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Car Forum / Driving, Maintenance, Tuning / Driving / June 2006Auto Insurance NJ
I am a new driver in NJ, 27 year old and I have a 99 camry 4 cylinder. My driving record is pretty much nil and I was wondering if you guys have any suggestions about decent insurance companies and approximate premium I will have to pay considering I take buy everything ie liability, comprehensive with collision. Thanks for any info.... >I am a new driver in NJ, 27 year old and I have a 99 camry 4 cylinder. > My driving record is pretty much nil and I was wondering if you guys > have any suggestions about decent insurance companies and approximate > premium I will have to pay considering I take buy everything ie > liability, comprehensive with collision. Thanks for any info.... Your status as a new driver shouldn't matter much. Your status as being over 25 is good. The car is a good choice for low rates. I've never tried the Progressive web site, but you might check it out. I would think you will pay somewhere in the $750-$1000 per year range (but then I carry collision, un-insured motorist, and the highest limits.) If you belong to a credit union, check out their partner. Also, check with the company that has your home/fire or renter's insurance - often they offer discounts for multiple policies. FloydR > Your status as a new driver shouldn't matter much. > Your status as being over 25 is good. Not necessarily. Insurance rates are set by experience. COINCIDENTALLY, that usually matches age, also. That is, by 25 you are usually an experienced operator, as you got your license at 16/17. But I was an experienced operator, and paid experienced operator insurance rates, starting at age 20. That was because the insurance companies consider you to be experienced if you've had a full unrestricted operator's license for 6 years or longer, and I had that at age 14. Long before I turned 25, I already had the maximum insurance discount in my state, as I was an experienced operator with maximum safety discount (step 9, where lower numbers are better, and 9 is the lowest) -Dave > I am a new driver in NJ, 27 year old and I have a 99 camry 4 cylinder. > My driving record is pretty much nil and I was wondering if you guys > have any suggestions about decent insurance companies and approximate > premium I will have to pay considering I take buy everything ie > liability, comprehensive with collision. Thanks for any info.... Your are a new driver and you are already 27 years old? Why so old? It sounds suspicious. Either A) you lived in Manhattan NY most of your life or B) You had been incarcerated, or C) You have had bad health that prevented you from getting a license, or even D) You've been dirt poor most your life to the extent that you never had the funds for a car. East- > I am a new driver in NJ, 27 year old and I have a 99 camry 4 cylinder. > My driving record is pretty much nil and I was wondering if you guys > have any suggestions about decent insurance companies and approximate > premium I will have to pay considering I take buy everything ie > liability, comprehensive with collision. Thanks for any info.... I just signed up with Geico and I saved a bundle. No kidding. Check out http://www.geico.com for info and an online price quote. > > I am a new driver in NJ, 27 year old and I have a 99 camry 4 cylinder. > > My driving record is pretty much nil and I was wondering if you guys [quoted text clipped - 4 lines] > I just signed up with Geico and I saved a bundle. No kidding. Check out > http://www.geico.com for info and an online price quote. I wouldn't have insurance with Geico if it were free. I've heard enough stories about denied claims, random dropping of coverage, and worst of all the "Geico Guns" that unless someone can offer concrete proof that they have well and truly mended their ways, I take it as a given that I will never do business with them. Unless, of course, I get hit by a Geico customer. nate > > > I am a new driver in NJ, 27 year old and I have a 99 camry 4 cylinder. > > > My driving record is pretty much nil and I was wondering if you guys [quoted text clipped - 11 lines] > given that I will never do business with them. Unless, of course, I > get hit by a Geico customer. To each his own. One of my closest friends has Geico and he's been a satisfied customer of Geico for years. No insurance company is in business to be your friend. They all engage in some level of sleezey tactics. Out of curiosity, I just checked http://www.njdobi.org/acrobat/05ratios.pdf and Geico has a low complaint ratio. Thanks for your concern, but the reality is, Geico has a good customer satisfaction record, reasonable rates, and it took me all of five minutes to sign up for a policy, which is quite different than my previous carrier where every renewal was a pain in the neck. By the way, the document I cited would be a good resource for anyone in NJ to use in shopping for auto insurance. It lists all the providers who write policies in NJ. >> I am a new driver in NJ, 27 year old and I have a 99 camry 4 cylinder. >> My driving record is pretty much nil and I was wondering if you guys [quoted text clipped - 3 lines] > >I just signed up with Geico and I saved a bundle. No kidding. Watch what happens when you try to make a claim. ;) BTW, you must have lied to them about your radar detector; normally they will refuse to insure anyone who uses one. If you ever wreck your car, better toss that puppy out the window before the cops see it and note it in their report, or you'll find yourself on the receiving end of an insurance fraud lawsuit. :)  SignatureWhat the heck, I'll play too. - Dave > >> I am a new driver in NJ, 27 year old and I have a 99 camry 4 cylinder. > >> My driving record is pretty much nil and I was wondering if you guys [quoted text clipped - 11 lines] > note it in their report, or you'll find yourself on the receiving end > of an insurance fraud lawsuit. :) I do not own a radar detector. Where did I say I owned one? I guess reading comprehension is not one of your talents. > I just signed up with Geico and I saved a bundle. No kidding. Check out > http://www.geico.com for info and an online price quote. Congratulations. Geico almost certainly celebrated by buying your local police some new radar guns. You are a traitor to drivers everywhere. > > I just signed up with Geico and I saved a bundle. No kidding. Check out > > http://www.geico.com for info and an online price quote. > > Congratulations. Geico almost certainly celebrated by buying your local > police some new radar guns. You are a traitor to drivers everywhere. My local police do not use radar guns, and even if they did, why should I care? I observe the speed limit. >>>I just signed up with Geico and I saved a bundle. No kidding. Check out >>>http://www.geico.com for info and an online price quote. [quoted text clipped - 4 lines] > My local police do not use radar guns, and even if they did, why should > I care? I observe the speed limit. And you live in New Jersey? Good luck with that. I would think that you would be interested in having your local police enforce laws that are conducive to safety rather than revenue generation, but if you prefer the latter, feel free to stick with GEICO. nate Signaturereplace "fly" with "com" to reply. http://home.comcast.net/~njnagel > >>>I just signed up with Geico and I saved a bundle. No kidding. Check out > >>>http://www.geico.com for info and an online price quote. [quoted text clipped - 9 lines] > are conducive to safety rather than revenue generation, but if you > prefer the latter, feel free to stick with GEICO. As I said, the police in my township DO NOT use radar guns. What's your problem? >>>>>I just signed up with Geico and I saved a bundle. No kidding. Check out >>>>>http://www.geico.com for info and an online price quote. [quoted text clipped - 12 lines] > As I said, the police in my township DO NOT use radar guns. What's your > problem? I don't have a problem, I just prefer not to contribute to poor public policy if I can help it. Thus, my auto insurance is with a company other than GEICO. Granted, all insurance co's (at least the ones that are part of the IIHS) are part of the problem, but GEICO has traditionally been the most blatant. They won't cover me anyway, as one of my cars is registered as "Historic," so it's no skin off my nose. nate Signaturereplace "fly" with "com" to reply. http://home.comcast.net/~njnagel |
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