Auto Insurance Estimate

Frequently Asked Questions

1. QUESTION:
   how to get auto insurance quote/ estimate without a car?
   I am doing a research, and heard that ur insurance can be based on not just the model but the color of the car. I want to know how to get an estimate based on vehicle, model. So that I can make a diligent choice when purchasing my new car.

   • ANSWER:

2. QUESTION:
   Estimate for Auto Insurance on a 18 year old Living in GA driving a Mitsubishi Lancer GTS 20k?
   In Janurary of 08 i am going to get a New Mitsubishi Lancer GTS. I already know how much my monthlly payments are going to be the car is 20 grand. I Live in GA and was wanting to know around how much would insurance be if im 18 years old driving a new car. It would have to be full coverage and right now my family has Allstate. Can anyone give me a reasonable Estimate?
   Thank You.

   • ANSWER:
     Try going to http://www.myinsurancequotes.net and filling out an auto quote form. A local agent will call you and help you navigate the market. They should be able to run quotes for different companies and help you get the best coverage at the best price. I hope that helps.

     Jared Balis
     http://www.utahinsurance.org

3. QUESTION:
   What would be an estimate for auto insurance on a 16 year old male living in California?
   I recently got my license and am looking at auto insurances. Can someone find me a quote (or at least give me an idea) for a 16 year old male living in California. The vehicle would be a 2WD 1985 Corvette. I also have a clean record if that helps at all. Thanks!

   • ANSWER:
     Several methods you may think about.Like call your local insurance agent or do some researches on the internet,you should get the idea.

4. QUESTION:
   Auto insurance estimate for 5 points?
   Hi i have 5 points on my license i live in Baltimore city and drive a 1985 Chevrolet corvette with historic tags insurance with it in my dads name is very cheap even with me as the listed driver but i think my insurance company some how missed that i have 5 points on my license so i am just wondering if anyone has any ball park figures as to what my insurance might be when they see that i have 5 points thanks.

   • ANSWER:
     Do you have any idea if you are paying the lowest premium possible for your auto insurance? The truth is that every auto insurance company has its own way of rating people. One company would favor good drivers with no driving violations, but it charges more if you do have driving violations. Another company would favor drivers with some driving violations, but charges more if you are a good driver. Another company would favor people with excellent credit score, but charges more regardless of your driving record.

     The only way you can find out if you are paying the least amount for your current auto insurance is by getting bunch of quotes from various companies. I use Primerica Secure to get multiple quotes and was able to save 0/year on my auto insurance. I now have auto insurance with 21st Century instead of Travelers (which was my previous auto insurance). If you want to contact the agent who showed me Primerica Secure, just send me a message in my Yahoo Answers Profile.

     Anyway, there's no need to be attached to your insurance policy. If there's a better deal out there, why not take it? If you are paying the lowest possible, then keep it and do another quote when you renew your policy again because rates do change often by insurance companies.

5. QUESTION:
   What is the usual time frame for me to provide the auto insurance of the estimate of damages?

   • ANSWER:
     As long as it takes you, but do keep in mind that can't start on your claim until they have that information.

6. QUESTION:
   Auto insurance estimate.?
   OK. i will be 16 and have to be paying auto insurance soon obviously. So i was wondering about how much per month i could be expecting to have to pay. I really want a pontiac g5 so i am wondering if it has a high insurance rate or not.
   I think my parents insurance company is Allstate... just wondering in general though at how much i could be looking at.

   Thankss.

   • ANSWER:
     Although I cannot give you a quote, go to progressive.com or geico.com and you can receive a quote online. This will give you an excellent ballpark figure on what you'll have to pay. You might have a VIN number from the car you are looking at handy in case they ask for one.

7. QUESTION:
   Is auto insurance collision estimates pretty close to those at auto body shops?
   For example if my insurance estimated k damage, would the shop estimate K as well?

   • ANSWER:
     possibly --------- most use the same software

8. QUESTION:
   With usaa auto insurance claims if the estimate is over 3000 dollars I recieve a 2 party check..Can i cash it?
   I have hail damage and my estimate is over 4100 dollars. They said i will recieve a two-party check! Will my name be on it and my bank? Can i cash the check myself or does it go to my lender, because i choose direct deposit of the check

   • ANSWER:
     You can cash it only after you have the other party has endorsed the check.

