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Old 10-27-2012, 04:41 PM   #1
chrisfrom nj
 
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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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Old 10-27-2012, 04:42 PM   #2
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Turn in your license and registration, its cheap then.
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Old 10-27-2012, 04:47 PM   #3
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im about to sell my cars and pick up a bus pass
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Old 10-27-2012, 05:09 PM   #4
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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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Old 10-27-2012, 05:39 PM   #5
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Geico got a much better rate for me... had esureance
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Old 10-27-2012, 05:58 PM   #6
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thanks i will check New Jersey Manufacturers Insurance and gieco
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Old 10-27-2012, 06:32 PM   #7
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Originally Posted by mc73nova View Post
If you have a very clean record, I'm not sure how it works but I hear New Jersey Manufacturers Insurance is the cheapest.
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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Old 10-27-2012, 07:47 PM   #8
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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.
I figured there had to be a catch!
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Old 10-27-2012, 07:55 PM   #9
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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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Old 10-27-2012, 08:22 PM   #10
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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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Old 10-27-2012, 08:29 PM   #11
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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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Old 10-27-2012, 08:32 PM   #12
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Originally Posted by Featherburner View Post
NJM quoted me a thousand more a year than the company I am currently with. Definitely not the cheapest!
You got the general?
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Old 10-27-2012, 08:44 PM   #13
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You got the general?
I've had Geico for the last 10 years.
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Old 10-27-2012, 08:55 PM   #14
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21st century cheapest for me
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Old 10-27-2012, 08:57 PM   #15
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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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Old 10-27-2012, 09:40 PM   #16
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Originally Posted by Featherburner View Post
I've had Geico for the last 10 years.
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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Old 10-27-2012, 10:20 PM   #17
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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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Old 10-28-2012, 06:14 AM   #18
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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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Old 10-28-2012, 07:54 AM   #19
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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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Old 10-28-2012, 10:45 AM   #20
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Quote:
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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.
^^^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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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.

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Old 11-01-2012, 11:09 PM   #21
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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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Old 11-02-2012, 06:43 AM   #22
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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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Old 11-02-2012, 06:52 AM   #23
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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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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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Old 11-02-2012, 07:53 AM   #24
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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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Old 11-02-2012, 08:05 AM   #25
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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.
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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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