Paragon Tire & Wheel Insurance
#11
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Joined: Dec 2007
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From: St. Louis Burbs, USA
My Ride: 2007 530i. Purchased 6/28/07. Titanium Silver Metallic, Black Dakota Leather, Dark Poplar Trim, Steptronic, Premium Package, Cold Weather Package, Bluetooth, Adaptive Control Xenons. 10/30/07 Added OEM 124s with 245/40/18 & 275/35/18 Michelin Pilot Sport A/S tires. Installed red Cal Covers� from BavAuto. 11/21/07 Added OEM all-weather floor mats (for winter, carpet in summer) and coat rack. 6/26/08 installed M5-style rear spoiler. 6/30/08 put on red reflectors. 8/22/08 Euro turn signal stickers applied. 3/20/09 Installed Shadowline Trim. 3/27/09 Added Matte Black Kidney Grilles from Trinity. 4/03/09 Installed Bimmian Shadow Matte Black 530i Badges. 4/04/09 Installed LED license plate lights from Trinity. 5/01/09 Installed Brabus Interior LED Kit and White Angel Eyes. 5/02/09 Put in Brabus 6K Fogs. 5/14/09 Removed charcoal filter. 5/15/09 Installed light smoke LED side marker lamps from Trinity. 5/21/09 Sprint Booster. 6/12/09 Painted exhaust tips flat black. 6/13/09 Pulled red Cal Covers and painted calipers low gloss black. 6/27/09 RPI Ram Air Scoop from Trinity. 8/15/09 Installed Brabus's silver invisibulbs front and rear. 9/24/09 Installed R-Dash license plate LEDs from Brabaus (John).
Originally Posted by luigi524td' post='1029275' date='Oct 10 2009, 12:20 PM
When I got my renewal notice from Paragon last year it went from $27/yr to about $150. I decided to lower the comprehensive on my auto policy from $500 to $250 - that cost me $60 for 3 cars! That turns out to be a better deal for me and now it's as though I've got W&T coverage on 3 cars so the possible $250 out of pocket isn't such a big deal! And comprehensive coverage applies to more than rims and rubber!
Think about that strategy now that Paragon is getting out of that coverage.
Think about that strategy now that Paragon is getting out of that coverage.
#12
Originally Posted by CWS530' post='1029286' date='Oct 10 2009, 01:32 PM
I'll have to check with my insurer, Lou. Maybe I can get a similar deal. Since April I've been "self-insured" on W&T.
#13
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Joined: Jan 2007
Posts: 1,315
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From: NJ, USA
My Ride: 2006 525i, Premium,Cold,Xenon Packages
Originally Posted by luigi524td' post='1029275' date='Oct 10 2009, 01:20 PM
When I got my renewal notice from Paragon last year it went from $27/yr to about $150. I decided to lower the comprehensive on my auto policy from $500 to $250 - that cost me $60 for 3 cars! That turns out to be a better deal for me and now it's as though I've got W&T coverage on 3 cars so the possible $250 out of pocket isn't such a big deal! And comprehensive coverage applies to more than rims and rubber!
Think about that strategy now that Paragon is getting out of that coverage.
Think about that strategy now that Paragon is getting out of that coverage.
I never used Insurance before, not sure how it all works.
#14
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Joined: Dec 2007
Posts: 8,998
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From: St. Louis Burbs, USA
My Ride: 2007 530i. Purchased 6/28/07. Titanium Silver Metallic, Black Dakota Leather, Dark Poplar Trim, Steptronic, Premium Package, Cold Weather Package, Bluetooth, Adaptive Control Xenons. 10/30/07 Added OEM 124s with 245/40/18 & 275/35/18 Michelin Pilot Sport A/S tires. Installed red Cal Covers� from BavAuto. 11/21/07 Added OEM all-weather floor mats (for winter, carpet in summer) and coat rack. 6/26/08 installed M5-style rear spoiler. 6/30/08 put on red reflectors. 8/22/08 Euro turn signal stickers applied. 3/20/09 Installed Shadowline Trim. 3/27/09 Added Matte Black Kidney Grilles from Trinity. 4/03/09 Installed Bimmian Shadow Matte Black 530i Badges. 4/04/09 Installed LED license plate lights from Trinity. 5/01/09 Installed Brabus Interior LED Kit and White Angel Eyes. 5/02/09 Put in Brabus 6K Fogs. 5/14/09 Removed charcoal filter. 5/15/09 Installed light smoke LED side marker lamps from Trinity. 5/21/09 Sprint Booster. 6/12/09 Painted exhaust tips flat black. 6/13/09 Pulled red Cal Covers and painted calipers low gloss black. 6/27/09 RPI Ram Air Scoop from Trinity. 8/15/09 Installed Brabus's silver invisibulbs front and rear. 9/24/09 Installed R-Dash license plate LEDs from Brabaus (John).
Originally Posted by luigi524td' post='1029293' date='Oct 10 2009, 12:35 PM
That's a bummer ... our NJ roads are as lousy as our politicians - are things any better in St Louie?
I'm sure the politicians are crooked. I don't think it's possible for it to be any other way.
#15
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Joined: Jun 2007
Posts: 1,845
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From: Atlanta, GA
My Ride: 2008 535i:
(8/07 Build) Metallic Bronze, Beige NASCA Leather, Ventilated Seats, Sport Pkg, Cold Wxr Pkg, Logic-7 Sound, HUD, Night Vision, PDC, Split Rear Seats, NAV, Premium Pkg, Comfort Access, HD Radio, Sport Auto Trans
Current mods: M-Aero Kit, JB4, Motorcepts 6000k HID Foglamps
Umnitza ICE-Lite 10w LED 6000k AE's
1992 Camaro RS:
Fully Restored w/Custom Interior, 5.0L V8, T-tops, OEM Z28 Foglamps, Inst Cluster, & Spoiler, Custom Sound, Too many engine mods to list
Originally Posted by coolguy' post='1029449' date='Oct 10 2009, 06:07 PM
If you use comprehensive coverage, the premiums will go up right.. I have AllState and I lowered the comprehensive to $0 I think. Is it best for me to claim $200+ through AllState comprehensive coverage?
I never used Insurance before, not sure how it all works.
I never used Insurance before, not sure how it all works.
Comprehensive is broken down into two categories: Theft and Collision
Theft is self explanatory.
Collision is what you use to file a claim for any damage to your car that is not covered by any other section of your policy. Anytime you use comprehensive-collision coverage to pay for a repair your premium is going to increase. Comprehensive is also the most expensive part of your insurance premium. You would probably save a few hundred bucks a year if you raised your deductible from $0 to $500.
Personally, I always keep my collision deductible at $1,000 and accept paying out of pocket for any damage that costs less. Then again - I no longer live in the Tri-state area.....
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