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Home › Society › Economy › Banking, Insurance & Loans › Best cheap auto insurance?

Best cheap auto insurance?

Started by Sam Ruiz60 · · 👁 19 views · 276 replies

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Participants Sam Ruiz60granitejackal15Thomas Lewis95amberscout54neondriver5Nancy Baker14Jacob Kelly32Noah ThompsonAshley Bailey2Noah Cookbluemason3Joshua Barnes6Samuel Baker3silverviper44Patrick Moore3nimblecanyoncoppersailor14Sam Ramos85Thomas Miller4Laura Wilson8George Lewis9Ryan Carter52Arthur Cook2Frank Walker7 …
Paul Lee46 Paul Lee46 Newcomer
6 messages
joined Dec 2013
#61 ·
Thomas Lewis95 said:
Joe Asks:
It’s pretty much the same thing everywhere you go—since you have to pick one up anyway...🙂 Wondering how to pull together $100... maybe some side gigs or small wins...$67 If you're asking what I mean... well, let's just start from the beginning...😁

I suppose we should probably look closer at the specifications... if there's any clarity to be found there... says:
Does everyone charge the same for mandatory liability coverage—or are there actually some better deals out there...
As far as I know, the rates at Allstate and here in the USA are exactly the same...

I work for an insurance firm—offering some of the most competitive rates around...
Free passengers and those little discounts... they really do make a difference... $33..
So, the discount is roughly... $67.
Just so you know—if anyone happens to offer you a lower premium elsewhere, just bring me the documentation from that company and I’ll see if I can match it... $33 A few discounts around... maybe worth looking into...

Way to go, genius... why don't you just post a public confession that you're breaking the law? Under standard US insurance regulations, you aren't even allowed to offer a little discount on an AO policy—not even a free pen or some car air freshener...
Ryan Carter52 Ryan Carter52 Active Member
123 messages
joined Jan 2015
#62 ·
Paul Lee46 said:Way to go, genius... why don't you just post a public confession that you're breaking the law? Under standard US insurance regulations, you aren't even allowed to offer a little discount on an AO policy—not even a free pen or some car air freshener...

I guess accident coverage isn't officially part of the AO package, so they could probably toss that in for free if they really wanted to.
And since he's suggesting everyone else should follow suit, I suppose there's no reason why they shouldn't, right?

Ryan Carter52 said:Roadside assistance for $16 a year!!! Unlimited calls!!! Shoot me a DM for details

State Farm actually offers something pretty similar for $15.
You basically get roadside assistance and passenger accident protection in a 30,000 to 60,000 ratio.
Frank Walker7 Frank Walker7 Active Member
81 messages
joined Jul 2013
#63 ·
Ryan Carter52 said:I guess accident coverage isn't officially part of the AO package, so they could probably toss that in for free if they really wanted to.
And since he's suggesting everyone else should follow suit, I suppose there's no reason why they shouldn't, right?

State Farm actually offers something pretty similar for $15.
You basically get roadside assistance and passenger accident protection in a 30,000 to 60,000 ratio.

Could someone help me make sense of this? I'm honestly just curious about what kind of pitch they use when they're out there selling this stuff.
Richard Wright Richard Wright Active Member
102 messages
joined May 2010
#64 ·
Ryan Carter52 said:I guess accident coverage isn't officially part of the AO package, so they could probably toss that in for free if they really wanted to.
And since he's suggesting everyone else should follow suit, I suppose there's no reason why they shouldn't, right?

State Farm actually offers something pretty similar for $15.
You basically get roadside assistance and passenger accident protection in a 30,000 to 60,000 ratio.

That’s exactly why this country stays stuck in the mud.
As long as these kinds of practices remain the norm, and clients actually expect them, we aren't making any progress whatsoever. 🙂

(Or was that just you being cynical? I really hope so...)
Paul Lee46 Paul Lee46 Newcomer
6 messages
joined Dec 2013
#65 ·
DarkStar;45360601 said:Accident protection isn't officially part of the standard auto policy, so they can technically toss it in for free if they feel like it.
I mean, if that's the case, why wouldn't everyone else just follow suit and start giving it away too?

Look, that's just not how it works—accident protection is definitely an official part of the coverage... any kind of extra rider added to a standard auto policy has to be charged for; you aren't allowed to just gift it or even offer a discount on it. Of course, that doesn't apply to some of those shady independent shops out there, but as far as actual competition goes, I wish them the best of luck.😂
George Lewis9 George Lewis9 Active Member
66 messages
joined Mar 2018
#66 ·
Why is the government being so incredibly rigid about regulating the used car market? Aside from the fact that in North America, the only ones paying premium prices for a basic sedan are the Italians—and honestly, looking at how they drive, I can't say I blame them—they seem hell-bent on blocking any attempt at free-market pricing or actual discounts...

If you ask me, the state should focus its energy on fixing the massive issue with unregistered vehicles out there. It’s not like the data is hidden; you could pull those records in just a couple of clicks.
Richard Wright Richard Wright Active Member
102 messages
joined May 2010
#67 ·
George Lewis9 said:Why is the government being so incredibly rigid about regulating the used car market? Aside from the fact that in North America, the only ones paying premium prices for a basic sedan are the Italians—and honestly, looking at how they drive, I can't say I blame them—they seem hell-bent on blocking any attempt at free-market pricing or actual discounts...

If you ask me, the state should focus its energy on fixing the massive issue with unregistered vehicles out there. It’s not like the data is hidden; you could pull those records in just a couple of clicks.

That’s not entirely accurate. We’ve actually had the option to set more flexible pricing since 2008, but the insurance companies didn't bother trying to lower rates when they could just keep them high.

