Who Do You Use For Insurance?

Brothers of brub and brap, this is your safe space.
User avatar
Johnny_P
Chief Master Sirloin of the Wasteful Steak
Chief Master Sirloin of the Wasteful Steak
Posts: 40484
Joined: Thu Nov 03, 2016 9:52 am
Drives: Blue short bus
Location: Philly

D Griff wrote: Mon Apr 13, 2020 7:48 am
Johnny_P wrote: Sun Apr 12, 2020 2:23 pm

You could drop collision on the Mazda to save some cash. If it’s truly only worth $5k...
:dat:

My wife was excited when we did that and she saved some money. The Fusion has 150K miles on it and is sub $5K I'm sure... so there's really no point, I can't imagine she'll get in a wreck more serious than in a parking lot ever anyway. Although, she does have a bad :pinshit: :instagram: :millennial: while driving habit, but fortunately her mileage is low at this point.
Yeah I did that when my Focus dropped below something like $4k and saved a bunch of cash. I also didn’t give a damn about the car and knew if it was in a wreck it was likely to be totaled anyway. Minus a $1k deductible and I wasn’t gonna get shit for it regardless so buh bye collision coverage.
User avatar
troyguitar
Command Chief Master Sirloin
Command Chief Master Sirloin
Posts: 20088
Joined: Wed Nov 02, 2016 11:15 pm
Drives: Trek Domane
Location: Swamp

Johnny_P wrote:
troyguitar wrote: Thu Apr 09, 2020 10:54 am Doesn't that cost more to replace than an 86 and a 120k mile mazda3 combined?
You could drop collision on the Mazda to save some cash. If it’s truly only worth $5k...
It's not paid off yet. Mazdas depreciate like rocks.
User avatar
max225
Chief Master Sirloin of the Wasteful Steak
Chief Master Sirloin of the Wasteful Steak
Posts: 42429
Joined: Thu Nov 03, 2016 12:49 am
Drives: Taco+ Bavarian lemon

troyguitar wrote: Mon Apr 13, 2020 12:19 pm
Johnny_P wrote:
You could drop collision on the Mazda to save some cash. If it’s truly only worth $5k...
It's not paid off yet. Mazdas depreciate like rocks.
You owe more than 5k?
User avatar
troyguitar
Command Chief Master Sirloin
Command Chief Master Sirloin
Posts: 20088
Joined: Wed Nov 02, 2016 11:15 pm
Drives: Trek Domane
Location: Swamp

max225 wrote:
troyguitar wrote: Mon Apr 13, 2020 12:19 pm It's not paid off yet. Mazdas depreciate like rocks.
You owe more than 5k?
No but you can't drop collision until the loan is paid off. At this point I think we owe maybe $1500?
User avatar
max225
Chief Master Sirloin of the Wasteful Steak
Chief Master Sirloin of the Wasteful Steak
Posts: 42429
Joined: Thu Nov 03, 2016 12:49 am
Drives: Taco+ Bavarian lemon

troyguitar wrote: Mon Apr 13, 2020 12:56 pm
max225 wrote:
You owe more than 5k?
No but you can't drop collision until the loan is paid off. At this point I think we owe maybe $1500?
Maybe pay it off to lower ins ?
User avatar
troyguitar
Command Chief Master Sirloin
Command Chief Master Sirloin
Posts: 20088
Joined: Wed Nov 02, 2016 11:15 pm
Drives: Trek Domane
Location: Swamp

max225 wrote: Mon Apr 13, 2020 1:02 pm
troyguitar wrote: Mon Apr 13, 2020 12:56 pm No but you can't drop collision until the loan is paid off. At this point I think we owe maybe $1500?
Maybe pay it off to lower ins ?
Might be worth it, especially since we're not driving anyway for the foreseeable future. Making 2 payments and paying for full coverage while shit sits in the driveway is :fullretard:
User avatar
max225
Chief Master Sirloin of the Wasteful Steak
Chief Master Sirloin of the Wasteful Steak
Posts: 42429
Joined: Thu Nov 03, 2016 12:49 am
Drives: Taco+ Bavarian lemon

troyguitar wrote: Mon Apr 13, 2020 1:20 pm
max225 wrote: Mon Apr 13, 2020 1:02 pm

Maybe pay it off to lower ins ?
Might be worth it, especially since we're not driving anyway for the foreseeable future. Making 2 payments and paying for full coverage while shit sits in the driveway is :fullretard:
Blame the banks and don’t pay. This is the way
User avatar
troyguitar
Command Chief Master Sirloin
Command Chief Master Sirloin
Posts: 20088
Joined: Wed Nov 02, 2016 11:15 pm
Drives: Trek Domane
Location: Swamp

Haha maybe on the Toyota. It would be pretty dumb to have the mazda repo'd with only a few payments left. I owe like $27k on the 86. :doomed:
User avatar
D Griff
Trollistrator
Trollistrator
Posts: 28784
Joined: Thu Nov 03, 2016 8:49 am
Drives: Bicycles/Two Feet

troyguitar wrote: Mon Apr 13, 2020 1:20 pm
max225 wrote: Mon Apr 13, 2020 1:02 pm

