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Affordable Car Insurance

Automobile insurance is one of those things in the budget that is always going to be there. There are very few places in America that permit you to drive vehicles without insurance and so it behooves each and every one of us to get a better handle on our own auto insurance coverage. The industry is changing a bit because the competition is strong. There are new and creative auto policies on the market today. The trend that has gained the most momentum is the self-insuring concept. Higher deductibles is the weapon that the customer can use to lower rates significantly. Higher deductibles means that the policyholder has decided to take on more of the risk for the automobiles insured. The day of low collision deductibles is all but gone. Lower deductibles no longer warrant the high premiums. There is too much money to be saved with higher deductibles.

Lowering the Rates for Young Drivers

Young drivers on newer vehicles that have a lien holder’s interest will raise the auto rate significantly. The collision and comprehensive rates for drivers under 21 years of age are very high. A young driver on an older vehicle without the collision and comprehensive coverage will lower the rate significantly. There are discounts for young drivers who have completed a qualified drivers training course. Some companies have good student discounts on students with a grade point average of 3.0 or better. When the young driver reaches 21 the rates begin to drop for most companies.

Senior Citizen Discounts – Most companies have discounts for people age 55 and older who are retired or work less than 20 hours a week. There are mature driving courses that can also give the senior citizen a discount.

Multi-Policy Discount – This discount is available when you insure both your auto and home with the same insurance company.

Tort Options – Some companies offer discounts for a limited tort option. Tort is your ability to sue for pain and suffering. Limited tort rates in some states reduce the overall premium of the policy up to 30%. Ask your insurance company about the tort options in your state.

Frequently Asked Questions

  1. QUESTION:
    How do I get affordable car insurance without my dad's involvement?
    They say that first-time drivers get expensive rates for car insurance and that it can become affordable with a parent signing the application with his/her driver's license. Now my parents don't want to help me w/ the car insurance....how do I get affordable car insurance without their help?

    • ANSWER:
      See this

      http://car-insurance-quo.blogspot.com/

      take the quote, they'll come back with prices from different insurers in your area. It's very quick and free of charge.
      But to find a cheap price you should get several quotes, do some legwork till something really cheap will come along.
      If you buy an oldish Corolla, they are cheap to insure and fair on gas, get liability only and that's the cheapest type of cover you may get.
      But get several quotes, try them all, they are free so find the cheapest one, it's out there.

  2. QUESTION:
    What is the most affordable car insurance for Mexico?
    I'm traveling to Mexico by car. I'll be crossing the border in Laredo, Texas. What is the most affordable mexican car insurance available? The last time I did this, it was about for three days. I used Johnson Insurance.

    • ANSWER:
      the cost of car insurance depends a lot on what kind of car you are driving (year, model) and how much insurance coverage you yourself decide that you want. you can opt for a cheap policy which covers only the basics, or pay more to get a better more comprehensive coverage to include things like vandalism or partial theft. It also depends on how long you are going to be in Mexico (days? month? year?) and whether or not you intend to go back and forth more than once... my brother, for example, gets a yearly policy while my husband and I usually buy policies based on how long each of our trips is going to be.

      we've used Baja Bound for about 6 years now and have been very satisfied. solid coverage, great customer service. I'll post a link below...

  3. QUESTION:
    Where can I find affordable car insurance in PA for college students?
    I will be learning to drive pretty soon and I want to know the cheapest and affordable car insurance out there for students.

    • ANSWER:
      That's not really a question we can answer. The cost of your insurance depends on several factors, including the age and model of the car, whether or not you need liability only or full coverage, your driving record, the number of years you have been driving, your geographic location, the amount of time the vehicle will be on the road, and some companies now check your credit as well. Your best option is to look up insurance companies in the yellow pages and just start calling around and getting quotes. Make sure you are comparing the same coverages at each place, then pick the one who gives you the best quote. I hear that State Farm gives good student discounts, but I'm not sure if that applies only to high school students or if college students are included as well. You may want to check them out.

  4. QUESTION:
    Where I can find affordable car insurance in California or Los Angeles?
    I am willing to buy a new car before that I want to know about where i can get affordable car insurance in California or Los Angeles? Please help me somebody!

    • ANSWER:
      Try this site: usinsurancequote.net Here you can get free quotes from different companies

  5. QUESTION:
    Is it possible to get affordable car insurance?
    How can I get affordable car insurance without really sacrificing the kind of coverage that I get? I just want to be able to pay less for my car insurance buy still get good quality.

