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Car Insurance on the Cheap

LavaKnightLavaKnight Registered User regular
edited April 2009 in Help / Advice Forum
Hey everyone,

My girlfriend has realized that she has been paying too much for her car insurance, and wants to shop around. Some of the quotes from the online insurance companies (Geico, Progressive) are substantially lower than what she's paying now. The only thing I'm worried about is how good the coverage is. From my brief look over a quote a while ago, it seemed a little sparse, but still a good deal below what she's paying now.

Now, for Progressive specifically, it looks like the Comprehensive and Collision Coverage aren't included by default, but for only a little extra a deductible of $500 can be added to each. Also, Medical Payments aren't included. Also, the basic "package" has 15K/person, 30K/accident, and 10K property damage for bodily injury and property damage liability, and 15K/person, 30K/accident for uninsured/underinsured motorist bodily injury.

Basically, I'm trying to make sense of everything and figure out what would be considered "good" coverage, and if that will be worth the decrease in what she's paying now. Would the "Basic" package with just the injury/uninsured liabilities be worth it, or would we want to add the comprehensive, collision, and medical payments? I assume policies and such are similar for Geico.

LavaKnight on

Posts

  • JasconiusJasconius sword criminal mad onlineRegistered User regular
    edited April 2009
    It all depends on what you want and where you live.

    Usually when people refer to "full coverage" insurance, they mean you have both collision and comprehensive.


    Personally I find the collision coverage to be handy because that also covers things such as road damage... if you are driving on a highway and rock flies through your windshield, you're covered, or if you hit a pothole and it fucks shit up.


    In terms of carriers, I have State Farm and they seem to be quite reasonable, and if she has any family members with state farm, she can add them to her policy as a driver and she *might* get a discount.

    My mother had State Farm for 25 years and even though she doesn't have them anymore, she's listed as a driver on my policy and I get a discount for it.

    Jasconius on
  • MichaelLCMichaelLC In what furnace was thy brain? ChicagoRegistered User regular
    edited April 2009
    The figures you gave, as Jasconius said, are what would be considered full coverage. Unless you've got a total beater or if you're really hurting, I wouldn't go with lower coverage.

    Price-wise for what it's worth, I have Allstate and doing the quick on-line quotes for Geico and Progressive, both were about half of my Allstate bill.

    MichaelLC on
  • LavaKnightLavaKnight Registered User regular
    edited April 2009
    MichaelLC wrote: »
    The figures you gave, as Jasconius said, are what would be considered full coverage. Unless you've got a total beater or if you're really hurting, I wouldn't go with lower coverage.

    Price-wise for what it's worth, I have Allstate and doing the quick on-line quotes for Geico and Progressive, both were about half of my Allstate bill.

    For the same coverage? Seems like it's worth it, save for the perqs. one might get by staying with a company like Allsate or State Farm for a long time (or being a family on the same plan, or something.)

    I guess those are the things to weigh, as long as the coverage is the same. Is there any reason other than the perqs. to not go through one of Progressive/Geico? Are they hard to deal with if something does happen?

    LavaKnight on
  • JasconiusJasconius sword criminal mad onlineRegistered User regular
    edited April 2009
    Well, *all* insurance companies are hard to deal with. That's pretty much their business model.

    You'll just have to go by word of mouth really. The only companies I've ever dealt with are AIG and State Farm. AIG were fucking assholes, State Farm has been alright, but I've never actually filed a claim with them.

    Jasconius on
  • RUNN1NGMANRUNN1NGMAN Registered User regular
    edited April 2009
    Those figures you have above seem REALLY low to me. Just to use the liability coverage as an example. If you were to get into an accident where you were at fault, would $15K/person, $30K total for medical and $10K total for property be enough to cover damages? At least for where I live, that wouldn't be anywhere near enough.

    I have $100K per person, $300K per accident for medical, and $100K. I want my insurance to cover the worst-case scenario. If I'm at fault and someone loses a limb or something, or if I total some guy's Porsche, I want to be covered.

    RUNN1NGMAN on
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