Moon Dance

比較有聽過的大保險公司
ALL State, Farmer, State Farm, Esurance, Safeco, GE autoinsurance, WAWANESA, AAA, Progressive, Geico, Prudential, Liberty

學一些買汽車保險的專有名詞吧
http://www.edmunds.com/advice/insurance/articles/43773/article.html
http://www.statefarm.com/insurance/auto_insurance/ins_auto_type.asp

Minimum liability limits are read as follows (in thousands of dollars): bodily injury liability for one person in an accident/bodily injury liability for all people injured in an accident/property damage liability for one accident. (付對方 per person/per accident/property )
NY: 25/50/10. DE: 15/30/5.

Personal Injury Protection (PIP), or Medical Payments (MedPay) in some states, pays for your own medical expenses, any lost wages and whatever other costs may arise when you're injured in an accident. It usually pays about 80 percent of your losses, and it also pays a death benefit. PIP is required in Colorado, Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.(付自己醫療, 不管誰錯)
NY: require. DE: require.

Uninsured/Underinsured Motorist coverage(UMBI) insures you, your resident relatives, and the passengers in your covered vehicle. It applies to damages such as medical bills, lost wages, and pain and suffering resulting from bodily injuries caused by an at-fault motorist who has insufficient or no liability coverage. (對方錯但保險不夠賠,付自己醫療)
Uninsured/Underinsured motorist coverage required?
NY: Yes. DE: No.

Uninsured Motorist Property Damage coverage insures your covered vehicle or property.
These coverages only apply if it is determined that the other driver is at fault and has insufficient or no liability coverage. It applies to vehicle and property damage caused by an uninsured at-fault motorist. If this coverage applies in a an accident, you will be required to pay $250 deductible, and the company will pay for any additional costs that apply under this coverage. This coverage only applies if you select a limit with the $250 deductible. (對方錯但保險不夠賠,付自己車身(前$250自己付))

Uninsured/Underinsured motorist coverage required?
NY: Yes. DE: No.

Collision covers damage to the policyholder's car resulting from running into anything, be it another car, a fire hydrant, a light post, whatever. (付自己車身撞到任何東西)

Comprehensive coverage takes care of your car in the case of theft, fire, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion, among other things (like what? Alien invasion, we guess). (遭竊,天災)

Here comes the bargain time....
First, tell them You have International Driving License since you were 18, and ask them whether they can count IDL or Foreign DL.
2. If you are a graduate student, some companies (ex, Geico) provide discount (10%) for member of National Graduate Students Association. Tell them about your membership, such as IEEE
3. Ask for GOOD STUDENT DISCOUNT (tell them your GPA is higher than 3.5)
4. Ask for Credit Affliance discount, like Liberty provides 10% off for Capital One Card Holder
5. Some companies even give you discount if you pay in Full Amount.



Geico $457.7 (effective Feb 27, 2009)
Liability 50/100/25
PIP: 15/30
UMBI: bodily 50/100, property 10, $250 deductible
Comprehensive: none
Collision: none

Progressive $355 (effective Feb 26, 2009)
Liability 50/100/25
PIP: 25/50, $250 deductible
UMBI: bodily 50/100, property 25, $250 deductible
Comprehensive: none
Collision: none