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lights up the JenBro signal

Posted by hollywood big shot (aka pickmix) Jan 28 '22, 16:02

for once I have a legit insurance question

where she at?

buying (3-year lease, technically) a new car after 13 years of not having one — or carrying any auto insurance

the Allstate dude is quoting me $350/mo on the expectation I would be driving 6k miles a month. I won’t be using it to commute during the week so unlikely I would drive that much but I really don’t have a frame of reference for what my avg monthly miles will end up being

the other wrinkle is it’s a fuel cell Honda so book value of $60k but not really priced that way for my monthly lease payment ($379). i can swing the quoted premium if that’s the going rate, but not having paid for insurance on over 10 years I don’t really know what the going rate for me should actually be

Responses:

If you are Calif without recent ins history, driving record, you will be Assigned Risk, so random company is required to ins at specified rate - zeitgeist Jan 28, 18:45
A lot of companies in CA give you a discount if you're an attorney. You don't have to be practicing, but I don't know if being licensed in other - jnine Jan 28, 17:09 1
- hell yeah! -- nm - hollywood big shot Jan 28, 17:26
Hiya! Average mileage in “insurance world” is 12-15 k per year.’ Inside - JenBro Jan 28, 16:40 9
- Hope it helps! The premium seems high to me but then again- Michigan is not California. Heh heh -- nm - JenBro Jan 28, 16:45
- How ya feeling Jenbro? -- nm - Flavorize Jan 28, 16:45 6
  - Day 4 with no need for ibuprofen - yay! And the Burger Battle fundraiser is going great! 10 days to get 15 restaurants on board and in just 3 days - JenBro Jan 28, 16:49 5
    - Fantastic, on both fronts! -- nm - Flavorize Jan 28, 16:58
    - Nice! I hope it goes great! -- nm - Krusty Jan 28, 16:53 2
      - Thanks! Me too! Fingers crossed … we are only selling tickets to friends that will be nice and tip big … hope everyone has fun. -- nm - JenBro Jan 28, 16:55 1
        
        I thought it was a good idea for a very good price. I'm sure they'll love it! -- nm - Krusty Jan 28, 17:07
    - and thanks for asking! -- nm - JenBro Jan 28, 16:51
- grazie (hope they like working on Saturday) -- nm - hollywood big shot Jan 28, 16:42
I have an excessive commute and I drive ~2000km a month. -- nm - Reagen Jan 28, 16:30
6,000 miles a month seems excessive. I drive what I consider to be a normal amount and average about 15,000 miles per year. -- nm - Ender Jan 28, 16:15 10
- I don't drive 6,000 in a year! -- nm - Baron Enero Jan 28, 16:19 1
  - Me either! - Krusty Jan 28, 17:19
- Yeah if you're not leaving your commuting area that might be 600-900 mi/month instead of 6000*12. -- (edited) - Max Jan 28, 16:17 3
  - yeah, maybe that was annually. I didn’t really expect to get the hard sell on a policy at the dealers so other than the quote $ to compare I’m just - hollywood big shot Jan 28, 16:21 2
    - blue or red? -- nm - Max Jan 28, 16:22 1
      - red rocket - hollywood big shot Jan 28, 16:22
- (But definitely get quotes from other companies.) -- nm - Ender Jan 28, 16:16 3
  - Check out Mercury just for the hell of it. -- nm - Meg Jan 28, 16:29 2
    - If you have an accident with another Mercury insured they will lowball you on repairs and find you both at fault. They are terrible at paying out. -- nm - jnine Jan 28, 17:07
    - They used to be on fire for good rates in CA, but one of my clients found them high recently, but he was a college kid just moving there too so … -- nm - JenBro Jan 28, 16:43

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