    • ANSWER:
      here's a few tips to help you out:

      here's a few tips to help you out:

      1. Raise your deductible, it will lower your premiums and as long as you don't get into too much accidents then you should be fine with a higher deductible.

      2. Take a defensive driving class so you can be eligible for a defensive driver discount.

      3. Install additional safety and security mechanisms on your vehicle (again, added discounts here.)

      4. Go on an annual payment plan (usually cheaper.)

      5. Look for other types of discounts you may be eligible for. Ask your insurer

      6. Compare rates from many insurers online and go with the best one.

      7.Try this site to before you buy car insurance

      http://car-insurance-quo.blogspot.com/

      Here you can get quotes from different car insurance companies in your area, its the best way to find an affordable car insurance with a reliable company.

  6. QUESTION:
    Will like to know what car insurance company is the most affordable?
    whats the most affordable car insurance out there? any one know's ?

    • ANSWER:
      There is no way of knowing, as I could fill in my details on an insurer's web site and get a really good quote, then you could go to the same site and get a bad one. It all depends on the answers you give to them when proposing insurance. Quotes are based on your own individual personal circumstances, and insurers analyse all the answers you give them to work out whether you are a good or poor risk. It is not so much whether the company is cheap, but whether in their experience, they see you as a good risk.

  7. QUESTION:
    I recently moved to Brooklyn and I need to find affordable car insurance for my car. Any suggestions?
    I know car insurance in NY is not less expensive in general, but any suggestions would help.

    • ANSWER:
      I was able to save money through a free on-line quoting service at http://gsx1.com/InsuranceComparison.html

      They had several links. All I did was fill out their quote request and received back a lot better rates then what I was paying.

  8. QUESTION:
    what is the best affordable car insurance for young adults?
    I just got a car and wanted to get insurance on my car but dont want to pay a lot of money for it. what do you recommend?

    • ANSWER:
      The cost of insurance is based mainly on the safety of your car, driving record and more... also..insurance companies can base your rate on your credit history!! Like, someone with bad credit just has to be a bad driver! You must phone around and find out the best company for the policy you have on your mind.

  9. QUESTION:
    Where can a first time driver buy affordable car insurance?
    My family does not want to put me under their policy. I am 17 and will be getting my licence this Friday. I make minimum wage (.25 and hour) I will be driving my mother's car.

    Is there any insurance I can afford on my own?

    • ANSWER:
      No, there is not any insurance for first-time drivers under 18 that a person making only .25 per hour can afford. So do not get a car.

  10. QUESTION:
    Do you have affordable car insurance in Tennessee?
    Do you get a good deal on insurance? Where do you have yours?

    • ANSWER:
      CHECK WITH THE BOARD OF INSURANCE WHICH IS ON LINE AND THIS WAY YOU WILL BE ABLE TO SEE FIRST HAND ALL INSURANCE COMPANIES INCLUDING THEIR RATINGS AS WELL AS HOW THEY PAY AND TREAT CONSUMERS AND MAYBE BE ABLE TO ASSIST YOU.

  11. QUESTION:
    Who is the best, but affordable car insurance out there ?
    Just bought a new vehicle and have state farm insurance. But with the new vehicle, my insurance went up.

    • ANSWER:
      The way I do it is I wait till I am almost due for renewal.
      A week or two before I shop around and when I find the cheapest quote I ask my insurers if they can match it, if they cannot then
      I do not renew and go with the new guys.
      If you check out a good comparison site you get to save much time as the site will provide quotes from all main insurers. Try this site to before you buy car insurance

      http://car-insurance-quo.blogspot.com/

      Here you can get quotes from different car insurance companies in your area, its the best way to find an affordable car insurance with a reliable company.

  12. QUESTION:
    Where can I get affordable car insurance?
    I am a female driver who has had a full licence for over 20 years, but I do not have any No Claims and I have 9 points on my licence. The points are for no insurance and having a defective tyre, nothing which reflects badly on my driving. Does anyone know of an insurance company that will not use this to increase the cost to an unaffordable amount.

    • ANSWER:
      If you search this site you'll see that this question has been asked before... how insurers are going to see you is going to vary, based on a bunch of your personal information

      So you want to shop around for insurance just like you are doing when buying a car or anything else.

