Posted by: dekchidriver April 12, 2010
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So far Progressive has given me the lowest quotes and am with them on a six month insurance.
My friend switched from Geiko to Progressive and had almost 50% reduction on his monthly payments.
I'm not sure, but if this is your first time taking Auto Insurance, then your monthly payments WILL be high (I guess because since you don't have history, the companies assume you as a high risk client). But over the years, when u show them that you drive safe (no accidents or tickets) and pay ur $$ on time (no late payments), they will eventually lower your bill.
Also, are you going for full coverage or just liabilities? If you have an expensive car , I'd suggest full coverage for peace of mind. Or, if u like me, have a trusty cheap vehicle (toyota, honda), just the liabilities should keep you on the safe side.
I think liabilities mean that if YOU hit someone, then your insurance covers THEIR medical and repair bills (up to an extent, dont crash into a rolls royce :) ) but the damage on your car is on your own head.
On the other hand, if you have just liabilities on ur insurance, and someone crashes into you, their insurance ends up paying for your damages. Its upto the cops to decide who's mistake it was. And in some states, remember that parking lot ma bhako accident ma dubai ko galti manincha.
Comprehensive coverage, is the more expensive one, which covers you in (almost) all situations, unlike liabilities. The price differs from which plan you chose. ($0 glass, $100 deductible or no-glass, $1000 deductible). the $100, or $1000 deductibles mean if you crash your car, then YOU pay $100, or $1000 depending on what you chose, and the insurance company pays the rest. The $0 glass means that if your windshield (or any other glass window) of ur car is shattered, they fix it for free.
Lastly, keep in mind that the insurance will pay ur bill if u get into a mess, but ur quote increases if u get into an accident. The quote, i hear, also depends on type of car, type of engine, color and year and make. Twin turbo engines are assesed at a higher risk than their normal counterparts.
Hope it helped, and good luck choosing a suitable insurance agency.
Cheers.
My friend switched from Geiko to Progressive and had almost 50% reduction on his monthly payments.
I'm not sure, but if this is your first time taking Auto Insurance, then your monthly payments WILL be high (I guess because since you don't have history, the companies assume you as a high risk client). But over the years, when u show them that you drive safe (no accidents or tickets) and pay ur $$ on time (no late payments), they will eventually lower your bill.
Also, are you going for full coverage or just liabilities? If you have an expensive car , I'd suggest full coverage for peace of mind. Or, if u like me, have a trusty cheap vehicle (toyota, honda), just the liabilities should keep you on the safe side.
I think liabilities mean that if YOU hit someone, then your insurance covers THEIR medical and repair bills (up to an extent, dont crash into a rolls royce :) ) but the damage on your car is on your own head.
On the other hand, if you have just liabilities on ur insurance, and someone crashes into you, their insurance ends up paying for your damages. Its upto the cops to decide who's mistake it was. And in some states, remember that parking lot ma bhako accident ma dubai ko galti manincha.
Comprehensive coverage, is the more expensive one, which covers you in (almost) all situations, unlike liabilities. The price differs from which plan you chose. ($0 glass, $100 deductible or no-glass, $1000 deductible). the $100, or $1000 deductibles mean if you crash your car, then YOU pay $100, or $1000 depending on what you chose, and the insurance company pays the rest. The $0 glass means that if your windshield (or any other glass window) of ur car is shattered, they fix it for free.
Lastly, keep in mind that the insurance will pay ur bill if u get into a mess, but ur quote increases if u get into an accident. The quote, i hear, also depends on type of car, type of engine, color and year and make. Twin turbo engines are assesed at a higher risk than their normal counterparts.
Hope it helped, and good luck choosing a suitable insurance agency.
Cheers.