Progessive Auto Insurance

[TinyGiant]

Originally Posted by supmet

Insurance is a scam. I've cost insurance companies exactly 0 dollars over 7 years, and yet some 40 year old that has cost his insurance company 20 grand just in the last 3 years still gets lower rates then me. And then I see this crap about accident forgiveness from all these insurance companies. THERE'S a great idea. Lets discount the people who cost us the MOST money!

Lets do away with insurance, and maybe people will learn to drive....

You might as well just go with AIG since you've already paid a year's worth of insurance in tax money. They're giving discounts to taxpayers right?

In NH you only need insurance if there is a loan on the car.

i didnt have ins for a long time .. until we got the yaris.

I had couple cars in hs that had loans on them and the ins was almost as much as the car payments. its certainly a scam.. but wont feel like it if you need it. i've never needed it. therefore.. it feels like a scam.. and the deductibles make it so you dont want to claim anything too .. its dumb for sure

[Kal-El]

Originally Posted by TinyGiant

In NH you only need insurance if there is a loan on the car.

i didnt have ins for a long time .. until we got the yaris.

I had couple cars in hs that had loans on them and the ins was almost as much as the car payments. its certainly a scam.. but wont feel like it if you need it. i've never needed it. therefore.. it feels like a scam.. and the deductibles make it so you dont want to claim anything too .. its dumb for sure

I'm surprised NH still doesn't require it for all. It's not a question of covering the damage to your car, it's damage to other people's cars, property, or bodily injury to others. If you don't have insurance and hit someone, you are royally screwed. If you own a home and hurt someone, say goodbye to that home because you will be sued when they find that you have assets to claim.

[silver_echo]

that is one thing that i like about washington, is that it is required to have insurance at all times... if you get caught, $500 ticket...

[talnlnky]

Originally Posted by texkid

I have maybe 3 speeding tickets, 3 accidents (1 unreported), license was suspended back in 2005.

I have improved since then. My mother even said so herself!

I am fulltime student, work part time, married, and decent credit rating.

I am still going to look at other insurance companies to see what else is out there.

Improved???? WTF does that mean...?

That could mean 2 accidents, and a DUI (1 ticket).

[texkid]

Originally Posted by talnlnky

Improved???? WTF does that mean...?

That could mean 2 accidents, and a DUI (1 ticket).

Improved in the sense that I haven't had a ticket or accident since 2005. I had just got my license in 2001 and been a lead-foot since then. It wasn't until a few years ago that I learned to ease up on the pedal and learn to drive more carefully.

My insurance has been lowering since then. It is just not lowering fast enough

Besides, you haven't seen crazy ass drivers until you've been to LA, Dallas, or Houston. Here, its common to drive 5 over the limit with no tail lights working and expired tags! I am angel compared to those.

Originally Posted by silver_echo

okay i am gonna recommend american family insurance... they have good rates and great coverage...

You're not going to believe this but I went to their website and asked for a quote. I entered my zip code and I get a window stating that they don't service my state. They instead recommended another insurance company. Who did they recommend? Esurance!

[The little red pill]

Originally Posted by TinyGiant

In NH you only need insurance if there is a loan on the car.

i didnt have ins for a long time .. until we got the yaris.

Are you sure you don't even need liability?? How would you plan to pay for an accident if you were at fault? With no insurance company to pay out, any accident lawyer would slap a lien on your house / car / (any other material possession) in a heartbeat!
In most states, even if you don't have a bank lien, you still must have liability!

[texkid]

Originally Posted by The little red pill

Are you sure you don't even need liability?? How would you plan to pay for an accident if you were at fault? With no insurance company to pay out, any accident lawyer would slap a lien on your house / car / (any other material possession) in a heartbeat!
In most states, even if you don't have a bank lien, you still must have liability!

I am inclined to agree. I am not totally sure, but I think Congress passed that law that everyone must have some form of insurance. It is just up to the state to determine the least amount of coverage you can be on the road with.

[auxmike]

I too find it kinda scary that people can drive around without insurance. Forget the car's damage, what if you ram someone's house, or hit a pedestrian, or rear end someone?
Here in NY , you MUST have insurance. I would be downright pertified to drive around completely unprotected......