     That's the purpose of a 2 party check. Both parties have to endorse the check.

     Everyone who has an insurance claim and a mortgage gets a two party check - made out the them and the mortgage company. You will need to call your mortgage company and explain the situation to them. They will tell you what has to be done in order to get the check processed. Sometimes if you call and ask for the "insurance department" you can save yourself a few transfers.

     Do not just sent the check to the address where you make your payments. The mortgage company will apply it to your loan. They will have a special department that handles insurance claims checks and it will have a different address.

9. QUESTION:
   how do i estimate auto insurance rates if i don't have a car?

   • ANSWER:
     you don't need to then do you

10. QUESTION:
    auto body insurance estimate online from my description of vehicle damage. (Not binding just informative)?
    I am thinking of placing an insurance claim and I am wondering approx how much the dammage will cost to repair.

    • ANSWER:
      There is, truely, no way to get within ,000 to 2,000 for the following reason. You do not have the knowledge to be able to give the repairer the necessary information to assess damage and, therefore, cost. Furthermore, only an idiot, I'm being serious here, would try to give you that estimate. It would be extremely unfair to you. One bent part, that you miss or don't think is bent, or a damaged part that is not visible, but can be determined by symptoms(driving etc.) could cost thousands to repair.
      Then, if he/she overstates the repair cost the insurance company can give him/her grief(you should not have given an estimate if you didn't look at the vehicle) and blacklist him. Or he underestimates the cost and you sue him/her because(well, you should have known you couldn't do it without looking at it) and maybe even win in court.

      Bottom line, unless it's a REALLLLY minor damage(and you're not qualified to know that or you wouldn't be wanting an estimate) then anyone who would give you one you shouldn't trust anyway.

11. QUESTION:
    So i got my estimate for my auto insurance?
    And i don't know how to read most of it.... like... what does R&I mean? under Op. is there a legend i can look at?

    • ANSWER:
      R&I - Remove and Install
      R&R - Remove and Replace
      Repl - Replace
      Rpr - Repair
      Refn - Refinish
      Blnd - Blend

      Every estimate program is a little different, so you may have these listed under Op. (operations) or you may have something different. There usually is no legend to look at. The adjuster should have explained everything to you.

12. QUESTION:
    What do you do if your auto body estimate and your insurance adjuster estimate is way off?
    I hit a couple of turkeys with my car and got an estimate from the auto body they came back with ,100 to fix. The insurance adjuster came back at 0. After mt deductible it leaves me 0 to fix ,100 worth of damage. All because it looked like the passenger fender and headlight had been repaired before. But that wasn't even in the auto bodies estimate! Can I fight with my insurance company and see if they'll meet me in the middle?

    PS Insurance is BS.
    How do I go about it? Do I just tell the claims people give me another number or do I talk to a manager? Any help I would appreciate!!!!

    • ANSWER:
      mr. bluto back an right . have to go to albertation

13. QUESTION:
    Auto collision repair--insurance and estimate questions???!!?
    I got into a small accident whereas I was rearended by a truck. I drive an 07 honda civic i've owned less than a yr. His front bumper had a small dent, and my rear only minor scuffs/scratches. Estimator appraised cost to fix as 1. My deductible is 0. Is this worth it for some small scratches? Should I wait for his insurance check and fix this myself? Just want some ideas.

    • ANSWER:
      From my experience, every time I didn't get the insurance involved things got ugly... FAST.

      So my advice... Call your insurance let them deal with it. I may be wrong but if you were not at fault you shouldn't have to pay a deductible.

      Good Luck

14. QUESTION:
    Auto insurance claims appraisal estimate???
    I had a car accident some days ago(not my fault). The guys insurance company will cover all the damage which is a very light damage on my vehicle, maybe some scratches on the passengers side. When the appraisal came to give me an estimate for the damage, I included as much repair value as i could, like my front bumper that was already cracked, the alloys that are already scratched and things like that.Well the appraisal gaveme a 00 estimate!! I was surprised. Now,my question is... Can I just keep the 00 dollar check and fix the car my self??? I really only need the paint job done, the rest should be fine....Funny right??

