QUESTION:
how can anyone justify buying auto insurance from a cartoon?
those esurance ads are really getting on my nerves! some cartoon chick fights ninjas, robots etc. and we should buy insurance from that? if, by chance, you signed up for that, why?

if you didn't (hopefully everyone), how do you feel about those commercials?

• ANSWER:
  Cartoon, lizards, cave men, which is worse?

QUESTION:
Instead of buying auto insurance is there a way to just have a savings account just for $coverages?
So all US states require all cars on the road to have insurance ... since insurance is just dollars put asside for release in the event of emergencies or other pre-determined event ... why cant I just put 0,000 into a bank account and call it my auto liability account and have my car insured with the state under my name providing that I don't touch those funds?

• ANSWER:
  Some states will allow you to post a bond instead of buying insurance - but you can't put the money in YOUR savings account, it has to be held by a bonding company or the state - ie, it won't get interest. That's so if/when the accident happens, you can't change your mind and decide not to pay the other party.

QUESTION:
When buying auto insurance, why do they do a credit check?
Why does your credit effect your insurance premium. My insurance company withdraws my premium directly out of my checking account, and if I do not pay my insurance, they would simply cancel my policy, so what role does credit have in this situation. I must of had a "ding" or two on my credit, because after I was quoted, my premium went up a few bucks a month after they ran my credit. I have never caused and accident, nor had ANY moving violations......been driving 17 years....what gives? Is this just a way to get more money out of us? Being late on a couple bills over the years does not make you a reckless driver!

• ANSWER:
  It's like prior speeding tickets - insurance companies have found a direct corrolation between credit score, and claims paid out.

  There haven't been any studies, to the best of my knowledge, WHY people with lower scores have more claims filed, and more paid out on claims - so anyone who says "it's because you don't maintain your car" or "its because you driver carelessly" is talking out of their hat (or, SHOW ME THE STUDY!!!).

  But I have seen the charts with my own eyes!! That show, people with a credit score of 705, on average, have paid out in claims for every paid in premiums; and people with a 550 have .50 paid out for every paid in premiums.

  Insurance departments in just about every state allow credit score to be used as a rating factor, because the mathematical relationship is THERE, and is PROVEN.

  Sorry, they really don't care about why.

  Now, what you need to do, is get a copy of your credit report and clean it up!! MOST of the time, closing out all the unused, newer accounts can seriously increase your score - as it's not just about paying bills on time, but how many times you've applied for credit in the past six months, how many accounts you have open, balance due on accounts, available credit (lower those credit lines!!), and the average length each account has been open.

  Yep, people who move from one credit card company to the other every year, getting the lowest interest rate, and always paying on time, have a WORSE credit score than someone with a couple late payments, that's had the account for 10 years.

  Hope that helps.

QUESTION:
Will buying auto insurance with my bf save us both money?
We live together and have a child together. We drive each others cars a lot. Will it benefit us to get a joint policy?

• ANSWER:
  If you both have good driving records and are similar ages then you will likely be able to save money due to a multi vehicle policy discount.

  However, most company's will require that the vehicles be registered in both of your names. At least have them both registered to the named insured. This isn't always required but is general your safest bet.

  Call your agent to check it out and the restrictions on registration.

QUESTION:
For buying auto insurance, which is better: direct to the company or thru an agent? What are the pros & cons?

• ANSWER:
  Great Question. More people should ask it before they buy insurance. The ONLY people who should buy direct are people who are in the insurance business themselves.

  I am not an agent. I am a claim adjuster and see what happens to people when they buy direct without any assistance and screw themselves over in the process.

  Car insurance is too important and complex for people who don't work in the business to get it right the first time.

  Having an agent will allow you to have somebody explain why it is not a good idea to get the minimum liability coverage required by your state. (It is NEVER enough)

  An agent will also know all the "fine print" that you probably wouldn't even notice if buying direct, especially online. They advise on many things you won't get help on buying direct.

  Go with a local agent most will work very hard to do what is best for you and your family.

