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10-27-2012, 04:41 PM
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#1
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Join Date: Feb 2005
Location: west orange nj
Posts: 2,415
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INSURANCE
Im looking for a cheap insurance company i had progressive ,i tried esurance they gave me a quote for 640 for 6 months then wanted to charge me 1,190.00 i called and canceled real quick
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10-27-2012, 04:42 PM
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#2
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Mongo the Meet Coordinator
Join Date: May 2008
Posts: 16,938
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Turn in your license and registration, its cheap then.
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Quote:
Originally Posted by KirkEvil
repo bigals turd gen and part it out to a loving home
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10-27-2012, 04:47 PM
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#3
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Join Date: Feb 2005
Location: west orange nj
Posts: 2,415
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im about to sell my cars and pick up a bus pass
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10-27-2012, 05:09 PM
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#4
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Join Date: May 2005
Location: under a roof
Posts: 2,034
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I just went through this, it all depends on your driving record. I have had Esurance for 2 years. I just got my wife into a new lease and the price went up a little, as it should with a new vehicle, so just out of curiosity I got quotes from about 6 different companies just to make sure I wasn't getting ripped off(any more than we already are!) and Esurance was still the cheapest. If you have a very clean record, I'm not sure how it works but I hear New Jersey Manufacturers Insurance is the cheapest.
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1973 Chevy Nova - best e.t.-10.04 - currently disassembled
1989 Pontiac Trans Am GTA
2016 Dodge Durango R/T
2015 Ram 3500 Dually Cummins
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10-27-2012, 05:39 PM
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#5
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11 Second Club
Join Date: Feb 2008
Location: Edison, NJ
Posts: 4,620
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Geico got a much better rate for me... had esureance
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1999 Z28 Convertible. 6 speed swap, wide cowl hood, full hockey stripes, and a whining 10 bolt.
2008 Sierra Vortec Max. 6.2 swapped, headers, Magnaflow catback, GMPP CAI, NHT optioned tow package.
2006 GTO, 11.48 @ 118.3
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10-27-2012, 05:58 PM
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#6
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Join Date: Feb 2005
Location: west orange nj
Posts: 2,415
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thanks i will check New Jersey Manufacturers Insurance and gieco
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10-27-2012, 06:32 PM
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#7
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Join Date: Jun 2011
Location: Morris county
Posts: 155
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Quote:
Originally Posted by mc73nova
If you have a very clean record, I'm not sure how it works but I hear New Jersey Manufacturers Insurance is the cheapest.
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It is the cheapest but they won't insure you unless you are a state government employee or an immediate family is insured by NJM.
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There's things about me you wouldn't understand, things you couldn't understand, things you SHOULDN'T understand
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10-27-2012, 07:47 PM
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#8
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Join Date: May 2005
Location: under a roof
Posts: 2,034
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Quote:
Originally Posted by OG
It is the cheapest but they won't insure you unless you are a state government employee or an immediate family is insured by NJM.
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I figured there had to be a catch!
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1973 Chevy Nova - best e.t.-10.04 - currently disassembled
1989 Pontiac Trans Am GTA
2016 Dodge Durango R/T
2015 Ram 3500 Dually Cummins
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10-27-2012, 07:55 PM
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#9
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Join Date: Oct 2009
Location: West Milford
Posts: 1,026
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I have njm and they are the best..plus at the end of the year we get a dividend  ...they can do this b/c they only insure folks w/good driving records thus less payouts. You need to work for a co that sponsors them or have a family member who has them. You can try New Jersey Re-Manufacturers though..they are an offshoot.....i had to go w/them before njm took me.
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10-27-2012, 08:22 PM
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#10
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Join Date: Jun 2007
Location: Arm pit of the world... NJ
Posts: 2,677
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NJM quoted me a thousand more a year than the company I am currently with. Definitely not the cheapest!
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John
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10-27-2012, 08:29 PM
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#11
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Join Date: Jun 2009
Location: NY
Posts: 215
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state farm here. my camaro and silverado are in my moms name so there dirt cheap. my hummer is in my name and i got a nice jar of vasaline in the mail with every bill they send. i wouldnt say there the cheapest but ive had worse
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2015 Lexus RX F sport - Red leather and tints lol
2016 Jetta - Turbo Bronx mobile
99 Camaro SS - M6, TT2s, TSP 1 7/8 LTs, TSP ORY, Corsa Catback, Tick Master, SLP Lid, Koni Yellows, BMR lower springs, Tons of UMI stuff
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10-27-2012, 08:32 PM
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#12
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Join Date: Jun 2011
Location: Morris county
Posts: 155
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Quote:
Originally Posted by Featherburner
NJM quoted me a thousand more a year than the company I am currently with. Definitely not the cheapest!
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You got the general?
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There's things about me you wouldn't understand, things you couldn't understand, things you SHOULDN'T understand
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10-27-2012, 08:44 PM
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#13
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Join Date: Jun 2007
Location: Arm pit of the world... NJ
Posts: 2,677
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Quote:
Originally Posted by OG
You got the general?
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I've had Geico for the last 10 years.
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John
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10-27-2012, 08:55 PM
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#14
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Join Date: Mar 2007
Location: metuchen
Posts: 234
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21st century cheapest for me
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10-27-2012, 08:57 PM
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#15
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Join Date: Apr 2009
Location: Andover, NJ
Posts: 777
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Just thought I'd chime in, I have my daily driver and the GTA (the 84 isn't insured at the moment...for obvious reasons) and with those two cars on Allstate its 110 a month. Record is clean and has been since I got my permit at 16 and I'm 26 now. If that seems cheap, its because its the base liability only insurance. My Subaru isn't worth enough to have collision and the GTA well...I'm betting they'll say the same.