[Forrest]

Just looked this up on the New Hampshire DMV site:

New Hampshire Motor Vehicle Laws do not require you to carry Auto Insurance, but
you must be able to demonstrate that you are able to provide sufficient funds to
meet New Hampshire Motor Vehicle Financial Responsibility Requirements in the
event of an “at-fault” accident. If you are unable to meet these requirements your
driving privileges in New Hampshire may be suspended. For more information on
financial responsibility requirements you can refer to New Hampshire Statute RSA
264 or contact the New Hampshire Division of Motor Vehicles at 603-271-3101 or
www.nh.gov/safety/dmv

[Kal-El]

Originally Posted by Forrest

Just looked this up on the New Hampshire DMV site:

New Hampshire Motor Vehicle Laws do not require you to carry Auto Insurance, but
you must be able to demonstrate that you are able to provide sufficient funds to
meet New Hampshire Motor Vehicle Financial Responsibility Requirements in the
event of an “at-fault” accident. If you are unable to meet these requirements your
driving privileges in New Hampshire may be suspended. For more information on
financial responsibility requirements you can refer to New Hampshire Statute RSA
264 or contact the New Hampshire Division of Motor Vehicles at 603-271-3101 or
www.nh.gov/safety/dmv

You couldn't be anything less than a millionaire to demonstrate the ability to pay out in a lawsuit against you in the event that you permanently injured someone.

And as soon as the victim finds out you're a millionaire, then you will no longer be a millionaire.

Get the relatively cheap insurance!

[texkid]

Check out this link--its from New Hampshire state's website under Motor Vehicles. Check out Chapter 264:2, 264:3, 264:20, and 264:21--LINK

So in essence, like Forrest said, you CAN drive without insurance, it's when you break the law or get involved in an accident that you SHOULD have insurance.

It almost sounds like New Hampshire is trying not to enforce it's citizens to carry insurance but remain free from liability for allowing it's citizens to drive without insurance.

Side Note: What is funnier is that there is provisions on how one should conduct themselves in the event of an accident (Chapter 264:25). That definitely sounds like something a defense attorney pushed to get it passed.

[silver_echo]

Originally Posted by texkid

You're not going to believe this but I went to their website and asked for a quote. I entered my zip code and I get a window stating that they don't service my state. They instead recommended another insurance company. Who did they recommend? Esurance!

sucky....

[The little red pill]

Originally Posted by texkid

Check out this link--its from New Hampshire state's website under Motor Vehicles. Check out Chapter 264:2, 264:3, 264:20, and 264:21--LINK

So in essence, like Forrest said, you CAN drive without insurance, it's when you break the law or get involved in an accident that you SHOULD have insurance.

It almost sounds like New Hampshire is trying not to enforce it's citizens to carry insurance but remain free from liability for allowing it's citizens to drive without insurance.

Side Note: What is funnier is that there is provisions on how one should conduct themselves in the event of an accident (Chapter 264:25). That definitely sounds like something a defense attorney pushed to get it passed.

OK, that settles it, I'm never driving in New Hampshire! LOL.
Seriously though guys, that's why "accidents" are called "accidents". No one expects them to happen. For example, I consider myself a good driver (no moving violations in 10 years) no accidents, etc. But 3 months ago, I was driving my Tahoe when a 17 year old kid ran a stop sign and caused my Tahoe to roll five times almost killing me. That's how I got my brand spanking new Yaris paid for in CASH. Below is a nice reminder of why everyone needs insurance.

[Kal-El]

New Hampshire also doesn't require people to wear seat belts or wear helmets on motorcycles. Pretty scary stuff. They basically govern by their mantra "live free or die". Well, you'll be dead all right.

[CKaelin]

I have 10 points (one accident and a few speeding tickets) and pay $78.00 a month for full coverage on my 2008 lb. I also use Progressive

[texkid]

Originally Posted by CKaelin

I have 10 points (one accident and a few speeding tickets) and pay $78.00 a month for full coverage on my 2008 lb. I also use Progressive

Have you had any problems with their customer service or claims department? I just want to gauge their customer relations.

[bronsin]

I have my rate with the OBD 2 "spy". I drive never more than 45 mph, nor more than 5000 miles a year plus ive been driving 35 years without an accident. The spy saves me 15% a year. But they tell you your rate could be MORe with the spy. You just have to drop it is all. You can look up on their site and see how many miles you drive, etc etc. It's cool. It ought to be MANDATORY thered be lots less jerks driving out there. If you "drive like you stole it" yeah I guess you dont want the spy.

[texkid]

Originally Posted by bronsin

I have my rate with the OBD 2 "spy". I drive never more than 45 mph, nor more than 5000 miles a year plus ive been driving 35 years without an accident. The spy saves me 15% a year. But they tell you your rate could be MORe with the spy. You just have to drop it is all. You can look up on their site and see how many miles you drive, etc etc. It's cool. It ought to be MANDATORY thered be lots less jerks driving out there. If you "drive like you stole it" yeah I guess you dont want the spy.

Hmmm....I guess I'll take a chance. The other decent thing about it is that I can cancel anytime without having to cancel the policy.