QUESTION:
What are New Jersey's minimum requirements when buying auto insurance for a LEASED car?

More specifically, Liability amounts, PIP amounts, Bodily Damage amounts, etc... Thanks!

• ANSWER:
  As per the laws for auto insurance in NJ, you must carry at least a standard policy with a minimum of ,000 of coverage for property damage, a minimum total of 000 for injuries for all parties in an accident, and a minimum 000 of bodily injury liability coverage per individual.

  This minimum insurance requirement is commonly referred to as 15-30-5.

  Though it is not legally mandatory under the laws for auto insurance in NJ, it is highly recommended that you also carry underinsured or uninsured motorist coverage.

  This coverage protects you in specific cases, where you suffer from injuries or face property damage in an auto accident while another party is at fault, but the party at fault does not have adequate amount of insurance coverage to pay for the loss caused to you.

  In this situation, if your policy has this coverage, it will pay you for the loss.

  If you are found guilty of violating the laws regarding auto insurance in NJ, you will face certain penalty charges.

  For example, the penalties for the first offence include a possible (not mandatory) license suspension for twelve months, community service, and 0 of monetary fine.

QUESTION:
I intend buying a new Honda. What auto insurance buying process do you suggest?
Problem is:I don’t know whether to insure it before or after buying the car.

i may consider comparing quotes online, but i don't know if this is necessary.

• ANSWER:
  Comparing quotes is only necessary if you want to optimize your money vs value.
  If you don't care paying k yearly for some cover that might cost you to some 5 somewhere else then just buy from the first one that comes along, as in all things.

QUESTION:
What matters most to you when buying auto insurance?

• ANSWER:
  What matters most is how far you are covered in the case of an accident. There are three questions I would ask:

  How much am I covered for if I have an accident and it is my fault?

  What happens if I am injured in an auto accident and I need medical attention and can't work?

  What happens if the other driver is at fault but hasn't got any insurance?

  You always think that these things won't happen to you, but just look at all the questions on Yahoo and you'll see that they do.

  Have a look at this website because it's got a lot of useful information.

  Good luck!

QUESTION:
In what ways does buying a car affect auto insurance premiums?
I'm looking at buying or leasing a new car and am wondering how that'll affect my auto insurance premium. Also, which features in a new car affect the premium. I've heard about red paint and sports cars causing higher premiums, but are there any other factors?

• ANSWER:
  The car affects the premium. New cars are worth more than cars several years old, so they cost more than older ones. High priced cars cost more because the potential loss is much greater than for that of lower priced cars. Sports cars cost more because they're supposed to have more accidents. I'm not sure that's true, but that's what the people who set the rates think. Also, cars that are stolen alot have high premiums. You also affect the premium. Do you have a good driving record? That lowers premiums somewhat. If you're middle aged or older, your premiums are usually lower because older people are considered safer drivers than young ones. I'm not sure that's true, but again, that's what the people who set the rates think! Hope this helps ya!

QUESTION:
When buying auto insurance is it better to have your dad own the car and put you as the additional driver to s
When you purchase car insurance is it better to have the car under your parent's name for ownership and add your self as an additional driver for your own policy to save money even when you will be driving most of the time?
Well my dad has perfect record been driving for 35 years. Is it still better to get my own? They say ownership of the car is important.
Well for me I have perfect driving record since 18 years old but they want 00 for 1 year of insurance for k coverage with 0k for the entire accident and that seemed pretty expensive. I've been driving since 18 years old and have no accidents or bad driving record and they still want that much. My car is only worth 00 since I am driving a 1990 Toyota Camary. I can't believe the insurance i pay for my 1 way insurance is worth more than my car

• ANSWER:
  Since you car is only worth a thousand dollars there is no reason to have full car insurance drop it down to Liability, medical and under insured/ no insured. This would mean if you wrecked your car and it was your fault they wouldn't give you any money. Take the extra money you are saving every month and put it aside for your next car. There is no reason you should be paying that much. You might want to just call them up and ask them or consider switching companies.

