u/bradykp

So, NJM is doing a significant rate increase for the second year in a row. I know - they all are. But....I called allstate at the recommendation of a neighbor and the agent I spoke to told me a couple of things for Home+Auto and I'm wondering what other NJ folks do:

Home: for home, allstate is a bit more expensive than NJM $2,100 vs $1600 annually

1. Replacement cost: NJM is $740k, Allstate would be $775k
2. Personal Liability: NJM is at $100k he says i should be at $300k or $500k - and consider an umbrella policy
3. Allstate includes water backup and service lines and it appears as though NJM does NOT

Auto:

1. He asked why i have NJM "medical expense only" and said i should change it to my health insurance primary and not deal with auto insurance covering healthcare costs
2. Allstate doesn't have glass coverage but he said he could change my comprehensive deductible to $0 and essentially that gets me glass coverage and no deductible for other comprehensive claims.
3. Allstate doesn't offer $50/day for car rental, but does have an option for $800 reimbursement to spend on "whatever" (car rental, uber, etc)
   4.Uninsured/underinsured - he says i have too much coverage because my cars aren't worth $100k so drop it to $50k per incident. more than covers my cars
4. Uninsured/Underinsured Bodily injury - currently have 250/500 he says drop to 100/300.

Add in the "drive live" discount and he quotes me down to $1500 every 6 months, $1425 if i pay in full. which is like $1800 cheaper than my new quote with NJM. Seems like a no brainer to switch. Any reasons to stay with NJM?

So, NJM is doing a significant rate increase for the second year in a row. I know - they all are. But....I called allstate at the recommendation of a neighbor and the agent I spoke to told me a couple of things for Home+Auto and I'm wondering what other NJ folks do:

Home: for home, allstate is a bit more expensive than NJM $2,100 vs $1600 annually

1. Replacement cost: NJM is $740k, Allstate would be $775k
2. Personal Liability: NJM is at $100k he says i should be at $300k or $500k - and consider an umbrella policy
3. Allstate includes water backup and service lines and it appears as though NJM does NOT

Auto:

1. He asked why i have NJM "medical expense only" and said i should change it to my health insurance primary and not deal with auto insurance covering healthcare costs
2. Allstate doesn't have glass coverage but he said he could change my comprehensive deductible to $0 and essentially that gets me glass coverage and no deductible for other comprehensive claims.
3. Allstate doesn't offer $50/day for car rental, but does have an option for $800 reimbursement to spend on "whatever" (car rental, uber, etc)
   4.Uninsured/underinsured - he says i have too much coverage because my cars aren't worth $100k so drop it to $50k per incident. more than covers my cars
4. Uninsured/Underinsured Bodily injury - currently have 250/500 he says drop to 100/300.

Add in the "drive live" discount and he quotes me down to $1500 every 6 months, $1425 if i pay in full. which is like $1800 cheaper than my new quote with NJM. Seems like a no brainer to switch. Any reasons to stay with NJM?

So, NJM is doing a significant rate increase for the second year in a row. I know - they all are. But....I called allstate at the recommendation of a neighbor and the agent I spoke to told me a couple of things for Home+Auto and I'm wondering what other NJ folks do:

Home: for home, allstate is a bit more expensive than NJM $2,100 vs $1600 annually

1. Replacement cost: NJM is $740k, Allstate would be $775k
2. Personal Liability: NJM is at $100k he says i should be at $300k or $500k - and consider an umbrella policy
3. Allstate includes water backup and service lines and it appears as though NJM does NOT

Auto:

1. He asked why i have NJM "medical expense only" and said i should change it to my health insurance primary and not deal with auto insurance covering healthcare costs
2. Allstate doesn't have glass coverage but he said he could change my comprehensive deductible to $0 and essentially that gets me glass coverage and no deductible for other comprehensive claims.
3. Allstate doesn't offer $50/day for car rental, but does have an option for $800 reimbursement to spend on "whatever" (car rental, uber, etc)
   4.Uninsured/underinsured - he says i have too much coverage because my cars aren't worth $100k so drop it to $50k per incident. more than covers my cars
4. Uninsured/Underinsured Bodily injury - currently have 250/500 he says drop to 100/300.

Add in the "drive live" discount and he quotes me down to $1500 every 6 months, $1425 if i pay in full. which is like $1800 cheaper than my new quote with NJM. Seems like a no brainer to switch. Any reasons to stay with NJM?

Did everyone get this $50 Travel credit? it expires in July so gotta figure out how to use it.

looks like more tickets behind the stage and near the stage in the 100 level were dropped recently. bunch of aisle pairs available.

The other day it was a $300 statement credit plus a $300 disney gift card. now the offer seems to be just a $500 statement credit. is that the only change?

The other day it was a $300 statement credit plus a $300 disney gift card. now the offer seems to be just a $500 statement credit. is that the only change?

I'm driving from NJ (yes i know about the train but family of 5 would be $110 each way for NJT + LIRR) - what's the best approach for the silver lot?

So a few months ago I redid my FIOS TV and Internet plan and got rid of my second cable box and planned on using the FIos TV app (which was included in the new plan) for my other TVs. Then last week the app tells me I don’t subscribe to this service. I message customer service and they say that it’s no longer included and I’d have to pay $20/month.

What the heck? So I can rent additional boxes or pay a monthly fee for the app to work on devices?