求问只有learner permit insurance 选择了Geico 1000刀半年算便宜啊吗？

因为没有驾照，没有驾驶经验。
只有learner permit 需要一辆车上学买菜。
选择了2016款的四大神车honda

1000的6个月算便宜吗？ 求过来人解答。

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Bodily Injury Liability
$30,000/$60,000
Premium: $259.07
Property Damage Liability
$25,000
Premium: $359.25
Personal Injury Protection
Waived/$2,500 limit for guests
Premium: $29.80
Upgraded Accident Forgiveness
I decline
Premium: Not Included
Uninsured Motorist Bodily Injury
$30,000/$60,000
Premium: $22.41
Uninsured Motorist Property Damage
$25,000/$250 deductible
Premium: $10.20

Comprehensive
2016 Honda Civic Lx
$1,000 deductible
Premium: $26.14
Collision
2016 Honda Civic Lx
$1,000 deductible
. 1point 3 acresPremium: $313.67
Emergency Road Service
2016 Honda Civic Lx
I accept this coverage
Premium: $13.10
Rental Reimbursement
2016 Honda Civic Lx
I decline
Premium: Not Added

至少说一下在哪儿 保额多少 保不保comprehensive和collision吧

1000六个月 在我认识的新司机里面 是最便宜的了 强烈建议你不要为了省一点保费 只上state minimum 然后不带collision

车这个东西开起来 不出事故的话很便宜 但只要撞一下 就得几千块 够几年的保险和油钱 伤到人的话 大概率够辆车的钱

Bodily Injury Liability $30,000/$60,000，这个有点低了吧？如果真出了事故，美国医疗那个贵，可真不是开玩笑。 新鲜的站内帖子 https://www.1point3acres.com/bbs/thread-558401-1-1.html

如果真是想降低总的保费，换做是我，我会把Bodily Injury Liability和property调高至100k+和50k+，comprehensive之类的deductible调高，因为一旦出事故，后者是固定的支出，前面几个自己没法儿控制。

babybear68 发表于 2019-10-10 10:07
至少说一下在哪儿 保额多少 保不保comprehensive和collision吧

1000六个月 在我认识的新司机里面 是最便宜 ...

Bodily Injury Liability
$30,000/$60,000
Premium: $259.07
Property Damage Liability
$25,000
Premium: $359.25
Personal Injury Protection

===============
谢谢谢谢！！我不太懂 求分析！！
Waived/$2,500 limit for guests
Premium: $29.80
Upgraded Accident Forgiveness
I decline
Premium: Not Included
Uninsured Motorist Bodily Injury
$30,000/$60,000
Premium: $22.41
Uninsured Motorist Property Damage
$25,000/$250 deductible
Premium: $10.20

Comprehensive
2016 Honda Civic Lx
$1,000 deductible
Premium: $26.14
Collision
2016 Honda Civic Lx
$1,000 deductible
. Premium: $313.67
Emergency Road Service
2016 Honda Civic Lx
I accept this coverage
Premium: $13.10
Rental Reimbursement
2016 Honda Civic Lx
I decline
Premium: Not Added

我觉得算得，我刚拿到驾照买车的时候也是半年一千多

得说是否包含comprehensive 和collision以及deductible 多少。然后liability的额度多少...

OJASHAHAHA 发表于 2019-10-10 10:38
得说是否包含comprehensive 和collision以及deductible 多少。然后liability的额度多少...

因为我自己不太懂。。。。求分析！！

Bodily Injury Liability
$30,000/$60,000
Premium: $259.07
Property Damage Liability
$25,000
Premium: $359.25
Personal Injury Protection
Waived/$2,500 limit for guests
Premium: $29.80
Upgraded Accident Forgiveness
I decline
Premium: Not Included
Uninsured Motorist Bodily Injury
$30,000/$60,000
Premium: $22.41
Uninsured Motorist Property Damage
$25,000/$250 deductible
Premium: $10.20

Comprehensive
2016 Honda Civic Lx
$1,000 deductible
Premium: $26.14
Collision
2016 Honda Civic Lx
$1,000 deductible
Premium: $313.67
Emergency Road Service
2016 Honda Civic Lx
I accept this coverage
Premium: $13.10
Rental Reimbursement
2016 Honda Civic Lx
I decline
Premium: Not Added

算便宜的

mereyct 发表于 2019-10-9 18:45
因为我自己不太懂。。。。求分析！！

Bodily Injury Liability

comprehensive这个保险其实很便宜，deductible完全可以调最小，也贵不了多少。

感觉应该不算贵，考虑到你驾龄为零。按照一模一样的coverage去别的保险公司拿个quote比较一下就知道能否更便宜了

OJASHAHAHA 发表于 2019-10-10 11:05
comprehensive这个保险其实很便宜，deductible完全可以调最小，也贵不了多少。

感觉应该不算贵，考虑 ...

好！！谢谢了

mereyct 发表于 2019/10/10 10:46:24
Bodily Injury Liability
$30,000/$60,000
Premium: $259.07
Property Damage Liability
$25,000
Pr...

comprehensive和collision差不多够了 除非你住的地方有人砸玻璃 否则1000deductible正好 property damage可以考虑适当调高 看你对自己技术的把握