QUESTION:
Resolved Question Show me another » In what ways does buying a car affect auto insurance premiums?
I'm looking at buying or leasing a new car and am wondering how that'll affect my auto insurance premium. Also, which features in a new car affect the premium. I've heard about red paint and sports cars causing higher premiums, but are there any other factors?

• ANSWER:
  The car affects the premium. New cars are worth more than cars several years old, so they cost more than older ones. High priced cars cost more because the potential loss is much greater than for that of lower priced cars. Sports cars cost more because they're supposed to have more accidents. I'm not sure that's true, but that's what the people who set the rates think. Also, cars that are stolen alot have high premiums. You also affect the premium. Do you have a good driving record? That lowers premiums somewhat. If you're middle aged or older, your premiums are usually lower because older people are considered safer drivers than young ones. I'm not sure that's true, but again, that's what the people who set the rates think!

  Try this site to find the best auto insurance

  http://best-auto-ins-usa.blogspot.com/

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

  Hope this helps ya!

QUESTION:
How could i find the best company for buying in auto insurance ?
Does anyone have good suggestion ? please help.

• ANSWER:
  I recommend you this site where you can compare quotes so you can find the best option for you

  http://EstimateAutoInsuranceRate.info

QUESTION:
What issues do I need to know when buying renters/auto insurance with a domestic partner and adopted child?
I don't know the questions to ask or issues I might encounter and what to make sure there aren't any gaps in my coverage. (i.e., is my DP's stuff covered under my rental policy?)

• ANSWER:
  Depending on your state law, you could have a VERY hard time finding a company willing to write a policy on you and a non-spouse.

  For a rental policy, you have to be a named insured. It covers relatives (NOT Live ins) and their stuff, but the named insured gets paid. Most companies will NOT list two non-married people, both as named insureds.

  For auto policy, you have to have ownership interest in the scheduled vehicles. Unless you BOTH are on the title and registration, you will NOT both be "named insureds". There are coverages on an auto policy afforded to "named insureds" that are NOT afforded to "listed drivers". So if you were to list your partner as a driver, that would be fine for YOUR cars, but the policy would NOT cover them if they were to borrow someone else's car, or rent a vehicle.

  I'd recommend you each have your own policies. Or rather, talk to a local agent, and see what your particular state laws allow. But I'd HEAVILY recommend you each have your own policies.

  Oh, the child part doesn't matter. They're covered just like a natural child, under renters and auto.

QUESTION:
Buying auto insurance?
Can two brother's buy auto insurance regardless of if they live together or not?

• ANSWER:
  Sure.
  What the insurance company is looking for is called "insurable interest". Basically, they need to own the vehicle together or drive the car regularly. They rate the car based on where it is garaged at night.

QUESTION:
Buying Auto Insurance in Ontario, Canada?
Dear every auto owner in Ontario:

I'd like to buy a new car, so I want to get your precious opinion.
I am over 32 years old, and I own a full G license.
1. What items (policy) of auto insurance are strongly suggested to buy (besides liability)? How much does each those items cost me (just roughly)?
2. Any good reputation with reasonable price of auto insurance companies are suggested for me to compare with?
3. Can you give me a rough price that I should pay for auto insurance fees per month?
4. With a certificate of driving hours from my driving school, how much discount can I get from the insurance company?

Any other precious suggestions for buying auto insurance are strongly welcome, thank you,

Sean
offering 30 points

• ANSWER:
  For the rough price, just get an online insurance quote at http://www.auto-insurance-knowledge.com/auto-insurance-online-quote-canada.html

QUESTION:
What auto insurance buying process do you suggest?

• ANSWER:
  Try this site

  biinsurance.notlong.com

  here you can get quotes from different companies.

QUESTION:
Is it important that your auto insurance company has an office in your town?
It is the first time that I am buying auto insurance, and I am not sure which company to choose.
I am considering to buy Amica Mutual insurance. However, the problem is that, its closest office to me is 125 miles away. Is this gonna be an issue? Should I consider this when choosing my insurance company?

