What insurance company do you use?
12-24-2008 | 05:46 PM
#16
I use AAA up here in NorCal and I've been with them for over 5 years now.
I am 25 and only have one car (08 G37S) insured with them. Clean driving record.
My quote was $1600/year back when I was 24 so I am expecting at least $100 to $200 drop this year
since I turned 25.
I have full coverage: $500 collision deductible and $50 comprehensive deductible. The coverage limit is somewhere in the middle of what they offer (can't remember w/o my papers).
I would suggest going into the local office and talk to an insurance agent personally rather than getting a quote over the phone/online etc since you seem to get the best deal that way.
I am 25 and only have one car (08 G37S) insured with them. Clean driving record.
My quote was $1600/year back when I was 24 so I am expecting at least $100 to $200 drop this year
since I turned 25.I have full coverage: $500 collision deductible and $50 comprehensive deductible. The coverage limit is somewhere in the middle of what they offer (can't remember w/o my papers).
I would suggest going into the local office and talk to an insurance agent personally rather than getting a quote over the phone/online etc since you seem to get the best deal that way.
Last edited by G37_6MT; 12-24-2008 at 05:56 PM.
12-24-2008 | 05:59 PM
#17
geez im with esurance, well switching back anyways.. $2540 for 6mos.
geico wants me to pay $5144 for 6mos ..crazy so back to esurance.. cant get no cheaper with my phucked record!
long island NY btw.
geico wants me to pay $5144 for 6mos ..crazy so back to esurance.. cant get no cheaper with my phucked record!
long island NY btw.
12-24-2008 | 06:42 PM
#19
Senior Citizen
Joined: Jun 2008
Posts: 1,984
Likes: 87
From: Los Angeles
Not to knock your policy, USAA is great, and its actually administered by The Hartford I believe. But check what your discount is vs. what a lojack costs, usually it's not fiscally beneficial to have a lo jack installed. Seeing claims, if my car were stolen, I pretty much wouldn't want them to find it, chances are it's going to be damaged, stripped or trashed. I'd want a new or undamaged car rather than them finding my stolen car.
USAA like most other carriers has a coverage portion called Additional Living Expense or Loss of Rent (for landlords). This is generally accessable without having to pay your deductible and is in place for evacuations or in the event your house was lost, it pays for you to take up residence else where while they repair the house.
USAA like most other carriers has a coverage portion called Additional Living Expense or Loss of Rent (for landlords). This is generally accessable without having to pay your deductible and is in place for evacuations or in the event your house was lost, it pays for you to take up residence else where while they repair the house.
As for LoJack, it cost me a one-time $850. USAA gives me an annual discount for having it around $420 each year. That means it pays for itself in about two years. I also have the added early warning feature which alerts LoJack as soon as the car is moved without an extra quarter-size device being in the car that I keep attached to my Infiniti smart-key fob. This means that if anyone attempted to steal the car the cops could be on the scene in minutes. There would be no time to damage, strip or trash the car in any way. Besides, considering the personal items that I may have in the car and the hassle of replacing it, I, for one, would want it back.
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