I went to nationwide yesterday and asked about lowering my deductable for vandalism (comprehensive) and to my surprise it was $58 bucks more every six months. The agent said everybody that works there takes advantage of this. She also said they dont advertise this to much.

Seems like a deal to me. And I dont worry as much about the car now.

Just trying to bring this option up to fellow Z owners.

 

hmm... i wonder if other insurance company's have this kinda deal!

 

..interesting!

 

one would assume this means, in my situation, if someone hits the rear end corner of your car and hit & runs... leaves no note or anything (just a huge ****ing impaled dent in the back right bumper portion underneath the gascap)

 

I went to nationwide yesterday and asked about lowering my deductable for vandalism and to my surprise it was $58 bucks more every six months.

Interesting thought. I went online to get a quote change with GEICO and found that changing comprehensive from $500.00 deductible to $50.00 costs $49.30 for the 6 month poicy. That's $8.21 a month.
Something to think about.
Changing deductible on collision is another story.

 

Interesting thought. I went online to get a quote change with GEICO and found that changing comprehensive from $500.00 deductible to $50.00 costs $49.30 for the 6 month poicy. That's $8.21 a month.
Something to think about.
Changing deductible on collision is another story.[/QUOTE]

 

ok, ok, I suck at posting........

 

What exactly does the policy define as vandalism?

 

No, that's an accident (hit and run). Vandalism is where somebody keys your car, punctures your tire, takes a baseball bat to the windows, etc.

 

According to GEICO,
"Comprehensive coverage pays for loss or damage to your vehicle caused by fire, theft, vandalism, hail, windstorm, riot, falling objects, flood, and other events as stated in your policy contract. Comprehensive is an optional coverage. In deciding whether you wish to carry comprehensive, you may want to consider the present value of your vehicle and the cost of the coverage."

Def of vandalism probably varies w/ each co.

 

I would like to believe you. Scan and post your policy showing a separate charge for vandalism. Thanks.

 

subbing so i remember to call my agent soon

 

just called USAA, it would cost me 16 bucks a month and be 100$ deductable due to NJ being a much higher insurance rate than central FLA

 

Coverages 2006 NISSAN 350Z - JN1AZ34D56Mxxxxxx
Coverage Limit Deductible Premium

BODILY INJURY LIABILITY $15,000/$30,000 N/A $82.30

RENTAL REIMBURSEMENT $750 NON-DED $12.20

PROPERTY DAMAGE LIABILITY $20,000 N/A $72.20

PERSONAL INJURY PROTECTION -INSURED WITH EXCLUDED WORK LOSS OPTION N NON-DEDUCTIBLE $79.50

MEDICAL PAYMENTS $1,000 N/A $9.60

UNINSURED MOTORIST - NONSTACKED $15,000/$30,000 N/A $46.20

COMPREHENSIVE N/A $500 DED. $84.00

COLLISION N/A $500 DED. $217.00

EMERGENCY ROAD SERVICE FULL NON-DEDUCTIBLE $6.60

Vehicle Total: $609.60


Total Premium: $609.60


______________________________________________

Coverages 2006 NISSAN 350Z - JN1AZ34D56Mxxxxxx

Vehicle Specific Coverages Premium Limits/Deductibles
BODILY INJURY LIABILITY CURRENT: $82.30 $15,000/$30,000
QUOTE: $82.30 $15,000/$30,000

RENTAL REIMBURSEMENT CURRENT: $12.20 $750
QUOTE: $12.20 $750

PROPERTY DAMAGE LIABILITY CURRENT: $72.20 $20,000
QUOTE: $72.20 $20,000

PERSONAL INJURY PROTECTION -INSURED WITH EXCLUDED WORK LOSS CURRENT: $79.50 OPTION N NON-DEDUCTIBLE
QUOTE: $79.50 OPTION N NON-DEDUCTIBLE

MEDICAL PAYMENTS CURRENT: $9.60 $1,000
QUOTE: $9.60 $1,000

UNINSURED MOTORIST - NONSTACKED CURRENT: $46.20 $15,000/$30,000
QUOTE: $46.20 $15,000/$30,000

COMPREHENSIVE CURRENT: $84.00 $500 DED.
QUOTE: $133.30 $50 DED.

COLLISION CURRENT: $217.00 $500 DED.
QUOTE: $217.00 $500 DED.

EMERGENCY ROAD SERVICE CURRENT: $6.60 NON-DEDUCTIBLE
QUOTE: $6.60 NON-DEDUCTIBLE


Total Vehicle Premium: CURRENT: $609.60
QUOTE: $658.90


Total Policy Premium CURRENT: $609.60
QUOTE: $658.90

 

^^^ I don't see anything in that policy coverage that mentions vandalism.

 

I have been in insurance for years now. Like 7 years. I have never heard of this vandilism coverage you speak of. I have never seen it listed on the insurance i sell and the company i work for is bigger than most other companies in the US. we are like 3rd or so i think. You are probably talking about comprehensive coverage.

 

* Bodily Injury:

* Property Damage:

* UM/UIMBI :

* UM/UIMPD :

* MEDICAL COVERAGE :

* COMPREHENSIVE :

* COLLISION :

* GLASS DEDUCTIBLE BUYBACK :

* TOWING :

* COLLISION PLUS/LOSS OF USE :

* EXTENDED THEFT TO STEREO/TAPES/CB :

* RESIDUAL DEBT COVERAGE :

* CONTENTS - FIRE COVERAGE :

* AUTO DEATH IND & SPECIFIC DISABILITY :

* SINGLE LIMIT BIPD :

* GUARANTEED BENEFITS COVERAGE :

* DRIVE OTHER CAR WITH PRIMARY :

* DRIVE OTHER CAR WITHOUT PRIMARY :

* SINGLE LIMIT BDOC W/PRIMARY :

* SINGLE LIMIT BDOC W/O PRIMARY :

* GUARANTEED BENEFITS ON DOC :

* MEDICAL ON DOC :

* FIRE/ THEFT & UPSET FARM MACHINERY :

* GLASS ON FARM MACHINERY :

* BROAD FORM LIENHOLDERS SINGLE INTEREST :

* RENTAL PKG-- MH/TRK/VAN CAMPER :

* RENTAL TRAILER/CAMPER UNIT :

* UM SINGLE LIMIT :


Nope no vandilism on there, your insurance agent is just trying to make you feel special lol. If i were you i would get extended contents coverage i have 2500$ of content coverage on my z to cover stero equitment and what ever else i may have in it, if it gets robbed.

 

I'm thinking Nucleus is trying to say is that like all ins. policies, vandalism is part of comprehensive. He should have initially stated a reduced charge for comp, not vandalism.

Really should not be such a confused issue.....

 

LOL. Neither do I.

This is just a simple change in the deductible for Comprehensive. It may be a good idea for some members but hardly a trade secret.

 

Just out of curiosity, (I've never claimed on comprehensive before) does your premium go up once you file a claim? (for maybe like a shopping cart running into the door, etc)