 Re: California Fires. Aren't homeowners responsible for obtaining homeowner's insurance and if so why is the |
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jacqueline1701 | Full Coverage car Insurance? |
Is it smart to carry full coverage on a 1999 Windstar full paid for
Market Value approximatiely $5000.00 . My yearly premium is abouts 2300.00 with 500 ded on collision and comprehensive.
I also dont own any property or have any real assets that can be possibly sued. |
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Ron@InsureMe
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I am an insurance agent. When people ask me this question I tell them to first look at the Kelly Blue Book value. According to them your vehicle is worth (depending on the condition):
1999 Ford Windstar Minivan
Condition Value
Excellent $2,425
Good $2,095
Fair $1,580
If you wreck your car & the insurance company figures out that they will have to pay more than the car is worth to fix it then the insurance company will "total" the car. They take possession & pay you somewhere near the blue book value. So, the most you could ever get would be about $2095.
You are paying $2300 a year for a policy that will pay out a maximum of about $2095 if you total it. You need to drop the full coverage right away. You may want to comparison shop insurance to find a lower rate. For information on policies and to get prices from multiple companies you may want to check out InsureMe at: http://www.insureme.com/landing.aspx?Refby=614498&Type=auto. They also have a free option that allows you to talk to licensed insurance agents if you have questions.
I hope that helps!
Ron@InsureMe |
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jen
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Yes If you hurt and the other person is not covered, Your insurance will pay for your injuries also. Dont take the chance. |
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nurse ratchet
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No! Do the math......how much are you paying verses how much the car is worth (minus the deductible). Put the difference in premium into your pocket, and self insure the car with what you save. |
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mei-lin
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that rate does seem a bit high, but you don't really explain why. How much of that premium is the comprehensive and collision?
On the face of it, it does not seem smart,BUT - can you afford to replace the vehicle if something happens and you don't have the coverage. That is the measure I would use to make the decision. |
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John
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Well, it seems a higher premium to me. But, it depends on where you live. Some states' auto insurance is more expensive than others.
However, it is your choice. Collision coverage is for the collision and Comprehensive (or Other than collision) coverage for theft, hail damage, vandalism or weather related loss. Therefore you have to decide whether you will take a risk or not. If you are ready to take a risk lost, then you don't have to take a collision or comprehensive coverage for your vehicle.
Check the following;
http://www.jollainsurance.com
It is worth that you should check the other companies for the lower premium to have a full coverage on your car. Once you enter your information, the several licensed local agents will contact you with their best quote for your needs.
You don't have to enter your information over and over again. So, you can compare the premiums including the current one, then you can choose the best one for you. |
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AmericaInsured
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Free Auto Insurance Quotes Here:
http://www.AmericaInsured.com
Find Out The Answers to all your Auto Insurance Qoustions while recieving a free Auto Insurance Quote. |
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lm050254
 |
N o, is not worthy. I would carry comprehensive because the premium shouldn 't be that high. The possibility of you being sued has nothing to do with full coverage. Most states require Liability which has nothing to do with collision and comprehensive |
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casinodog
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NO JUST CARRY PL AND PD.
WILL NOT BE AS MUCH |
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glock509
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wow thats high how old are you? |
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pj_malone
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Why pay so much for a car that is not worth it? |
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Chris
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Whether you can be sued for your personal assets has nothing to do with carrying full coverage. You have to carry liability coverage, and that's where your personal exposure comes in- if you cause damages to someone else and they claim against you.
The question here is if the van got totaled today, and you were either at fault, or there was no other person's insurance go against, could you replace the vehicle without need of payment by your insurance company? If you can say yes to that, then drop the collision and comp. It's getting to the age where it's not cost effective to carry full coverage. it's already over 7 years old. At that age, people normally consider or do drop the coverage. I would definitely drop it by the end of next year, as the value will have diminished significantly. |
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dorabell c
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mmm not really, but take it like this...if u get into a car accident and u r liable for more than ur current insurance (whether u go to liability or something else) covers, u r gonna end up paying for all that..doesn't matter if u have no real assets..i mean, bank accounts, mm ur monthly paycheck..they'll find ways to take th emoney...i would go with the full coverage (i have one) seemed to be somehow the best thing to do (even if it's expensive , i'm 22 lol only yeah a hazzard haha) |
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mbrcatz
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First of all, there's no such insurance term as "full coverage". If you ask ten agents what "full coverage" is, you'll get ten different subjective answers.
For some agents, all it means is liability and physical damage.
If you mean, should you carry liability, collision, and comprehensive coverage, then you need to make the decision yourself. Ask yourself, if this car gets stolen, can I replace it, if I have no theft coverage? If this car gets hit by another car, and totalled, and the other driver has no insurance, can I afford to replace it on my own?
If you can't afford to replace the car on your own, then yes, you should carry collision & comprehensive. You might be able to save 20% off of your collision premium if you increase your deductible to $1,000. |
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