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Thread: Truck and Car Insurance

  1. #1
    Join Date
    Mar 2007
    Location
    Escondido, CA
    Posts
    5,176

    Truck and Car Insurance

    Mine is due in two weeks. Haven't shopped it in 10 years. Maybe its time. Any suggestions? 10 year old car, and 12 year old truck. Motorcycle and MH are different companies for specialized coverage. Thinking about dropping the comprehensive because of the age of the vehicles.
    ++++++

    Some say the land of milk and honey; others say the land of fruits and nuts. All together my sort of heaven.

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    Carol Reed

  2. #2
    Join Date
    Mar 2008
    Location
    new york city burbs
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    10,188
    shopping around every few years is essential when it comes to insurance,
    Human Test Dummy

  3. #3
    Join Date
    Dec 2012
    Location
    Bedford, NH
    Posts
    1,683
    What's your driving history like?
    Would an umbrella liability insurance that covers everything serve you better than individual liability policies?
    Thoughts entering one's mind need not exit one's mouth!
    As I age my memory fades .... and that's a load off my mind!

    "We Live In The Land Of The Free, Only Because Of The Brave"
    “The problems we face today are there because the people who work for a living are outnumbered by those who vote for a living."
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    Socialism is a philosophy of failure, the creed of ignorance, and the gospel of envy, its inherent virtue is the equal sharing of misery." Winston Churchill

  4. #4
    Join Date
    Mar 2007
    Location
    Escondido, CA
    Posts
    5,176
    My driving history is ticket free for well over ten years, and no accidents. Can't remember the last ticket or the last accident. Only claims have been for windshields. The state has insurance requirements on vehicles so I don't if an umbrella policy would work. Wonder if there are any independent agents around.
    ++++++

    Some say the land of milk and honey; others say the land of fruits and nuts. All together my sort of heaven.

    Power is not taken. It is given. Who have you given yours to? Hmmmm?

    Carol Reed

  5. #5
    Join Date
    Jul 2011
    Location
    The Gorge Area, Oregon
    Posts
    4,702
    We have an umbrella policy, but it has a minimum liability requirement we have to carry on the house and cars to qualify for it (which basically == the maximum liability) so it doesn't save us anything there. Its only ~$80/year per $1M of extra liability though so its a "cheap" add on. Having been in a couple of wrecks (not our fault either one but illustrated just how expensive this stuff can get) we carry the extra insurance so that its cheaper/more lucrative for someone to sue our insurance carrier than it is for them to sue us if something does happen. There may be some other setups where the coverage is different but in OR and WA at least that's how most of the umbrella policies are setup.

    The best carrier deal seems to vary a lot by state so any not-in-California advice is probably mostly useless in the base cost regard.

    There are some nice online resources for looking for agents and carriers in California.
    http://www.insurance.ca.gov/0100-con...find-an-agent/
    http://www.insurance.ca.gov/0100-con...uto-insurance/
    http://www.insurance.ca.gov/0100-con...pare-premiums/

    One thing we learned the hard way is that sometimes the cheapest isn't the cheapest when you need them. We had a wreck in 2004 where another fellow hit us pretty bad. There were three insurance carriers involved, mine, lomls and the other guys. My insurance company (Mutual of Enumclaw) was entirely fantastic to deal with, the other guy had USAA through his dad and they were also fantastic to deal with. Lomls insurance company (I think it was farmers but I wouldn't swear to that - I personally won't use either farmers or state farm ever based on previous experiences) was a giant hassle and basically just said no to everything until we fought it (which was especially annoying because in the end they were getting all the money from the other guys insurance but because of subrogation blah blah some of the medical for loml had to go through them). After that we consolidated all our policies to Mutual of Enumclaw.

  6. #6
    Join Date
    Aug 2008
    Location
    Reno, Nv
    Posts
    3,632
    We always had great experience with Liberty Mutual...just us, not speaking for anyone or any other experiences for anyone else...just ours
    Your Respiratory Therapist wears Combat boots

  7. #7
    Join Date
    Jul 2009
    Location
    Amherst, New Hampshire
    Posts
    10,606
    Geico saved my over $500 a year over my last insurer. Customer service is top notch.
    Faith, Hope & Charity

  8. #8
    Join Date
    May 2007
    Location
    Kansas City, Missouri
    Posts
    13,467
    I finally left State Farm after about 20 years. Went with Allied, which is owned by Nationwide. Saved about $600 a year and got more coverage. Haven't needed to make a claim yet, haven't in about 10 years, so no experience with their CS to pass along.
    Darren

    To a small child, the perfect granddad is unafraid of big dogs and fierce storms but absolutely terrified of the word “boo.” – Robert Brault

  9. #9
    Join Date
    Apr 2007
    Location
    No, not all of SoCal is Los Angeles!
    Posts
    9,077
    I agree that you (or your agent) should shop at least once a year. It can be a pain but, I have been with an agency for 25 years or so but, I have been insured with probably 30-odd companies. You want an agent that calls you out of the blue and says "hey, I just found you near identical coverage and it will save you $100 a year". That's how they kept my business. It was just recently sold as the founder/owner too a well deserved retirement. So far the new guys are fine but, I've been spoiled with "Lee Valley" level service so they better measure up
    Any sufficiently advanced technology is indistinguishable from magic.
    - Arthur C. Clarke

  10. #10
    Join Date
    Mar 2008
    Location
    new york city burbs
    Posts
    10,188
    another suggestion to save money, take a defensive driving course.(My son teaches them in NY), you cant cut off up to 10% off your insurance bill.
    course runs 60 bucks, saves us 300 a year. certificate good for 3 years.
    Human Test Dummy

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