    • ANSWER:
      Yes, you can keep the whole check. You don't have to get any damage repaired ever, unless the car is unsafe to drive. Just let the adjuster know you'd prefer to have the check mailed to you, so she doesn't make out the check to the wrong person.

      Also know that what you're doing is very serious insurance fraud. You probably won't get caught, but there's always the small chance that you might go to jail.

15. QUESTION:
    Can someone help with auto insurance quotes or estimates?
    Im going to be 16 and i will be buying a car that is no older than a 2001. im trying to get a toyota highlander and it will be right when i get my license because of my job, school, etc. Does anyone have an estimate of what it will cost a year to insure my car? Any kind of help would be greatt!

    • ANSWER:
      Try this site

      http://quoteinsurance.notlong.com

      here you can get quotes from different companies in your area, I hope it helps you.

16. QUESTION:
    estimate on auto insurance?
    for a 20 year old who wants a Vw Beetle years 1961-1975? How much would it roughly be? And by what providers? if you can please.

    • ANSWER:
      I would need more information to get a decent estimate but I did a quick quote, again guessing location and with full coverage it was about 0 a year.

17. QUESTION:
    Auto Body Shop gives me an estimate higher than insurance settlement bus says they'll work it out?
    Before I got word back from my insurance company on a settlement for a cehicle accident, I already got two estimates from two body shops.

    The estimates were at ,000 .... but now the insurance company has said that they will cut me a check for ,000.... the body shop says they will work something out... what does this mean?

    • ANSWER:

18. QUESTION:
    We took an insurance estimate to an auto shop to have a car fixed that we own. Insurance had already gave our ?
    check, but decided to sell the car. The check was wrote out to us so it was our decision whether or not to fix the car. Well someone wanted to buy the car from us as is, wrecked, so we sold the car. The auto repair shop called to tell us the parts were in and we told them we would call them back. Well they called us back and we told them that we sold the car and did not need to use them anymore. Now they are telling us that we are responsible for paying the parts because they already ordered them. Are we legally bound to buy the parts from them, even though they did no work and we did not sign anything?

    • ANSWER:
      You did not authorize the repair, or the ordering of the parts. Even if you did, the shop can return the parts, parts are returned every day.

      The shop is trying to bluff you into paying for the parts, that they will then return for credit.

      The correct response to someone asking you to pay for unordered merchandise is "Do not call me again" If they try to threaten legal action, tell them that you would love to see them in court, when you file fraud and harassment charges.

      No signed repair order, no deposit left, no contract

      No contract, no money due!

      Never go back to that shop. They are not honest.

19. QUESTION:
    Are there any Auto Agents or Underwriters that can estimate how much my insurance will go up?
    By trading in a 2006 Honda Element EX-P 2wd for a 2007 Mazda 6 Mazdaspeed (270 HP, AWD)?

    Thanks for any accurate feedback.
    Even a percentage would work. I pay 5 every six months for the Element.
    0 deduct, 100/300/50
    jmrob,
    Thanks. I knew it would go up. I was fearing 100% increase

    • ANSWER:
      20% increase (the model names you gave me aren't actually listed in my directory so I used Honda Element EX 2WD, and Mazdaspeed 3 and Mazda 6).

      Your going from a family type car to a more sporty version with more options.

20. QUESTION:
    (NY states) Do I have a right to correct the estimate of damage to auto insurance co.?
    There was a hail in Buffalo so my car is a little messed
    So I made a claim for comprehensive damage since I have a full coverage.
    And had a estimate of $ 1300.
    But I went to two other dealer shop, and they get me an estimate of 00 and 00.
    So I called insurance company and ask for a re-estimate.
    But they refused to do it.
    They said once I go to dealer and fix it, then they will pay the rest of money I needed.
    That doesn make sense to me.
    That's my choice whether I fix it or not, isn't it?

    Please let me know...
    It is the first time that I m dealing with a insurance company so I don't know anything about it.
    Please give me an advise at this point.
    It's progressive.

    Thank you for listening to my patient
    You have a wonderful day.

    • ANSWER:
      If you don't fix it, Progressive will cancel the comprehensive coverage on your car.