Now, following the momentum of joining the USA, we're seeing foreign firms move in, which will force our local players to adapt.
We're just waiting to see who blinks first. 😁
James Nelson8 James Nelson8 Active Member
63 messages
joined Mar 2011
#68 ·
Very few foreigners are actually going to show up for this, considering the American Medical Association requires a membership fee of roughly $270,000 just for vehicle insurance... When you factor in the overhead—renting office space, hiring staff, training, all those pesky fixed costs—it’s hardly a profitable move right out of the gate. And honestly, acquiring an existing insurance firm doesn't change much at all because those systems are already so deeply entrenched. Foreigners really have no clue what they're stepping into when they try to compete against the established players from the North America...

Comprehensive coverage has been deregulated for five years now, yet we haven't seen premiums drop significantly. Or rather, any decrease happened in tiny increments over that five-year span, so today, the difference compared to back then is only about 20%...

The insurance companies and the government simply have no incentive to lower those premiums, and that's just the plain truth.
Paul Lee46 Paul Lee46 Newcomer
6 messages
joined Dec 2013
#69 ·
Richard Wright said:That’s not entirely accurate. We’ve actually had the option to set more flexible pricing since 2008, but the insurance companies didn't bother trying to lower rates when they could just keep them high.

Now, following the momentum of joining the USA, we're seeing foreign firms move in, which will force our local players to adapt.
We're just waiting to see who blinks first. 😁

Look, it’s pretty much a fact that things opened up back in 2008, and honestly, only two major firms actually bothered to roll out new pricing structures. But then HANFA stepped in and sent everything back to the drawing board for "revisions," and we all know what that really means—they're just playing protector for the big corporate lobbies.
quiettinker16 quiettinker16 Newcomer
1 message
joined Jun 2013
#70 ·
It’s my first time getting comprehensive coverage for my car. I'm looking for some advice on choosing an insurance provider. What specific details should I be looking out for when comparing policies?
I'd appreciate any helpful tips you can share.
Paul Lee46 Paul Lee46 Newcomer
6 messages
joined Dec 2013
#71 ·
quiettinker16 said:It’s my first time getting comprehensive coverage for my car. I'm looking for some advice on choosing an insurance provider. What specific details should I be looking out for when comparing policies?
I'd appreciate any helpful tips you can share.

- Make sure you insure the car for its actual current market value. Some companies try to be sneaky by undervaluing the ride just to give you a cheaper premium, but once you actually get into an accident, they'll give you a massive headache when it comes time to pay up.
- Watch out for deductibles—unless you specifically want one to lower your monthly cost, try to avoid them if you can.
- Try to go with a big provider that has plenty of adjusters and repair shops right here in your neck of the woods. You don't want to be stuck driving all the way to some random city 62 miles just to get an estimate, or being forced into one specific mechanic if you want them to cover the full cost of the repairs.
Harold Mitchell4 Harold Mitchell4 Member
13 messages
joined Jun 2013
#72 ·
If anyone here happens to work within the insurance industry, please reach out via DM. It’s quite important... thanks.
restlessmoose3 restlessmoose3 Newcomer
2 messages
joined Jul 2013
#73 ·
Noah Cook said:Exactly. You'd never want to deal with a random budget carrier or a company like Fannie Mae when things go south.


I'm right there with you on this. I know firsthand because Euroherz is doing everything in its power to dodge paying out damages for the accident. My lawyer actually mentioned how they never had these issues back when dealing with Americans—they always just paid what was owed, simple as that.

P.S. This lawyer isn't some rookie either, he's been around the block for decades, probably in his 50s, so he knows what he's talking about...
restlessmoose3 restlessmoose3 Newcomer
2 messages
joined Jul 2013
#74 ·
Paul Lee46 said:Way to go, genius... why don't you just post a public confession that you're breaking the law? Under standard US insurance regulations, you aren't even allowed to offer a little discount on an AO policy—not even a free pen or some car air freshener...

And what about Euroherz? You know, the one the FBI flagged for basically looting the country.😳

Cheap insurance—comparing it to what we see here in America—doesn't mean much if it's illegal. Plus, you're asking for massive headaches if you actually hit someone or get hit by a car... then what?

That's all I've got to say.
Peace out and good luck to everyone!
🙂
Frank Garcia85 Frank Garcia85 Newcomer
4 messages
joined Jan 2013
#75 ·
What’s the deal with car insurance liberalization once we join the European Union?
Our local insurance companies won't budge on those mandatory auto policy prices. It makes me wonder... could I just insure my car in some other European Union country instead?
George Lewis9 George Lewis9 Active Member
66 messages
joined Mar 2018
#76 ·
restlessmoose3 said:And what about Euroherz? You know, the one the FBI flagged for basically looting the country.😳

Cheap insurance—comparing it to what we see here in America—doesn't mean much if it's illegal. Plus, you're asking for massive headaches if you actually hit someone or get hit by a car... then what?

That's all I've got to say.
Peace out and good luck to everyone!
🙂

He didn't steal from the state; he stole from himself—which, legally speaking, he isn't even allowed to do.🙂

But seriously, what's the deal with the liberalization? It's already July 8th.🙂
Olivia Murphy3 Olivia Murphy3 Newcomer
1 message
joined Jul 2013
#77 ·
Yes, I am also curious if it is possible to insure a car in another European Union country.
James Nelson8 James Nelson8 Active Member
63 messages
joined Mar 2011
#78 ·
No
wiredtrucker32 wiredtrucker32 Newcomer
1 message
joined Sep 2013
#79 ·
State Farm, auto insurance, 75-85HP, currently $567, with a 50% no-claims discount
I'm taking it!
James Rogers53 James Rogers53 Active Member
65 messages
joined Jul 2010
#80 ·
well, it’s about that much anyway 🤷

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