Need Car insurance IN NJ... HELP..
08-08-2001, 08:18 PM
#1
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Need Car insurance IN NJ... HELP..
My car was hit while parked at work pretty bad.. $2,000.00 Damage, any suggestions in NJ.
My moms is kicking me off cuz all I had was BAD luck..
IM 21 in bergen NJ 0 licence points and got in one accedent.
You think I can get full coverage for under
$3,000.00..
HELP or gonna have to sell the CLs
My moms is kicking me off cuz all I had was BAD luck..
IM 21 in bergen NJ 0 licence points and got in one accedent.
You think I can get full coverage for under
$3,000.00..
HELP or gonna have to sell the CLs
08-08-2001, 09:04 PM
#2
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I don't think so...I'm from NJ too, and I'm gonna turn 23 this year. I wanna get a CL-S soon so I called companies for insurance quotes and the lowest so far was $5000 
!! They said it was because I am under 25, and therefore, I'm considered a "YOUTHFUL DRIVER!" I have no points, no accidents, and only 2 parking tickets. It doesn't help that I'm from Jersey City (the new stolen car capital)
!! They said it was because I am under 25, and therefore, I'm considered a "YOUTHFUL DRIVER!" I have no points, no accidents, and only 2 parking tickets. It doesn't help that I'm from Jersey City (the new stolen car capital)
08-08-2001, 11:25 PM
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Racer
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You guys need to go to Liberty Mutual. I'm 23, and my insurance is $1900 per year, fully covered with a $250 deductible. Last year when I had my 2001 Maxima SE, my insurance was only $1600. Give them a call, I guarantee they have the best rates in NJ. Good Luck!!
08-09-2001, 12:23 AM
#6
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Originally posted by Shawn S:
<STRONG>Hey “Stoned” my Polish buddy, is there any original paint still on your ride ?
That’s like the third “incident”, isn’t it ???
Shawn S</STRONG>
<STRONG>Hey “Stoned” my Polish buddy, is there any original paint still on your ride ?
That’s like the third “incident”, isn’t it ???
Shawn S</STRONG>
SHawn funny how i was just talkin bout it..LOL.. Only the hood and back bumber and trung got original paint.
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08-09-2001, 09:18 AM
#8
Instructor
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im 23 in ny i just got a quote for 5k from tri-state consumer. its www.800joinnow.com
thats pretty cheap considering progressive wanted 12k and geico wanted 14
thats pretty cheap considering progressive wanted 12k and geico wanted 14
08-09-2001, 10:03 AM
#9
Suzuka Master
Originally posted by CLS16:
<STRONG>You guys need to go to Liberty Mutual. I'm 23, and my insurance is $1900 per year, fully covered with a $250 deductible. Last year when I had my 2001 Maxima SE, my insurance was only $1600. Give them a call, I guarantee they have the best rates in NJ. Good Luck!!</STRONG>
<STRONG>You guys need to go to Liberty Mutual. I'm 23, and my insurance is $1900 per year, fully covered with a $250 deductible. Last year when I had my 2001 Maxima SE, my insurance was only $1600. Give them a call, I guarantee they have the best rates in NJ. Good Luck!!</STRONG>
08-09-2001, 10:28 AM
#10
Racer
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Originally posted by russianDude:
<STRONG>
No shit??? I am in liberty mutual and pay $2200 with $1000 deductable and I am 24! How many years do you have your license ???</STRONG>
<STRONG>
No shit??? I am in liberty mutual and pay $2200 with $1000 deductable and I am 24! How many years do you have your license ???</STRONG>
08-09-2001, 01:47 PM
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Everyone is right ... I WAS with State Farm, but I've been with Liberty Mutual for a few years now!
With leases (which I have), you are required to have FULL coverage and the highest limits -- I ALSO have the 'no threshold' option, which means you can SUE for just about anything -- and I pay around $1750 a year for my CL ... My old 98 Accord was like $1600 a year (full coverage) before I got the Acura ...
