O Fallon, MO
|reply to Bob4 |
Re: Pot Hole Help in NJ
That's insane. I could see having a $1,000 deductible on liability or collision to save money, or if you had a poor driving record - but not on comprehensive coverage.
I know people who have had several claims on their comprehensive and their deductible is still only $250.
If someone refers to herself / himself as a "guru", they probably aren't.
actions · 2012-Oct-2 12:32 pm · (locked)
You can choose whatever deductible you want. Auto insurance is very expensive in NJ. I think we're the highest in the nation. I pay $2000 per year for two cars, and that's with a $2,500 medical deductible. Higher deductibles lower premiums. This is not rocket science.
actions · 2012-Oct-2 12:50 pm · (locked)
Yea but it makes no sense to have a 1000.00 deductible on comprehensive. Collision it does. I really think the op is mixing up the two. We wont know unless the OP comes back. Just for shits and grins i went online to see how much i could save by upping mine from 250 to 1000.00. It was 2 dollars a year
actions · 2012-Oct-2 1:03 pm · (locked)
|reply to Bob4 |
You are NOT the highest in the nation. Im from the suburbs of Philadelphia. Hell i know a lot of people that register their cars in New Jersey and insure their vehicle as such just because you ARE A LOT CHEAPER THAN US> You aint even close to philadelphia and new york in what you pay. 2000 a year for two cars isnt shit compared to us. No infractions and liability only on my ranger (commercial is 1800 a year). Wifes car full coverage is like 1478 a year with zero points on record and we are both over 50. So we are paying over 3200 a year with full coverage on one and minimum on one.
actions · 2012-Oct-2 1:13 pm · (locked)
dennismurphyPut me on hold? I'll put YOU on holdPremiumReviews:
It also depends on where in NJ you are.
When I lived in Hudson County, I paid almost $4k a year for one car, one driver (I was under 25) with no accidents.
When I moved to Morris County, it dropped in half. When I got married (was still under 25), it dropped in half again.
Now I pay $950/yr for my wife's SUV with full coverage, very high limits and low deductible. (My car is a company vehicle so they pay insurance for it ...)
actions · 2012-Oct-2 5:28 pm · (locked)