re: Buying, Owning, Driving and Maintaining a car in North America Quote:
Originally Posted by arindamray I picked-up a car yesterday. the quote (for only third party) was as low as $61/month, but not having a US license, made it to $140/month. So if there is anyway to reduce it - let me know.
Some photos of the car below. Its Mitsubishi Eclipse Spyder GS, 2002, Silver w/ black top. |
Congrats on your buy. Its a great car. My friend had a stick shift. It was hoot to drive. What's yours?
$140/MO is too much. Its daylight robbery. Talk to other insurance companies. My friend had a farmer's insurance for just third party for $35/mo a year ago with new US license. Talk to other companies i have listed below. Quote:
Originally Posted by bala80 Thanks for your tips on Insurance. So, can I safely conclude geico and progressive offers you the best rates out of which geico is a preferred one. And as VV had suggested, do I re-negotiate the rates for insurance after 3 to 6 months or so? How does it work?
Also, a little more on the choice of cars you had mentioned below. I'm currently researching on these to shortlist a few for TD when I arrive there. My priorities are relibility, good driving dynamics (amongst the class, not expecting sedan like handling), fuel efficiency and maintanence cost. If you have any additional suggestions, please do let me know. I'm very new to this segment and hence my knowledge is very limited. |
Progressive is supposed to be the most expensive insurance. But they are pretty good and so is geico. There are plenty of other options so its not necessary that you go with either of these two. You will have to hunt. You don't need to re-negotiate. After one month, if you go to other insurance company, they will give you better rate compared to current one. And each month your rate will lower and if you relocate, it will go down too.
Some insurance companies that come to my mind are farmers, geico, progressive, aaa, state farm, nationwide, esurance, all state. There will be small insurance companies too local to state and city. You can get their quotes too. What i would do, i would take quotes online. Talk to their agent on phone or in person and see what they can do to lower it. It has worked pretty well so far. Right now i am paying $85/mo for 2 cars with 100% coverage from Geico. ![Big Grin](https://www.team-bhp.com/forum/images/smilies/biggrin.png) It started with me paying $110/mo for 2 cars in september 2011.
As for the cars, you didn't mention if you want to go pre-owned route or new. If i were you, i had stick with a pre-owned Japanese SUV/Xover/Sedan. One can always experiment with better cars some 6 months down the lane as you may later require a second car for your wife. CRV, Rav4, CX-7, Forester will satisfy most if not all of your requirements. Then you have Santa-Fe, Tucson, Sorento. You can easily find such pieces for good pre-owned prices. You can check these suvs out when you are here and see which one fits your need. Go from there.
MSN and AOL autos usually give good reliability charts. Go through them. You will get a brief idea of what to expect from all SUVs.
Last edited by chevelle : 9th April 2012 at 21:06.
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