• ANSWER:
  No, strictly speaking it's not important... but it can be helpful, especially if you've never bought a policy before. I found it was much easier to talk to someone in person rather than over the phone when I was trying to decide how much coverage I needed. Plus it can sometimes be easier to get a hold of a local agent than a regional agent if you need to make an immediate change to you policy (i.e. you buy a new car or need to add a second driver).

  I personally like having my agent local... but you don't *need* one.

QUESTION:
Can you please give me tips and things 2 consider when buying auto insurance?
Well i got diff. quotes from diff. companies. I have a 2007 car. I filled the online auto quote and there is a lot of stuff to chose from.
Can you list the" MUST HAVE " things.

I'm a student so i'm looking at the cheapest i can get with more benefits.

This does not have anything with divorce...i Know that & thank you!! I figured that i would get lot of advice here. So pls chill!!!

• ANSWER:
  The must have is Uninsured Motorists coverage. If you need to get full coverage, take a 0.00 deductible. You might want emergency road service, its usually not very much to add on. That is the main thing you want, even if your just getting liability, you need the Uninsured Motorists!
  Try Geico, they are usually the best, and cheapest, and very dependable service. Hope you get the best you can.

QUESTION:
How do mexicans look for auto insurance in Mexico?
When you live in Mexico, do people use yellow pages, local independent agents, online websites..how do they go by buying auto insurance?
Also, what is their biggest problem when coming to the usa and looking for auto insurance, aside from the language barrier?Are the coverage similar, do they have a trust problem, etc..what would be the most helpful thing a US insurance company could do for them?
Thanks for your help.

• ANSWER:
  Auto insurances are a bit cheaper here in mexico... most banks and insurance companies offer auto insurances. Here in Mexico, most banks are in every state, so they have nationwide customers, and brochures can be found in every bank.

  Auto insurances are also advertised on TV, radio, online, yellow pages, but most of the time, people already know the names of the companies, and they would just ask for a quotation by telephone.

  It is not mandatory to have an insurance here, so a lot of people (mostly poor people who cant afford insurance) wont have one

  I drive a 2006 Toyota Rav4 and I pay around 1000USD/ year for my auto insurance with inbursa (www.inbursa.com.mx)

  As I did, most people will go to the bank and just buy the insurance there.

  When coming to the US there are a bunch of scenarios, mainly:
  1) if I were to drive all the way there, I would have no problem and I understand that my insurance has coverage.... but it is too far anyhow.
  2) when renting a car.. no problem, just get the insurance too.

  Language barrier,,, hmmmm, yes probably, but most people that can afford it would be able to understand what ur selling.
  Of course that there are people that doesnt speak english in need for an auto insurance.

QUESTION:
how soon do i need auto insurance after buying a vehicle (used)?
I am buying a truck for the summer, and i was just wondering if i need insurance to drive it back home, or whether i can just drive it home and then get insurance...sounds stupid

• ANSWER:

QUESTION:
Does anyone have a promotional code for buying AAA membership auto insurance?
The online application asks you to enter a promotional code if I have one -- I don't, but I'd sure like one.

• ANSWER:
  If you JOIN the American Automobile Association, you will get YOUR promotional code.

QUESTION:
Do I buy auto insurance before buying a used car??

• ANSWER:
  Here's the proper order for doing things:

  Step one: find two or three insurance companies you've heard good things about, and so are willing to consider for your insurance needs.

  Step two: find the car you want, or at least that you think you want at the moment, or at least identify a specific make and model you're interested in.

  Step three: call each insurance company on your list, get rates for insurance based on your identified make, model and theoretical purchase price as determined in step two. Make sure you're comparing apples to apples; ask for detailed breakdowns of the types and amounts of coverage, and the deductible.

  Step four: now that you've (hopefully) found a good insurance company that you can afford, find the car you really want and negotiate a price.

  Step five: call your new insurance company, let them know the specifics of the car you're about to buy, and get your new insurance policy. Odds are, since you haven't actually purchased the car yet, you'll need to coordinate between the seller, the insurance company and yourself so that coverage starts the moment you take ownership (no sooner and NO LATER.)

