Page 1 of 2 12 LastLast
Results 1 to 25 of 36

suggestions for car insurance with shitty driving record

  1. #1
    Lifer tsorfas's Avatar
    Join Date
    Sep 2011
    Location
    in my own little world...
    Posts
    9,572

    suggestions for car insurance with shitty driving record

    and liberty had enough of me. they wont renew me this year. need new insurance ASAP.
    Im getting quotes at $10k.year for 4 vehicles...

    1 Not allowed!

  2. #2
    Permanent N00b -Dutch-'s Avatar
    Join Date
    Feb 2014
    Location
    Pawtucket, RI
    Posts
    665

    Re: suggestions for car insurance with shitty driving record

    If it's that bad, you might think about going to a broker and having them do the dirty work.

    1 Not allowed!

  3. #3
    Lifer tsorfas's Avatar
    Join Date
    Sep 2011
    Location
    in my own little world...
    Posts
    9,572

    Re: suggestions for car insurance with shitty driving record

    Yeah it's not much better through them either lol

    0 Not allowed!

  4. #4
    Day late, dollar short carsick's Avatar
    Join Date
    Nov 2011
    Location
    Cabot, VT
    Posts
    2,909

    Re: suggestions for car insurance with shitty driving record

    I didn't know IOM reported to US car insurance companies. That's harsh.

    1 Not allowed!
    99 + 02 SV650 ex-race - 91 FJ1200 street - 03 KDX220R woods - 12 WR450F motard/ice

  5. #5
    Senior Member TwelveGaugeSage's Avatar
    Join Date
    May 2017
    Location
    Palmer, MA
    Posts
    451

    Re: suggestions for car insurance with shitty driving record

    Are you looking for full coverage or state minimums? Do any of your vehicles have liens? How is your credit?

    0 Not allowed!

  6. #6
    Lifer Chippertheripper's Avatar
    Join Date
    Jul 2009
    Location
    the fairest of havens
    Age
    39
    Posts
    12,484

    Re: suggestions for car insurance with shitty driving record

    Stop driving like an asshole.

    4 Not allowed!
    Cliff's Cycles KTM
    NETRA enduro B-vet
    Close your eyes, look deep in your soul, step outside yourself and let your mind go.

  7. #7
    Lifer tsorfas's Avatar
    Join Date
    Sep 2011
    Location
    in my own little world...
    Posts
    9,572

    Re: suggestions for car insurance with shitty driving record

    Quote Originally Posted by TwelveGaugeSage View Post
    Are you looking for full coverage or state minimums? Do any of your vehicles have liens? How is your credit?
    3/4 are financed so they require full coverage. Credit is mid high 700s

    - - - Updated - - -

    Quote Originally Posted by Chippertheripper View Post
    Stop driving like an asshole.
    Massive help. Thanks.

    0 Not allowed!

  8. #8
    Senior Member TwelveGaugeSage's Avatar
    Join Date
    May 2017
    Location
    Palmer, MA
    Posts
    451

    Re: suggestions for car insurance with shitty driving record

    With your credit, you should be able get at least one if not multiple vehicles covered on a Lightstream loan. Their rates are usually right around the lowest in the industry AND they are unsecured, which means no lien, which also means you could go state minimums if you want to take the risk. At $10,000 per year on insurance, it definitely sounds like a worthwhile risk, but it will depend on what the minimum coverage costs you too. Check out Private Party Auto Loans - LightStream

    You should also check prices with every company you can find for insurance. Pick up a phone book if you have to.

    1 Not allowed!

  9. #9

    Re: suggestions for car insurance with shitty driving record

    So I am guessing you checked combining it with other policies?

    Ie. Check home owners insurance to add cars to bundle...AAA auto insurance...etc.

    Can you downsize the fleet into used vehicles and consolidate duties. Ie. Get used pickup truck for bike/commuting duties...or put all your Moto duties in an enclosed trailer

    0 Not allowed!
    Last edited by breakdirt916; 06-23-17 at 10:54 PM.
    FREE $10 UBER CREDIT W' PROMO CODE --> PON41
    1994 Yamaha YZ250 CA Street Legal 2-smoke
    instagram @veshlife

  10. #10
    Lifer tsorfas's Avatar
    Join Date
    Sep 2011
    Location
    in my own little world...
    Posts
    9,572

    Re: suggestions for car insurance with shitty driving record

    Racing is done after this for a while. Ambulance is for sale.
    Downsizing more than that is not an option right now for other reasons.