      They lowball it on purpose - in case you decide not to get the damages repaired. After all, if you're not FIXING the car, you don't have to worry about it!

      Progressive also pre-negotiates the labor rate. So you need to check and see what the difference is in the three quotes - dollars to donuts, it's the labor rate. Last I heard in PA, Progressive was paying about negotiated in advance. So if these other guys are doing a labor rate, you're NEVER going to get that.

      Also, once you're looking at K in hail damage, you have to think about your car - if it's not worth that much, it will total your car out.

21. QUESTION:
    can someone give an estimate on my insurance?
    dont post auto insurance websites, i am not putting all my personal information out on the computer. I just want a rough estimate of auto insurance (full or liability) on something like a V8 corvette for a new driver in PA with no accident/ticket history thanksss

    • ANSWER:
      Ma and Pa insurance? About 95-175/month depending on age and color/yr/make of car. Allstate and similar companies 200ish - 250ish.

22. QUESTION:
    How do i recieve a check from auto insurance companies instead of having them to fix it?
    I was just in a car accident and someone hit my car. I need her insurance company to pay for the damage. however I need the check and I don't want to fix the car now. Should I take the car to a body shop and get an estimate for the damage and then send the estimate to the insurance company and ask them for the check? What should I do? please help me.

    • ANSWER:
      You are not required to have the repair work done. In a case where someone else damages your property, you have the exclusive right to determine how and what repairs will be made. An insurance company cannot require you to use a specific shop, nor can they require you to have the repair done.

      Get several estimates and send them to the insurance company!

23. QUESTION:
    auto insurance..??
    I'm trying to get just PL&PD, and the insurance websites are really hard for me to understand at the moment... I'm 19, just got my license, no experience on the road good or bad, good grades, and my car is a '96 Ford Taurus... about how much will my insurance be?? just a guess is what I want, and also if you have what company you got your estimate from, that would be really nice. Thanks

    • ANSWER:
      If you are not understanding the websites, then look for a local insurance agent. Go to them and take out a policy. They can explain all the coverages so you have a better understanding of what you are actually buying.

      Good luck.

24. QUESTION:
    Would I need auto insurance if Im driving a motorcycle/scooter with a Motorcycle Instruction Permit in AZ?
    I am thinking about purchasing a Yamaha Vino (2004-08 model) and also I will be obtaining my Motorcycle Instruction Permit. I would like to know if I would need any form of auto/motorcycle insurance while practicing with my permit. If so, how much would it cost me per month (rough estimate)? I am 16 years old btw.

    • ANSWER:

25. QUESTION:
    Should I file an claim with my auto insurance?
    I haven't had any claims on my auto insurance and I've been with them for 8 years. I backed into a parked car (no body in it) and the estimate to fix it is 60. My deductible is 0 and there was no damage done to my truck. Should I file a claim or pay out of pocket.

    • ANSWER:
      First, there is no deductible for the liability portion of your car insurance. The deductible only applies to damage to your car under your Comprehensive and Collision coverages. That means if you put the claim in under your insurance you pay nothing for the damage to the car.

      That said, your premiums will go up for having an At-Fault accident. How much and for how long depends on the company, coverages and discounts you now have. Most that I have seen surcharge your policy for 3 years for an accident. Since you have been with your company for 8 years I doubt you'd get cancelled.

      Have another accident in that three year period, though, and your rates will likely skyrocket and you can risk cancellation.

      All that said, this is what you have insurance for. If there was only 0 damage, I might consider just paying the damage. In this case, though, I'd put in the claim.

      Good luck!

26. QUESTION:
    What's the estimated Auto Insurance Payment on a 2007 Toyota Yaris Sedan New?
    Whats the most I can expect to pay for financing a New Toyota Yaris Sedan for a 71 year old with NO Prior Automobile Problems.
    State of Michigan

    • ANSWER:
      Call your insurance company or some other company and get a correct quote, I have also heard that in some states the insurance goes up on elderly people.

27. QUESTION:
    How long do you have to submit a claim to your auto insurance after an accident?
    My husband was just in an accident. A man backed up into our car in the city. He got a police report. The man wants to pay us without going through his insurance. We of course need and estimate which we can't get until Monday. So if he does not want to pay can we still submit a claim?
    This just in! The police advised him against the report as they said our insurance would go up (ny) even though it was not our fault. Now what?

