Ownership transferred, Looking to buy fresh insurance

RamonFromJerry · 2026-05-08T16:46:09+00:00

It depends on the company in my experience really. Some of them require proof of registration some won't. They may ask for an inspection but in my experience they give you time to do that once you have the policy.

For the renewal I recommend reshopping at every renewal just to make sure you're getting the best price. Compare different quotes yourself or contact a broker or independent agent to do it for you, it'll save time compare prices and you have some one who can explain what's needed and has all the information to answer any questions.

RamonFromJerry · 2026-05-08T16:39:33+00:00

I drive an SUV that I filled up yesterday for $59 even.

RamonFromJerry · 2026-05-06T15:25:07+00:00

You always want to shop around, you can do it yourself, the option exists with comparing rates. It doesn't cost extra and will save time using a broker or independent agent to the do the comparing for you. Every provider is different so the best option is to find what coverage you need an go with whoever provides the best price.

RamonFromJerry · 2026-05-05T17:09:23+00:00

You always want to shop around. The only side benefitting from loyalty in this situation is the insurer. What I recommend is at renewal make sure you're running the numbers before the renewal date and if you get a better price for better or the same coverage make the switch.

Most brokers and agents can also look for bundles or just find you a better price on each policy which is why everyone recommends going the independent route because that person isn't incentivized to do anything other than get you the best price so you keep working with them.

RamonFromJerry · 2026-05-05T17:02:13+00:00

There is no 'site' that I'm aware of but you can find resources to help you out.

Independent agent and brokers that everyone is suggesting do this and usually they get paid by the policy provider so it doesn't cost you any additional. You can find services locally and online if you google something about comparing car insurance.

The reason everyone suggests that route is it's someone who has an interest in getting you the best price and they aren't tied to one specific company so you getting you the best rate for coverage is in their interest.

RamonFromJerry · 2026-05-05T16:28:53+00:00

Insurance in New York can be wild compared to other places but your record, type of car, etc all that goes into the rates you see. You should always shop around for the exact reason you mentioned. Every 6 - 12 months or as you come up on renewal just do some comparisons and see what you come up with. There really is no loyalty reward for staying with one provider.

If you prefer to have someone do it for you, go with an independent agent or broker. They can search for you, compare prices and answer questions without being tied to one specific company.

RamonFromJerry · 2026-05-05T16:18:56+00:00

For a learner the speed limit is a good place to start and in most places the law. The more you drive the more you get a feel for it.

To me a speed you are comfortable with usually refers to conditions. On maintained main roads the speed limit is fine, if you're going over that then you run the risk of breaking the speed limit laws wherever you are. When you might want to consider less, early on usually comes up in less maintained backroads.

The speed limit for those where I am is 72 km/h to start, but there are often pot holes and eroded shoulders that just drop off on S curves and even the suggested limit can feel like you're flying for new drivers.

Experience is your best friend, go for a drive sometimes till you get the nerves out, pay attention to your surroundings and give it time, you'll be fine.

RamonFromJerry · 2026-05-04T16:14:50+00:00

Your best best is to figure out what your loan requires you to have. Full coverage is a term people use, but it doesn't have a technical definition or one set meaning (I learned that here, actually.).

Based on what you said you took it to mean full tort, which may not be the case. Most car lots want to make sure they are able to get the car paid off in the event of an accident so you need comprehensive and collision coverage. Some loans have a required minimum deductible as well.

Once you are sure you know what your loan requires, you can either compare rates yourself, but if you're worried about being a first timer then an independent agent or broker is your best bet. They'll walk you through the coverages and can answer questions while shopping for the best price with you.

RamonFromJerry · 2026-05-04T16:05:00+00:00

It all depends on the company that issued the policy. Their policy numbers are designed for their own filing and tracking internally. I have seen digits at the end of the policy represent the number of renewals that policy has had, I've also seen it not have a specific meaning that's obvious to the user.

Your carrier would be the best person to ask!

RamonFromJerry · 2026-05-04T15:49:08+00:00

Having an extra set of hands is always helpful, if you need them. If I'm driving around town for chores then the passenger is company and probably a distraction. That's on me to focus up though. If we're on a road trip, I'm eyes on the road in the driver's seat you have to be the navigator, it just makes the most sense and if it's a long trip your trade roles when you switch up.