Oh, I'm 29 and single ... it would have been even LESS if I didn't go with the full threshold option -- most people DON'T get that anyway -- but I wanted it !
It's kinda like the difference that other states use of "Limited Tort" and "Full Tort" ...
[ 08-09-2001: Message edited by: dez ]
With leases (which I have), you are required to have FULL coverage and the highest limits -- I ALSO have the 'no threshold' option, which means you can SUE for just about anything -- and I pay around $1750 a year for my CL ... My old 98 Accord was like $1600 a year (full coverage) before I got the Acura ...
Oh, I'm 29 and single ... it would have been even LESS if I didn't go with the full threshold option -- most people DON'T get that anyway -- but I wanted it !
It's kinda like the difference that other states use of "Limited Tort" and "Full Tort" ...
[ 08-09-2001: Message edited by: dez ]
08-09-2001, 02:12 PM
#13
Suzuka Master
Originally posted by CLS16:
<STRONG>
I've had my liscence for 6 years. I've only been insured under them for 2 years, cause before that I was under my parents insurance. They have so many discounts, just call them up and ask them what they are. For example if you work for a certain company like Merrill Lynch, you get a 10% discount, or if your GPA was over a 3.0 you get like a 15% discount...etc. Give them a call, see what they say.</STRONG>
<STRONG>
I've had my liscence for 6 years. I've only been insured under them for 2 years, cause before that I was under my parents insurance. They have so many discounts, just call them up and ask them what they are. For example if you work for a certain company like Merrill Lynch, you get a 10% discount, or if your GPA was over a 3.0 you get like a 15% discount...etc. Give them a call, see what they say.</STRONG>
08-09-2001, 02:16 PM
#14
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Originally posted by russianDude:
<STRONG>
I think this is the problem, I've only had my licence for like 4 years. The longer you have your license the more discount you get, also I finished school, so I can't qualify for student discount. I was getting it while I was in school.</STRONG>
<STRONG>
I think this is the problem, I've only had my licence for like 4 years. The longer you have your license the more discount you get, also I finished school, so I can't qualify for student discount. I was getting it while I was in school.</STRONG>
Are you a member of AAA, if you are I think that's like a 15% discount too. It doesn't hurt to call and get an estimate.
08-09-2001, 02:45 PM
#15
Silver Surfer CLS
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God everyone is getting robbed. I have Allstate and I pay $1290 a year in NJ. I am 23 with no points. I thought that was high but now I feel great!!!! On a CL type S by the way
08-09-2001, 03:01 PM
#16
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Originally posted by mblock66:
<STRONG>God everyone is getting robbed. I have Allstate and I pay $1290 a year in NJ. I am 23 with no points. I thought that was high but now I feel great!!!! On a CL type S by the way</STRONG>
<STRONG>God everyone is getting robbed. I have Allstate and I pay $1290 a year in NJ. I am 23 with no points. I thought that was high but now I feel great!!!! On a CL type S by the way</STRONG>
Now I'm really confused of what the reasons would be for such a big variation in qoutes.
[ 08-09-2001: Message edited by: CLS16 ]
08-09-2001, 03:16 PM
#17
Suzuka Master
Originally posted by CLS16:
<STRONG>
Hey, I finished college over a year ago, and I'm still getting the discount...maybe by mistake Are you a member of AAA, if you are I think that's like a 15% discount too. It doesn't hurt to call and get an estimate.</STRONG>
<STRONG>
Hey, I finished college over a year ago, and I'm still getting the discount...maybe by mistake
Are you a member of AAA, if you are I think that's like a 15% discount too. It doesn't hurt to call and get an estimate.</STRONG>
08-09-2001, 03:19 PM
#18
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Originally posted by russianDude:
<STRONG>
Dude, I am in liberty mutual, and pay $2200 for my car with $1000 deductable, which is a high deductable, I want to make it $500. I am 24 years old</STRONG>
<STRONG>
Dude, I am in liberty mutual, and pay $2200 for my car with $1000 deductable, which is a high deductable, I want to make it $500. I am 24 years old</STRONG>
[ 08-09-2001: Message edited by: CLS16 ]
08-09-2001, 03:33 PM
#19
Suzuka Master
Holly shit, I just called Allstate just to check on their prices, they quoted me for $2800 for 1 year with $1000 deductable. So I am staying with Liberty Mutual even though they charge me $2200 for the same deal.
Shit, I am 24, had my licences for 4 years, no point. Its rediculuous, and the guy also told me that I will not see noticable difference once I turn 25. WTF ???
NJ sux big time, its completly monopolized with insurances.
Shit, I am 24, had my licences for 4 years, no point. Its rediculuous, and the guy also told me that I will not see noticable difference once I turn 25. WTF ???
NJ sux big time, its completly monopolized with insurances.
08-09-2001, 04:10 PM
#20
Silver Surfer CLS
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That is really wierd. I pay 1290 a year with a 500 deductible with allstate and I just got on my own policy 6 months ago. In fact I just renewed it 3 days ago. I don't know why you are all getting such high quotes
08-10-2001, 12:28 AM
#22
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Originally posted by gilfiger:
<STRONG>Why is everyone's insurance SO LOW?? $1290...?? $1900...?? This is car insurance under your name right? not your parent's name??</STRONG>
<STRONG>Why is everyone's insurance SO LOW?? $1290...?? $1900...?? This is car insurance under your name right? not your parent's name??</STRONG>
08-10-2001, 12:43 AM
#23
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CL16, that sounds way too low. Where in NJ do you live? I have to believe that is the reason for your low rate. Also, what is your coverage? Did you go with the state minimum? Are you married? There has to be something that you are not telling us.
PS - I get a discount with Liberty Mutual for having a Fleet credit card. I think I still have the telephone# and code you have to use for the discount somewhere. One more thing, if you ever need customer service from Liberty Mutual, use the 1-800 internet call center number listed on their web site. They are open late hours and Saturday, too. I have nothing but positive things to say about them.
PS - I get a discount with Liberty Mutual for having a Fleet credit card. I think I still have the telephone# and code you have to use for the discount somewhere. One more thing, if you ever need customer service from Liberty Mutual, use the 1-800 internet call center number listed on their web site. They are open late hours and Saturday, too. I have nothing but positive things to say about them.
08-10-2001, 12:46 AM
#24
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Sorry to take pleasure in all your pain, but I thought I would rub it in a bit.
34 Married, TWO cars, TWO drivers, full coverage, 200-collision, 100-comprehensive.
Drum roll please……….1,100 a year.
Read it and weep you young unmarried punks.
Shawn S
34 Married, TWO cars, TWO drivers, full coverage, 200-collision, 100-comprehensive.
Drum roll please……….1,100 a year.
Read it and weep you young unmarried punks.
Shawn S
08-10-2001, 08:04 AM
#26
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Originally posted by CLS16:
<STRONG>
I've had my liscence for 6 years. I've only been insured under them for 2 years, cause before that I was under my parents insurance. They have so many discounts, just call them up and ask them what they are. For example if you work for a certain company like Merrill Lynch, you get a 10% discount, or if your GPA was over a 3.0 you get like a 15% discount...etc. Give them a call, see what they say.</STRONG>
<STRONG>
I've had my liscence for 6 years. I've only been insured under them for 2 years, cause before that I was under my parents insurance. They have so many discounts, just call them up and ask them what they are. For example if you work for a certain company like Merrill Lynch, you get a 10% discount, or if your GPA was over a 3.0 you get like a 15% discount...etc. Give them a call, see what they say.</STRONG>
08-10-2001, 11:03 AM
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Originally posted by rgraser:
<STRONG>
I also have a pretty good rate with Liberty Mutual (10% alumni discount from RU). The only problem I have had is that their customer service kind of sucks...but $1300/yr is better than almost $2000/yr so sometimes you gotta make sacrafices...</STRONG>
<STRONG>
I also have a pretty good rate with Liberty Mutual (10% alumni discount from RU). The only problem I have had is that their customer service kind of sucks...but $1300/yr is better than almost $2000/yr so sometimes you gotta make sacrafices...</STRONG>
08-10-2001, 11:05 AM
#28
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I am 23 and single living in Somerset county right by the Rutgers University area. In a town called Warren. Believe me I should be getting NO breaks by living in this area!!!! And this is im my name with Full coverage. $1290
08-10-2001, 01:33 PM
#29
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WOW...I still can't believe it!! $1290!! I'll take anything under $3000. How much more will mine be considering I live in Jersey City? I gave Liberty Mutual a call yesterday and the guy said the process for a quote takes 30 days !! They're gonna send a form to me in the mail.