    • ANSWER:
      My dear community member, we don't know your state or your company. Go to the website of your Insurance CO. or call the rep in person. Laws and policies differ. Good luck and sorry for your trouble.
      Jana

28. QUESTION:
    should I file a claim with auto insurance?
    I drove my car into a column in a parking lot, denting and scratching the left side of the car. Repair estimate is about 1600. My insurance deductible is 500. Is it worth filling a claim? How much will my premiums go up if I file a claim? I have excellent record otherwise.

    • ANSWER:
      That's a tough one, I personally would shop around, try and get the best cash deal and pay out of pocket. Some companies may forgive for a first time accident but rates still go up a little. If for some reason you would switch then to another insurer you get nailed for it. Even if your company forgives the first, if you get involved in another then you're on file for 2 accidents, the forgiveness goes out the window. Either way I think over the next 5 years you will end up paying way more then the thousand bucks. good luck

29. QUESTION:
    Can an Auto Insurance company force you to use aftermarket parts for repair in Connecticut?
    I had tire tread fly into my car on the highway. Tore the bumper and smashed the condenser. The insurance company has after market parts on the estimate, but I want to sell this car someday and want OEM. I'm pretty sure I am out of luck, but just wanted to make sure as this is my first time dealing with an incident. Thanks.
    Haha, yes, I know what after market is. What I didn't know was insurance policy and effect to the value of the vehicle. Great answers so far. Thanks for all your help.

    • ANSWER:
      When you go to sell the car they wont' care about the OEM parts. If you go to a dealer to trade the car in, they will see work is done. Right there they will assume the worst. You can fight yoru insurance company. Get an estimate on your own and see if they will pay for it or meet you half way.

30. QUESTION:
    how do i receive a check from an auto insurance company instead of getting the car fixed?
    somebody left a dent in my car and they claimed it with their insurance already. i'm going to them for an estimate but how do i get a check for the estimate instead of repairing the car?

    • ANSWER:
      The third party insurance company doesn't care if you do not repair your vehicle. They seldom send the check to the autobody unless for some reason you signed a direction to pay. Otherwise, you get the check and a copy of the appraisal.

31. QUESTION:
    where can i get cheap auto insurance for an 18 year old student with a 2000 mustang?
    Well this may sound like a long shot, but I just recently bought my son a 2000 Ford Mustang, Now its insurance time, hes 18, gets A's in school and has had drivers ed. Why do the quotes from Progressive and esurance estimate its going to cost nearly 0 a month, even with a 1990 honda junker it still cost nearly 0 do these prices seem reasonable, i cant recall them being that high, when i first got insurance, thanks.

    • ANSWER:
      Look at State Farm and other insurers who offer a "good student" discount. One strike against you on the premium is the fact that you bought a Mustang. This is considered a sports car in vehicle ratings (IRG) and add to that an 18 year old single male and it causes actuaries everywhere to shudder. Those are all high risk elements when figuring a premium. However, if he's in your household and you have multiple policies with the same company and he's got the grades AND you have a good claim history with no accidents, that will give you the best rate. If he didn't have a car that had to carry collision coverage, it would be a lot cheaper but what's done is done. No matter the cost, be sure he has at least 0,000/0,000 liability limits.

32. QUESTION:
    Can I talk to my auto insurance company about whether or not to claim something?
    I hit a concrete dumpster enclosure. No damage to concrete, but one estimate put the damage to my car at 00. My deductible is 0. Can I call my insurance company and talk about whether or not I should claim it? Will my premiums go up significantly?

    • ANSWER:
      Don't call your claims department if you're not sure. Once you call them, they will file the claim. The company I work for requires us to file the claim once we answer the phone. If you want to know whether or not to file, call your agent first. He or she will be able to tell you if this will raise your rates.

