car insurance

[724Skinsfan]

I've had State Farm for about 7 years and been fairly pleased with the rates and the service. The most important thing though is to pay that friggin' car off asap. Drop the full coverage down to liability.

[TheMalcolmConnection]

Originally Posted by 724Skinsfan

The most important thing though is to pay that friggin' car off asap. Drop the full coverage down to liability.

I second that. That's the biggest pain in the ass of car insurance: being FORCED to have full coverage until you pay it off. I had something happen to my car and they still were BSing me saying that what happened was a collision even though I didn't run into anything!

[firstdown]

Originally Posted by TheMalcolmConnection

I second that. That's the biggest pain in the ass of car insurance: being FORCED to have full coverage until you pay it off. I had something happen to my car and they still were BSing me saying that what happened was a collision even though I didn't run into anything!

What happened to your car?

[TheMalcolmConnection]

Originally Posted by firstdown

What happened to your car?

It was sitting in a parking lot and pieces of branches fell on it in a storm leaving a couple nice dents in the side.

[firstdown]

Originally Posted by TheMalcolmConnection

It was sitting in a parking lot and pieces of branches fell on it in a storm leaving a couple nice dents in the side.

Thats a comp. loss who's your insurance co.?

[paulskinsfan]

Originally Posted by 724Skinsfan

I've had State Farm for about 7 years and been fairly pleased with the rates and the service. The most important thing though is to pay that friggin' car off asap. Drop the full coverage down to liability.

PLEASE DON'T DO THAT!!! I don't know what the min coverage is in VA, but in WVA its 20/40/10, meaning 20 thousand per accident, 40 thousand per occurence. Sooo, if you cause an accident, they only pay the injured party up to 20 grand, which comes really really fast if anyone is hurt. THE MOST IMPORTANT INSURANCE TO GET IS UNDERINSURANCE. That means if the yahoo that hits you has minimum coverage, your own insurance kicks in. Sooo, lets say some idiot runs a red light and T-bones you. You're in the hospital with 15k in bills, and he's got the min coverage. He coughs up his 20k, and then your insurance will cough up some as well, but ONLY if you have underinsurance coverage. I hear what you guys are saying about "full coverage" but with some of the idiots out there, I wouldn't risk not being covered in the event of an accident. Medical bills and lost wages pile up pretty darn fast.

[724Skinsfan]

Originally Posted by paulskinsfan

PLEASE DON'T DO THAT!!! I don't know what the min coverage is in VA, but in WVA its 20/40/10, meaning 20 thousand per accident, 40 thousand per occurence. Sooo, if you cause an accident, they only pay the injured party up to 20 grand, which comes really really fast if anyone is hurt. THE MOST IMPORTANT INSURANCE TO GET IS UNDERINSURANCE. That means if the yahoo that hits you has minimum coverage, your own insurance kicks in. Sooo, lets say some idiot runs a red light and T-bones you. You're in the hospital with 15k in bills, and he's got the min coverage. He coughs up his 20k, and then your insurance will cough up some as well, but ONLY if you have underinsurance coverage. I hear what you guys are saying about "full coverage" but with some of the idiots out there, I wouldn't risk not being covered in the event of an accident. Medical bills and lost wages pile up pretty darn fast.

No doubt it's a risk but one that I'm willing to take. I think VA's coverage is 25/50/20; just stating, not promoting. Once again, I concede it's a risk.

[Frost]

thanks a lot guys for all your help,, this has been really great and helpful info from everyone. i never knew how hard the process is of getting a car, insurance registration etc... hopefully i'll get a car by this weekend and take it from there, its just really hard to pick a car cause i dont really know whats good out there and what will last and at the same time i want something that looks pretty decent , as far as insurance goes im kinda leaning towards Safeco,, the quote i got was $960 for 1st 6 months. anyone else has or heard of safeco ?