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Forum
-> Household Management
-> Finances
amother
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 Tue, Oct 29 2024, 11:17 pm
My dh got a new car and cheapest auto quote came back for 385 a month!
Anyone has experience how we can get it lowered or a company to reach out to?
He does not have any claim on his record.
For context - this is nyc
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amother
Smokey
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Tue, Oct 29 2024, 11:36 pm
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Which company are you through?
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amother
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Wed, Oct 30 2024, 9:28 am
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He went through an insurance broker.
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amother
Pearl
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Wed, Oct 30 2024, 9:37 am
I just had this
Don't stop at 1 insurance broker.
I spoke to over 10 brokers recently until I got a significant difference.
Ask everyone you know
Get quotes from multiple brokers and asks them if they know other brokers who can do better.
That's how I got my policy
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amother
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Wed, Oct 30 2024, 9:41 am
| amother Pearl wrote: | I just had this
Don't stop at 1 insurance broker.
I spoke to over 10 brokers recently until I got a significant difference.
Ask everyone you know
Get quotes from multiple brokers and asks them if they know other brokers who can do better.
That's how I got my policy |
thx! dont they shop it by the same carriers though?
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amother
Snapdragon
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Wed, Oct 30 2024, 9:42 am
| amother OP wrote: | | thx! dont they shop it by the same carriers though? |
Speaking from a health insurance broker pov- each broker has their own relationships with different carriers so don’t assume they all get the same quotes
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amother
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Mon, Nov 04 2024, 12:03 pm
| amother Pearl wrote: | I just had this
Don't stop at 1 insurance broker.
I spoke to over 10 brokers recently until I got a significant difference.
Ask everyone you know
Get quotes from multiple brokers and asks them if they know other brokers who can do better.
That's how I got my policy |
Can you recommend some auto insurance brokers?
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evi
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Mon, Nov 18 2024, 11:01 pm
Make sure to get quotes, or try to get quotes, from all the major carriers in NY. Farmers, Progressive, State Farm, Allstate, Liberty Mutual, Geico. Most of these have quotes online. Though some might be currently blocking NY if they are losing too much money in the area. And also, speak to at least one independent agent. An independent agent is someone who sells more than just one company's insurance.
Eli Cohen is a good independent agency, I got a great quote through Paulie.
Here's some info for the insurance company I work with just so I'm plugging them too:
https://agents.farmers.com/ny/.....guez/
https://www.freeway.com/auto-I.....york/
Rpk Professional Group Llc
1-718-336-8866
rpk@rpkinsurance.com
Car insurance went up a lot recently. You get a lower price if you have good credit, no tickets (if you have tickets, taking a course might help - but it's not just claims), and have carried car insurance for a while, preferably with higher than minimum limits. You can decrease your premium by selecting a high deductible, or if the car is old (doesn't apply to you yet, so don't do this), not paying for any comprehensive or collision insurance. If you haven't carried car insurance for a while, buy now at above minimum limits, then try shopping again in half a year.
You can also save by agreeing to the program where they track your driving. A lot of companies offer this. In return for them being able to track how you drive (which hopefully means you'll drive more safely), they usually give a discount, the size of the discount depending on how well you drive (in particular, avoid short stops.)
Last edited by evi on Mon, Nov 18 2024, 11:25 pm; edited 12 times in total
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amother
Eggplant
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Mon, Nov 18 2024, 11:02 pm
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OMG dealing with the same now!!
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amother
Chestnut
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Mon, Nov 18 2024, 11:15 pm
The Voice of Lakewood had a good column with information about how to get the cheapest car insurance -
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evi
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Mon, Nov 18 2024, 11:23 pm
| amother Snapdragon wrote: | | Speaking from a health insurance broker pov- each broker has their own relationships with different carriers so don’t assume they all get the same quotes |
Car insurance companies sometimes have 3 different prices - the price you get if you get a quote through their website, the price you get if you get a quote through an exclusive agent, and the price you get if you get a quote through an independent agent. That is assuming that all 3 options are available, which is not always the case.
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amother
Offwhite
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Mon, Nov 18 2024, 11:26 pm
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Do you have any memberships to get a discount? AAA, a credit union, USAA, anything like that?
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amother
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Tue, Nov 19 2024, 10:12 am
| amother Offwhite wrote: | | Do you have any memberships to get a discount? AAA, a credit union, USAA, anything like that? |
no idea what these are
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President
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Tue, Nov 19 2024, 10:29 am
| evi wrote: | Make sure to get quotes, or try to get quotes, from all the major carriers in NY. Farmers, Progressive, State Farm, Allstate, Liberty Mutual, Geico. Most of these have quotes online. Though some might be currently blocking NY if they are losing too much money in the area. And also, speak to at least one independent agent. An independent agent is someone who sells more than just one company's insurance.
Eli Cohen is a good independent agency, I got a great quote through Paulie.
Here's some info for the insurance company I work with just so I'm plugging them too:
https://agents.farmers.com/ny/.....guez/
https://www.freeway.com/auto-I.....york/
Rpk Professional Group Llc
1-718-336-8866
rpk@rpkinsurance.com
Car insurance went up a lot recently. You get a lower price if you have good credit, no tickets (if you have tickets, taking a course might help - but it's not just claims), and have carried car insurance for a while, preferably with higher than minimum limits. You can decrease your premium by selecting a high deductible, or if the car is old (doesn't apply to you yet, so don't do this), not paying for any comprehensive or collision insurance. If you haven't carried car insurance for a while, buy now at above minimum limits, then try shopping again in half a year.
You can also save by agreeing to the program where they track your driving. A lot of companies offer this. In return for them being able to track how you drive (which hopefully means you'll drive more safely), they usually give a discount, the size of the discount depending on how well you drive (in particular, avoid short stops.) |
Can I have the contact info for Eli Cohen please?
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President
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Wed, Nov 20 2024, 8:17 pm
| President wrote: | | Can I have the contact info for Eli Cohen please? |
bump
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emee2
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Wed, Nov 20 2024, 9:52 pm
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Can anyone recommend a broker in Lakewood?
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amother
DarkRed
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Wed, Nov 20 2024, 10:13 pm
| emee2 wrote: | | Can anyone recommend a broker in Lakewood? |
Had a great experience with Motty Rosenbaum
917 740 9026
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evi
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Thu, Nov 21 2024, 2:40 pm
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it comes up if you google Eli Cohen insurance
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small bean
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Thu, Nov 21 2024, 2:46 pm
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I've never used a broker,but I have AAA car insurance for years. Best quote and pleasure to.work with.
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