  13. QUESTION:
    Where can I find affordable car insurance for a kit car?
    I recently purchased a car that was given a kit car title instead of a rebuilt title and now I have no clue who will insure it! I live in Florida and the cars title lists it as a 2006 Neon. Any info would be greatly appreciated!!
    Geico won't do it.. they are who I have now.. :(

    • ANSWER:
      You might explore the insurance companies that insure hot rods, antiques and collector cars. Their rates are generally less expensive. Your kit car may qualify as a collector car. A listing can be found on the net.

  14. QUESTION:
    What is the best and most affordable car insurance company in New York?
    Particularly NYC?

    • ANSWER:
      Try progressive on line, they can show you lists of insurance companies.

  15. QUESTION:
    How to get Get Affordable Car Insurance in Detroit Michigan.?
    Is there any information i read about this?

    • ANSWER:
      I heard about this and there is an articles about this that might help

      http://detroit-personal-injury-attorney.blogspot.com/2008/06/get-affordable-car-insurance-in-detroit.html

  16. QUESTION:
    WHAT COMPANY PROVIDE THE MOST AFFORDABLE CAR INSURANCE?
    IM PAYING ABOUT 350 EVERY 6 MONTH I WAS WONDERING IF THERE MIGHT BE MORE AFFORDABLE CAR INSURANCE OUT THERE.

    • ANSWER:
      There's no short cut - to see who's the cheapest for you, you have to shop around.

      Just like there's no "one size fits all" jeans, there's no "one company is cheapest for everybody" insurance.

  17. QUESTION:
    Does anybody know any type of affordable car insurance (South.CA) for a teen who just got his driver license?
    Do you know any car insurance that is not too bad (that covers stuff) yet not too expensive (lets say somewhere less than 0 a month)?

    And could you also please site a reference site?

    Thank you.
    @ Sarah, but how much are they for a first time 17-year old? And what do they cover?

    • ANSWER:
      I'd look at State Farm and Allstate, but I make no promises. Because the accident statistics are so unfavorable for young drivers, insurance companies simply cannot offer low premium payments for teen drivers. Regrettably, things get only slightly better until after you're about 25. Check for quotes online and then perhaps you could spread the cost between you and your parents. Talk to them about it.

  18. QUESTION:
    Is there any "Affordable" Car insurance for drivers with violations? ?
    I have seven (7) points on my license and i can not find affordable car insurance to save my life. Is there anyone out there that has experienced what I am going through and got over it? I need my car and full coverage. On top of everything, im financing so i can not get liability if i wanted to. Help me please.

    • ANSWER:
      Try this site to find an affordable car insurance

      http://car-insurance-quo.blogspot.com/

      Here you can get quotes from different car insurance companies in your area, its the best way to find an affordable car insurance with a reliable company.

  19. QUESTION:
    What is an affordable car insurance?
    Which one do you have? Is it a good one?

    • ANSWER:
      The less it covers, the cheaper it is. The cheaper, the more affordable it is.
      Mine is fair, I guess.

  20. QUESTION:
    i am looking for affordable car insurance?
    husband has restricted licence. neither of us have had tickets or accidents.

    • ANSWER:
      I agree with bigdaddy! I've had Unitrin Direct as my insurance carrier for almost two years now and my insurance premiums have been cheaper per year than before I had my at fault accident in July of 2003. I do not believe that Unitrin Direct writes policies for all 50 states. Their company headquarters are in Chicago or you may visit the website at www.unitrindirect.com. The contact number that you may call to get a free quote and ask customer service questions is 800.437.8394. Another insurance carrier that I believe has cheap rates if you have good credit is Progressive Direct (now known as Drive Insurance by Progressive). The number is 800.888.7764. Good luck in your search! :o )

  21. QUESTION:
    Affordable car insurance company?
    Hi, I am looking for an affordable car insurance company. Have searched one Elephant.com. Is it a good company? Anybody heard about them or any experience with them? Please share........
    Hi me in Virginia, you are talking about which state?

    • ANSWER:
      call actual agent with ur actual info for an actual quote....

  22. QUESTION:
    Any one know where I can find an affordable car insurance on line?
    In Monterey Park,california

    • ANSWER:
      einsurance.com

  23. QUESTION:
    I recently moved to Brooklyn and I need to find affordable auto insurance for my car. Any suggestions?
    I know car insurance in NY is expensive in general, but any suggestions would help!

    • ANSWER:
      LOL!! I don't think there's any such thing! Sorry, you're best bet is to call around for quotes, or contact a local agent to do that for you.

