Auto Insurance

Run Silent · 06-25-2019, 09:37 AM

Quote:

Originally Posted by ///M4ster Yoda

It's where you live. You would be paying double that where I live in NY.

Even double my numbers is less than many have posted here.

///M4ster Yoda · 06-25-2019, 09:44 AM

Quote:

Originally Posted by Run Silent

Quote:

Originally Posted by ///M4ster Yoda

It's where you live. You would be paying double that where I live in NY.

Even double my numbers is less than many have posted here.

Yup. I just wanted to point out location plays a big factor.

I'm die hard USAA. They are the best. We have two new BMWs (X3 and M4 ) and our rates are under $200 a month in NY. It's hard to find better in this place. Hell median property taxes here are $15000 a year.

Knock on wood my speeding "problem" has been kept under wraps the last few years. Thank god for cop friends.

Run Silent · 06-25-2019, 10:32 AM

Quote:

Originally Posted by ///M4ster Yoda

Yup. I just wanted to point out location plays a big factor.

I'm die hard USAA. They are the best. We have two new BMWs (X3 and M4 ) and our rates are under $200 a month in NY. It's hard to find better in this place. Hell median property taxes here are $15000 a year.

Knock on wood my speeding "problem" has been kept under wraps the last few years. Thank god for cop friends.

My property taxes last year were about a grand. You need to move. I also have no state income tax. Or car inspections of any kind. And lifetime concealed carry permits.

ScottyRyan2019 · 06-25-2019, 10:48 AM

Quote:

Originally Posted by BayMoWe335

Use a broker that shops it for you annually.

This.

ScottyRyan2019 · 06-25-2019, 10:56 AM

Quote:

Originally Posted by Run Silent

Dear Lord - either I am the safest driver on the planet (I'm not) or some of y'all are doing it wrong. My current rates through Travelers Insurance:

$685 for the BMW, $512 for the MINI, and $1,325 for the Ferrari.

Oh - And this is FOR THE WHOLE YEAR, not every six months!

Some of you are paying more for a BMW every six months. That can't be right.

Specifics:

250 DED COMP
500 DED COLL / 1,000 DED COLL - FERRARI
50 DED GLASS
100,000 PIP/LIAB/UNINS MTR

What are you coverage limits besides the 100K for PIP/LIAB/UNINSURED?

Alfisti · 06-25-2019, 11:00 AM

$15k year for property tax?/ Fuck this system over here, honestly sick to shit of it, so many hidden costs. better off back home in OZ which sounds insane but the insurance and property taxes here are fucking insane.

Run Silent · 06-25-2019, 11:05 AM

Quote:

Originally Posted by ScottyRyan2019

What are you coverage limits besides the 100K for PIP/LIAB/UNINSURED?

Bodily Injury Liability
$50,000 per person
$100,000 per incident

Property Damage Liability
$100,000 per incident

Medical Payments
$10,000 per person

Uninsured Motorists Bodily Injury
$50,000 per person
$100,000 per incident

Uninsured Motorists Property Damage
$100,000 per incident

Collision
Actual Cash Value
less $500 deductible

Comprehensive
Actual Cash Value
less $250 deductible

Glass Deductible
$50 deductible

Roadside Assistance
up to 100 miles per disablement
Trip Interruption
Personal Property
$500 per incident

Alfisti · 06-25-2019, 11:07 AM

That's some low coverage.

Run Silent · 06-25-2019, 11:10 AM

Quote:

Originally Posted by Alfisti

That's some low coverage.

Why would I need more? I have an umbrella policy that covers any excess and I don't really need insurance otherwise, as I am financially stable enough to self insure. I also live in a state that caps tort litigation, so I can't be sued for damages much over those limits.

Non-economic damage caps in my state are $750K. My umbrella policy is many times more than that.

Alfisti · 06-25-2019, 11:12 AM

if you have separate health coverage then that's fine but i've never seen anything less than $1m bodily harm coverage.

Run Silent · 06-25-2019, 11:17 AM

Quote:

Originally Posted by Alfisti

if you have separate health coverage then that's fine but i've never seen anything less than $1m bodily harm coverage.

