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Discussion Starter #1
BODILY INJURY & PROPERTY DAMAGE LIABILITY

BI $25,000 EACH PERSON - $50,000 EACH ACCIDENT
PROPERTY DAMAGE LIABILITY - $25,000 EACH ACCIDENT
2000 Honda Insight $278.00
2000 Audi TT $93.00


This is just he injury part and not the complete policy with progressive.


Why should I pay three times as much as a Audi TT? Progressive told me its because the Insight would cause more damage to the other car if in a wreck!!! :roll: :roll:
 

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An Insight causing three times the damage to another car in a wreck? I't only 1800 pounds!

If they are keeping statistics on the Insight, I wonder if it's a good representation. Recall until 2000, the Concorde was the safest airliner flying but it made far fewer flights than any subsonic jetliner.
 

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Discussion Starter #4
Progressive was cheaper than Geico! I checked with progressive and I would only save 115 per 6 months if I swap the 2000 insight for a 1990 CRX. Looks like they don't like little cars.
 

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Can't We Fix This Like The Commericial?

You can see the Progressive commericial at http://www.instantlybetter.com/commercial.asp if you have not seen it. It's pretty funny. This single guy goes to http://www.instantlybetter.com and enters "broken arm". His cast vanishes. He types "fish" and his goldfish comes to life. He gets bold and his appartment turns into a disco, and to top it off, a sexy cheerleader appears. :)

If only their Insight rates could become "instantly better".
 

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"Progressive was cheaper than Geico! I checked with progressive and I would only save 115 per 6 months if I swap the 2000 insight for a 1990 CRX."

Now that's really strange, 'cause Geico is the one that charged me $30/year LESS for the Insight than the CRX. Wonder what the heck they're thinking...

Memo to self: check portfolio, and sell any insurance company stock ASAP :)
 

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I just checked on insurance for the Insight and found it to be a bit more expensive than for a 180 hp sports coupe. Hmmmm...is it because there are so few Insights on the road, every claim is that much more significant to the model's overall ratings? I've read posts from a disproportionate number of rear-endees - as opposed to rear-enders - reporting that distracted admirers pose a unique road hazard to the Insight owner. Good to know it handles well! That said, I'll settle for the "more damage done than received" theory and continue my search for the little car that can. :D
 

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Maybe they think you'll electrocute any SUV that you hit and then spray them with toxic battery chemicals.

Not that it's not an appealing idea...
 

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Discussion Starter #11
james said:
I can understand collision & comprehensive insurance being higher: body shops aren't familiar with aluminum repair techniques, so comparatively minor damage might total the car. And being light, it might come off second-best in a tangle with an SUV. But for just liability?
You have gotten the wrong message. This higher amoun paid is for the OTHER car and not my car.

Bodily Injury Liability Coverage
Pays when an insured person is legally liable for bodily injury or death caused by your vehicle ( Insight ) or your operation of most non-owned vehicles. This coverage also pays for your legal defense if you are sued.

Property Damage Liability Coverage
Pays when an insured person is legally liable for damage to the property of others caused by your ( Insight ) vehicle your operation of most non-owned vehicles. This coverage also pays for your legal defense costs if you are sued.


There is no way my 1800lb car can cause three times as musch damage to the OTHER car. Hell even my V8 Camaro is cheaper.


Whos got cheaper insurance than Progressive? Not Geico or Allstate
 

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Discussion Starter #12
BTW the Insight has a 4 Star safety rating.


Another thing that pisses me Off. A brand new 2003 Insight insurance is only a few dollars more and Yet I am sure that if my car was totaled they would only give me around 10,000 yet the New 2003 model would get the higher value.
Insurance for the 2000 model should either reflect the lower value or PAY out more if totled.
 

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Check your premiums, cakley...