  Step six: when you've got your insurance coverage IN WRITING and you're the legal owner of the car, drive it home. Until you have both of these things, don't drive the car home (test drives before you are the legal owner, of course, are fine.)

  This process will be greatly simplified if your parents can put you and the new (used) car on their policy for a single month; it will be more expensive, but you won't have to coordinate the timing so closely.

QUESTION:
Can you buy auto insurance the very moment you buy a car? Do insurance companies work that quickly?
Can I call an insurance company the instant I buy a car and say, "Hey, I just bought a car. I want to get insurance for it."? I think companies should do this because if I take off from the dealership without insurance, and somebody hits me on the way home, I'm in trouble, right? I looked everywhere for this information, but I couldn't find it anywhere. Could somebody clarify this issue for me?

• ANSWER:
  If you buy a car and have a loan on it you are required to have insurance before leaving the car dealership.

  Most insurance companies have a way to buy on-line or over the phone.

  Call your local State Farm agent and they can help you. (www.statefarm.com)

  Good luck.

QUESTION:
After buying a used car, could I drive it right away without auto insurance?
After buying a used car, could I drive it right away without auto insurance? Do I have to have auto insurance in CA? Thank you!

• ANSWER:
  Yes you have to have liability insurance in all states to legally drive a car on the public roads. Depending on your state, it's possible to drive a car off the lot without insurance but it's not very smart. You could be liable for a very large amount of money in an accident. Also, if you get stopped by a cop, some states have some pretty hefty fines for driving without insurance.

QUESTION:
How come I am forced to buy auto insurance ?
Is this an insurance company scam, with auto, home owner, flood and now health insurance ?
No buses or anything here. That is in cities.

• ANSWER:
  you don't have to own a car..that is optional!

QUESTION:
Why dont LIEbrals understand that auto insurance is mandatory only if you are going to drive a car?
If you dont have a car, then you are not mandated by the STATE to buy auto insurance and not by the federal Government. So i should be allowed to chose Not to buy health insurance instead of being FORCED to by the federal government. So the health care bill is unconstitutional.

• ANSWER:
  Libs dont understand common sense and want the nanny state dictatorial government.

QUESTION:
Why do Libs bring up auto insurance as a forced payment that we are ok with paying?
Let me ask you Libs something, if I don't have a car, do I need to buy auto insurance? However, it seems that if I don't use medicare and aren't sick, you still want me to pay for it anyway whether I want to or not. Thanks a lot neo-totalitarians.

• ANSWER:
  I'm with ya brother. I don't want to buy health insurance. Being insured is a terrible burden on me. If I am in need of a surgery I'll just go to the emergency room. If I can't pay it I will have you pay for it instead. If they try to get the money from me then I guess I will just have to declare bankruptcy and once again make you pay for it. I hate authority so much that I do the opposite of whatever the authority thinks I should do. If this passes I hope they keep illegal immigrants off of it so they can continue to be free like me. God Bless America.

QUESTION:
How come my name isn't listed on the auto insurance card even though i AM insured?
My parents have bought auto insurance but whenever they send the insurance card (proof of insurance), only their names are on there. However, if you look up our policy number, I AM an insured driver. Why is that? How am I suppose to carry an insurance card? Is it because I'm under 18?

• ANSWER:
  There are different KINDS of insureds on a policy. The insurance card, lists the NAMED insureds - the people who BOUGHT the policy, pay for the policy, and get the claim check.

  Insured drivers are NOT listed on an insurance id card.

  You don't actually carry the card - you leave it in the car with you. And yes, you do show it in case of an accident. No biggie.

QUESTION:
Auto insurance - buying it?
I plan on buying a house in the next 3 months due to a divorce. Currently, my future ex and I are getting a discount with my current insurance company since 2 autos are with the same insurance company but the renewal date is due next week. Should I renew my 2007 Explorer Sportrac for a 6 month period only with the current insurance company or wait until I get my house so I can have both house and Explorer with the same company for some type of discount? I'm not sure if a 3-month period is available to me.

