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hi liter posted:Sorry if this is the wrong thread (Didn't see a thread for this in the Dorkroom). Be an adult and call an insurance agent for a quote. As a businessperson, they can be your best friend not just making sure you have appropriate coverage but also making sure you can understand what's covered, why, what's not, and why not. EAT FASTER!!!!!! fucked around with this message at 21:32 on May 5, 2017 |
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May 5, 2017 21:30
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hi liter posted:Sorry if this is the wrong thread (Didn't see a thread for this in the Dorkroom). The above poster is right. You're gonna want a business insurance policy since you're going to be using it for money. No big deal. Keep your renters insurance too! qkkl posted:What's a reasonable price to pay per month for health insurance with a deductible of $3,500? That is such a can of worms dude. Contact your local navigator in your area. Healthcare.gov
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May 5, 2017 22:33
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EAT FASTER!!!!!! posted:Be an adult and call an insurance agent for a quote. As a businessperson, they can be your best friend not just making sure you have appropriate coverage but also making sure you can understand what's covered, why, what's not, and why not. Thanks. I'm a baby millennial dipshit so this whole 'let's start a business' idea is going to be rough. But hopefully fun a lucrative in the long run!
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May 6, 2017 02:23
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Pryor on Fire posted:What are your preexisting conditions? None, just a healthy young male. I just want to make sure paying more than $10 a month is reasonable.
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May 11, 2017 19:09
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I know nobody here is a lawyer but I might've gotten banged for passing a school bus with the stop arm deployed - I was heading toward the bus and as I was passing it the arm started to deploy and the bus driver honked at me. I have no points on my license and no prior record. Assuming the driver has my number and it goes to court, how badly is this going to hike up my insurance rates?
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May 12, 2017 22:25
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lol no bus driver gives enough of a poo poo to call the police and narc out your license plates and if they did your local police would laugh and hang up on them I think you need to lay off the chronic your points are fine.
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May 13, 2017 01:46
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If. Big if, it is registered itd be possibly a minor violation, like minor speeding
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May 13, 2017 02:00
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Pryor on Fire posted:lol no bus driver gives enough of a poo poo to call the police and narc out your license plates and if they did your local police would laugh and hang up on them I think you need to lay off the chronic your points are fine. Ohhhhh yes they have! It may not be everyone but in Ohio they can get descriptions and license plate numbers and pass that onto police who can press charges. In the City of Cleveland it's actually a first degree misdemeanor to pass a stopped school bus. ($1000 fine and/or up to six months in prison as well.)
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May 13, 2017 02:30
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If there is no cop or camera seeing this infraction, you're not getting a ticket.
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May 13, 2017 02:34
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lol I want to hear the recording of the bus driver on his first ever shift calling the sheriff to report A CRIME! I got passed with the STOP SIGN OUT! I'm sure it's loving hilarious.
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May 15, 2017 01:49
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What's the deal with the limited or full tort options with auto insurance? I understand what they are and what it means, but I don't get why it effects my insurance. Like, why does it matter what my policy is if the other party is at fault? My insurance isn't the one that's paying that. Is it really just a fee to not waive my ability to file suit for pain and suffering damages?
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Jun 1, 2017 20:45
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Its there to ensure the insurance company will pay for you to pursue additional damages. Otherwise you're on your own and they arent going to pay. Remember your own insurance can pay medical not just theirs. Its no fault
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Jun 2, 2017 03:15
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I guess I should've said that I'm in Pennsylvania. Here the law is that if you purchase limited tort and are the victim, then you are barred from seeking for non-economic or "pain and suffering" damages with few exceptions. I don't see how opting out should effect my rates, unless it's just because the law mandates a discount to push people into opting for limited tort.
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Jun 2, 2017 05:58
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BirdOfPlay posted:I guess I should've said that I'm in Pennsylvania. Here the law is that if you purchase limited tort and are the victim, then you are barred from seeking for non-economic or "pain and suffering" damages with few exceptions. I don't see how opting out should effect my rates, unless it's just because the law mandates a discount to push people into opting for limited tort. Its not that you're getting a discount its that the full tort costs more since its more coverage.