You live in Canada. Things are different there. In addition, bodily harm coverage isn't even required in my location - as such, the vast majority of drivers here don't even have it.

I have personal health insurance to cover me and family members. From a personal liability concern, my umbrella coverage will cover liability for bodily injury up to $3 million dollars. This includes injury on my property or by one of my motor vehicles.

My umbrella policy is $390 per year.

///M4ster Yoda · 06-25-2019, 03:12 PM

Quote:

Originally Posted by Run Silent

Quote:

Originally Posted by ///M4ster Yoda

Yup. I just wanted to point out location plays a big factor.

I'm die hard USAA. They are the best. We have two new BMWs (X3 and M4 ) and our rates are under $200 a month in NY. It's hard to find better in this place. Hell median property taxes here are $15000 a year.

Knock on wood my speeding "problem" has been kept under wraps the last few years. Thank god for cop friends.

My property taxes last year were about a grand. You need to move. I also have no state income tax. Or car inspections of any kind. And lifetime concealed carry permits.

I hate you

Kidding. I'm not under any delusions that this place is a ridiculously expensive D shithole. Family and work keep us here. If it wasn't for that my wife, baby and I would be somewhere we could ski/snowboard 100 days a year.

Edit: it took me a year just to get a "sportsman's" pistol permit here. Complete bullshit

Run Silent · 06-25-2019, 03:35 PM

Quote:

Originally Posted by ///M4ster Yoda

I hate you

Kidding. I'm not under any delusions that this place is a ridiculously expensive D shithole. Family and work keep us here. If it wasn't for that my wife, baby and I would be somewhere we could ski/snowboard 100 days a year.

Edit: it took me a year just to get a "sportsman's" pistol permit here. Complete bullshit

LOL. My lifetime concealed carry permit was $100 and I submitted it via mail. The finger prints were done at my local UPS Store.

I put in 33 days on the snowboard this year, which are about 45mins from my house. Couple of photos at the slopes and also some views from my town. Come on down, we are a welcoming sort.

Alfisti · 06-25-2019, 03:46 PM

Americans fucking kill me, base where they live on ease to acquire guns. Y'all are nuts yo.

///M4ster Yoda · 06-25-2019, 03:58 PM

Quote:

Originally Posted by Alfisti

Americans fucking kill me, base where they live on ease to acquire guns. Y'all are nuts yo.

Don't worry. We will protect you when the shit hits the fan. God knows you can't protect yourself.

///M4ster Yoda · 06-25-2019, 03:59 PM

Quote:

Originally Posted by Run Silent

Quote:

Originally Posted by ///M4ster Yoda

I hate you

Kidding. I'm not under any delusions that this place is a ridiculously expensive D shithole. Family and work keep us here. If it wasn't for that my wife, baby and I would be somewhere we could ski/snowboard 100 days a year.

Edit: it took me a year just to get a "sportsman's" pistol permit here. Complete bullshit

LOL. My lifetime concealed carry permit was $100 and I submitted it via mail. The finger prints were done at my local UPS Store.

I put in 33 days on the snowboard this year, which are about 45mins from my house. Couple of photos at the slopes and also some views from my town. Come on down, we are a welcoming sort.

Sweet. Is that Snowshoe mountain?

Run Silent · 06-25-2019, 04:07 PM

Quote:

Originally Posted by ///M4ster Yoda

Sweet. Is that Snowshoe mountain?

That was Sugar Mountain. I'm about 4hrs from Snowshoe. 45min from Sugar, 30min from Beech, 45min from Wolf, 1hr from Cat and 1hr from App.

cyclingismylife · 06-25-2019, 04:08 PM

State Farm for me, full coverage with $500 ded on my M240i is $78/mo with other cars and homeowners on my policy too.

spazzyfry123 · 06-25-2019, 04:55 PM

Quote:

Originally Posted by Run Silent

My property taxes last year were about a grand. You need to move. I also have no state income tax. Or car inspections of any kind. And lifetime concealed carry permits.

Must be Tennessee! That’s probably next on our list after a few years here in Florida. Just drove through eastern Tennessee / western North Carolina last week. Beautiful area to boot.