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10-27-2012, 09:40 PM
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#16
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Join Date: Jun 2011
Location: Morris county
Posts: 155
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Quote:
Originally Posted by Featherburner
I've had Geico for the last 10 years.
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Wow, Im surprised geico was that much lower than NJM. I got NJM and have gotten quotes from other companies that were always more expensive. Never got a quote from geico tho
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There's things about me you wouldn't understand, things you couldn't understand, things you SHOULDN'T understand
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10-27-2012, 10:20 PM
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#17
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Join Date: Apr 2012
Location: nutley
Posts: 410
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geico plays games i heard but my record is far from clean and i paid 2233 a year for my z
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10-28-2012, 06:14 AM
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#18
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Join Date: Nov 2005
Location: Edison
Posts: 7,856
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Progressive was the cheapest for me. I have no points and took the defensive drivers course online. It was a boring course but well worth the money I saved.
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1984 Firebird
2000 Z28
2023 Tacoma
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10-28-2012, 07:54 AM
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#19
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Join Date: Oct 2009
Location: West Milford
Posts: 1,026
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Also always have to compare the same coverage vs costs w/these companies. One may be cheaper but deductible could be way higher or liability differs.
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10-28-2012, 10:45 AM
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#20
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Admin.
Join Date: Aug 2005
Location: Hamilton, NJ
Posts: 20,165
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Quote:
Originally Posted by 1320B4U
Also always have to compare the same coverage vs costs w/these companies. One may be cheaper but deductible could be way higher or liability differs.
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^^^matters. if one company is quoting you based on 15000/30000 state minimum vs another company stating you on say 100,000/300,000 limits of liability, that is apples to oranges.
liability = you hit someone. not damage to your car, etc.
15000 = $15,000 per incident limit. incident = accident, wether you hit one car or 5
30000 = $30,000 policy aggregate. meanign for the term of your policy - effective date to expirati0on date - your payout is capped at $30,000.
$15,000 does not cover wiping out my cruze ltz let alone a nice car. IMO 15/30 you re 'under insured"
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Vent Windows Forever!
The looser the waistband, the deeper the quicksand. Or so I have read.
Feather-light suspension, Konis just couldn't hold. I'm so glad I took a look inside your showroom doors.
Hey everybody, it's good to have you on the Baba-too-da-ba-too-ba-ba-buh-doo-ga-ga-bop-a-dop
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11-01-2012, 11:09 PM
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#21
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Join Date: Feb 2006
Location: Hamilton, NJ
Posts: 470
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We've had Geico for 7 years, cheapeast rates out of every insurance company, even NJM.....all quotes were for same coverage 100,000/300,000 and a $500 deductible
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Christine
2013 Hyundai Sonata SE
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11-02-2012, 06:43 AM
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#22
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Join Date: Sep 2008
Location: Hackettstown, NJ
Posts: 1,668
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Another thing to keep in mind is that your credit rating affects your insurance price. It's ******** that they're allowed to do it, but it does.
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1998 Z-28 - SLP lid - Ported TB - LS6 Intake - Dynatech SS headers/Catted Y - Magnaflow Exh - 3.42 - Yank SS3600 - UMI weld-in subframe connectors, Adj LCA, Adj PHB, Q1A TA - Bolt-in Relocation Brackets - Strano springs - Koni shocks - 17" C6Z06 wheels - 326HP/335ft-lbs - 12.35 @ 110.41
Quote:
Originally Posted by Blackbirdws6
I can appreciate a dream but this person needed some real friends.
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11-02-2012, 06:52 AM
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#23
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Admin.
Join Date: Aug 2005
Location: Hamilton, NJ
Posts: 20,165
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^^not at all companies. but yeah I can see where your ability to pay should matter because of state mandated cancellation time lines. I don't know NJ car laws, but as example they might require 30 day notice of cancellation. that's 30 free days of coverage. Then you get into the concept of moral hazard.
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Vent Windows Forever!
The looser the waistband, the deeper the quicksand. Or so I have read.
Feather-light suspension, Konis just couldn't hold. I'm so glad I took a look inside your showroom doors.
Hey everybody, it's good to have you on the Baba-too-da-ba-too-ba-ba-buh-doo-ga-ga-bop-a-dop
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11-02-2012, 07:53 AM
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#24
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Join Date: Sep 2008
Location: Hackettstown, NJ
Posts: 1,668
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I understand that, but if you're paying the policy in full up front, your credit rating shouldn't matter. Not all look at your credit rating, but I'd say at least 80% do. I'm currently with State Farm for auto and home.
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1998 Z-28 - SLP lid - Ported TB - LS6 Intake - Dynatech SS headers/Catted Y - Magnaflow Exh - 3.42 - Yank SS3600 - UMI weld-in subframe connectors, Adj LCA, Adj PHB, Q1A TA - Bolt-in Relocation Brackets - Strano springs - Koni shocks - 17" C6Z06 wheels - 326HP/335ft-lbs - 12.35 @ 110.41
Quote:
Originally Posted by Blackbirdws6
I can appreciate a dream but this person needed some real friends.
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11-02-2012, 08:05 AM
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#25
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Admin.
Join Date: Aug 2005
Location: Hamilton, NJ
Posts: 20,165
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agreed. in general I think loans, insurance, etc., have lost any ability for individual review. it's all very mechanical now.
__________________
Vent Windows Forever!
The looser the waistband, the deeper the quicksand. Or so I have read.
Feather-light suspension, Konis just couldn't hold. I'm so glad I took a look inside your showroom doors.
Hey everybody, it's good to have you on the Baba-too-da-ba-too-ba-ba-buh-doo-ga-ga-bop-a-dop
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