Recent comments in /f/jerseycity

Economy-Cupcake808 t1_j1n4oe1 wrote

Reply to comment by suztomo in road conditons in jc are really bad by SnooShortcuts7911

On another note that intersection to turn into Costco from goldsborough drive is such a nightmare. Last month? There was a three car accident right in the middle of it. I wonder if it’s worth it to email the Bayonne mayor/whoever about putting a light there or at least making it an all way stop.

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Mia07304 t1_j1mwmaz wrote

Reply to comment by itsfleric in Should we sell our car? by hourlongflyer

I switched to Metromile from State Farm in March 2018. I drive under 5,000 miles/yr. I'm fully insured and pay less than 40-50% of what I was paying with SF, & I had a discount with SF for low mileage. I even upped my liability insurance with MM. As for living DT without a car, I did it for 20+ years but eventually the car rentals became a headache. Living uptown it's not as convenient so I like having a car.

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EatMorePi t1_j1muiat wrote

Reply to comment by hourlongflyer in Should we sell our car? by hourlongflyer

I don’t understand the argument that the cost of the car itself doesn’t matter. In addition to comparing your current car to the cost of Uber/zipcar with no car, you should definitely compare to getting a cheaper car. I make more than you do and bought the lowest price Honda CRV during the pandemic. It was a great decision, and cheaper by far than using Uber and zipcar given how often I use it.

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Economy-Cupcake808 t1_j1mlhj4 wrote

Reply to New PATH line concept by D_Empire412

If we lived in a perfect world the Port Authority would allocate some 15/20 billion to totally re do the midtown PATH lines.

They should re-align the tunnels so that it’s a straight shot between Hoboken and Christopher, allowing for 40mph speed for the entire journey, this would cut down travel time so it’s comparable to EXPL-WTC. This would allow trains to run NWPT-HBK-CHRS-Midtown in less time than it takes to get from Newport to Christopher currently. Added bonus of making the HOB-33 dedicated route redundant which eliminates the merge at the Newport junction and reduces train traffic. You could either leave Hob-Wtc the same or just run WTC-33rd depending on whichever has better terminal capacity.

The narrow tubes and curves at Christopher street are a big service bottleneck. The fact that trains must slow to what is essentially a walking pace before entering Christopher really screws up the train traffic situation.

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HobokenJ t1_j1mi5ph wrote

Reply to Should we sell our car? by hourlongflyer

It seems like you've made a pretty compelling case on your own re: ditching the car. do it!

As for me: Born and raised in the suburbs, so always lived a very car-centric life (including a stint in the Bay Area). Moved to Hoboken in 2006, and, like you, my car basically sat in the garage all week, with weekend trips to visit family.

Sandy hit, and I lost the car to the flood. Just assumed I'd replace it because... well, because I always had a car! One month goes by, then another. I realize... I don't miss the car at all.

It's now been 10 years, and I still don't miss it (I live DTJC, which isn't quite as convenient as Hoboken re: walkability, but is obviously excellent in this regard).

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kevintravels t1_j1m7z5w wrote

Reply to Should we sell our car? by hourlongflyer

Living right next to Path sort of clinches it right there. Shopping online for groceries is awesome. Instead of traveling in a car for weekend trips you’ll just spend more time in the city. The city has more to offer anyway.

I moved from New Jersey into Manhattan. The rent there was a lot more than I had been paying in Jersey. The guy that owned the building I was moving to asked if I’d be able to afford it. I told him my plan was to sell my car. With that I’d be able to take all the money I saved and donate it to some struggling real estate investor. He liked that. He laughed his ass off and I got the apartment.

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ABrusca1105 t1_j1m79z8 wrote

Reply to comment by Sonatarhia in Should we sell our car? by hourlongflyer

It varies by your driving record and state but I paid $379/year. In 26M with an accident and 1 moving violation 5 years ago. In NJ they told me no new policies but only converted existing policies.

They also ask you how many miles you expect to drive in that time frame. I think I said 500 mi for 6 months or something like that.

Yes, it covers when you rent. I'm pretty sure regular car insurance does as well. That's the point of non-owner insurance basically. It also keeps continuous coverage for you. If you sell your car and you go without insurance, then when you get a new car eventually your insurance will basically be like you went uninsured, but maybe not as bad. I bet this is saving me money in the long run. Especially if I ever rent and insurance is going to be more than that.

If you have a clean driving record and you're in your 30s, 40s or 50s, you would probably be significantly less money than I paid. It was like a quarter of what my real insurance was when I had a car.

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pixel_of_moral_decay t1_j1m13ir wrote

Reply to comment by objectimpermanence in Should we sell our car? by hourlongflyer

Geico is cheaper because it’s a big step down in insurance. It’s what you get to meet the legal requirements. State Farm is a big step up. There’s more than a chance in hell State Farm may pay out if necessary.

Nothing wrong with Geico. For some people that’s exactly what they want/need. But even if the amounts on the policy are the same, it’s not the same product.

Same with State Farm vs one of the mutual companies like NJM, MET Life, Amica. You get what you pay for. Those are policies for people who expect to get paid out when they have an insurable event.

Comparing policies purely by coverage amounts is like ordering food by total calories. You’re ignoring a lot of the details.

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