14:16:51 #
Longlens24
Loc: Cedar Park, Texas
Auto insurance premiums vary widely, especially in California. I recently moved from California to Texas, changed insurance companies, have lower premium. I learned recently that higher losses ( fires, burglaries, etc.) and inability to increase insurance premiums enough have resuled in some large insurance companies not renewing homeowner insurance policies, and not issuing new policies when the homeowner moves elsewhere in California. I suggest you find a new insurfance broker who can find you a more reasonable policy premium.
Jan 26, 2024 16:10:27 #
So, everyone who has insurance is in a group. The experience of the group determines the rate. If the group has a lot of claims (above the estimate) your insurance will go up. If you have a claim (auto accident) your insurance may go up or you may get a sur-charge for a specific period of time, normally in years. If you have an accident, and the group you are in has an increased number of claims, you could get both an overall increase in your policy and a sur-charge for your latest claim. Insurance is a professional gamble, and it is a win win for them, not you.
Jan 26, 2024 18:34:15 #
The only problem is you must get an estimate from the body shop that the insurance company recommends and they deal with the insurance company that has contacted them. My car was a 2023 Genisis GV60 and cost a lot to repair. I need to contact the body shop to see if they will provide the amount charged to the insurance company. And yes, I am looking around. I have applied to USAA as I am a veteran. Will have to see if I get accepted. Would rather not name the insurance company until I get new insurance. Worry that if I do they might find out and cancel me.
Jan 26, 2024 19:05:48 #
colinc1 wrote:
I unfortunately last year, I backed into a car tha... (show quote)
They are looking at possible future claims. Any time you back into someone in a parking lot, You are automatically to blame (I know from experience). Also they are also looking at your age.
Jan 27, 2024 06:20:04 #
Jan 27, 2024 07:00:20 #
Jan 27, 2024 07:28:50 #
John N wrote:
I HAVEN'T had an accident and mine has gone up 58%!
Lot of times because you're a loyal customers. You have to switch back and forth. Insurance companies don't give incentive for being loyal to them but rather reward those who jump ship often.
Jan 27, 2024 07:37:18 #
BebuLamar wrote:
Lot of times because you're a loyal customers. You have to switch back and forth. Insurance companies don't give incentive for being loyal to them but rather reward those who jump ship often.
Wise to that and checking now. We have a rating for insurance companies here (don't know if it, or similar, exist in the U.S.) and I always look for Defacto 5 star level. I'm prepared to pay a LITTLE more for ease of settlement should I need to make a claim. Last time was for a rear window glass (little thugs having some 'fun') and I wanted manufacturers glass instead of pattern. I had to pay for it myself, (including a slight increase to the excess) but the money was reimbursed weeks before I had to pay the CC.
Jan 27, 2024 08:39:52 #
Retina
Loc: Near Charleston,SC
Bayou wrote:
Increasingly, I feel like I don't want to own anything that I can't afford to self insure. Yes, we need liability coverage and health insurance, but the cost of insuring "stuff" is completely out of control. I prefer used cars that I can afford to replace. (no collision, uninsured motorist, or comp insurance).
If we're afraid to make a claim, why carry the coverage?
If we're afraid to make a claim, why carry the coverage?
Fines for driving without proof of auto insurance in SC is worse than not having a license or registration. I insure to avoid this if ever stopped at a check point. Despite paying USAA for over $200K with only with one at-fault claim in 40 years almost 10 years ago, I pay 1400/yr per car even without collision. The cars are old but run well such that if one is wrecked by another driver I would be awarded a fraction of what it would take to replace it. If I could self-insure I would, but state law does not permit it. Also, without comp you get nothing from insurance if your car is stolen. I switched briefly to GEICO, saved considerably, but after two months each car's rate went to 1K/6mo with no explanation other than "a normal rate increase". They must have hoped I wouldn't notice.
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