Auto Insurance & Road Service Question?

Hi there, Thank you in advance for helping out! I want to know your advice and recommendation on which company to receive my auto insurance/road service from, and what sort of coverage is recommended. I have been with AAA my whole life because my father advocates highly for them so I have trusted his judgment and experience. But I think they may be ripping me off. I am a 27 year old single female with a good driving record (last accident was back in spring 2005 I believe). Yet, every single year they seem to increase my monthly payment by ~$10 and now I'm paying $118.25/month! Are they that superior a company that it is worth paying this and should I try to negotiate with them, or is it worth looking into some other companies such as Geico, State Farm, Progressive, etc. Ive been receiving invites from them for years and Liberty Mutual supposedly has some college alumni offer for me and claim to be ~$340 cheaper than 21st Century, Allstate, and Mercurybut I never trust ads anymore. I only believe concrete statistical comparison data. Also, my dad said road service is completely separate from auto insurance (although AAA handles both) and I pay $52/year to be part of his joint plan as a AAA Plus Dues - Associate. He said he believes this covers 6 visits/year, 100 miles, is the most basic plan, and he only got it because hes been with AAA for 30 years. Could I get a better deal elsewhere or is this fair enough to stick with? At the end of the day, I want decent coverage for the best price available. Im saving for a down payment on a home and have to scrape pennies from anywhere I can, but still do not want to be stranded at the time of an accident. I got some quotes online that were considerably cheaper, but if Im going to be screwed, then are the savings worthwhile? ======================================... As needed, here are details on my car and policy (please tell me which are unnecessary or should be edited): - Honda 2008 Civic LX 4-door sedan - Miles commute USED to be 50 miles one way ~3 days a week, but now I work from home every single day; Notes in Policy say: Prior and Future Annual Mi: 8,000 (22mi per day, so I wonder if they even counted my prior commute in this). - Policy has me down as a student, not sure why, been a full-time professional since Jan 2008 and now make 65K - Bodily Injury: Liability Limits Each person 50K; Liability Limits Each Occurrence 100K; Premium: $193 - Medical Payments: No coverage - Uninsured Motorists: Liability Limits Each person 50K; Liability Limits Each Occurrence 100K; Premium: $78 - Property Damage: Liability Limits Each Occurrence 50K; Premium: $192 - Comprehensive: Actual Cash Value Less Deductible; 100 Deductible; Premium: $242 - Collision: Actual Cash Value Less Deductible; 100 Deductible; Premium: $650 - Enhanced Transportation Expense: Premium: $28 - All Risks: Actual Cash Value Less Deductible; No coverage - Total Premium Per Vehicle (1 vehicle): $1,383 - Auto Death Benefits: 15K/driver listed with ADB coverage above - DSR (Driving Safety Record): 1 Pt - YDE (Years Driving Experience): 12 started at 18, Im 27so the actual is 9, but Ill take it. - Discounts: None except Good Driver(s): Items 01 and 01 is my Honda, so I guess this means Im a good driver (dont know why the price doesnt reflect it!) - Live in Berkeley, CA (zip code 94708) but am listed as Lafayette, CA (94549) how do I check which zip is less money? Thanks so much for your advice!! =) I appreciate your time & insight.

BEST ANSWER: Try this site where you can compare quotes:INSUREQUOTE.INFO

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Hi all, I was hoping that I could get some guidance as to how I should proceed with this. Thank you in advance. The accident occurred 7 days ago in CA. I was driving home from work in the 4th lane of a 4 lane highway. There was a gap of approximately 4~5 cars in the 3rd lane, so I switched into that lane. By the time I finished the lane change, there was approximately 3~4 cars distance between me and the car behind me. I then drove for approximately a 100 yards, at which point the traffic suddenly slowed and I decelerated. The guy behind me, however, seems to have been looking elsewhere and rear ended me. However, before he collided, he managed to swerve his car and hit the corner of my rear bumper with the corner of his front bumper. We pulled over to the side of the road and exchanged information. It turns out that he does not have a driver's license (or any California/U.S. ID; he showed me a Mexican ID). He begged me not to call the police, admitted fault and said that he would settle it through his insurance (he is insured with a VERY shady place called Access General). I took pity on him, especially since it was very likely that he is an illegal immigrant, so I just took his information down and moved along. Fast forward a few days, and I find out that he has told his insurance that I cut in front of him and that he is not at fault. Since there are no witnesses or a police report, his insurance takes his side. Meanwhile, since I only have liability with Geico, they are saying that they can't help me. The damage to my car is between $4~5k, and that is not even taking into account devaluation of the car's value. I feel very cheated because I took pity on him and I am rewarded with a repair bill that nobody wants to deal with. I have called him multiple times and asked him to tell the truth, but he just ignores me. I am now very angry and want to do 2 things: 1. Get my car repaired. 2. Screw up his life. Hopefully get him deported (very strong liklihood of him being an illegal immigrant), or at the least bankrupt him. I took pity on him because he was in a time of need. All he had to do was tell the truth to his insurance, but he was afraid that his monthly bill would go up... so he lies and screws me instead. Do you have any recommendations for lawyers who would be willing to take on property damage lawsuits? What are my options?