Maybe pay it off to lower ins ?
Might be worth it, especially since we're not driving anyway for the foreseeable future. Making 2 payments and paying for full coverage while shit sits in the driveway is :fullretard:
:dat:

Only one payment but similar feels over here. Three cars sitting outside rotting and $700/month in insurance/payment going out the door with nowhere to go. :sad:
User avatar
Desertbreh
Chief Master Sirloin
Chief Master Sirloin
Posts: 16800
Joined: Thu Nov 03, 2016 11:31 am
Location: Beyond Thunderdome

USAA is giving us 20% off for the next two months.
Detroit wrote:Buy 911s instead of diamonds.
Johnny_P wrote: Thu Feb 09, 2023 3:21 pm Earn it and burn it, Val.
max225 wrote: Mon May 01, 2023 5:35 pm Yes it's a cool car. But prepare the lube/sawdust.
User avatar
D Griff
Trollistrator
Trollistrator
Posts: 28784
Joined: Thu Nov 03, 2016 8:49 am
Drives: Bicycles/Two Feet

Desertbreh wrote: Mon Apr 13, 2020 4:34 pm USAA is giving us 20% off for the next two months.
Unfortunately you can only get USAA if someone in your family already has it. My dad was in the military but doesn't use them so I don't have access. They seem to be one of the best.

Having gone through a number of insurance provders for quotes recently, they all seem to be doing some kind of COVID redux plan. I'm sure they're saving billions in lack of auto claims :doe:
User avatar
D Griff
Trollistrator
Trollistrator
Posts: 28784
Joined: Thu Nov 03, 2016 8:49 am
Drives: Bicycles/Two Feet

Officially moved over to the Gecko... paid six months up front to save 18 big ones, $452 for six months with the #COVIDbucks taken off, full coverage on the :poorvette: and German Kamry, liability only on the 2012 Fusion as it's only worth like $3K.
User avatar
ChrisoftheNorth
Moderator
Moderator
Posts: 47112
Joined: Thu Nov 03, 2016 6:10 am
Drives: 4R

D Griff wrote: Wed Apr 15, 2020 2:45 pm Officially moved over to the Gecko... paid six months up front to save 18 big ones, $452 for six months with the #COVIDbucks taken off, full coverage on the :poorvette: and German Kamry, liability only on the 2012 Fusion as it's only worth like $3K.
Did you end up getting the new customer discount or did they screw you on that?
Desertbreh wrote: Tue Oct 10, 2017 6:40 pm My guess would be that Chris took some time off because he has read the dialogue on this page 1,345 times and decided to spend some of his free time doing something besides beating a horse to death.
User avatar
D Griff
Trollistrator
Trollistrator
Posts: 28784
Joined: Thu Nov 03, 2016 8:49 am
Drives: Bicycles/Two Feet

Detroit wrote: Wed Apr 15, 2020 2:52 pm
D Griff wrote: Wed Apr 15, 2020 2:45 pm Officially moved over to the Gecko... paid six months up front to save 18 big ones, $452 for six months with the #COVIDbucks taken off, full coverage on the :poorvette: and German Kamry, liability only on the 2012 Fusion as it's only worth like $3K.
Did you end up getting the new customer discount or did they screw you on that?
Yeah, I told them to pound sand if the only option was to be added to my wife's policy at a significantly higher rate than my quote was for.

Not including the COVID discount the policy is $1070/year, which seems cheap to me, it is $300 less than I was paying for just me and my cars.
User avatar
ChrisoftheNorth
Moderator
Moderator
Posts: 47112
Joined: Thu Nov 03, 2016 6:10 am
Drives: 4R

D Griff wrote: Wed Apr 15, 2020 3:24 pm
Detroit wrote: Wed Apr 15, 2020 2:52 pm
Did you end up getting the new customer discount or did they screw you on that?
Yeah, I told them to pound sand if the only option was to be added to my wife's policy at a significantly higher rate than my quote was for.

Not including the COVID discount the policy is $1070/year, which seems cheap to me, it is $300 less than I was paying for just me and my cars.
Yea...just keep an eye on the renewals. Progressive increased my rate at every single renewal until the point where it wasn't a deal anymore.

That's OK, still saved a ton in the process.
Desertbreh wrote: Tue Oct 10, 2017 6:40 pm My guess would be that Chris took some time off because he has read the dialogue on this page 1,345 times and decided to spend some of his free time doing something besides beating a horse to death.
User avatar
D Griff
Trollistrator
Trollistrator
Posts: 28784
Joined: Thu Nov 03, 2016 8:49 am
Drives: Bicycles/Two Feet

Detroit wrote: Wed Apr 15, 2020 3:35 pm
D Griff wrote: Wed Apr 15, 2020 3:24 pm

Yeah, I told them to pound sand if the only option was to be added to my wife's policy at a significantly higher rate than my quote was for.

Not including the COVID discount the policy is $1070/year, which seems cheap to me, it is $300 less than I was paying for just me and my cars.
Yea...just keep an eye on the renewals. Progressive increased my rate at every single renewal until the point where it wasn't a deal anymore.

That's OK, still saved a ton in the process.
Yep, if they try to fuck me, well, I will just leave and get something else. It seems like they kept things pretty cheap for the wife over the years :doe:
Post Reply