Holy ****!
05-25-2005, 10:18 AM
#11
Junior Member
Join Date: Jul 2001
Posts: 14
[quote name='rowtareh' date='May 25 2005, 06:00 AM']
I have thought about doing that. There is statefarm agents locally. Thanks for the information
NO NO - A broker not associated with a specific company, like Joes Insurance - A broker is one who would have access to all companies if you call a state farm agent well drrr there only going to sell you state farm. Open the yellow pages and look up auto insurance there will be tons of no namers that deal with all the normal companies, and generally since they deal with all the companies they are very knowlegable people who understand the coverage - thats how I learned that PIP insurance is a rip, generally required/automatically added to most policies unless you specifically ask for it not to be, but you can say no - all it is is medical so if you already have medical, well why would one pay twice. Just something a broker told me.
I have thought about doing that. There is statefarm agents locally. Thanks for the information
NO NO - A broker not associated with a specific company, like Joes Insurance - A broker is one who would have access to all companies if you call a state farm agent well drrr there only going to sell you state farm. Open the yellow pages and look up auto insurance there will be tons of no namers that deal with all the normal companies, and generally since they deal with all the companies they are very knowlegable people who understand the coverage - thats how I learned that PIP insurance is a rip, generally required/automatically added to most policies unless you specifically ask for it not to be, but you can say no - all it is is medical so if you already have medical, well why would one pay twice. Just something a broker told me.
05-25-2005, 10:20 AM
#12
Senior Member
Join Date: May 2003
Location: Orange County, NY
Posts: 635
That rocks, I hope you get an FD bro.
It does depend a lot on age, area, and the insurance company themselves. Some only like to deal with those with a great, long track record. They offer awesome coverage because they know they have less chances of needing to use it.
Other's are "High Risk", sometimes charging a lot because they take anyone (New drivers), but are stingy come time someone rear ends ya, from what I've heard.
The course did cost something (not much) but it takes points off your lisence (and a certain number of points in a certain future time bracket too) and lowers your insurance rate. It was given by my own insurance company (Allstate) but is recognized by the DMV and NYS obviously.
Weird thing is, all the course talked about was how to react to a situation (Accident). Like the adult way vs. being an idiot. Not much on like "Stay 8 cars away from the guy ahead of you in the rain" or some tip like that...
It does depend a lot on age, area, and the insurance company themselves. Some only like to deal with those with a great, long track record. They offer awesome coverage because they know they have less chances of needing to use it.
Other's are "High Risk", sometimes charging a lot because they take anyone (New drivers), but are stingy come time someone rear ends ya, from what I've heard.
The course did cost something (not much) but it takes points off your lisence (and a certain number of points in a certain future time bracket too) and lowers your insurance rate. It was given by my own insurance company (Allstate) but is recognized by the DMV and NYS obviously.
Weird thing is, all the course talked about was how to react to a situation (Accident). Like the adult way vs. being an idiot. Not much on like "Stay 8 cars away from the guy ahead of you in the rain" or some tip like that...
05-25-2005, 10:22 AM
#13
Senior Member
Join Date: May 2003
Location: Orange County, NY
Posts: 635
[quote name='Amy' date='May 25 2005, 11:18 AM']
NO NO - A broker not associated with a specific company, like Joes Insurance - A broker is one who would have access to all companies if you call a state farm agent well drrr there only going to sell you state farm. Open the yellow pages and look up auto insurance there will be tons of no namers that deal with all the normal companies, and generally since they deal with all the companies they are very knowlegable people who understand the coverage - thats how I learned that PIP insurance is a rip, generally required/automatically added to most policies unless you specifically ask for it not to be, but you can say no - all it is is medical so if you already have medical, well why would one pay twice. Just something a broker told me.
[/quote]
That is what my friend did, and what I was going to look up for you. However, Like Amy said, I think it works locally.
It's someone (some organization) that has access to all companies quotes and can give you a list of quotes once you give them your information.
NO NO - A broker not associated with a specific company, like Joes Insurance - A broker is one who would have access to all companies if you call a state farm agent well drrr there only going to sell you state farm. Open the yellow pages and look up auto insurance there will be tons of no namers that deal with all the normal companies, and generally since they deal with all the companies they are very knowlegable people who understand the coverage - thats how I learned that PIP insurance is a rip, generally required/automatically added to most policies unless you specifically ask for it not to be, but you can say no - all it is is medical so if you already have medical, well why would one pay twice. Just something a broker told me.
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[/quote]
That is what my friend did, and what I was going to look up for you. However, Like Amy said, I think it works locally.
It's someone (some organization) that has access to all companies quotes and can give you a list of quotes once you give them your information.
05-25-2005, 10:30 AM
#14
Senior Member
Thread Starter
Join Date: Jan 2004
Location: Columbia IL/St. Louis MO
Posts: 2,748
Cool. Thanks for all the info. Appreciated very much. Just gotta find time to take days off of work. 12 hour shifts are much fun!! And I have not sold a car yet. It sucks, but I KNOW I will get one this weekend. It is obvious what this weekend is.
I hope I can afford the insurance, affording the car itself is NO problem. I make alot of money off of sales. I already have very potential buyers lined up.
I want to make an order for a silver FD please. Yellow is welcome also.
I hope I can afford the insurance, affording the car itself is NO problem. I make alot of money off of sales. I already have very potential buyers lined up.
I want to make an order for a silver FD please. Yellow is welcome also.
05-25-2005, 11:14 AM
#17
Senior Member
Join Date: Jul 2001
Location: Tulsa, OK
Posts: 3,346
I think I'm paying 800 a year now with full coverage through State farm on the FD. But i'm 25, married, have house insurance through them, get a multicar discount, and have it listed as special use since I have 2 other cars. When I first moved to OK and was single and 23, my other FD would of costed me around 2300 a year. That was compared to 1200 a year in NC, so it depends what state you live in.
05-25-2005, 11:18 AM
#18
Senior Member
Join Date: May 2002
Location: Richardson Texas
Posts: 4,326
the key is to get as many people on one insurance policy as you can. its also best to have more cars on the policy than there are drivers so the car that would be the most to insure can be listed as a part time driver. you can also set it up so you are the regular driver of the slow cars and your dad can be the primary driver of the fd. there are a lot of games you can play.
to get an extra car go buy a junker (doesnt even have to run) for 100 bucks and put it in the back yard, or let it sit in a junk yard. keep insurance on it and set it up so its listed as your primary car.
to get an extra car go buy a junker (doesnt even have to run) for 100 bucks and put it in the back yard, or let it sit in a junk yard. keep insurance on it and set it up so its listed as your primary car.
05-25-2005, 11:22 AM
#19
Senior Member
Join Date: Jul 2001
Location: Tulsa, OK
Posts: 3,346
[quote name='Shane.Trammell' date='May 25 2005, 08:18 AM']the key is to get as many people on one insurance policy as you can. its also best to have more cars on the policy than there are drivers so the car that would be the most to insure can be listed as a part time driver. you can also set it up so you are the regular driver of the slow cars and your dad can be the primary driver of the fd. there are a lot of games you can play.
to get an extra car go buy a junker (doesnt even have to run) for 100 bucks and put it in the back yard, or let it sit in a junk yard. keep insurance on it and set it up so its listed as your primary car.
[/quote]
Yep, play the system.
to get an extra car go buy a junker (doesnt even have to run) for 100 bucks and put it in the back yard, or let it sit in a junk yard. keep insurance on it and set it up so its listed as your primary car.
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Yep, play the system.