    0 Not allowed!

  11. #11

    Re: suggestions for car insurance with shitty driving record

    Can you describe this ruckus?

    1 Not allowed!

  12. #12
    Senior Member Philkinson's Avatar
    Join Date
    Jun 2012
    Location
    Warwick, RI
    Age
    31
    Posts
    421

    Re: suggestions for car insurance with shitty driving record

    Esurance is pretty cheap... Cut my bill in half

    Sent from my SM-G920T using Tapatalk

    0 Not allowed!
    CCS/LLRS AM #642

    2015/2016 NESR Fantasy Road Race CHAMPION

  13. #13
    Member
    Join Date
    Jun 2016
    Location
    Foxboro
    Posts
    59

    Re: suggestions for car insurance with shitty driving record

    I am genuinely curious what you could have done to have such high rates/not get renewed. I'm rockin 7 points currently with an immediate threat suspension and can still get very reasonable coverage on my bikes and cars. I pay about $450 annually to insure my gsxr1000/gsxr600/ninja 250 (no collision or comprehensive obviously. just bare minimum liability), around $600 for my miata (got comprehensive, no collision), and $1500 for full comprehensive and collision on a 2013 328i and 2016 transit 250. all with liberty mutual

    0 Not allowed!

  14. #14
    Lifer Kenn157's Avatar
    Join Date
    Apr 2009
    Location
    Salisbury Beach, MA
    Posts
    5,750

    Re: suggestions for car insurance with shitty driving record

    Take off fire and theft on what ever vehicle the bank doesnt own...

    0 Not allowed!

  15. #15
    Angry Gumball RandyO's Avatar
    Join Date
    Jul 2001
    Location
    Farmington, NH
    Age
    66
    Posts
    12,715

    Re: suggestions for car insurance with shitty driving record

    move to a better zip code

    2 Not allowed!
    RandyO
    IBA#9560
    A man with a gun is a citizen
    A man without a gun is a subject

  16. #16
    Just Registered JohnnyV's Avatar
    Join Date
    Aug 2006
    Location
    Westborough, MA
    Age
    34
    Posts
    4,125

    Re: suggestions for car insurance with shitty driving record

    My mother works at an agency in Worcester if you want to speak with an actual person regarding your options. PM me if you want their/her info

    0 Not allowed!

  17. #17
    BMW track whore e30addict's Avatar
    Join Date
    Jun 2008
    Location
    I93/495
    Age
    42
    Posts
    5,822

    Re: suggestions for car insurance with shitty driving record

    If the infractions are older check with Progressive. I doubt believe they look as far back as the others.

    Liberty is $$$$$$$ compared to others. They wanted as much for one car as I have for 3 at Plymouth Rock. Crazy.

    0 Not allowed!
    2012 Tiger 800, 2007 DR650, 2012 WR250R

  18. #18
    Lifer tsorfas's Avatar
    Join Date
    Sep 2011
    Location
    in my own little world...
    Posts
    9,572

    Re: suggestions for car insurance with shitty driving record

    After extensive research and talking to mant agents seems that Worcester is a big part of the problem. I'm talking like 250% higher comparing to moving 300 ft north.

    0 Not allowed!

  19. #19
    Lifer tsorfas's Avatar
    Join Date
    Sep 2011
    Location
    in my own little world...
    Posts
    9,572

    Re: suggestions for car insurance with shitty driving record

    Quote Originally Posted by mickdaddy View Post
    I am genuinely curious what you could have done to have such high rates/not get renewed. I'm rockin 7 points currently with an immediate threat suspension and can still get very reasonable coverage on my bikes and cars. I pay about $450 annually to insure my gsxr1000/gsxr600/ninja 250 (no collision or comprehensive obviously. just bare minimum liability), around $600 for my miata (got comprehensive, no collision), and $1500 for full comprehensive and collision on a 2013 328i and 2016 transit 250. all with liberty mutual
    Not sure they are targeting Worcester residents but make sure they will allow you to renew this year.
    I was told they won't renew me because I am considered high risk driver (8 points and paying already 3.5 times what you said living in Worcester)

    - - - Updated - - -

    Quote Originally Posted by e30addict View Post
    If the infractions are older check with Progressive. I doubt believe they look as far back as the others.