!! They're gonna send a form to me in the mail.
08-10-2001, 02:53 PM
#30
Racer
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Originally posted by gilfiger:
<STRONG>WOW...I still can't believe it!! $1290!! I'll take anything under $3000. How much more will mine be considering I live in Jersey City? I gave Liberty Mutual a call yesterday and the guy said the process for a quote takes 30 days !! They're gonna send a form to me in the mail.</STRONG>
<STRONG>WOW...I still can't believe it!! $1290!! I'll take anything under $3000. How much more will mine be considering I live in Jersey City? I gave Liberty Mutual a call yesterday and the guy said the process for a quote takes 30 days
!! They're gonna send a form to me in the mail.</STRONG>
08-13-2001, 10:40 AM
#32
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Originally posted by gilfiger:
<STRONG>CLS16, mblock66, rgraser: what discounts did u get from Liberty Mutual?
</STRONG>
<STRONG>CLS16, mblock66, rgraser: what discounts did u get from Liberty Mutual?
</STRONG>
08-13-2001, 11:19 AM
#33
Burning Brakes
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Originally posted by mblock66:
<STRONG>I am 23 and single living in Somerset county right by the Rutgers University area. In a town called Warren. Believe me I should be getting NO breaks by living in this area!!!! And this is im my name with Full coverage. $1290</STRONG>
<STRONG>I am 23 and single living in Somerset county right by the Rutgers University area. In a town called Warren. Believe me I should be getting NO breaks by living in this area!!!! And this is im my name with Full coverage. $1290</STRONG>
As for myself I've got my own car and my wifes (2000 Mazda 626) along with 3 points for my wife turning against a redlight. My insurance is First Trenton and I'm paying about $850/6months. $500 deductible. (Those who think having a high deductible is wrong it's a good way to keep your premiums lower, providing
you are not prone to lots of tiny accidents. I'll be raising mine to $1000 soon which will decrease my deductible by some. The most terrifying part is that my kid plans on getting his permit in about 4 months. Even though he will not own a car yet by then my insurance (my agent warned me) premium will skyrocket by another $2000/6months.
StonedCL
Let us know how it turns out. Although with you unfortunate driving history you'd better score the lottery. On the bright side you do not own a 12cyl car. Imagine the insurance nut on that?
08-13-2001, 11:20 AM
#34
Suzuka Master
Originally posted by CLS16:
<STRONG>
From what I remember, I've got the 3.0GPA discount, member of AAA discount, working at Merrill Lynch discount(even though I don't work there anymore)...I'd have to look at my contract to see what else there is. Make sure they have all your safety equipment marked down, cause they didn't have my alarm check off on my contract. I'll get back to you with the rest of the discounts.</STRONG>
<STRONG>
From what I remember, I've got the 3.0GPA discount, member of AAA discount, working at Merrill Lynch discount(even though I don't work there anymore)...I'd have to look at my contract to see what else there is. Make sure they have all your safety equipment marked down, cause they didn't have my alarm check off on my contract. I'll get back to you with the rest of the discounts.</STRONG>
also, things like property damage, some people have state minumum of $10K , and some have $100K.
08-13-2001, 01:54 PM
#36
Racer
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Originally posted by Mercury:
<STRONG>What the hell is this Merrill break??? I work there...where do I get this info???</STRONG>
<STRONG>What the hell is this Merrill break??? I work there...where do I get this info???</STRONG>
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