  24. QUESTION:
    i need affordable insurance on my car any suggestions?
    well i've been driving around for 9 months now w/out insurance. my car's a 2001 dodge neon standard model and i paid cash for it (no car note). im afraid that if im pulled over by the chp my car will get towed. im on a budget and i really need an affordable monthly premium. im 28 yrs old i got my driving license at 26 yrs old then got 2 tickets like 2 months later. one ticket was a failure to yield on a right turn w/ a red light and as a result i caused an accident but there was no bodily harm or property damage to the other driver only to my car it was totaled and i wasn't harmed. i recently was pulled over and given a speeding ticket too. what is the difference in full vs. liability insurance? i do know that liability is cheaper. which should i consider? also does anyone know of any insurance co. that don't require a huge down payment to start?and would insure my car w/out a huge monthly premium?

    • ANSWER:
      I was with Geico and switched to Progressive and my monthly payments were WAY cheaper. Plus, you can do eveything on-line and there is instant approval and you can just print off your temp insurance cards

  25. QUESTION:
    What company offers a good affordable rate for car insurance in the state of Maryland?
    I'm just moving out of Virginia into Maryland and I am very overwhelmed by the high premiums that I will have to pay oppose to the lower premiums that I was paying for 2 cars in Virginia.

    Does anyone know a good cheap car insurance company?

    Thanks!

    • ANSWER:
      Maryland has VERY high rates, if you're looking for something to compare to the VA rates . . you're not going to FIND it. There are just more losses, more traffic, and more lawsuits, that's all there is to it.

      Your best bet is to go to one or two independent agents, ask them to get you 4-5 quotes EACH, and compare that way. But they're ALL going to be in the same ball park.

  26. QUESTION:
    whats a good affordable car insurance company in dfw?
    would like to pay no more than 100 dollars a month liability but i was looking for suggestions for insurance companies for my car to check out, a company that offered raodside assistance would be great.
    what companies should i avoid

    • ANSWER:
      USAA

      but it will be more than 0

  27. QUESTION:
    Was car insurance affordable before it was mandated by law ?
    Why or why not ?

    • ANSWER:
      Not all states mandate car insurance. It's not much cheaper in the ones that don't as compared to similar areas that do.

  28. QUESTION:
    affordable car insurance quote?
    Please can any one tell me where i can find info on affordable car insurance quote

    • ANSWER:
      IF you want info on affordable car insurance quote for free means then just visit

      http://www.loansinfo.biz/wordpressblogs/affordable-car-insurance-quote/

  29. QUESTION:
    Affordable car insurance?
    whats the cheapest more affordable car insurance company for a student in san diego, ca???

    • ANSWER:
      It varies. Depends on a lot of things. Call around.

  30. QUESTION:
    affordable car insurance/ college student. please answer =]?
    hey everyone!
    i am looking for some car insurance!
    like... the most affordable i can find...
    for a 98 nissan.
    i am 18 years old, no accidents or tickets.
    and im a "broke college student"
    soooooo the cheaper the better, and just liability is fine.
    any suggestions?
    good/bad experiences?

    thank you!!

    • ANSWER:
      There isn't a best one I am afraid,.. You will have to shop around like the rest of us.

  31. QUESTION:
    Who offers affordable and reliable car insurance?
    Money is really tight right now, and my car insurance is around 0 a month with Liberty Mutual. I'm looking at other agencies that offer great service and are less expensive. Is Geico good? Are there any other agencies I should look at? My record isn't too bad. One speeding ticket.

    • ANSWER:
      Aron L, Try getting an online insurance quote It's free and generally hassle free. http://www.simpleautoquotes.com/Auto-Insurance.html

      Good Luck.

  32. QUESTION:
    Is there anyway to make your car insurance more affordable?
    I now have a 93 jimmy.
    and ive saved up enough money for this really nice 300zx
    but the insurance is going to be crazy
    anything to do?

    • ANSWER:
      If you pay cash for your car, and don't carry collision or theft on it, it's REALLY not going to cost much more than your old car. The COSTY part, is the collision and theft for a fast car and a young driver.