Any ideas would be appreciated. thanks.

• ANSWER:
  There is no 3 month period for auto insurance, so I would suggest that you keep your current insurance company for the new 6 months, and then once its renewing again next time, get a policy through the insurance company that you have your home with. This way, you will be able to use the auto/home discount for both your auto AND home, and still save some additional bucks.
  Now, your auto insurance premium will most likely still be more expensive than what you pay now, since you will lose the multicar discount you are getting for having more than 1 car insured, but its better than nothing.
  Congratulations on your home purchase by the way! Its great to hear about ppl actually buying homes these days vs ppl losing them.

QUESTION:
is it possible to purchase auto insurance for borrowed car without owner being responsible?
I may borrow a car, but would like to purchase my own auto insurance as not to bur-don the actual auto owner. Is it possible to buy auto insurance when the title is in someone elses name?

• ANSWER:
  extracrazy, There are tons of websites where you can get a free insurance quote. http://www.autoadviceonline.com/Auto-Insurance-Quote.html It only takes about 5 minutes to do.

QUESTION:
Do I need to buy auto insurance for my used car dealership?
We are just starting out and wonder if our personal car insurance would cover test drives, or our driving the vehicles. It is a sole proprietorship.
We do have a bond insurance and just acquired two vehicles (our first since we are new) and have not been driving them yet because we are looking into insurance.

• ANSWER:
  No, personal car insurance specifically doesn't cover that. It's EXCLUDED under every personal auto policy.

  Sounds to me like you're operating illegally - used car dealerships need to also be licensed and bonded, in every state I've ever worked. And you need that insurance to get the license.

QUESTION:
Auto Insurance when buying New Vehicle?
What is procedure on obtaining Auto Insurance when you buy a new vehicle and have no present insurance account setup?

Does dealer offer temporary insurance until you can get quotes from a few companies?

• ANSWER:
  If you know the vehicle you are going to be purchasing, go get some quotes online, or if you know who you will be insuring with - go purchase your insurance first. The car dealer WILL NOT release the vehicle to you until they have solid proof of insurance in their hands.

  I bought a new car last January - after turning in a company car, so thus I had no personal auto insurance first. I negotiated my price with the dealer, and set up a date to pick up my car. The morning before, I met with my insurance agent, paid for my premium and provided them the year, make, model of the vehicle (if possible, get them the VIN too), and I received an insurance card. Now if you don't know what type of vehicle you are going to purchase - pick a carrier/agent - have their number with you when you go to the dealer. Make sure they will be open to write you a policy when you purchase your vehicle, and while the dealer is getting their paperwork together, you call the insurance company and purchase your policy - it doesn't increase the time you'll spend at the dealer by too much longer.

  Good luck.

QUESTION:
Do native americans living on the res need auto insurance?
I was told if they live on the res, they don't need to buy auto insurance, I don't believe it.
Thank you all very much.

• ANSWER:
  true on many. there may be some that require it but most do not. some don't even require registration. however if you are going to drive off the rez thats another story.

QUESTION:
30 days to buy auto insurance when having bought second hand car?
i have just bought a second hand car privately, do i get 30 days period to buy auto insurance on it b4 i start 2 drive it on road? or iam not allowed at all? and i havent had any previous auto insurance
oh yes iam in southern california jurisdiction

• ANSWER:
  The grace period you are referring to is if you ALREADY have a valid insurance policy in place on another vehicle when you purchase a vehicle. Also, it is no longer 30 days on most auto policies, it is only 2 weeks for the same coverage & 4 days for additional coverage (meaning you other car has liabliity only & you need full coverage on the new car). Also, you need to add the car on the date of purchase to the policy to be covered, the grace period is just the length of time you have to TELL your insurer about it.
  Since you do not have insurance, there is NO grace period (where would the insurance come from in the meantime? think about it) and you have to buy a policy BEFORE you drive the car. If you are driving the car now, you have NO insurance & you are driving illegally.
  Call an insurance agent first thing in the morning & buy a policy.

