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Posted: 9/14/2004 7:33:11 PM EDT
[#1]
I have the high deductible, because if I have any accidents, my rates go up 40%. Wife had an 'act of God" type accident, one in which even an driving master couldn't have avoided. $2k damage to the car. Rates went up just enough that the company recouped nearly all of the $2k in increased premiums. So now we figure, screw it. Why have $a low deductible, if using it even once costs you $600 extra in premiums per year for the next 3 years? Might as well have the $500-1000 deductible, because you either pay it as deductible then they pay the rest PLUS 40% more for 3 years, or just eat it and save the money.
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Posted: 9/14/2004 7:40:24 PM EDT
[#2]
$500
Now will you tell me what the bet was???? |
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Posted: 9/14/2004 7:41:55 PM EDT
[#3]
$500.
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Posted: 9/14/2004 7:47:25 PM EDT
[#4]
500
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Posted: 9/14/2004 7:52:19 PM EDT
[#5]
Both of my cars are old now.
I just don't insure them anymore. Liability only. |
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Posted: 9/14/2004 7:53:58 PM EDT
[#6]
$500
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Posted: 9/14/2004 8:10:51 PM EDT
[#7]
$250 Im considering getting it lower I had to pay it the following times in the last year.
Busted windshield Excursion backing into me and driving away Attempted breakin at gunshow Limbs from icestorm accident 2 more accidnets on car with libality, 1 hit and run, 1 driver with no insurance. Frogot to add I expect to have to use it again soon, I think either me or the car is cursed, nearly got hit 2 times since Sunday. |
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Posted: 9/14/2004 8:14:33 PM EDT
[#8]
$250
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Posted: 9/14/2004 8:15:27 PM EDT
[#9]
$250 Dodge Dakota 2001
$500 Dodge Viper 2002 Geico. |
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Posted: 9/14/2004 8:50:46 PM EDT
[#10]
$100
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Posted: 9/14/2004 8:59:38 PM EDT
[#11]
500
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Posted: 9/14/2004 9:05:19 PM EDT
[#12]
500
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Posted: 9/14/2004 9:07:06 PM EDT
[#13]
I have a $100.00 for collision, and $0.00 (zero) deduct for comp
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Posted: 9/14/2004 9:13:00 PM EDT
[#14]
Try insuring vehicles in TX. Have to make a deal with satan to get anywhere near decent rates. I'm sure there are a few other Texans that can vouch for this.
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Posted: 9/14/2004 9:14:10 PM EDT
[#15]
yup... |
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Posted: 9/14/2004 9:52:48 PM EDT
[#16]
$500
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Posted: 9/15/2004 5:06:19 AM EDT
[#17]
Thanks for the info, guys |
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Posted: 9/15/2004 5:07:25 AM EDT
[#18]
500
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Posted: 9/15/2004 5:17:29 AM EDT
[#19]
For the last 17 years, liability only. If I have an accident that is my fault, and the truck is totalled, take the tags and walk home.
You do know that "casualty loss" is deductableon your income taxes? Factor that into the equation, and your cost of insurance is huge. |
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Posted: 9/15/2004 5:40:55 AM EDT
[#20]
$1000. MI is very driver unfriendly as far as Auto Insurance. Anything under $1000 I'll pay for out of pocket. It would be cheaper in the long run than filing a claim and paying 50%+ higher rates for the next 7 years. I basically carry collision coverage to protect myself in the event of an accident that totals the vehicle.
Auto insurance in MI is a total rip-off. |
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Posted: 9/15/2004 5:48:29 AM EDT
[#21]
$500.
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Posted: 9/15/2004 5:49:19 AM EDT
[#22]
Liabilty only on our car and truck, it was $500 when we had full coverage.
We do have $500 on the Harley though. |
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Posted: 9/15/2004 5:50:12 AM EDT
[#23]
So far mine has paid approx 6500 out to me this year.
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Posted: 9/15/2004 5:52:02 AM EDT
[#24]
i don't carry collision insurance because my car is worth approximately bupkus
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Posted: 9/15/2004 5:54:18 AM EDT
[#25]
Are you serious? |
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Posted: 9/15/2004 6:01:43 AM EDT
[#26]
Yes, pull out your income tax instructions. You have to itemize to do it. Next to banks, insurance is the biggest scam going. |
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Posted: 9/15/2004 6:14:26 AM EDT
[#27]
depends on the type of claim
$100.00 for act of nature/god type accidents (I hit a raccoon, for example) $500.00 if I run into someone |
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Posted: 9/15/2004 6:58:42 AM EDT
[#28]
$500
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