33. QUESTION:
    Should auto insurance rates be based on credit?
    Thats whats happening now. Because i have bad credit i am paying double of what i would pay if i had excellent credit. I have never been at fault in an accident in my life. Age (49). I did an estimate for auto insurance and saw how credit affected my rates. Don't you think this is illegal, what insurance companies are doing. CAN THIS BE A MAJOR CLASS ACTION SUIT?
    Thats like saying "statically black people steal, so we can ban them from our stores"

    You cant tell me someone with a clean driving record, and clean insurance record, for 30 some years..with bad credit is a threat
    doesn't that violate our rights?

    • ANSWER:

34. QUESTION:
    How much does your rate go up with Auto Insurance when you hit someone? I had 2 incidents this year.?
    I filed a small claim in April 2007 for total damages about 00. There was no damage to my car but I hit my babysitters car who was doubleparked in front of my townhouse. Now I just hit someone else and the estimate is about 00 for his bumper. I am wondering if it is worth it to go through my insurance and have another claim against me or if I should just handle it out of packet? My insurance fro the year now is very good only 62. But for some reason this is a bad year for me. I have 2 kids (1 with autism) that is always driving me crazy while I drive . I don't want to hurt myself by going through insurance. Thanks

    • ANSWER:
      I'd pay the,000. Generally, most insurance companies will indeed surcharge you for accidents and it will most often take about 5 years for the accident / traffic violation history to' wash off' your policy. That being said, do what you gotta do. If money is tight right now, place a claim. Under certain circumstances it lessens the load to pay in smaller monthly payments than it is to pay one larger lump sum.

35. QUESTION:
    Instead of fixing my car, how can i get my auto insurance company to issue me a check for the damages?
    My 1996 Lexus ES 300 with over 200,000 miles was hit (not my fault) on the rear drive side tire well. I got an estimate for it, and it was approximately ,900 before tear down. Seeing that my car may not last any much longer, how does one ask for a check for the damages to the car? My insurance is AAA.

    • ANSWER:
      Im assuming you dont still owe money on your car? (b/c if you do.. you have to get your car repaired- you dont have the choice to just get a check)

      Simply tell your insurance company you just want a check for the damages because your not sure if/when your going to get your car repaired. They dont care if you repair or not- they just want to pay out for the damages and have the claim be over.

36. QUESTION:
    How much does auto insurance cost in Orange County?
    can someone please just give me a rough estimate of the cost per month for one car? Just a used sedan, nothing fancy. I am a single male with a good record. I know it would vary based on a lot of factors, but I'm just looking for a ballpark figure for cost per month.

    I am NOT lookng for referrals to companies. If you post spam links to insurance agents, I will report you.

    Thanks.

    • ANSWER:
      Its hard to tell you because it depends on a lot of factors, try this site where you can get quotes from different companies

      http://biinsurance.notlong.com

37. QUESTION:
    Can I pocket money from an auto insurance claim?
    My care was rear ended by another car. The insurance company wants me to go to a body shop and have an estimate done and they'll pay the shop directly to have the repairs done. My car is a little dinged up right now but I need the money for something else. How can I claim the check for myself?

    • ANSWER:
      You just ask the adjuster to pay you directly.

      Keep in mind, you'll be leaving money on the table this way, they'll NOT give you the full amount of the estimate. But if, within a reasonable amount of time, you do get the work done, you can ask the insurance company to pay the additional amount to the body shop.

38. QUESTION:
    Approximately how much would it cost for auto insurance for a person thats 16?
    About how much would it cost to insure a 16 year old with a 2009 Nissan 370z? Parent's credit is near perfect and car is in their name and I have my grades higher than 3.0. Saying "a lot" of money doesn't help because I already know insuring a car like that costs a lot of money, just looking for a rough estimate.

    • ANSWER:
      lets put it this way. im 19 and i drive a 1996 ford ranger 2x4 with a 4.0 v6. insurance costs me 0.00 per month. no accidents and good grades.

      my guess for you would be much closer to 200 dollars a month

39. QUESTION:
    What would be considered cheap for a new driver's auto insurance?
    Also, what would be considered average or too high?

    Any car really, just focusing on the pricing at the moment for a ballpark estimate.
    Alright, time to clarify. I will be a brand new driver, I don't really mind the car. I will be 17. Minimum coverage will do. Hope that helps.
    I live in an upper to middle class area as well, crime is very low. When winter hits we rarely receive much snow.

