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Car insurance
- #1
-
- AAA
- 2020/11/01 13:41
車の保険金額が今年1月$269だったのが、11月からは$303になります。
車は3台で事故もスピード違反等のチケットも貰っていません。
車の保険は交渉とかして値下げできるのでしょうか。
- #9
-
- AAA
- 2020/11/02 (Mon) 08:38
- Report
#5,#7さんありがとうございます。
私は仕事を休職中なので以前よりは運転しなくなり、マイレージ申告して少しは安くなったと思ったのに、11月の更新で以前よりも高くなってなんだかなーって感じです(^_^;)
車は夫婦各1台と、夫の趣味の車で、この趣味の車は月に数回運転する程度です。
家の保険と一緒のところがやはり安くなるのですね。ぜひ検討してみます。🔓ありがとうございました!
- #10
-
- 昭和のおとっつぁん
- 2020/11/02 (Mon) 09:28
- Report
保険会社によって年間のマイレージは関係ない保険会社もあります。
選んだ保険会社がそのような仕組みになっているのでは。
- #11
-
- 倍金萬
- 2020/11/06 (Fri) 09:27
- Report
皆さん車の保険の総額で高い低いと語っていますが、これは何の意味もありません。つまり保険の総額は、
保険期間、
(各車の)
車種、
年式、
年間に乗るマイル数、
Deductible (控除免責金額)、
その車を運転する人数、年齢、事故率、
交通違反の内容と頻度、
自分と対相手の医療費、
自分の健康保険、
その他、
等で大きく変わります。特に Deductible はその都度自分の財布から出る金額で、500ドル、1,000ドル、それ以上、があり払う金額が高いほど全体の保険は低くなります。さらに自分側の総費用は自腹で対相手だけとなるとかなり安いです。
私も大昔、激しい追突をしてしまい相手が弁護士を使って1ミリオン$を吹っかけてきました。しかしこちらの保険会社(State Farm)も慣れたもんでうまく処理したのでしょう、次の年の保険料もあまり高くはなりませんでした。
またどなたかも言っていますが、持ち家の(火災)保険も混ぜると多少安くなります。私のところはエージェントを使わない分安い(とされる) AAA で地震保険も含めすべてを任せています。
- #12
-
- AAA
- 2020/11/06 (Fri) 10:21
- Report
State FarmからAAAにした理由はなんですか?
>私のところはエージェントを使わない分安い(とされる) AAA で地震保険も含めすべてを任せています。
AAAって安い部類なんですか?
- #13
-
値段だけで見たら、National Generalとかのほうが安いだろうけど、実際に事故ったときの処理については信用できるのかわからんね
事故になったら保険会社同士の話し合いになるから、いい加減な会社だと相手が悪い事故もうっかり自分の責任になりそう
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