Consumer Advice

politicaljack78

(312 posts) Fri Nov 16, 2012, 11:56 PM Nov 2012

My auto insurance for full comprehensive

Coverage just went up 840 a year. I did not have any violations, not even a parking ticket, nor an accident, I simply moved from Pompton Lakes to Paterson. What I have learned by changing my address is that people in urban areas are screwed when it comes to insurance and in an instant to boot.

I went to first get a better quote from 21st Century, they had offered me a quote less than that of my current carrier Geico. When I punched in my address my quote which had been 946 had become 2200, I said hell to the no, I will just renew then. I renewed at 581 for 6 months, but then realized my old address was still listed, so I changes it and instantly the website indicated my cost had changes and I now owed them an additional 420 for the same coverage for 6 months at my new address. I mean talk about screwing people over, a lot of folks in Paterson cannot afford basics and rely on government assistance. I mean granted higher population density, chance of theft, more congestion on the roads, but that is an insane increase of 80%. Check it for yourself, get a quote for where you live and see if it is higher in a more urban area or lower in a less populated area.

10 replies

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My auto insurance for full comprehensive (Original Post) politicaljack78 Nov 2012 OP

Is comp. essential for your car? dixiegrrrrl Nov 2012 #1

Yeah unfortunately it's a must have on a financed vehicle. politicaljack78 Nov 2012 #2

Thanks for info, I find it edcuational. dixiegrrrrl Nov 2012 #3

You're welcome and it's my pleasure. politicaljack78 Nov 2012 #4

I gas up my toyota 5 speed every 3-4 months dixiegrrrrl Nov 2012 #5

OMG ! Wow...now that is efficient! politicaljack78 Nov 2012 #6

Long time habit, living in hurricane country. dixiegrrrrl Nov 2012 #7

My dad would do the same, he would tell me fill up at half full and I never understood why... politicaljack78 Nov 2012 #8

Spam deleted by hlthe2b (MIR Team) iqvisionmachine Dec 2012 #9

I have 20th Century RebelOne Jan 2013 #10

dixiegrrrrl

(60,012 posts)

1. Is comp. essential for your car?

Reply to politicaljack78 (Original post)

Sat Nov 17, 2012, 01:32 AM

Nov 2012

One of advantages of me driving an old car is all I have to carry is liability.

Your point about checking out insurance rates before you move is a good idea.

politicaljack78

(312 posts)

2. Yeah unfortunately it's a must have on a financed vehicle.

Reply to dixiegrrrrl (Reply #1)

Sat Nov 17, 2012, 06:18 PM

Nov 2012

I wish I still drove my 91 Accord, it was originally my dad's, and it's still a workhorse, sitting in the driveway. It was in his name still when he passed last year, and it still will take time to transfer over to my name.

I bought an 08 Camry XLE in May (too much car for me to be honest) but mom loved the color and she needed a win after my dad passed, so I took the plunge to help improve my credit. Put down half, and financed the rest at a sweet 2.9%.

The insurance is a big hit, I need to pay off the financiers, Wells Fargo quickly, so I can get that down, so I am going to buckle down and cut out unnecessary expenditures. Then once it's paid off, I'll give the car to my mom and get her to drive again (Sky Blue Pearl is not my color). I'll start driving the Honda again and try to get it to 300K.

Funny thing about the insurance, even taking comprehensive and collision off, it will still be more expensive than my previous rate, and all because I now live in the city, to help out my mom with rent and not in the burbs in my own place.

dixiegrrrrl

(60,012 posts)

3. Thanks for info, I find it edcuational.

Reply to politicaljack78 (Reply #2)

Sat Nov 17, 2012, 06:38 PM

Nov 2012

Gives me something to think about if/when we replace one of our 20 year old vehicles.
Fortunately we live in the boonies and drive rarely, anymore, so our liability insur. is pretty affordable.

politicaljack78

(312 posts)

4. You're welcome and it's my pleasure.

Reply to dixiegrrrrl (Reply #3)

Sat Nov 17, 2012, 07:52 PM

Nov 2012

Never buy new. And if you can just maintain your vehicles for another 5-10 years, do it, cause they sure don't make them like they used to. Then get something fuel efficient, my current ride gets 30 mpg highway.

dixiegrrrrl

(60,012 posts)

5. I gas up my toyota 5 speed every 3-4 months

Reply to politicaljack78 (Reply #4)

Sat Nov 17, 2012, 08:11 PM

Nov 2012

when the tank gets to 1/2 full.
It's a 1993, no problems with it so far.

politicaljack78

(312 posts)

6. OMG ! Wow...now that is efficient!

Reply to dixiegrrrrl (Reply #5)

Sat Nov 17, 2012, 09:23 PM

Nov 2012

I have to gas up every two weeks and when the Hurricane blew through the area, it was at least a two hour wait. Wow.

dixiegrrrrl

(60,012 posts)

7. Long time habit, living in hurricane country.

Reply to politicaljack78 (Reply #6)

Sat Nov 17, 2012, 09:27 PM

Nov 2012

1/2 full tank is same as empty, in my mind.

Being retired and introverted, I don't drive hardly at all anymore.
Saves a ton on gas bills.
and insurance.