      The things that keep your rates lower are:

      clean driving record
      great credit score
      lower coverage
      having renters insurance with the same company

  33. QUESTION:
    Is there any affordable Car Insurance for 16 year olds?
    PLEASE READ: The problem is this. I'm 16 years old, and I really would like to own a car. But the problem is this. When your 16 and you first get insurance, it is super expensive. I have a brother the same age who would also like a car. But I have a single mother. If we have 3 cars and 3 people on one policy, that means it will cost over 10,000 dollars. I know I have to take a defensive drivers course to get 10% off, and I should get honor roll (But that'ss too hard). I've suggested that we get minimal coverage, but my moms the kind of person who thinks she has to pay a lot of money to be covered. Because she won't take minimal coverage, Now I can't have a car. What is the name of a car insurance company that is very affordable but does not make you go on minimal coverage to afford it? If you want, you can tell me what it cost you so I get a best estimate. Thanks.

    • ANSWER:
      There isn't a best one I am afraid,.. You will have to shop around like the rest of us.

  34. QUESTION:
    What's wrong with affordable health insurance without a middle man?
    We have affordable car insurance and the gov't doesn't get involved in that, do they?

    Am I the only one who thinks a few of these industries (insurance, pharmaceutical) should be regulated?

    • ANSWER:
      Your question is much too logical to be taken seriously here.

      There are numerous ways to reform healthcare. The German model uses private, for profit health insurers who are subject to government regulations that prohibit them from denying coverage bases on pre-existing conditions. So their system is more of a hybrid than other European single payer systems, ranging from this to the British system of socialized medicine where the doctors work for the government to the French system of private doctors but with a single payer system.
      The big difference, or course, is that the United States has allowed the medical profession to become a for profit system. The free market zealots think this is just fine but the fact is that by allowing the profit motive into this basic human need they are ruining our economy.
      Soon the portion of our incomes that the health care system demands of us will exceed our ability to pay and we will essentially be working in exchange for healthcare. Economic slavery anyone?

      But consider this. If we should end up with a single payer system it will spell the end of our economy unless Obama can muster the courage and ammunition to stop the insane prices that the healthcare profession charges us for their services. A single payer system without removing these criminally high prices will create a Bubble that will dwaft even the housing bubble. Close your eyes and try to imagine just how raped and robbed we will be when every person in the country can get medical care that is subsidized by the government with the greedy sons of dogs in the healthcare business charging 5.00 for an aspirin.
      And to the free maketers who claim that a single payer system with price controls won't work, I remind them of Vlad Lenin. Vlad pulled a 38 caliber pistol from his pocket and put it to the head of a train conductor refusing to run the train. Vlad cocked the pistol and Mr. Conductor yelled, "All Aboard!" The trains ran on time and so will the appendix operations after a couple of well placed bullets.

  35. QUESTION:
    I live in Ft.lauderdale FL I am looking for most affordable car insurance any advice.?? Recommendations?
    I had Geico but they where a little to expensive. Any one have any recommendations?

    • ANSWER:

  36. QUESTION:
    What are some some affordable car insurances?
    I am currently with State Farm and pay about /mo. I would like to switch to another ins. compay with prices around the same. I'm 24 with a clean driving record. So without giving out all my info, what car insurance do you have or know of?

    • ANSWER:
      Try Geicko, they can give you a free quote on line.

  37. QUESTION:
    affordable car insurance company's?
    I am currently with farmer's insurance but i feel they are too expensive
    so is there any company's that are cheaper and affordable rates?

    • ANSWER:
      If you are a member, or can become one, of a warehouse club like Costco or Sam's club, they offer phenomenal deals on auto insurance. You can get a quote right from their web site.

      Last time I shopped my auto insurance, I tried all the big name insurers, a couple of comparison web sites, and Costco beat them all by 0 per year.

  38. QUESTION:
    what the best insurance company that affordable to get for a new car?
    looking for car insurance?

    • ANSWER:
      Heres a straight up answer:

      Companies like AIS and GEICO are called "brokers"and they act as a middle man finding the best rates for you. #1 they dont always find you the best rates and #2 you are paying them MONTHLY for their 2 minute initial service of finding you an insurance company.

      Go for a DIRECT insurance company like AAA or Mercury Insurance so you dont end up paying broker fees.

      I think most of your online insurance companies also are brokers, unless they specifiy they are direct insurance writers.

      Two examples: #1 - I went with AIS because their radio ads were everywhere. The last three years Ive been paying them an EXTRA a month to them. They found me "Mercury Insurance". Well, I recently called Mercury myself (AIS doesnt want you to do this naturally) and Mercury offered me ever better rates AND without the broker fee I was paying! MONEY IS MONEY... might as well keep your own if you can! #2 - This is also true for home buying. There are direct lenders (like a bank) and then there are mortgage brokers that find a bank for you. Brokers paint a pretty picture to you and give you good numbers up front but they hide their profits in the closing costs and points of a home loan. A mortgage broker can easily make ,000 off of every house they sell. Again, look for a direct lender, not a broker.