QUESTION:
Is it legal for the state of Wisconsin to force me to buy auto insurance?
I have never been in an automobile accident in 10 years of driving, and I feel that I would rather just not have insurance. From the quotes I have gotten so far average about a month. I would like to know why I am not allowed as a responsible human being to make that choice. The whole "share the risk" aspect of insurance to me just seems communistic.

• ANSWER:
  Yeah, well, if you run into me on the road and it's your fault, you better have adequate insurance or plenty of assets for me to take, because you my friend, are responsible for the damage you cause.

  You don't like it, you don't have to drive.

QUESTION:
do you have to buy auto insurance before you buy a car?
i've never bought a car in the uk before and i'm not following the principle very well, i mean, you could arrange insurance first, and then the car you want have already been sold to someone else, at the same time, you don't want to be driving it off the forecourt with no cover. so is the best thing to sort it all out at the garage? will the dealer help me to do this?

• ANSWER:
  You normally put a deposit on the car so it wont be sold to anyone else. Then you arrange insurance to start on the day you collect the car and take the cover note to the garage with you to prove its insured - easy xxx

QUESTION:
what's the difference between lease and bought auto-insurance?
if i lease a car, will my insurance cost more or less than if i buy a car? what other major differences are there between the two? thank you ^.^

• ANSWER:

QUESTION:
Can An unlicensed person buy auto insurance for their car and have other drivers?
My husband owns a car but has no drivers license at this time. He wants to insure his car and have friends drive. Is this possible?

• ANSWER:
  Jan, Try getting an online insurance quote It's free and quick to do. http://www.simpleautoquotes.com/Auto-Insurance.html

  Good Luck.

QUESTION:
And then there is the forced buying of auto insurance. Who agrees with me on this issue?
More communism by our "democratic government."

• ANSWER:
  We need another reason to hate illegal immigrants. It's the american way.

QUESTION:
Does the new Health Care law mean we have to buy insurance like auto insurance?
If yes, what happens to people who can't afford to purchase insurance? Will they check somehow, like when you get your driver's license or fill out tax forms or what? If people don't have insurance because they can't afford it, will they figure out a way to fine you like they would if you didn't carry auto insurance?

Thanks in advance for your help.

• ANSWER:
  If tou can afford, you should buy medical insurance. The health care plan is to protect your insurance: note in many cases insurance can cancel your insurance if you got serious illness such as cancer. In such situation, the government would accept your insurance. This placed your insurance with those who cannot afford any insurance.

QUESTION:
Could I buy an auto insurance without a car?
Could I buy an auto insurance without a car? I have no car yet and I plan to buy a used car from owner. So I would like to rent a car for a week to find a used car. Before I buy my used car, could I buy the auto insurance first? Thanks!

• ANSWER:
  you can get a insurance policy from some insurance companies. it is a non owner insurance policy. it should cover you in any vehicle that is borrowed or rented. the insurance company we have told us we could do this but it cost more than having a car on the policy. you should call an insurance company and ask them about it.

QUESTION:
what auto insurance buying process do you suggest?

• ANSWER:
  Search around and buy from the cheapest.

QUESTION:
Do you have to buy auto insurance as a condition of OWNING a car? or DRIVING a car?
If you own an RV and you live in it but you don't drive it.....does the auto insurance mandate apply to you?

• ANSWER:
  Depends on the state. In California, it is a condition of OWNING the car, but you exempt if you change your registration to non-operational with the DMV.

QUESTION:
Bought auto insurance the same day accident happened?
I bought FULL auto insurance coverage at 6pm April 25 and then next day when I was walking towards my car I discovered that huge tree fell on it. Will my insurance cover it despite the fact that it happened the same day? (I think tree fell same night about 10.30pm b/c that's when storm passed us by)

Or will they try to deny coverage and cancel my policy? It states in "fine print" of the policy is that they can cancel policy for any reason within 60 days of purchase

• ANSWER:
  if they cover a tree falling on the car and not the accident as an act of god they should cover it. From the day you get insurance you are covered.
  That doesnt mean they wont cancel your policy after they pay out though.

