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Old 10-07-2010, 12:22 AM
RootBeer RootBeer is offline
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Default Insurance Suggestion

If most of you are like me, you normally carry the same deductible for both collision and comprehensive.

When I bought RB I asked my agent what the 6 month premium would be for comprehensive if I were to lower the deductible to $50.00 and amazingly it only raised it about $30.00.

Considering the average claim on it is for things like windows, keying paint, the like and the $500.00 deductible I carried I usually ended up paying for the repair out of pocket.

Now I no longer have to do that. Might be worth checking into with your insurance company.

I had State Farm for over 20 years. But I found out a year ago State Farm does not cover passengers on motorcycles and they do not cover windshield chip repair.

I now have Allstate because they cover both, although I no longer have the bike. Also if you have a new Ram, Allstate has a New Car replacement plan which I signed up for when I got RB.
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Old 10-07-2010, 02:31 AM
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This is good info Brian I looked into that myself but for my coverage, it would have gone up another $300 for the year... and I don't replace anything often enough for me to justify it. I only replace a windshield about every 2-3 years.
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Old 10-07-2010, 02:44 AM
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Good info Brian! I, too, have been curious about lowering my deductible, $500 here, also. No, things don't need replacing regularly, but usually when something like that happens, it's always when you're already broke!

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Old 10-07-2010, 04:16 AM
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Thanks for the info, Brian! We never gave deductibles much thought until both of our H3's sustained hail damage and we were looking at paying $1,000. Then we reconsidered our deductibles and adjusted accordingly.
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Old 10-07-2010, 06:05 AM
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I carry collision and comp at 500/250 right now with allstate. 250 was the lowest comp. progressive offered in Miami-Dade county when I moved down and my allstate plan was transfered over apples to apples. I should look at getting my comp. lowered again. I used to carry 500/100 (lowest comp available from AAA) when I lived in Michigan because I, as you, observed that the price increase for lowering comp. was so low that it seemed absurd not too.

My wife's old insurance company (before we were married) offered zero deductable for certain comp issues, for example she could get windchips chips filled or cracked windshields replaced for free, and she did take advantage of that twice (we also liked on dirt road 1/4 mile from a saw mill so our roads were always pretty rough).
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Old 10-07-2010, 05:29 PM
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good info Brian! thanks for the head's up

I've had AllState for several years now... they've got a program where if you don't make any "major" claims or get in an accident you're deductible will go down every year. (I think my collision and comp deductibles are both down to $50) until they're down to $0.

This same program also has an "accident forgiveness" clause that makes it so you're rates don't go up, even if you're at fault.

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Old 10-07-2010, 07:41 PM
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damn, i need to lower my deductible a bit, but, i have $1,000,000 full coverage & i don't think i can lower my deductible
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