auto insurance
Jul 7th 2004, 3:21 pm
#1
Forum Regular
Thread Starter
Joined: Apr 2004
Posts: 51
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
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
Jul 7th 2004, 3:29 pm
#2
@matthewb76
Joined: Jul 2003
Location: Missouri
Posts: 21,886
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.
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.
Jul 7th 2004, 8:59 pm
#3
Forum Regular
Thread Starter
Joined: Apr 2004
Posts: 51
thanks manc
I guess a "deductible" is an excess, right?!
sanj2010
I guess a "deductible" is an excess, right?!
sanj2010
Jul 8th 2004, 2:48 am
#4
BE Enthusiast
Joined: Apr 2003
Posts: 367
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
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
Jul 8th 2004, 8:36 am
#5
Forum Regular
Thread Starter
Joined: Apr 2004
Posts: 51
cathy22w
It's $400 for 6 months.
It's $400 for 6 months.
Jul 8th 2004, 2:39 pm
#6
Yorkshire/London/Miami
Joined: Jul 2003
Location: Miami, Florida
Posts: 86
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....
Apparently Miami is a really expensive place to have auto insurance.
Oh well....
Jul 8th 2004, 2:53 pm
#7
Forum Regular
Joined: Jan 2004
Location: Dahn Sarf
Posts: 287
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....
Jul 12th 2004, 4:26 am
#8
BE Enthusiast
Joined: Sep 2002
Location: Tampa, FL
Posts: 916
$400 that is a good quote. I am paying $1350 for 2 vehicles for 6 months with progressive.
Jul 12th 2004, 11:50 am
#9
Lost in BE Cyberspace
Joined: Oct 2003
Location: Avon Lake, OH
Posts: 5,270
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.
We go with State Farm, we are both under 25 too.
Jul 12th 2004, 1:09 pm
#10
Just Joined
Joined: Jul 2004
Posts: 2
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.
Jul 12th 2004, 5:09 pm
#11
BE Forum Addict
Joined: Nov 2003
Location: Palmyra, NY
Posts: 2,130
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!
Sorry guys. 
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!
Sorry guys.
Jul 12th 2004, 5:15 pm
#12
@matthewb76
Joined: Jul 2003
Location: Missouri
Posts: 21,886
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! Sorry guys.
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!
Sorry guys.
Jul 12th 2004, 5:28 pm
#13
BE Forum Addict
Joined: Nov 2003
Location: Palmyra, NY
Posts: 2,130
Originally posted by manc1976
3rd party or fully comp?
3rd party or fully comp?
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!
Jul 12th 2004, 5:30 pm
#14
@matthewb76
Joined: Jul 2003
Location: Missouri
Posts: 21,886
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!
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!
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.
Jul 12th 2004, 5:36 pm
#15
BE Forum Addict
Joined: Nov 2003
Location: Palmyra, NY
Posts: 2,130
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.
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.
:scared:
