Mr. Portnov, iz napisannogo vami ya pocherpnul nekie detali, naprimer pro ceni u raznix kompaniy, no moy opit po straxovaiu novenkix silno otlichaetsya ot togo chto vi napisali. Vi govorite chto obichno nevichkam ceni lupyat $1k+ tolko za liability…
Cherez 3 v USA, reshil kupit’ mashinu. Kupil za $6k, bedniy student torgovalsya za bank repossessed cars, v itoge poymal 2005 Sentra 1.8S. Iemya tolko permit pozvonil v GEICO.
Me: v USA nikogda ne vodil, tolko v EU, manual trans. Xochu deshevuu liability.
G: deshevego ne viydet, est’ po $500. Kakoy vash driver license number?
Me: moy nomer - xxxxxx.
G: o, u vas permit tolko, eto ploxo, experience v USA net, liability budet $600, nikto vam menshe ne dast.
Me: za $600 ya peshkom xodit’ budu, OR uydu k drugomu, Farmers, etc.
G: ne nado k drugomu. Tak vi govorite chto v EU vodili? Dolgo? Bez avariy?
Me: da, 6 let, bez.
G: a seychas vi kem rabotaete?
Me: grad student, soon will graduate.
G: grad govorite? Eto xorosho, you must be a responsible person. Mi dadim vam $250 liability of plus UIM.
Me: Konechno responsible. UIM mne nafig ne nuzhno.
G: nu togda tolko liability za $200 for 6 months. Vozhet my life insurance nuzhna?
Me: ne nuzhna, ya sobralsya zhit’ vechno, poka vse xorosho.
G: your SSN, zip, age, etc…
Vot primerno tak za 10 min ya kupil liability v NM za $197, imeya permit i ne imeya driving experience v USA. Seychas raz v 6 months zvonu im i bez vsyakix sporov poluchau sviy liability za $200, cherez god poproshu discount, ili better coverage.
Pered etim ya znal primernie ceni, friends pokupali tozhe tak, s permitom, bez exprience at all. Vse oni PhD students kotorim za 25. Ne znau pochemu, no kogda ti grad student, tebya uvazhaut kogda delo imeesh s bankom, insurance, rental car, credit cards, etc. American friends govoryat chto oni ozhidaut chto posle graduation priobretut sebe permanent clients.
Dlya sebya sdelal vivod:
-first car dolzhna bit’ deshevey = nizkie rasxodi.
-kogda budet driving/insurance experience, buy a decent car and search for a better insurance deal.
-ne menyay kompanii (kak i banki, credit cards), permanent client zarabatyvaut doverie i discounts.
-vsegda do your hw, znanie cenvix diapazonov pomozhet v peregovorax v agentom, eto kak pokupat’ mashinu znaya ee raznie ceni.
Dlya novichkov vse bivaet inogda gorazdo prosche i desehvle. Na etom thread bolshinstvo primerov pochemu to ne ochen’ udachnie.