    • ANSWER:
      Depends. Are you looking for full coverage or just the minimum. Also depends on the vehicle, newer or older, sports car luxury car. Sports cars your going to pay higher. The cheapest car to register is a 4 door automatic, 4 cylinder passenger car. Full Coverage roughly 0.00 month, minimum roughly month. If its an older car then those numbers would be lower.

40. QUESTION:
    If I report an auto insurance claim under my comprehensive, does it count against me?
    Not sure whether to report an damage to my vehicle. I estimate the cost to be about $ 500.00 +. My deductable is $ 500.00. Any info will help
    Please note: this was not an auto accident.

    • ANSWER:
      It depends on the state you are in. That is what was told to me by an insurance adjuster in Missouri when I had a table fall into the door of my truck when I was unloading it.

      Comprehensive coverage is to cover accidental damage not related to a collision such as fire, hail, theft, falling objects, ect. You DO NOT have to make a claim to your insurance carrier on this, especially if you live in a state where they can raise your rates as comprehensive coverage is not required by law. I would highly recommend not filing a claim regardless if your damage was not caused by a collision and your cost of repair is under the cost of your deductible regardless of the state you are living in.

41. QUESTION:
    who offers cheapest auto insurance for 25 year old males in la?
    give insurance estimates

    • ANSWER:
      Your age and location is too much of a generalization to determine an estimate for your car insurance. It all depends on your driving records, type of car, the safety features it carries, the exact location where you live, whether or not you park your car in the garage, driveway, or street. It also depends on your credit, if you go to school, if you took defense driving lessons, if you are in the military, and the amount of coverage you want for your car whether you want full coverage or not. Other things depend also, but that's the majority of it. Try browsing online for insurance and get quotes so you can compare and choose which insurance is best for you.

42. QUESTION:
    How much would auto insurance cost for a 1996 dodge viper?
    I just need some sort of estimate.

    • ANSWER:
      actual rates on that one will vary a lot,for a person 18 with a good driving record i seen it for 400 a month,and that's the cheapest it was,it goes on up depending on the amount of coverage you want on the car,tops on it was 750 a month,for full coverage with a perfect driving record,no car is worth driving that much ,not to me,good luck.

43. QUESTION:
    Can I get a check from auto insurance company for repairs and just cash it?
    I had a little fender bender the other day....not my fault. A guy hit my truck while I was in my office working. Of course I was not in it. I have gotten an estimate but the damage is not bad at all. I was thinking can I just get his insurance company to cut a check to me for the damage without me being obligated to actually getting it fixed?

    • ANSWER:
      Cash the check, it's yours to do with as you please. Keep in mind, you'll now have pre-existing damage and if it's hit again, you won't get the full value for repairs.

      One more note, the value of your vehicle is depreciated if it's not repaired.

44. QUESTION:
    I was told that additional cost on estimate was going to go directly to the auto repair shop, Is this normal?
    my insurance adjuster estimated my car damage to be X amt but my auto repair shop indicated that there are some additional repair. so insurance is sending addl. cost $$ to go directly to repair shop is this normal?

    • ANSWER:
      Yes,but usually the ins co sends a check to the shop made out in their name as well as yours so you have to sighn it when the job is done,thats just to make sure you get the car fixed,and don't pocket the money.

45. QUESTION:
    Can I fight an auto insurance company, to prevent my car from being declared a total loss, in California?
    Its an older car but only has a small dent. I understand that its the value of the car vs their estimate of repairs that they are basing this on, but they didn't include options like A/C, cruise control, power door locks and power mirrors and others when figuring its worth. They instead based it on an average car in my area. When doing the math the difference between fixing the dent and totaling the car came out to .00. Clearly the addition of the options would have covered that spread in my favor. I want to fight this because I don't want to have a salvage title. I was not at fault and the other parties insurance has already sent me a check I have not cashed nor have I signed anything. I want to know what I can do. And if I am stuck with the total loss, do I have the right to recover for re-title and re-registration charges and smog fees that are going to add up to a few hundred out of my pocket since I am keeping the car. Thanks for taking the time to read my question.
    You can only see the dent if you look at it at the right angle other than that my car is beautiful and runs great. It doesn't make sense to me why the insurance company would rather pay me almost 00.00 to total it when I would have settled for their estimated damages of 50.00 to keep my title intact. (Very over inflated estimate in my opinion). No wonder insurance is so expensive, they are paying people more than is necessary to settle a claim. From a business stand point I think someone needs to evaluate their adjuster and estimator and see just how much money they have given away over the years because they sure don't pay that way when someone gets hurt. They also sent me 0.00 for a rental car charge I never had. Its crazy. Thanks for your answers.