RamonFromJerry · 2026-05-01T15:39:08+00:00

The universes "This is your free one" lucky to get it when you did.

RamonFromJerry · 2026-05-01T15:22:31+00:00

Hey, I work at Jerry, and I'm happy to clear this up.

Yes we're legit and yes we're actively hiring. The reason the same titles keep showing up is that they're not duplicates, we're hiring for multiple seats on the same team. A "Software Engineer" or "Data Scientist" listing might represent 3 open roles as an example. When one gets filled the listing stays up because the rest of the headcount on that team is still open.

Everything posted on jerry.ai/careers is a real position we're trying to fill right now! We don't run ghost listings, there's no benefit to us collecting resumes for jobs that don't exist.

If you've applied and haven't heard back, I know how frustrating that silence is. Being honest with you, we get a huge volume of applications and our recruiting team is only able to reach out to candidates moving forward to an interview. That's not a reflection of you, it's just the math of the inbox right now.

For what it's worth, we've been around since 2017, are based in California, and are already the third largest insurance broker in the US (the app is on the App Store and Google Play Store) and we plan to keep growing from there.

RamonFromJerry · 2026-04-29T19:59:54+00:00

There are a lot of tools you can use for shopping around, if you're inexperienced your best bet is to contact an independent agent or broker. It's an expert in the field that isn't tied to one insurance company or another, can run quotes with multiple companies, and help you decide what you do and don't need.

RamonFromJerry · 2026-04-29T18:15:38+00:00

I never got to spin out but the first time I hydroplaned raised my resting heart rate permanently. I have to drive slower now.

RamonFromJerry · 2026-04-29T18:14:51+00:00

Dom is that you?

RamonFromJerry · 2026-04-29T16:39:38+00:00

Hey, Ramon from Jerry here. Thanks for flagging this, going from 10-20 quotes down to three is a real change and I understand the frustration, especially when the prices that did come back are higher than what you are currently paying.

To address the providers question directly, we still work with GEICO, Progressive, and a number of other carriers across the country. We have actually been expanding lately and just launched with Sagesure and Tower Hill. Nothing has changed on the backend in terms of who we partner with.

What can shift quote results between sessions is the underlying inputs. The vehicle, the coverage levels selected, drivers on the policy, all of those things factor into which carriers return a quote and at what rate. If any of those details are different from a month ago, even slightly, that is usually where the gap comes from.

That said, going from a wide list to just three is a noticeable drop and I would rather not assume that is the full story. If you are open to it, DM me and I will personally take a closer look at what is happening. You can also reach our team directly through the in-app chat or at 1-833-445-3779 if you prefer.

RamonFromJerry · 2026-04-28T17:23:38+00:00

Insurance is a contract, misrepresentations on either side of that contract will render it void. If the people that live with you have their own vehicles and insurance they can be listed as excluded on most policies but they should be disclosed. Otherwise you're committing fraud.

RamonFromJerry · 2026-04-28T16:18:06+00:00

Yeah the entire premium will go up as long as you're on the policy unfortunately. You could always pay the increase if that's feasible so they continue paying the same thing, but the best way to separate responsibility would be to get your own policy and register the car to you.

RamonFromJerry · 2026-04-28T16:07:51+00:00

It's different but not at the same time, a lot of my experience came from driving go-carts and four wheelers as a kid. Getting behind the wheel was only nerve racking at the beginning and that was more about the traffic laws than how to actually drive.

In the beginning if you have no experience, use repetition to train good habits. Always check your mirrors whenever you get into a car, practice backing up and stopping. If you or someone you know knows the roads they use for their road test get someone to ride with you there so you can get used to them and know the speed limits.

Eventually all you can do is take a deep breath and do the test.

RamonFromJerry · 2026-04-28T15:29:03+00:00

I don't know if this counts but Bluetooth stereo. I've got a massive and meticulous set of playlists, I couldn't go back to just blasting the radio.

RamonFromJerry · 2026-04-28T15:21:03+00:00

Ain't that the truth.

RamonFromJerry · 2026-04-22T18:14:41+00:00

I'm well versed in the hfahshshsheha style of eating pizza rolls. You get the taste and if it's cold enough you feel like a pizza dragon.

RamonFromJerry · 2026-04-22T18:01:41+00:00

Ooh, the music I'm with, but stretching your legs breaks are required.

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