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Jun 2, 2017 13:14
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the reason ive understood full tort costs more is that you will most likely get a larger potential UMBI settlement if you put forward a claim.
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Jun 8, 2017 02:19
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I have car insurance through Traveler's, two cars for two drivers. In my policy it contains this:code:code:Can anyone confirm what she said? It seems weird that they would have some random mileage numbers on the policy that don't mean anything.
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Jun 30, 2017 21:08
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Some insurers care if you have excessive miles on it. Not all do, and Im pretty sure Travelers doesnt care.
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Jun 30, 2017 21:12
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Agreed. Sometimes the cost breakdown isn't truly what it costs per car. Some companies bake in their fees and such into one car. If the vehicles positions on policy were reversed, you might see the cost shift higher on one, and lower on the other, but remaining the same overall. They could also be rating the highest risk driver against the highest risk car, which would explain what you see as well. In short, the numbers aren't always the numbers.
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Jun 30, 2017 21:19
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Droo posted:I have car insurance through Traveler's, two cars for two drivers. In my policy it contains this: This doesn't make sense to me since we're looking at liability coverage premiums. My money's on some kind of discount structure or driver rating that's not obvious from the dec. Same comment for the mileage figures.
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Jun 30, 2017 21:49
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qkkl posted:None, just a healthy young male. I just want to make sure paying more than $10 a month is reasonable. Since you're a healthy young male, you can probably get a prime rate if you go through medical underwriting, I would see if any local carriers are selling non-ACA plans. In theory you could be able to get a rate such that your annual premiums + the ACA penalty are less than what you'd pay on the exchange. You'll want to see what all it covers, but since you won't have any maternity claims and have no pre-existing conditions I would imagine what is covered would be sufficient. I can't say what a reasonable price would be since I have no idea what the providers in your area charge among other things, but if you're not eligible for ACA subsidies you'd want to make sure the premiums were at least low enough that it's more cost-effective to buy the plan and pay the penalty than buy an ACA plan. Reik fucked around with this message at 15:31 on Jul 6, 2017 |
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Jul 6, 2017 15:28
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I'm going to be moving out of the country soon but leaving my car at my house. I plan to visit every month or so so I would like to keep the car to drive around maybe 6 to 12 times a year. I currently have a 6 month premium of around $358. Obviously too expensive for a car that is only going to be driving for a low amount of miles. I went to my Geico online account and edited all my coverage options and I was able to bring it down to $158. However, to bring it down to that option, I rejected many of the options so I'm not sure... is there a better option for me?
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Jul 7, 2017 13:40
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Probably not. $158 is pretty cheap but I imagine you're running with state minimums and rejecting a lot of coverages you'd want in an accident. Have you considered just renting a car instead of dealing with the insurance and maintenance on a depreciating asset you'll barely drive?
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Jul 7, 2017 13:47
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IF you absolutely want to keep it, yeah I'd keep comp insurance on it. If you're going to be driving it when you're back home, you'll probably find it more cost effective to just keep the minimum liability on it. Some companies offer "Garaging" insurance, though I'm not sure GEICO does. Look into that by askin em.
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Jul 7, 2017 14:00
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Busy Bee posted:I'm going to be moving out of the country soon but leaving my car at my house. I plan to visit every month or so so I would like to keep the car to drive around maybe 6 to 12 times a year. Keep comprehensive on it and put a battery tender on it. It's like insurance for your battery, and if your battery tender decides to burn your car (house) down it should be covered under comp. Try cranking your deductibles up if you haven't already, it's your share in a claim but it should lower your up front costs. Let them know your miles are dropping as well, they might be willing to give you a substantial discount. State Farm offers reasonable discounts on low mileage vehicles.
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Jul 7, 2017 14:07
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Thank you for your guy's help and advice. In the meantime, I would like to keep the car even though it is probably not the most logical decision. Here are some screenshots I took regarding the coverages I changed, anything that sticks out or you recommend I should not do? Vehicle Coverage:  Policy Coverage: 
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Jul 7, 2017 14:09
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Drop collision when you're not driving it. Those deductibles are crazy high and probably doesn't cost much more to put them to something more reasonable. That's how much you pay in a claim. How much is the car worth?