    • ANSWER:
      Yes, this can be fought and won.
      First, take the car to an independant body shop and get their best estimate, in fact, two or three might even be better.
      Now, who is at fault in this accident, you or the other party?a if the other party was at fault,then have your car fixed at the lowest price shop,and file a small claims suit against both the driver of the other car, their insurance company, and your own if they refused to settle.
      I speak from experience in two such cases. The last the insurance company tried to total my vehicle stating the cost of repairs totaled over 00.00 and the value was only 00.00.
      The charges listed on their estimate was proven to be very much inflated, as a new fender was included at over 0. with paint and installation. ( A new fender was purchased at .00, and installed in 20 minutes) and that was the only repair necessary plus a wheel alignment at a cost of .00. When this was presented at small claims court, the insurance company paid without any further delay.
      The problem lies with the law whereas insurance is compulsory, so they get away with anything and everything, as there is no control over their actions.

46. QUESTION:
    Will this affect my auto insurance rate?
    I accidentally hit a poll, no one was injured.
    Only damage to my front bumper.
    I went to a body shop and the estimate is ~00.
    My deductible is 0.

    Should I go through my insurance or just pay it out of pocket?

    Will a claim automatically make my insurance go up?

    I am a 29 y/o married male with a clean driving record.

    • ANSWER:
      yes it will go up and will stay in your record for 3 years. this insurance companies are just ridiculous.

47. QUESTION:
    what is a good site for FREE auto insurance?
    ok so im tired of sites making me give away all my personal information just so i can see what owning a type of car would be a year. the 2 cars i am looking to insure are either a newer lotus elise or a 79-81 Pontiac trans am. im 22 male in Chicago with now accidents or bad credit. i need an estimate or a site, thank you!

    • ANSWER:
      On www.allstate.com you don't even have to give you name to get a "ballpark quote". And if you choose them, it'd be hard to find a better company to work with.

48. QUESTION:
    i have state farm auto insurance and i own 2000 volvo s40 and?
    i have recently got in an accident and got the estimate for the repair... it was around 00
    i live in louisiana and i was wondering if my car is gonna be totaled or is there anyway i can reduce that repair cost to avoid totalling?

    • ANSWER:
      Kelly Blue Book

49. QUESTION:
    about how much does full coverage auto insurance cost?
    I'm just curious of how much a good estimate is. If you need a vehicle, try 2000 Honda civic.

    • ANSWER:
      I estimate it will be 5.25

50. QUESTION:
    Auto Insurance: What is "Release of All Claims" form?
    I got into a car accident recently. No injuries thankfully. The car damage will be roughly about 00 (The appraiser has not yet sent me the estimate). The car is not drivable, so I am taking the bus/metro. I also went to the doctor for a checkup (which cost me my basic co-pay).

    The adjuster called me and said they will refund 0 towards my travel/medical expenses. I said fine. Today, I got a letter from them saying I have to fill a "Release of All claims" form.

    The form basically mentions that they will pay me 0 and says that I will not hold the insurance company or the insured liable for any more claims. Is this a standard procedure? It does not even talk about the additional expenses (approx 00) which will be towards car-repair.

    Please advise. What should I do? It is a typical auto insrance claim with no injuries. Why are they making me sign such a Release of Claims form? Should the form mention about the car-repair expenses also?

    • ANSWER:
      This is a release and it is only for your bodily injury claim. If you are concerned about that, call and confirm. If you want to be paid for your injury you must sign this release. It basically says in exchange for this payment you are agreeing that you will not sue their insured and this matter is concluded. Again, it should not have anything to do with their payment for your vehicle damage. Most insurance companies handle that as a separate matter and do not require a release to be signed for the property damage.