Run Silent · 06-25-2019, 05:00 PM

Quote:

Originally Posted by spazzyfry123

Must be Tennessee! That’s probably next on our list after a few years here in Florida. Just drove through eastern Tennessee / western North Carolina last week. Beautiful area to boot.

Yep. I live in East TN, up in the mountains right next to the NC border. I immigrated to TN from FL by way of HI, so yeah....lol.

ScottyRyan2019 · 06-25-2019, 10:35 PM

Quote:

Originally Posted by Run Silent

Bodily Injury Liability
$50,000 per person
$100,000 per incident

Property Damage Liability
$100,000 per incident

Medical Payments
$10,000 per person

Uninsured Motorists Bodily Injury
$50,000 per person
$100,000 per incident

Uninsured Motorists Property Damage
$100,000 per incident

Collision
Actual Cash Value
less $500 deductible

Comprehensive
Actual Cash Value
less $250 deductible

Glass Deductible
$50 deductible

Roadside Assistance
up to 100 miles per disablement
Trip Interruption
Personal Property
$500 per incident

Well that 'splains it. I cannot have that low of coverage and still have an umbrella through my current insurance. I have to carry $500K of coverage. But, my broker is currently shopping other coverage.

GenXer · 06-26-2019, 06:56 PM

I have decent luck with Geico. Between 4 vehicles with full coverage per bank's requirement, I pay roughly $3K/year. This includes 7yr/100K miles extended warranties on my vehicles as well.

I had a 1999 Buick Century with a blown engine at 90K miles in 2004 and Geico, replaced the engine for me for $250.

They're also good if you have to be stationed overseas. They will provide you instant coverage with just a phone call.

06-25-2019, 11:00 AM	#50
Alfisti Brigadier General 6959 Rep 3,284 Posts Drives: 2008 Saab 9-3 Combi Join Date: Nov 2014 Location: Toronto, Canada iTrader: (0)	$15k year for property tax?/ Fuck this system over here, honestly sick to shit of it, so many hidden costs. better off back home in OZ which sounds insane but the insurance and property taxes here are fucking insane.
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06-25-2019, 11:07 AM	#52
Alfisti Brigadier General 6959 Rep 3,284 Posts Drives: 2008 Saab 9-3 Combi Join Date: Nov 2014 Location: Toronto, Canada iTrader: (0)	That's some low coverage.
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06-25-2019, 11:12 AM	#54
Alfisti Brigadier General 6959 Rep 3,284 Posts Drives: 2008 Saab 9-3 Combi Join Date: Nov 2014 Location: Toronto, Canada iTrader: (0)	if you have separate health coverage then that's fine but i've never seen anything less than $1m bodily harm coverage.
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06-25-2019, 03:46 PM	#58
Alfisti Brigadier General 6959 Rep 3,284 Posts Drives: 2008 Saab 9-3 Combi Join Date: Nov 2014 Location: Toronto, Canada iTrader: (0)	Americans fucking kill me, base where they live on ease to acquire guns. Y'all are nuts yo.
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06-25-2019, 04:08 PM	#62
cyclingismylife Enlisted Member 14 Rep 46 Posts Drives: BMW M240i Join Date: Jun 2019 Location: Georgia iTrader: (0)	State Farm for me, full coverage with $500 ded on my M240i is $78/mo with other cars and homeowners on my policy too.
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06-26-2019, 06:56 PM	#66
GenXer Major 1396 Rep 1,031 Posts Drives: Like a bat out of hell. Join Date: Apr 2019 Location: here and there iTrader: (0) Garage List 2017 Chevrolet Volt [0.00] 2020 Chevrolet Tahoe [0.00]	I have decent luck with Geico. Between 4 vehicles with full coverage per bank's requirement, I pay roughly $3K/year. This includes 7yr/100K miles extended warranties on my vehicles as well. I had a 1999 Buick Century with a blown engine at 90K miles in 2004 and Geico, replaced the engine for me for $250. They're also good if you have to be stationed overseas. They will provide you instant coverage with just a phone call.
	Appreciate 0 Quote