  39. QUESTION:
    What is the right affordable car insurance to purchase in NEW JERSEY?
    Hi, I was looking to buy a car insurance policy. I currently have a company but wanted to drop them due to being overpriced. The only problem is that i don't have a driver license nor have i ever had one. I was able to finance a car off the lot but it wasn't for me. I brought it for my grandson. He has a driver license and is the only primary driver of the car. Being as though I never had a license most companies won't accept it and limits me from getting a cheaper policy. He is about to turn 18 next week. So is there any car insurance companies that will accept that i don't have a license and let me get a policy with him being the primary driver of the car. Thanks!!

    • ANSWER:
      I can give you a phone number to a company I use to get auto insurance quotes and you can ask the agent about your situation. I can't post it here since someone may mark my answer as spam, so you will have to click on my Yahoo Answers profile and send me a message.

      I remember they ask for my driver's license number, so if they can't help you, ask if your 18 year old grandson can get car insurance. If your grandson gets approved, then you can pay for his car insurance. It may cost more than what you currently have since he is 18 and rates are very high for any driver under 25 years old (at least thats what the news said).

  40. QUESTION:
    Car insurance and Roadside assistance in France?
    MY daughter is about to spend 8 months in France (we live in UK). How can she get affordable car insurance and roadside assistance cover for the whole period? All UK insurers seem to restrict cover to trips of up to 31 days, with an overall max of 90 days cover in one year.

    • ANSWER:
      Have a look here ...

      http://www.ecarinsurance.co.uk/eudriveing.php

  41. QUESTION:
    Can I get affordable car insurance with a company if I currently hold a policy with them?
    I have a pretty ba driving record from about a year ago. I recently just bought a motorcycle and got insurance through them for 6 a year which is awesone. But it would also be nice to have a truck considering rain a cold weather. Now I've priced insurance through many different company's for my 1996 mitsubishi mirage 2 door, and I was quoted at 9 a month with liability and that was the lowest. Now I want to buy a truck and add it to my current policy, will it be remarkably cheaper to do so, or how long till it will be cheaper, or should I say very affordable. I live in the state of louisiana if that information helps at all. Answers are greatly appreciated. Thank you

    • ANSWER:
      shop around on internet. only go 3rd party as excesses and penalties on renewal for fire and theft are not wotrh it on a car worth less than a grand.

  42. QUESTION:
    is there a way for me to get affordable car insurance?
    hi im a college student in NYC i am single and live alone in a studio apartment in Brooklyn NY i work in an armani exchange store and at the moment im also going for acting and have already nailed some
    gigs.

    My question is if anybody knows how i can get car insurance under 00 (BTW i dont have any1 living in another state)

    i checked most companies and they offer 10-13k either a year or 6 months so please if any1 knows how i can get insurance help me out

    i am in dire need of a car.
    im only 19 years old any NY has one of the highest rates in the country

    • ANSWER:
      Being the age you are and where you are currently living you can expect to pay some of the highest insurance rates in the country. There is one way where you can pay the least insurance but it depends on what you can live with or live without. The cheapest insurance you can get is basic liability insurance. Keep in mind that liability insurance only covers the other driver and their vehicle and will not pay anything towards repairing your vehicle. The best types of vehicles to have liability coverage on would be an older vehicle that doesn't have a high fair market value. If you have full coverage insurance on your vehicle and get into a crash and the repairs to your vehicle is say 00.00. The insurance company will check to see what the fair market value of your vehicle was at the time of the crash. If the fair market value of your vehicle was say 00.00 then the insurance company will only pay you the fair market value of 00.00 and you will have to come up with the other 00.00 plus your deductible out of your pocket get your vehicle repaired. So, it all depends on what you want and can live with. If you can live with an older vehicle that is still in decent shape but doesn't have a high fair market value you could go with the basic liability insurance. You can always add to the basic plan like adding more medical and it will not cost that much more. But if you want a newer more expensive vehicle and one with a much higher fair market value then you would probably want to get full coverage on that vehicle. Of course the full coverage will cost you a ton more money. Call around to several different insurance companies and ask them for a quote on what you decide you want. They will ask you some questions and then they can tell you right down to the penny what the rates will be.

