Quoting Tweetie2010:

Quoting billzeke I have a $1,000 deductible on my policy as I would not consider filing an insurance claim for any losses that were less than that amount. I am much more concerned about what filing a small claim would do to my PREMIUMS going forward for the next few years than I am about absorbing the 1st $1K in losses. I am in a much different financial situation than you so it is hard to give advice. Talk to an insurance BROKER who represents many different insurers. They should be able to help you to choose the best coverage for your particular situation. Good luck...

"Talk to an insurance BROKER who represents many different insurers. They should be able to help you to choose the best coverage for your particular situation."



They just says ... "It's up to you."


Of cause nobody is looking for to be invole in the accidient.
By incleasing the deductible, the premium will declease and saves more moey than just $21/yr I believe. (I have to check with them) But there is cons, which is more expense to fix the car in case of accident occurs. It may be less than deductible, it may be more than deductible. Nobody knows ...


Does anyone knows about how much ($50? $100? $200?) does premium will incleases after the claims?

Quoting Tweetie2010:

"Talk to an insurance BROKER who represents many different insurers. They should be able to help you to choose the best coverage for your particular situation."

They just says ... "It's up to you."

Quoting billzeke I have a $1,000 deductible on my policy as I would not consider filing an insurance claim for any losses that were less than that amount. I am much more concerned about what filing a small claim would do to my PREMIUMS going forward for the next few years than I am about absorbing the 1st $1K in losses. I am in a much different financial situation than you so it is hard to give advice. Talk to an insurance BROKER who represents many different insurers. They should be able to help you to choose the best coverage for your particular situation. Good luck...

Quoting Tweetie2010:

Quoting billzeke You may not be looking at the collision/deductible coverage properly. You have a 12 year old vehicle. The older the vehicle; the less it is worth so it would make sense that you would want to spend less not more insuring it's replacement value until you might not insure the value at all. Spending more in premiums to insure less value makes no sense. Good luck...

bill, it's like this ....

Choice A
Premium $649/yr
Deductible $500/damage
Saves $21/yr
Spends $200 more/damage

Choice B
Premium $671/yr
Deductible $300/damage
Saves $200/damage
Spends $21 more/yr

I think choice B will be the best for me.
What do you think bill?

Quoting Tweetie2010:

Thank you Sophia.
I checked about VIKING on BBB web site. I also visited their web site, but I could not find the information. I better to stay with Wawanesa for now.

I'm sorry ... How is your daughter doing? Many of drivers has been scared and does not want to drive a car after the big accident. I hope she will able to get back to normal life soon.

Thank you Sophia.
I checked about VIKING on BBB web site. I also visited their web site, but I could not find the information. I better to stay with Wawanesa for now.

I'm sorry ... How is your daughter doing? Many of drivers has been scared and does not want to drive a car after the big accident. I hope she will able to get back to normal life soon.

Quoting Tweetie2010:

I visited some web site to research:
BBB.org
JDPower.com
Edmunds.com (this site has plenty of information)
I-Can: California Department of Insurance

I think I have pre-good coverage (50/100/50) and premium. Since my car is almost 12 years old, I may take my car for evaluation/inspection to reduce the deductible on collision and comprehensive. This will increase my premium $21/year. But, it will help me in case of accident. Save $21/year on premium with $500 current deductible or Save $200/accident with reduced $300 deductible by add $21/year more on current preimum. I have 2 weeks and half to make my decision.

I visited some web site to research:
BBB.org
JDPower.com
Edmunds.com (this site has plenty of information)
I-Can: California Department of Insurance

I think I have pre-good coverage (50/100/50) and premium. Since my car is almost 12 years old, I may take my car for evaluation/inspection to reduce the deductible on collision and comprehensive. This will increase my premium $21/year. But, it will help me in case of accident. Save $21/year on premium with $500 current deductible or Save $200/accident with reduced $300 deductible by add $21/year more on current preimum. I have 2 weeks and half to make my decision.