hey guys....just another question on insurance...
actually this is more on advice for insurance on ehte e90 than the e90 itself so I am sorry ahead if its slightly OT but i love this forum and couldnt figure where to post it and u guys have been so helpful and all....
So this is my first car ever in the states or otherwise, and I have never had car insurance in the US, and was wondering if someone could advise me as to how much coverage i should be looking to get??
Like i tried asking a GEICO person on the phone...she was useless....
what should I be looking at??
I am a single, 19y.o. college student (I know...i am very lucky and am thankful for it), in Pittsburgh ,PA. I already have full medical insurance coverage.
What should I be looking at in terms of :-
Tort option
Bodily Injury and Property Damage
Uninsured Motorist Stacked/Unstacked
Underinsured Motorist Stacked/Unstacked
Accidental Death
Funeral Benefits
Income Loss
Medical Expenses
Comprehensive
Comp may be required. Why?
Collision
Coll may be required. Why?
Rental
Roadside Assistance
Limited Loan/Lease Payoff
(from Progressive website)
Thanks a lot!!
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Quote: Comprehensive
Comp may be required. Why?
Collision
Coll may be required. Why?
Rental
Roadside Assistance
Limited Loan/Lease Payoff
(from Progressive website)
Thanks a lot!! | Why comprehensive? What if your car is stolen? Someone break your window to steal changes (it happens in my friend in my University life), someone jealous about your bimmer or you drive too aggressive that someone recognized your licence plate and "mark" your car...
Why collision? What if you hit a extoic car?
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woops...those why's were straight of Progressive's website...hehe....but thanks for clueing me in.....could you recommend how much deductible I should be looking at?? I was thinking $100 but dun't know
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Quote: | woops...those why's were straight of Progressive's website...hehe....but thanks for clueing me in.....could you recommend how much deductible I should be looking at?? I was thinking $100 but dun't know | I am not sure you can get a deductible that low, and if you did the premium would be insane...500 bucks is reasonable (and if god forbid you get something damaged, easily suprassed.
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Quote: | I am not sure you can get a deductible that low, and if you did the premium would be insane...500 bucks is reasonable (and if god forbid you get something damaged, easily suprassed. | I have $500 deductible with GEICO. The lowest the deductible, the highest the premium for your insurance.
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*If you have medical insurance, you may want to consider waiving UM and UIM.
*I am leasing my car, and BMW FS requires 100/300 for BI...even if you are not leasing, you shouldn't be cheap in this area.
*50-100k for property damage SHOULD be okay.
*Roadside assistance is a rip off.
*If you know a repair shop that gives free loaners, decline rental insurance. Otherwise go with it.
*I have 250 for comp. and 500 for coll. Although it would be cheaper to go higher than 500, I wouldn't suggest it. If you are leasing of financing, your creditor will normally have minimum requirements.
*Every state had slightly different insurance laws, so familiarize yourself with them.
*In my opinion, GEICO sucks. Ever time how long it takes to get through to sales or customer service?
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