Retiree Auto Insurance and Coverage?

[Norwayguy]

Can you please tell me which are the better direct selling auto insurance companies for Northern California? Thank you.

I don't get it. You want to go direct because you don't want to talk to an insurance agent? So you go on an internet forum and ask insurance agents for the best company to short circuit themselves.

 

[Josh]

I don't get it. You want to go direct because you don't want to talk to an insurance agent? So you go on an internet forum and ask insurance agents for the best company to short circuit themselves.

It sounds like you get it to me.

 

[shepnerd]

Can you please tell me which are the better direct selling auto insurance companies for Northern California? Thank you.

Sure. Call Geico. Those guys that spend money on advertising instead of agents are much better for the consumer, I mean, who needs an independent agent who can shop several companies when the companies who are on the hook for paying your claims are available direct.

And disregard the earlier posts, those greedy insurance agents weren't really trying to help you protect yourself and offer expert advice for free, they just wanted you to spend more money. Good news, though- The state minimums in California are only 15/30/5. Jut call at least 3-4 companies direct and just pick the cheapest one.

Just do me a favor, enjoy your retirement in California- many, many miles away from my car.

 

[AgentProvocateur]

Can you please tell me which are the better direct selling auto insurance companies for Northern California? Thank you.

Wawanesa, or USAA (you need to be in the military, or be a veteran with an honorable discharge to qualify for USAA), sell direct, and topped this year's JD Power California region auto insurance customer satisfaction study.

Don't think companies selling direct are cheaper because they don't pay an agent commission. A commission is only one of many marketing expenses, and companies selling direct may have higher employee costs and pay for more advertising.

The only way to find the best price for you is to shop the market, having each company quote you the same amount & type of coverage, including independent agents, agents selling for one company, like State Farm, and companies selling direct.

With the exception of Progressive, most companies selling direct & through agents, sell the same product at the same price.

Pardon the self-promotion, but if you want to educate yourself about my opinions about coverage and how to shop, check out my website.

You seem to care about getting good service, as well as a good price. Having a good agent, as opposed to buying direct, helps you a great deal, if you have a problem with your insurance company. A good agent may also have the best price for you.

 

[young707]

In protect my asset in liability cases, does your own home which you live in count?

Other liquid asset are easy to move quickly. Only your own home like most real estate is difficult to liquidate fast.

 

[Josh]

In protect my asset in liability cases, does your own home which you live in count?

Other liquid asset are easy to move quickly. Only your own home like most real estate is difficult to liquidate fast.

They'll even go after future earnings. If you really hurt someone, don't you think they should be able to get compensated for medical payments and lost income?

 

[TFrances]

I would focus on a mileage based insurance company since you don't drive much. This should help make your insurance cost more variable as opposed to fixed based on driving activity. I'd check with Progressive, GMAC or a provider in the state you live in.

 

[young707]

what future earning? I am retired. I only get social security.

 

[nyc2phi]

What you will hear a lot from agents is that you don't have to be a millionaire to be sued for a million dollars. It is important to have proper coverage, minium I would suggest is 100/300/100 as mentioned by others.

Liability is not the most expensive part of the policy, if you have older cars maybe look at increasing you comp and collision deductible to lower the rate

Social security is one part of your income as well as retirement accounts and other assest such as your home that could be at risk in a serious accident.

Don't cut corners when it comes to insurance, reach out to an agent in your area and shop around.

 

[Josh]

what future earning? I am retired. I only get social security.

Sounds like a future income to me. Not to mention that if you move assets to intentionally avoid giving folks what they're rightfully owed there is nothing to stop them from looking where you put them or taking further legal action in any form to recover a judgement.

At this point you're getting a bit ridiculous. If you're going to intentionally try to hide assets from someone you've injured in an attempt to deprive them of what they're rightfully owed that speaks volumes about the type of individual you are, that's ignoring the small difference in premium between the higher liability coverage limits.