1
vote
2answers
65 views

Car insurance versus personal liability insurance

I'm in the market for car insurance for the first time, and I'm trying to understand the best way to approach it. I've talked to some insurance salesmen, and they consistently try to convince me that ...
4
votes
2answers
178 views

Why does my insurance premium go up when I remove my wife?

I was messing around with my insurance policy to see if I could get my premium to go down a little bit, so I was just curious; How much is my wife making my premium go up? As it stood, my premium ...
2
votes
0answers
105 views

How do I judge if I am being made a fair offer by a car insurance company?

My girlfriend got into an accident with her (registered under my name) 2003 Honda civic. She was pulling out of the drive way(taking a right, basically parallel to the road) and got hit on the quarter ...
6
votes
2answers
139 views

How to deal with insurance when renting a car from an individual?

I need an extra car for 2 months, and all car rentals were $800/month and up. A friend offered to rent me his extra car for $450/month. He said it costs him $160/month for insurance, which sounds like ...
2
votes
1answer
58 views

Insurance quote - Report Moving Violation

I am trying to get renters' insurance and move car insurance all to the same company for a multi-line discount. I live in CA, USA, and had a speeding ticket last year, but it was held confidential ...
3
votes
1answer
410 views

How can I find car insurance with 3 major claims on my record?

In short: I have 2 total losses on my record due to city vehicles pulling out in front of me. They were at fault but the insurance companies don't care. My wife has an at fault accident which was a ...
1
vote
1answer
59 views

Do insurance companies pay for court appearance?

I was insured for $200K liability and got into an accident in 2011. The other party had a fractured ankle and filed a lawsuit against me after almost a year, asking for monetary compensation of about ...
2
votes
2answers
108 views

Method for calculating the wisest amount of liability to purchase for car & home insurance?

I've seen the advice to get enough liability insurance as you have in total assets, i.e. if your owned home, owned car & savings = $100,000, then get $100,000 liability coverage. What is the ...
4
votes
2answers
118 views

When driving in the USA, how do I insure against large third party claims?

I've been looking into travelling to the USA (CA specifically) later this year, and hiring a car whilst I'm there. As I understand the American legal system, if I should get into an accident and be ...
4
votes
3answers
843 views

When to swap from 50k/100k/50k auto policy to something higher, 100k/300k/50k or more?

In the course of adding myself to my girlfriend's renters insurance, it came to light that I still had 50k/100k/50k liability (50k individual, 100k total over accident, 50k property). This is ...
0
votes
2answers
1k views

Auto insurance- should I add my girlfriend?

Im shopping around for insurance and have almost decided on Allstate because of the low cost on my two vehicles and renters insurance. My girlfriend and I bought a 2008 Nissan Altima two days ago and ...
3
votes
3answers
1k views

How can I improve my auto insurance score?

My auto insurance score on Credit Karma is 805. It also says insurability is poor. I was wondering if there is a way to improve that score? I have never had an accident and I am never late on my ...
13
votes
8answers
611 views

What would I miss out on by self insuring my car?

I've been thinking lately that it might make sense to drop comprehensive and collision and self-insure these risks (obviosuly I'd keep the liability insurance). Basically, I'd keep around in a fairly ...
5
votes
6answers
511 views

I am thinking about cancelling my car insurance. Will there be any hidden costs down the road?

I own my car outright and just moved to a large city. Public transportation and access to a roommate's car makes transportation easy. I am thinking about storing my car at my parents house and ...
4
votes
1answer
90 views

What is the value of Personal Injury Insurance riders on an auto insurance policy?

I'm renewing my auto insurance policy and found that +10% of the renewal quote is for a Personal Injury Protection. My health insurance is adequate (for now) and the protection from the rider seems ...
5
votes
2answers
346 views

Car insurance for infrequent drivers

What car insurance is available for people who drive infrequently and/or drive a very small number of miles per year (say less than 500 miles/year)? I just moved somewhere that allows me to walk and ...