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sanj2010 Jul 7th 2004 3:21 pm

auto insurance
 
I have been searching for quotes for car insurance and have been quoted about $400 with the following coverage

Bodily injury 100/300,000
Property damage 50,000
PIP 250 deductible
Uninsured motorist BI 100/300000
Uninsured motorist PD 50000
Other than collision 500
Collision 500 deductible
Towing & Labour $75 disablement
Extended transportation 30 per day max 900.

Is this sufficient?

sanj2010

Manc Jul 7th 2004 3:29 pm

Re: auto insurance
 
I have been searching for quotes for car insurance and have been quoted about $400 with the following coverage

Bodily injury 100/300,000
Property damage 50,000

You liability. 100/300/50 is pretty much the norm, and well above state minimum requirements. IF you run someone over and kill them then it prolly won't be enough, but how much is at that point?

PIP 250 deductible
This is a your medical coverage, which by the looks of it the insurance company will pay your medical bills in the event of a accident. $250 is the excess you'll pay first.

Uninsured motorist BI 100/300000
Uninsured motorist PD 50000

Yes this is fine, you are insuring yourself for the same amount you are insuring everyone else.

Other than collision 500
Collision 500 deductible

standard, go lower on the deductibles if you can afford it.

Towing & Labour $75 disablement
standard

Extended transportation 30 per day max 900.
$30 per day towards a rental car should yours by in a covered accident. to a total of $900 maximum.

sanj2010 Jul 7th 2004 8:59 pm

thanks manc

I guess a "deductible" is an excess, right?!

sanj2010

cathy22w Jul 8th 2004 2:48 am

Re: auto insurance
 

Originally posted by sanj2010
I have been searching for quotes for car insurance and have been quoted about $400 with the following coverage

Bodily injury 100/300,000
Property damage 50,000
PIP 250 deductible
Uninsured motorist BI 100/300000
Uninsured motorist PD 50000
Other than collision 500
Collision 500 deductible
Towing & Labour $75 disablement
Extended transportation 30 per day max 900.

Is this sufficient?

sanj2010
$400? A year? I am paying almost that every month! Now I have the PA licence, I have been shopping around, and found the best quote to be around $1580 for a year of insurance for 2 cars/2 drivers (one American).

sanj2010 Jul 8th 2004 8:36 am

cathy22w

It's $400 for 6 months.

Dufus Jul 8th 2004 2:39 pm

Well, this seems very good to me as I am paying $2000 for 6 months for 1 car with 1 driver in Miami.

Apparently Miami is a really expensive place to have auto insurance.

Oh well....

Big Vern Jul 8th 2004 2:53 pm

I got $1350 for 6 months for the two of us with Progressive in WA, but that's with UK driving licences - I expect I'll be able to renegotiate that when I pull my finger out and get a WA driving licence....

suebo Jul 12th 2004 4:26 am

$400 that is a good quote. I am paying $1350 for 2 vehicles for 6 months with progressive.

Duncan Roberts Jul 12th 2004 11:50 am

I pay about 2011 every 12 months for 2 cars (2003 and 2004) amd 2 drivers, both with American DL. One car is in my name (2004) and the other is in my wifes (2003)
We go with State Farm, we are both under 25 too.

miss millie Jul 12th 2004 1:09 pm

My son is an American citizen we returned to the US last year and he joined the Air Force. He had UK insurance for 2 years but due to him being in basic training for over 6 months the insurance companys here would not consider it plus he is under 21. So he is paying $300 per month for 6 months for a VW Golf with Progressive who were the cheapest. After that and him then being 21 should go down.

CitySimon Jul 12th 2004 5:09 pm

Here ya go then....


I got myself a Ford Crown Vic prior to passing my driving test in June.

My wife and I both got insured on our 4.6 Liter v8 monster (used by most of the police) and at the time we both had learner permits....


Guess the car insurance cost.....






$790 all in for the year! :beer: Sorry guys. :D

Manc Jul 12th 2004 5:15 pm


Originally posted by CitySimon
Here ya go then....


I got myself a Ford Crown Vic prior to passing my driving test in June.

My wife and I both got insured on our 4.6 Liter v8 monster (used by most of the police) and at the time we both had learner permits....


Guess the car insurance cost.....






$790 all in for the year! :beer: Sorry guys. :D
3rd party or fully comp?

CitySimon Jul 12th 2004 5:28 pm


Originally posted by manc1976
3rd party or fully comp?
Hi Manc, I didn't think you'd believe me... I've just dug my policy out. OK then here go's......


Fully comp insurance with

bodily injury (per accident) of $300,000
Property Damage (per accident) of $50,000

Personal injury benefits of $50,000
Medical benefits (per accident) of $300,000

glass and deer protection
towing costs covered
all damage and any collisions covered



Oh yeah, it isn't $790 it's $756. Sorry guys!

Manc Jul 12th 2004 5:30 pm


Originally posted by CitySimon
Hi Manc, I didn't think you'd believe me... I've just dug my policy out. OK then here go's......


Fully comp insurance with

bodily injury (per accident) of $300,000
Property Damage (per accident) of $50,000

Personal injury benefits of $50,000
Medical benefits (per accident) of $300,000

glass and deer protection
towing costs covered
all damage and any collisions covered



Oh yeah, it isn't $790 it's $756. Sorry guys!
I believe you man, seems like a keeper to me.

My 2000 Nissan Altima is $510 per 6 months.
50/100/50 liability
coordinated medical.
50 deductible comp
250 broadened collision
50/100 uninsured
towing
CCP (state tax.........)

not too bad, could be a lot cheaper if it weren't for the no fault BS.

CitySimon Jul 12th 2004 5:36 pm


Originally posted by manc1976
I believe you man, seems like a keeper to me.

My 2000 Nissan Altima is $510 per 6 months.
50/100/50 liability
coordinated medical.
50 deductible comp
250 broadened collision
50/100 uninsured
towing
CCP (state tax.........)

not too bad, could be a lot cheaper if it weren't for the no fault BS.
Yeah, The thing was that in England I drove a 1993 Nissan Sunny 1.4 liter and my insurance was £1400 a year. That could have been something to do with having 13 points and a six month ban on my license though! :D :rolleyes: :confused: :o :( ;) :mad: :scared:


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