[Chris C 1SS 1LE]

Originally Posted by Emoto

Yeah, rates in the NY metro area are brutal. Gotta get out into the country a little bit before they get any better.

Wife is from Brockton and I go up that way for biz travel now and again. IMO everything up there is brutal $$$. Traffic, all of it. Guess you get used to it.

I'd probably want a beater truck for a DD Hoop-d.

[Chris C 1SS 1LE]

Also...I've found not all insurance is created equal. There is some of the you get what you pay for. This new car replacement BS is one I've found to be a scam. USAA and IMO State Farm tend to b on Cadillac side of things. Neighbor has GEICO and seems OK �� too. Neighbor just had is 2015 vette totalled. USAA had a check to him in a week for retail value plus TTL.

Many times best to consider filing claim on your own then let yours subrogate to at fault party. Faster too.

YRMV. Just sharing my experiences.

[Chris C 1SS 1LE]

Originally Posted by Kratz74

I think he means people with no insurance or valid licenses drive up premiums. Thx is known for those 2 issues in the p &c market.

Yep. Back when I lived in SA the going rate was 50% have no insurance. So we pay more for uninsured motorist. I should stop now before I get started...

[Kratz74]

Originally Posted by Chris C 1SS 1LE

Yep. Back when I lived in SA the going rate was 50% have no insurance. So we pay more for uninsured motorist. I should stop now before I get started...

Where I live the biggest reported crime (no joke) are hit and runs. Crazy world we live in. Be careful. But depending on ones location risk etc, y’all may want to check coverage options.