Lol, you started a thread stating you were to lazy to find the information on your own!really?
you end up paying the middle man, you do realize that, right?
so when you go through a broker, they check your **** with a bunch of insurance companies, which you can do too!
a bit more time consuming to call a number of places, but hell...**** it.
i had a broker on one of my previous cars and any time i needed to make a change to my account - i had to pay money.
adding a vehicle? pay money
dropping a vehicle? pay money.
could have been the shitty policy i had, but still.
do some of your own leg work.
no i didn't.Lol, you started a thread stating you were to lazy to find the information on your own!
nice! for me it wasn't just an upfront cost. it was also a fee anytime i wanted to do anything to my policy.My broker is cheap, and finds me rates a hell of a lot cheaper than I can find on my own. I'll pay the $120 upfront and save $60 a month
Usaa. Cheap as ****. Love them. Had progressive first, and they were alright until they charged me $1700 for motorcycle insurance coverage over some paperwork they never sent me.
Yup. Usaa is the way to go. When i was 21, $48 for liability only on miata... Swapped to full coverage after i got hit and ran and now i sit at $149 in the miata. Treat me right on everything i ask.... Let you slide on missing payments as long as you get back at them. Im 23 now and best insurance i have had by far.Jumbosrule said:USAA is the way to go if you have an "in" via a family member in the military. None of the stereotypes: helpful, speedy, fair... I'm a fan.
That being said, anybody who modifies a car and has feelings for it should consider a declared value policy. Otherwise in an accident you will be compensated for the stock value of the car without any aftermarket parts, unless there is a provision for that kind of thing in your policy. In the case of the Miata I feel like it is worth it if the total value of the parts in your car is above $12,000 or so. If you wreck the car and have a regular policy, the only way to even come close to recovering your investment is to keep the salvage and part out all the un-damaged items. I've done this. While it is cost effective and somewhat satisfying, it is not at all convenient. For the sake of your own sanity and because you know you will just end up modifying the next car you buy, I think being compensated for the full value - and then walking away from the carlationship is the way to go.
With declared value, you get back what you say you put in. Of course, you pay for that priveledge in premiums. Pay now or take a chance you could be paying more later? Whatever works for your life situation...
You know, I've had my insurance for 3 years and I haven't had to make any changes to my policy yet. I'm sure I'll get fucked in the ass with another $120 fee when I insure my Miata. :scream:phillyb™;1261224 said:no i didn't.
nice! for me it wasn't just an upfront cost. it was also a fee anytime i wanted to do anything to my policy.
I have Geico, they are decent I guess. By far the cheapest I could get....But I still pay $330 a month, which goes quite fucking nicely with my $380 a month car payment...
EDIT: I have full coverage with rental reimbursement for 30 days, and 500 dollar deductibles on everything.