[airics]

Originally Posted by gvc8

I always thought "full coverage" meant 100/300 on liability. another thing that affects rate a lot is your deductible , especially on collision coverage.

full coverage means if you hit someone you're covered, if they hit you you're covered.. if they hit and run, you're covered.. i've always felt the amounts were like playing cards, how much risk are you willing to take.. if you have nothing, no house, no money, etc.. then having huge numbers 100/300etc. wouldn't mean much, because if you get sued for half mil, you're going to file bankruptcy anyway.

[DavieJ89]

i had DM'ed you about car insurance a few weeks ago. i went to allstate's website and went to their ballpark figures page. Thats where they give you an estimate, simply based on your age, type of car you drive, whether its leased or financed, and then it gives you estimates for various levels of coverage

Naturally since I wanted to look at the figures again Allstate is doing preventative maintenance on the pages so Ican't show you what it pulled up for me

But if I remember correctly, and you know my 2003 Nissan Altima is financed, the most affordable coverage they had listed was $1200 for 6 months, which is about what I'm paying right now here in Florida

[jjameson922]

Funny you should mention a Nissan Altima as that is exactly what I have. Previously I wrote that I had checked State Farm and Geico and they could not begin to match what I currently pay. I have a 2009 SE and pay $550 per year with Auto Owners now in Ohio and once in Las Vegas, they are represented there and it will not be that much more. Also here we get sucked into paying for uninsured motorist, leading one to think if they are hit by an uninsured motorist, their car and medical expenses are covered. Wrong. It happened to us and uninsured does not cover car damages, only medical damages which are really, as LVD said, paid by your own ins. co according to your medical limits.

[airics]

Originally Posted by DavieJ89

i had DM'ed you about car insurance a few weeks ago. i went to allstate's website and went to their ballpark figures page. Thats where they give you an estimate, simply based on your age, type of car you drive, whether its leased or financed, and then it gives you estimates for various levels of coverage
Naturally since I wanted to look at the figures again Allstate is doing preventative maintenance on the pages so Ican't show you what it pulled up for me
But if I remember correctly, and you know my 2003 Nissan Altima is financed, the most affordable coverage they had listed was $1200 for 6 months, which is about what I'm paying right now here in Florida

if i read this correctly, you did not enter your ss # for your estimate correct? try it with the ss number, i bet its not anywhere near the estimate.... State farm is FAMOUS for this.. i think its bait and switch...

[KD Hawaii]

Originally Posted by MadManofBethesda

I asked this once before, but maybe it was missed among all the posts here. Since there are multiple options for liability coverage from the mandatory minimum of $15k/$30k/$10k, up to $100k/$300/$50k and higher, what exactly do you and others mean by full coverage?

Bodily Injury $50K each person and $100K each occurrence
Property Damage $100,000 each ocurrence
Auto Collision Insurance actual cash value; $500 deductible
Auto Comprehension Insurance actual cash value; $100 Deductible
Uninsured Mortists $25k/$50K (do not take the minimum!!! otherwise you will not be able to collect it if happens)
Get Triple A's for towing/rental car if your car breaks down. It costs $80 a year. (do not pay tow/rental car thru insurance, they're ripping you off)

[steel7]

Originally Posted by las vegas drunk

$248 for only the lowest state required liability on a 1991 Ford Escort.

Thats a good price. I pay $300.00 yr in san bernardino county for min liability required by law. I hope it dont increase though this summer.

[las vegas drunk]

Originally Posted by eagle7

Thats a good price. I pay $300.00 yr in san bernardino county for min liability required by law. I hope it dont increase though this summer.

No, that is what I pay for only six months, and this is with absolutely no coverage other than the 15/30/10 liability limits. They are ripping me off. My driving record is perfect with no tickets OR accidents. I have no idea how the people in this thread are getting such great rates. I have checked around everywhere and Progressive (who I have) is by far the lowest.

[DavieJ89]

Originally Posted by airics

if i read this correctly, you did not enter your ss # for your estimate correct? try it with the ss number, i bet its not anywhere near the estimate.... State farm is FAMOUS for this.. i think its bait and switch...

i did not enter my SS. simply my age it was not state farm it was allstate

i cannot do an exact quote on auto insurance because i do not have an LV address i can use.

[DavieJ89]

Originally Posted by jjameson922

Funny you should mention a Nissan Altima as that is exactly what I have. Previously I wrote that I had checked State Farm and Geico and they could not begin to match what I currently pay. I have a 2009 SE and pay $550 per year with Auto Owners now in Ohio and once in Las Vegas, they are represented there and it will not be that much more. Also here we get sucked into paying for uninsured motorist, leading one to think if they are hit by an uninsured motorist, their car and medical expenses are covered. Wrong. It happened to us and uninsured does not cover car damages, only medical damages which are really, as LVD said, paid by your own ins. co according to your medical limits.

I assume you are much older then me and your car is paid off if it is that cheap

$550 a year is incredibly low for an 09 Altima 3.5 SE v6 engine. I looked up auto owners and on the map they have it shows they do NOT provide car insurance in Nevada

$550 is 2 months worth of insurance for me Being 20 sucks. And my car is 2003 Altima 2.5 S not even a V6, if i had bought that V6 I originally wanted (was a 2002, with 125,000 miles) insurance would be well over $300 a month regardless of whether I live in Orlando or Las Vegas

[jjameson922]

Yes, I paid cash for my car but it is not a V6. AutoOwners also referred me to an agency in Las Vegas called McNeely, if I'm not mistaken so I could continue their coverage. Some states do not take into consideration excellent credit. I'll have to check on Nevada. Here that reduces my insurance considerably. I also checked Progressive and they could not compete with Auto Owners full coverage.