your car insurance company?

[DBfan187 5,000+ posts]

 

[Scoobydoo 5,000+ posts]

I had AAA and was paying $700/6 months for a few years until this summer. I had a comprehensive claim for $3k and they wanted to raise it to $1300/6 months.

I called up AIG and I now pay $385/6 months for the same coverage.

 

[mdillon 10+ year member]

Farmers insurance here

i had farmers and they offer audio endorsements. my stuff got stolen and they cut me a $3500 check. it was spent on equipment the same day.

 

[casper97ta 10+ year member]

AIG here.

 

[1991Brougham 10+ year member]

If you're carrying collision/comp with a $1000 deductible and you have your amps/subs in the trunk and your speakers well buried in the rear deck, dash and/or doors, how much risk are you assuming compared to the price of the extra coverage? HU's are not that expensive unless you get one of those video screen ones and even those are mostly under $1K. If someone steals the whole car, they'll have the time it takes to dig out all your audio equipment along with all the other goodies but your garden-variety smash-n-grab isn't going to score the average thief very much. Used HU's don't bring in big bucks if they are just playing CD's since there's so many of them already being used, so thieves aren't going to give HU's a high priority if it's the usual "same ol'" HU.

Now if a person had a truck, a van, a hatchback or a 'Vette, then all the goodies are up for grabs and that being the case, if the system is worth more than the deductible and the inevitable hassle of dealing with a rate raise leading one to change companies following a claim, then insure the heck out of it plus put in an alarm system.

Calculate the cost of the policy rider vs the cost of what's at risk. Chances are good that you could set aside the money you'd pay the insurance company forever for a few months and be able to cover the swiped HU if that's all they can snag easily and who's to say digging HU's out of dashes is easy?

Rick

 

[DDeitz 10+ year member]

so hard to get stereo coverage here, since we really only have 1 insurance company for the most part and they dont cover car audio (unless it is in a vehicle 10 years or newer)

 

[hdj20 10+ year member]

arent there rules regarding car insurance, you have to have it if your 16?

 

[Injected54 10+ year member]

State Farm

 

[cj232 10+ year member]

Progressive.

 

[atoz350 10+ year member]

Esurance. My audio is covered.

 

[bigbangtheory 5,000+ posts]

Just switched to Progressive. Had Nationwide before and saving over 100 dollars per 6 months. This was with my soon to be wife on my policy as well. Strange as it went down, but I guess that multi car deal helps.

Also I asked about my system and they said it would cover the audio's as long as I have recepits. I have all mine for the most part..........I think, lol!

Also to the one guy saying you don't get any receipts when shopping online. WTF mang, do you not print your shit out?