Will named driver insurance cost a lot for me?

My sis has been driving for a number of years and is 25 and I haven't had any lessons and i'm 27. Would it cost a lot to put me on her insurance as a named driver so I can get some practice? As far as I know she's drove for around 5 years with no claims.

Average monthly Life Insurance Bill?

doing a project in Personal finance...could someone help me out?

How much does insurance cost for a gas station in NH?

If I was to open up a gas station in NH how much would the insurance cost per month or year? Assuming I had an average amount of coverage and was running it as an LLC.

Whats the cheapest car insurance?

I am a 23 year old male, with one wreck on my record from a few years back, I have a 2012 Mazda 3 what do you think would be the cheapest way to get car insurance? I currently have geico, with a 1000 deductible for basic comprehensive and collision, and I'm paying 175

Insurance rates for this car?

First car, v8 mustang

Are you looking for affordable health insurance?

Car insurance for a road-trip? HELP!?

My friends and I are going on a road trip for 5 weeks from San Francisco to New York and are thinking of buying a car for the duration that we're there. Obviously we'll need car insurance, however how would we go about it when we aren't American nationals and don't have an address there? We do have full British driving licences. ANY help would be much appreciated.

Which insurance companies will have to pay to fix my car? Mine or the other guy?

I had a car accident two days ago. I was hit by other one but police said that's a miner damage. And it seems to be my fault. No police report make. Today, I went to a body shop to estimate the repair. It's about around $2200-3000. It's a lot. kinda scared me actually. No idea should i call my insurance company to tell them or? That's my first time to have a car accident. My insurance has $200 deductible. Can anyone tell me what does that mean?

Quick insurance question?

Can i put my insurance under m uncles name that way insurance would be cheaper and i drive my car? is it possible hes 45, and i'm 18

Maternity Insurance?

I'm looking for health insurance that I can have for basic coverage, and at somepoint (if needed) add maternity coverage. Everything I have looked at so far will only cover ...show more

Is there some affordable health insurance plan in the U.S. that doesnt have a huge deductible?

What would restitution be when my insurance is paying medicals?

I was hit on my bike by a driver of a car, who has since gone through the criminal court system and restitution has been awarded to me. So far, my own insurance company has been paying for my medical bills. What is my demand for restitution? Is it just the amount that the insurance does not cover (co-pays, etc.) or everything? What if I don't know how much medical help I'll need in the future? Is a restitution award a solid number, or can it be an agreement for the driver to pay medicals into the future, as well? I believe restitution also includes time I have missed from work (lost wages), etc.; Does it also include non-economic damages like pain and suffering? I have a civil suit against the driver, and I am just unclear how restitution from the criminal case works with the damages that I am seeking in the civil suit. Any elucidation would help. Thanks! I know laws can vary; I'm in CO.

Got in a car wreck w/ no insurance, and was at fault.?

I don't work, and don't plan on working. I don't own a house or car that's in my name, and don't plan to. Everything will always be in my boyfriends name. How will the insurance company ever get money from me. Even if they sue me.

Full Coverage Insurance on 08 Camry?

I am about to lease my first car. I have heard that I need full coverage insurance, but am a little unsure about what this means. I have gotten quotes from several insurance companies, but I don't really understand the coverage limits that they have. A few companies have easy coverage selections (ex: a high, medium, or low degree of protection). Does full coverage mean that I would need the highest degree of protection?

Paying for car insurance I don' need while being oversees?

I plan an extended overseas travel this summer (lasting about 3-4 months). During this time, I will not be using my car in the U.S. I simply will lock it in a garage. I'd like to know how I can avoid paying for my car insurance (or lower my insurance bill) during this time. I understand that I can simply return my plates and drop the insurance before leaving but then upon my arrival back to the U.S. I will be with no insurance at all, and will need to get a new one (this will not happen instantly). Is there an option or insurance company that serves people who are away from the U.S. but who want to get covered when they return right away?

Car rental insurance in usa?!?!?

I'm going to L.A in october and renting a car for when i'm over there, but was wondering if any1 knows good car rental websites and does this include insurance or do i need to get this seperate? HELLP!!!!. Thanks Joanne

Insurance fronting ( making car insurance cheaper )?

If i'm not the owner of the vehicle ( my mum is ), yet im still insured on the policy as a named driver but im the main driver am i commiting insurance fronting. insurance fronting states that if you are the owner of the vehicle but only a named driver this is called insurance fronting, but im not the owner but a named driver does the same rules apply

Do I need to have insurance to take/have a drivers licence in North Carolina?

So I'm 18 and live in NC and I'm moving back to Europe next summer but before that I want to take my licence here because its way cheaper. Do I need to have insurance if I do NOT have a car I just want a licence for when I get back to Europe. Also, can I drive a car thats not mine if I dont have insurance.??

Auto Insurance & Road Service Question?

https://www.linkedin.com/pulse/simple-term-life-insurance-quotes-louis-parkinson/