    Liberty is $$$$$$$ compared to others. They wanted as much for one car as I have for 3 at Plymouth Rock. Crazy.
    Progressive is the 3rd most expensive quote I got so far. And I got a lot of quotes. Lol

    0 Not allowed!

  20. #20
    Senior Member AEG's Avatar
    Join Date
    Aug 2012
    Location
    Simsbury, CT
    Posts
    631

    Re: suggestions for car insurance with shitty driving record

    Quote Originally Posted by e30addict View Post

    ...
    They wanted as much for one car as I have for 3 at Plymouth Rock. Crazy.
    Hope you never need to file a claim against those fuckers. But they will gladly take your money.

    0 Not allowed!

  21. #21
    Lifer
    Join Date
    Aug 2007
    Posts
    2,078

    Re: suggestions for car insurance with shitty driving record

    Quote Originally Posted by AEG View Post
    Hope you never need to file a claim against those fuckers. But they will gladly take your money.
    Plymouth Rock has always been amazing to me when I had them back in Mass.

    0 Not allowed!

  22. #22
    Lifer SteveM's Avatar
    Join Date
    Aug 2009
    Location
    Norwell, MA
    Age
    58
    Posts
    2,210

    Re: suggestions for car insurance with shitty driving record

    Location is always critical, multiple vehicles with loans increases the coverages you need to carry and the points cost you money.

    But all of those things will allow the insurer to make MORE money from you if there are no claims. Unless there's is a move toward stricter risk underwriting, or somebody at Liberty has decided they have pushed their luck as far as their willing to go,the most logical reason for non-renewal would be a claim history in which they were losing money.

    Have you had to make claims against the policy.

    0 Not allowed!

  23. #23
    Lifer tsorfas's Avatar
    Join Date
    Sep 2011
    Location
    in my own little world...
    Posts
    9,572

    Re: suggestions for car insurance with shitty driving record

    0 claims in 4 years I am with them.
    Recently we were involved in an accident and the other driver had Liberty and ended up responsible 100% at fault. About 2 months ago.

    0 Not allowed!

  24. #24
    Lifer
    Join Date
    Aug 2008
    Location
    holland ma.
    Posts
    1,216

    Re: suggestions for car insurance with shitty driving record

    I know its not for everyone but when i was living in boston my insurance was crazy crazy high, worse than yours. What i did was rent a room out in western mass in a low risk town and then used that as my garaging address. I think i was paying $200 a month for a room i never really used but i was saving over $500 a month on insurance. Over time i saved 10's of thousands of dollars. Now i live in that town and continue to enjoy cheap everything.
    You should also be looking into maximizing your discounts with alarms, combo policys and whatever else you can find and adjusting your deductables where you can maybe even split up policys. I have my bikes with progressive, some cars with geico, some cars with a specialty company that insures unique cars and my houses bundled together with travelers. No one company could come close to insuring them all under one roof and be cost competitive.

    1 Not allowed!

  25. #25
    Backwoods lobster boy number9's Avatar
    Join Date
    Aug 2005
    Location
    Hanover, NH
    Posts
    3,560

    Re: suggestions for car insurance with shitty driving record

    Quote Originally Posted by boosten lebaron View Post
    I know its not for everyone but when i was living in boston my insurance was crazy crazy high, worse than yours. What i did was rent a room out in western mass in a low risk town and then used that as my garaging address. I think i was paying $200 a month for a room i never really used but i was saving over $500 a month on insurance. Over time i saved 10's of thousands of dollars. Now i live in that town and continue to enjoy cheap everything.
    Yeah, but the problem with this is you're perilously close to insurance fraud.

    3 Not allowed!
    '08 Ducati HyperMotard 1100S, '14 Subaru XV Crosstrek

Page 1 of 2 12 LastLast

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •