page 2

7/19/2012 11:24:23 AM

Right on queue

7/19/2012 11:25:17 AM

that was treating it like a reckless driving ticket.

7/19/2012 11:27:38 AM

Quote :

"wdp3 - It would be beneficial for you to keep continuous coverage. Ask your agent about a non owners policy. That'll keep you covered and should cost less than just dropping to minimum limits. I'm not as familiar with these, so i don't know how they'd work with you borrowing a car."

Does this still apply if I'm listed as a driver under another policy? Would this policy not be used to show that I've been "covered"?

7/19/2012 12:45:22 PM

A non owner policy would keep you covered, it's just a different rating scheme since you don't have a car atm. Whose policy are you also listed on as a driver?

7/19/2012 1:23:04 PM

My parent's since I'm driving their extra vehicle

7/19/2012 1:24:07 PM

I'd check with your agent, but I'd think that if you are rated on that policy, it should serve as continuous coverage for you so you don't have to pay for additional coverage on a separate policy.

7/19/2012 1:28:49 PM

Quote :

"Turning 25 doesn't get you a discount. You get help in your rating with experience, you're no longer considered a youthful driver at 25 but it's not like someone clicks a discount button for you."

For the record, I got a quote for full coverage on one car from state farm before I turned 25, and another quote a few days after my birthday for the same car and coverage. The premium was reduced by about 25%.

7/19/2012 2:57:01 PM

Been driving for 16 years and no issues. Had a minor fender bender in May of this year and had just switched in April to Farm Bureau. I assume the damage to fix the other car was under $2500 (no damage to mine). I renew in Sept., should I expect an increase?.

7/19/2012 3:13:07 PM

^^ what she was saying is that there isn't a set discount that you'd experience, just a different (better) rating factor due to you being classified in a more experienced driving category

^ if you were at fault and the loss was under 1800, and if you don't have another accident then it shouldn't change as a result of the accident. Over 1800 and at fault, then yes you will. Not at fault, shouldn't be a change due to the accident

[Edited on July 19, 2012 at 3:53 PM. Reason : ^ also if at fault, you won't qualify for safe driver discount, so that'll cause an increase]

7/19/2012 3:51:41 PM

Travelers sdip is $1000 in most states.

7/19/2012 11:30:08 PM

I was out of town (my car at home) when Fayetteville was hit with that hail storm a couple of weeks ago. I didn't notice any damage at first, but now that I have had opportunity to wash my car and take a closer look, I have found quite a few small dings on the hood/trunk/fenders. My parents have always preached to avoid claiming minor things in order to keep premiums low, but I'm sure my car will have lower resale value if this is not taken care of, not to mention the fact that even though these are all very minor dings, it will bother me if not taken care of. What would be your advice in this situation, and do you know if the PDR folks are able to properly level dents that are probably less than 1/16" deep?

7/20/2012 11:25:42 AM

If you check page 1 after your first post about hail damage, essentially same answer applies. As to the effectiveness of the repair, don't know.

[Edited on July 20, 2012 at 2:55 PM. Reason : derp fix]

7/20/2012 2:54:38 PM

http://realestate.yahoo.com/news/home-insurance-checkup-could-lower-costs--raise-coverage.html

For those of you who own homes and care, some information about the current state of homeowner's coverage and things you should look into to verify adequate and cost effective coverage. For those who don't care, act accordingly.

7/24/2012 11:13:13 AM