  43. QUESTION:
    what cars are good/affordable for first time drivers+ about how much would the insurance be for that car?
    im wanting to buy a second hand car but want to know if i can afford all of the costs etc...so i was wondering if i could have any suggestions on good affordable cars, and an estimate on the insurance cost.

    • ANSWER:
      Try buying a small petrol engine car like Nissan Micra, Peugeot 106, Renault Clio, etc. Dont make expensive modifications to the vehicle. Buy car from a reliable source otherwise you will end up paying heavy maintainence bills. Insurance could be expensive for the first time but you can bring it down a bit if you insure it in a low crime area or where insurance comes cheaper. Also try some elder person in the family to be the first driver/main policy holder and yourself to be second driver. This would help you as well. Keep your car well maintained with service on right intervals otherwise you will again end up paying big bills. Hope it helps.

  44. QUESTION:
    Where can I get affordable car insurance in Tennessee?

    • ANSWER:
      if you go on line you can get free quotes from the top insurers, state farm,geico,hartford,allstate,etc. and do some comparison shopping, hope this helps good luck.

  45. QUESTION:
    What car insurance company is affordable for a student with a part time job with a fair amount of pay?

    Im a student who is looking to get off my parents insurance and is wondering if there is a good insurance company for students that dont have alot of money to play around with. Your answers are greatly appreciated

    • ANSWER:
      Your rate depends largely on your zip code, vehicle, age, etc. Different companies are cheaper in different areas. You may want to try getting a quote online. I am paying less than ½ of what I was before.

      Go to: http://www.insureme.com/landing.aspx?Refby=615451&Type=auto

      Take care,
      Casey

  46. QUESTION:
    Need affordable car insurance for 16 yr. old can you help!?
    do you have a teen that drives or just know what the best prices are!

    • ANSWER:
      With a teen insurance prices can be as high as 0 to 0 per month. A number of factors can affect the cost of your automobile insurance. Age, make and model of car, driving record, purpose the car serves, where you keep and drive your car, and your credit rating all affect insurance rates.

      Ways to keep rates low with a teen driver:
      There are a number of things you can do to lower your rates. Here are some tips:
      1) Choose an automobile that is inexpensive to insure.
      2) Ask your insurer if they offer any discount plans. Most insurance companies have both vehicle and operator discounts.
      3) Raising your deductible can lower your premiums. Make sure you can afford a higher deductible. Or, have them get an old vehicle that will only require liability coverage.
      4) It pays to shop around. You can often find policies that vary hundreds of dollars for the same coverage on the same car. Try an online service that will give you multiple quotes from top companies such as InsureMe - http://www.insureme.com/landing.aspx?Refby=614498&Type=auto
      5) Teach him/her to drive defensively.
      6) Insure them under the parents household so the can take advantage of your credit history.

      I hope that helps!
      Ron @ InsureMe

  47. QUESTION:
    i have 14 penalty points on my UK driving licence.. so where do i get affordable car INSURANCE???

    • ANSWER:
      Well as you at least you are aware now that 12 points and youre banned i can only guess some of the 14 were gotten 3 years b4 the last lot if you still have your lisence. The best way is to get someone you know (preferably with no points) to insure the car for them and any driver and you drive it. But check to make sure youre not banned cos when they realise points and bans dont stop you they put you in jail!

  48. QUESTION:
    my car insurance affordable?
    Currently I drive a 07 scion TC ... and using under my parent Car insurance policy of AAA... which would cost me approximately 200 dollar a month.... Would someone consider that too expensive and should get another car insurance?? any suggestion would be appreciated.. thank you...
    oh yea.. I live in California..

    • ANSWER:
      it seems affordable if you are one of the drivers on your parents policy. policy premiums also depends on credit card history, age and driving history. I am in New York and I pay 0 monthly for a 2008 CRV

  49. QUESTION:
    where can i find affordable car and renters insurance?
    i plan to move out and rent an apartment very soon and i really need to find somewhere that i can afford with good coverage? I live in Georgia

    • ANSWER:
      Just try some of the big carriers. Like Auto club, State Farm, Farmers, Allstate, ect.

      Go directly to their websites.

  50. QUESTION:
    Im a new driver, whats the most affordable and best car insurance for me?

    • ANSWER:
      I would try Wawanesa, since their rates are so low... but check into it first, I can't remember, but I think they don't insure people under 25


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