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Jul 7, 2017 14:12
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big crush on Chad OMG posted:Drop collision when you're not driving it. Those deductibles are crazy high and probably doesn't cost much more to put them to something more reasonable. That's how much you pay in a claim. How much is the car worth? Around $4,000 - $5,000
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Jul 7, 2017 14:21
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Busy Bee posted:Around $4,000 - $5,000 You might be the ideal case for those sketchy pay-by-the-mile insurance companies that are advertising heavily on social media right now.
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Jul 7, 2017 14:29
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H110Hawk posted:You might be the ideal case for those sketchy pay-by-the-mile insurance companies that are advertising heavily on social media right now. Metromile is legit but only serving some states.
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Jul 7, 2017 16:49
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If you are intending to come back to the U.S. and drive your own car after a year, it's probably worth it for you to pay that, since you'll usually get your rates jacked up a ton after going without for awhile.
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Jul 11, 2017 00:56
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If my spouse and I are picking up policies for 20 year term life insurance and stick with the bigger name companies, can you go wrong with one versus the other? Right now my thought is to use one of the insurance quote portals like on nerdwallet.com and go with the cheapest big name company. Is this a decent strategy for selecting term life products or do I need to dig a little deeper and truly get into the fine print on a company by company basis? Thanks!
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Jul 11, 2017 18:02
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Fireside Nut posted:If my spouse and I are picking up policies for 20 year term life insurance and stick with the bigger name companies, can you go wrong with one versus the other? Right now my thought is to use one of the insurance quote portals like on nerdwallet.com and go with the cheapest big name company. Is this a decent strategy for selecting term life products or do I need to dig a little deeper and truly get into the fine print on a company by company basis? I mean do some rudimentary research on them first. Make sure there are no small clauses that say "X isn't covered" Or that a premium can increase. Term is generally an alright bet though.
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Jul 12, 2017 02:01
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Jastiger posted:I mean do some rudimentary research on them first. Make sure there are no small clauses that say "X isn't covered" Or that a premium can increase. Term is generally an alright bet though. Haha I worded that poorly, my fault. I absolutely intend to do some research -- I didn't mean to make it sound like I would purchase something on the fly. I appreciate the examples of red flags to watch out for. That's really what I was getting at and wanted to validate my (only slightly educated) assumption that term life plans are generally safe bets. Thanks again!
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Jul 12, 2017 02:43
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I have renters insurance but I don't think it has HO-208 endorsement. That's for like flooding from a sewer or drain backing up. I am paying like $150/6mo now, does anyone know roughly how much a HO-208 endorsement for like $10k or $5k would cost?
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Jul 13, 2017 05:22
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Three-Phase posted:I have renters insurance but I don't think it has HO-208 endorsement. That's for like flooding from a sewer or drain backing up. I am paying like $150/6mo now, does anyone know roughly how much a HO-208 endorsement for like $10k or $5k would cost? Probably like 8 bucks or so, if that.
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Jul 13, 2017 05:41
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Jastiger posted:Probably like 8 bucks or so, if that. Oh hell I'll get two of them.
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Jul 17, 2017 03:34
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I know the conventional wisdom is "get as much insurance as you can afford," but I think I'm overdoing it at this point. I've got a '99 Subaru that's probably worth about $1500 judging by Craigslist. State Farm has raised my rates by 15% since January. It's now $80/mo for $500 deductible comprehensive. I'm really considering reducing coverage to liability and uninsured motorist. Would that be a bad idea? I'm sure these two things matter: We do have a second car, so I could get to work until I could get a replacement. And if worst comes to worst, I could buy a $3000 beater Prius/Civic Hybrid/Civic at effectively no cost to myself (company reimbursement).
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Jul 23, 2017 16:45
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Not really considering you'd get at most, 1k, then paying 80 a month for that breaks even pretty quick.
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Jul 23, 2017 22:53
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If you feel you can easily replace thr car, then drop the coverage
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Jul 24, 2017 05:15
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My mom is retiring this year. She will be turning 65 on December 29th, and would like to retire around Thanksgiving. Should she just shell out for COBRA for a month, or is there an easy way to get gap coverage of some sort?
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Jul 27, 2017 01:46
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