From my Safeco Insurance declarations page:
2001 Honda Insight CVT, rate class 1B, rate territory 028...
Bodily injury, $100K ea. person/$300K ea. accident, $88.00...
Property damage, $25K ea. accident, $106.00...
Personal injury protection, $2.5K per person, $16.00...
Uninsured/underinsured motorists :evil: , same limits as above, $35.00 and $20.00 respectively...
Damage to my auto (other than collision) less $200 deductible, $56.00...
Collision, actual cash value less $500 deductible, $204.00...
Rental reimbursement, $30/day, $900 max. $13.00...
Mexico coverage included... :wink:
Driven to work (usually)...
Rated driver discounts: old-fart discount, :roll: 3+ years loss-free, passive restraint 30%, multi-car, alarm...
total, $538 for 6 months. This is $28 more than our 150 hp. loaded-to-the-gills Turbo New Beetle Convertible...
I'm pondering a change (increasing coverage to $250K/$1M/$100K, $1,000 deductible) because T-boning even a Camry now will bump $25K if totalled, never mind the MBs and 7-series Bimmers that are as thick as flies around here in Dallas, and if I do, I'll send you an update. Right now it's a low priority... but cakley... my man... my friend... you are woefully underinsured. Check with your agent for higher limits, and perhaps higher deductibles (more out of your pocket in case of an accident, but cheeeep premiums)... get him to give you a quote and have him earn his money for you...
PS: careful with Geico, they have this attitude about radar detectors, and from my experience and those of othert acquaintances, getting their claims service to service you is about as easy as pulling monkeys out of your ears...
 

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Re: Check your premiums, cakley...

boogetyboogety said:
From my Safeco Insurance declarations page:
total, $538 for 6 months.
I just got a quote from my insurance agent.. $358 for 6 months with Traveler's Insurance. 50/100/50 , I think.
 

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Did I miss something, Cakely? Back in the first message you said "2000 Honda Insight $278.00
2000 Audi TT $93.00". In other words, lots more to insure the Insight than the Audi.

So I was asking, really, if that amount was for liability (pays for damage to others), or C&C, which pays for any damage to YOUR car. (Something I understand is usually required if you have a loan on it.)

Anyway, the bottom line is that if your insurance company is charging more for liability on the Insight, it's time to look for another company :)
 

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Colorado Insurance

So you can compare prices - Insurance in Colorado was the 5th highest in the nation untill the 1st of July when we went from No-Fault to a Tort type. From Country Insurance I have:

2000 Insight CVT
Bodily injury, $100K ea. person/$200K ea. accident
Property damage, $50K ea. accident
Personal injury protection, $5K per person
Uninsured/underinsured motorists ( Now a MUST )
Comp/Collision - $500 deductible ea.

Driven for pleasure - Good Drv. discount :roll: ( retired 'Ol Fart too ) every 6 months ......

$574.00 :(
 

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Ok, quick question.
No Fault state: What's the point of Uninsured motorist other than giving the insurance company more money? I came to this realization a week ago, and wondered why the hell I'm paying for it.

I understand its place in a 'fault' state...
 

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South Carolina Rates for the Insight (USAA)

Liability (Bodily Inj 100/200) ---------- $63.51
Liability (Property Damage (50K)------ $54.95
Uninsured Motorist -----------------------$17.37
Underinsured Motorist--------------------$33.40

6 Month Total------------------------------$169.23

This thread has caused me to think about the coverage I have. When I dropped collision they added the Underinsured motorist coverage. I'm thinking I need to call and drop it and perhaps the uninsured motorist coverage as well. Have fun, Rick
 

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Answered my own question:
Your Personal Injury protection is considered a "no-fault" coverage. Personal Injury Protection (PIP) covers 80% of your
medical expenses, 60% of lost wages, and 100% substitute or replacement service benefits. Personal Injury Protection has a
maximum payout of $10,000.00 per person. This coverage applies for you and your resident relatives. You would be entitled
to receive these benefits if you were injured in an accident regardless of fault. This coverage is required per Florida Law.

Once your medical bills exceed $10,000, your Uninsured Motorist coverage would take over.

Uninsured Motorist pays damages that you are legally entitled to recover because of bodily injury or death caused by
uninsured or hit-and-run motorists.
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So basically, in a no-fault state, Uninsured motorist is a backup when you don't have enough PiP Coverage, but only if the other person is hit-and-run or uninsured. 3% of all accidents maybe fall in this category? Just a guess.
 

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Discussion Starter #20
Re: Check your premiums, cakley...

boogetyboogety said:
cakley... my man... my friend... you are woefully underinsured. Check with your agent for higher limits, and perhaps higher deductibles (more out of your pocket in case of an accident, but cheeeep premiums)... get him to give you a quote and have him earn his money for you...
PS: careful with Geico, they have this attitude about radar detectors, and from my experience and those of othert acquaintances, getting their claims service to service you is about as easy as pulling monkeys out of your ears...
I never really thought about the need for higher limits until I was in a wreck last year. Your right I do need a higher level of coverage.
 
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