Car Insurance

Victor · #1 03-09-2010, 07:13 AM

Never realized until this morning that I didn`t have car rental insurance or

roadside assistance until I read the policy. Called the insurance company this

morning and they added the rental insurance at $40.00 a day for 30 days for

$28.00 every 6 months no deductible. The roadside is $3.00 for 6 months no

deductible. Just curious if anyone reads there car insurance policy to find out

what you have and what you don`t have. Talking to this lady, she said

insurance companies are like a buffet. You choose what you want in the

policy and what you don`t want in the policy.

Keith · #2 03-09-2010, 07:21 AM

make sure you get glass coverage !!

It's less than $50 for 6 months, and provides full glass coverage without a deductible. First time you have to replace a windshield (those rocks skipping up from the road cause chips which inevitably turn into a crack), you'll appreciate it.

Big Pimpin · #3 03-09-2010, 07:22 AM

you insurance(at least mine does) always covers a rental if i need one....and how often do u rent a car to justify even paying for it?

Big Pimpin · #4 03-09-2010, 07:24 AM

Keith....how often have you replaced your windshield? Is it worth $100 a year to cover it...Ive been driving 20+ years and replaced 1 so imo that cost is hardly worth it

ZoomVT · #5 03-09-2010, 07:53 AM

Quote:

Originally Posted by Keith

make sure you get glass coverage !!

It's less than $50 for 6 months, and provides full glass coverage without a deductible. First time you have to replace a windshield (those rocks skipping up from the road cause chips which inevitably turn into a crack), you'll appreciate it.

not all companies offer this. I have had 3 different insurance companies; and all considered glass part of comprehensive. which sucks big time; since i have a high deductible, and have replaced my glass 4 times in the last 7 years.

Quote:

Originally Posted by Big Pimpin

Keith....how often have you replaced your windshield? Is it worth $100 a year to cover it...Ive been driving 20+ years and replaced 1 so imo that cost is hardly worth it

you are lucky. I have replaced 4 in 7 years, and 3 in the last 3 years. Im not talking about replacing just because of a chip but just large cracks. as a matter of fact, i have to replace my windshield again this week.
oh and my windshield costs about 1500 including labor; so if i had the choice to pay for glass coverage i would gladly pay it.

Keith · #6 03-09-2010, 08:01 AM

Quote:

Originally Posted by Big Pimpin

Keith....how often have you replaced your windshield? Is it worth $100 a year to cover it...Ive been driving 20+ years and replaced 1 so imo that cost is hardly worth it

funny you should say that. I am driving almost 30 years. Never had glass coverage. Had to replace the windshield on my Infiniti M45X (with rain sensor, lane departure warning, etc...) and it cost me $1,250. I then got the coverage. And then 3 months later, got another chip which turned into a crack. So, I've replaced 2 windshields in the last 9 months.

Keith · #7 03-09-2010, 08:02 AM

Quote:

Originally Posted by ZoomVT

not all companies offer this. I have had 3 different insurance companies; and all considered glass part of comprehensive. which sucks big time; since i have a high deductible, and have replaced my glass 4 times in the last 7 years.

you are lucky. I have replaced 4 in 7 years, and 3 in the last 3 years. Im not talking about replacing just because of a chip but just large cracks. as a matter of fact, i have to replace my windshield again this week.
oh and my windshield costs about 1500 including labor; so if i had the choice to pay for glass coverage i would gladly pay it.

Wow Zoom--do you only drive on dirt roads ??? LOL

ZoomVT · #8 03-09-2010, 08:05 AM

nah, but in the winter the roads are heavily salted and you get tons of chips. and usually a chip you missed turns into a crack really fast with potholes etc.

yeah my windshield comes with all the gadgets too so they are expensive to replace. i just recently changed the deductible for comprehensive, which raised my insurance an extra 250/yr.

Keith · #9 03-09-2010, 08:08 AM

Quote:

Originally Posted by ZoomVT

yeah my windshield comes with all the gadgets too so they are expensive to replace.

I know that story. It is less than $100/year for me to add full glass coverage. It already paid for itself....for the next decade !!

Windy City Irish · #10 03-09-2010, 08:27 AM

man, i havent had a car since 2002. this is all foreign to me

pwherr · #11 03-09-2010, 08:32 AM

Shit just liability for me.4 vehicles 3 of them trucks.A 20 and a 17 year old.Fuking arm and a leg as it is.Lucky I own them all.

Dr. Jack · #12 03-09-2010, 08:42 AM

Quote:

Originally Posted by pwherr

Shit just liability for me.4 vehicles 3 of them trucks.A 20 and a 17 year old.Fuking arm and a leg as it is.

exact position I am in now

pwherr · #13 03-09-2010, 08:50 AM

Quote:

Originally Posted by Dr. Jack

exact position I am in now

It's ridiculous with teen drivers.

grzftbl · #14 03-09-2010, 10:30 AM

Montana doesn't salt roads, they gravel 'em. Not sand, gravel.

An idea just came to me...I should open a glass shop.

Replaced many.

rjb1816 · #15 03-09-2010, 10:37 AM

i get the liability and then the roadside assistance wherever for like 3 bucks a month or whatever has already paid off when i blew out a tire on the freeway. took them 10 minutes to get there, changed it with a hydraulic jack and i was on my way

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