Recommend Auto Insurance?

Major · 08-02-2017, 08:19 AM

If you qualify, I think USAA has proven to be the most reasonable insurance around. I have been a member for 30 years, and found them to be great. Tremendous service, including paying on claims. Good luck!

shifthappens · 08-02-2017, 08:22 AM

Quote:

Originally Posted by Major

If you qualify, I think USAA has proven to be the most reasonable insurance around. I have been a member for 30 years, and found them to be great. Tremendous service, including paying on claims. Good luck!

I've tried to qualify before but I was told that although I served 4 years in the USAF that I didn't make the cut. I'll try again. Thanks.

Doobs41378 · 08-02-2017, 09:36 AM

Quote:

Originally Posted by shifthappens

I've tried to qualify before but I was told that although I served 4 years in the USAF that I didn't make the cut. I'll try again. Thanks.

If that doesn't qualify, who would???

Seaplane Pilot · 08-02-2017, 10:10 AM

Quote:

Originally Posted by Doobs41378

If that doesn't qualify, who would???

I'm sure illegal aliens and members of Congress would qualify.

elbie · 08-02-2017, 10:43 AM

Quote:

Originally Posted by Seaplane Pilot

I'm sure illegal aliens and members of Congress would qualify.

You got that right!

shifthappens · 08-02-2017, 01:42 PM

Thanks everyone for the suggestions. I'm following up on most of them and hope to find a better rate.

Doobs41378 · 08-02-2017, 01:50 PM

Quote:

Originally Posted by shifthappens

Thanks everyone for the suggestions. I'm following up on most of them and hope to find a better rate.

Do not just buy on price though. Make sure the liability is good and the deductibles are within your means. Make sure you have rental coverage if you do not have another way to get around if your car is being repaired for a covered loss.

shifthappens · 08-02-2017, 01:56 PM

Quote:

Originally Posted by Doobs41378

Do not just buy on price though. Make sure the liability is good and the deductibles are within your means. Make sure you have rental coverage if you do not have another way to get around if your car is being repaired for a covered loss.

I am doing a price comparison with what I have with my current insurance and all is covered including car rental and roadside. One of the problems I'm having so far is that even though my son is not driving my car, the fact that he is here in my household several quotes insist he has to be on the policy because he has a drivers license (out of state). That jacks up the rate big time. If I hadn't told the agent that he was here there would be a much better rate that is comparable or less than what I have.

upthesaukee · 08-02-2017, 02:55 PM

Quote:

Originally Posted by shifthappens

I am doing a price comparison with what I have with my current insurance and all is covered including car rental and roadside. One of the problems I'm having so far is that even though my son is not driving my car, the fact that he is here in my household several quotes insist he has to be on the policy because he has a drivers license (out of state). That jacks up the rate big time. If I hadn't told the agent that he was here there would be a much better rate that is comparable or less than what I have.

Does your son have his own vehicle with his own insurance? If the answer is yes, you only have to provide your carrier with his insurance policy number (and maybe a copy of his policy or insurance card). If he doesn't have his own policy or if he is not listed as the principal operator on another policy, he will be required to be listed on your policy because hee is a member of the household. It is, unfortunately, the case with virtually any insurance policy / company, and you can expect it to be on the highest rated policy. And it doesn't matter if his driver's license is from out of state.

Dave

Sent from my SM-T580 using Winnipesaukee Forum mobile app

Doobs41378 · 08-02-2017, 03:34 PM

Quote:

Originally Posted by upthesaukee

Does your son have his own vehicle with his own insurance? If the answer is yes, you only have to provide your carrier with his insurance policy number (and maybe a copy of his policy or insurance card). If he doesn't have his own policy or if he is not listed as the principal operator on another policy, he will be required to be listed on your policy because hee is a member of the household. It is, unfortunately, the case with virtually any insurance policy / company, and you can expect it to be on the highest rated policy. And it doesn't matter if his driver's license is from out of state.

Dave

This is correct info. How old is your son?

shifthappens · 08-02-2017, 06:26 PM

Quote:

Originally Posted by Doobs41378

Quote:

Originally Posted by upthesaukee

Does your son have his own vehicle with his own insurance? If the answer is yes, you only have to provide your carrier with his insurance policy number (and maybe a copy of his policy or insurance card). If he doesn't have his own policy or if he is not listed as the principal operator on another policy, he will be required to be listed on your policy because hee is a member of the household. It is, unfortunately, the case with virtually any insurance policy / company, and you can expect it to be on the highest rated policy. And it doesn't matter if his driver's license is from out of state.

Dave

This is correct info. How old is your son?

He is 18..

Doobs41378 · 08-02-2017, 06:29 PM

Yeah then he would still be an occasional youthful operator on your vehicle if he does not have one of his own. Keep in mind, here in NH you must carry uninsured motorist coverage as insurance is not the law. Did you have that on your policy in CA?

shifthappens · 08-02-2017, 06:38 PM

Quote:

Originally Posted by Doobs41378

Yeah then he would still be an occasional youthful operator on your vehicle if he does not have one of his own. Keep in mind, here in NH you must carry uninsured motorist coverage as insurance is not the law. Did you have that on your policy in CA?

Yes. I'm going to let my current insurance run out in February and then sign on with USAA as a few suggested. By then I can get a great rate and more coverage that Ameriprise and my son will be off to college.

Whimsey · 08-02-2017, 09:39 AM

I've saved money with Amica. It's a mutual company and I typically get back a dividend of more than 10% of my annual premium.

08-02-2017, 08:19 AM	#1
Major Senior Member Join Date: May 2013 Location: Laconia Posts: 1,087 Thanks: 446 Thanked 1,021 Times in 427 Posts	Usaa If you qualify, I think USAA has proven to be the most reasonable insurance around. I have been a member for 30 years, and found them to be great. Tremendous service, including paying on claims. Good luck!

08-02-2017, 09:39 AM	#14
Whimsey Senior Member Join Date: Aug 2007 Location: Rum Point/West Alton Posts: 196 Thanks: 261 Thanked 37 Times in 24 Posts	Amica I've saved money with Amica. It's a mutual company and I typically get back a dividend of more than 10% of my annual premium.

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08-02-2017, 01:42 PM	#6
shifthappens Senior Member Join Date: May 2016 Location: Usa Posts: 101 Thanks: 16 Thanked 8 Times in 5 Posts	Thanks everyone for the suggestions. I'm following up on most of them and hope to find a better rate.

08-02-2017, 06:29 PM	#12
Doobs41378 Senior Member Join Date: Jul 2016 Posts: 510 Thanks: 234 Thanked 88 Times in 73 Posts	Yeah then he would still be an occasional youthful operator on your vehicle if he does not have one of his own. Keep in mind, here in NH you must carry uninsured motorist coverage as insurance is not the law. Did you have that on your policy in CA?