QUESTION:
what happens after 6 months when you buy auto insurance? do you have to buy another policy agian ?
what happens if i buy auto insurance for 6 months do i have to pay agian after that ends ? its my first time gettin insurance

• ANSWER:
  yes, you have to pay again..no, you do not have to get another policy unless you are unhappy with the company you are with..your policy will automatically be renewed if you have not had a lot of claims...

QUESTION:
I bought auto insurance from another company, do I have to call the old company and tell them?
I got tired of State Farm and switched over to Esurance. I have already paid for a 6 month policy, which started the same day my State farm policy ended. Do I have to call State farm and tell them anything, or will they automatically close my account?

• ANSWER:
  No, you do not have to inform State Farm. As you stated you started the Esurance policy on the day your State Farm policy expired. Unless you are on EFT for premium to SF then your SF policy will simply non-renew. Not a mark on your record. Esurance will notify state of your new coverage if that is required.
  Just make sure you have adequate coverage, not just state minimums, no med pay, and no underinsured motorist coverage.

QUESTION:
Should we force peolpe that don't drive to buy auto insurance?
Comparing Mandatory Auto Insurance and Mandatory Heath Care Insurance isn't a balanced argument as you have the right to not drive a vehicle.

• ANSWER:
  Watch it, some cranium challenged people will say auto insurance is required. They don't stop long enough to think if the requirement includes people who don't own a car or don't drive, or own a care that is registered as "not used". Watch the comments. lol.

  Besides, auto insurance is a states issue not a fed mandate. Even LTR is monitored and enforced by the state's police through truck stops and weight stations.

QUESTION:
why do people say they are forced to buy auto insurance?
they don't have to. they can drive without it have an accident and loose every thing they might own and still loose their vehicles.

• ANSWER:
  Three things about auto insurance:

  1. It is the federal gov't that is bound by the limitation of powers specified in the Constitution. Mandatory auto insurance laws are state laws, dependent on state constitutions.

  2. My state anyway does not actually require auto insurance. It requires that I am able to be financially responsible. So if I have the resources to make good on damage I've caused, no problemo.

  3. Mandatory auto insurance of course assumes that A). you own a vehicle, and B) you are driving on a public roadway. Unlike the new health care bill, I am not required to buy auto insurance merely because I have a pulse.

QUESTION:
Do you think it's wrong for the government to force you to buy auto insurance?
Knowing that if you're hit by an uninsured motorist and get your car totalled the motorist will declare bankruptcy and you won't get a dime. Before you say anything, uninsured motorist coverage only applies to bodily injury.

• ANSWER:
  Yes, I do... it's legalized racketeering.

  I feel the same about health insurance or any other program that mandates the use of a government or privately funded agency.

  Although most would say it's 'ok', there's a reason why Safe Auto runs those ads. People unwilling to pay for it continuously get it and drop it a month later...While I am not one of those people, nor do I advocate it, I acknowledge that that problem exists.

  Automobiles are a luxury. If you don't believe me, check out the tax when next you buy one.

QUESTION:
Can I get Auto Insurance if I let it lapse?
I bought auto insurance laste year with bad credit and Titan called me in a month and said that they were canceling my policy...I have not had auto insurance since. I have never filed a cliam but have bad credit and bankruptcy..Is there a company that would insure me? If it is the law to have auto insurance then I should be able to get it...right?

• ANSWER:
  Sure--there are dozens of companies that will write you, but you'll have to pay more this time around because you've been uninsured for so long. Try the Yellow Pages or the websites like The General or SafeAuto.

QUESTION:
How to save on auto insurance?
I want to save on auto insurance? If any one can refer me website for accurate quotations then it will be good.

• ANSWER:
  This question gets asked many times each day, everyone of us is different! Just get onto an insurance site, enter your info and the car (it is enough to enter the year, make and model), see what pricing you get.. You can opt out just for minimum liability coverage, no collision or comprehensive, that is if you are willing to forgo the money you invested in the car if you total it and don't care if you are sued in case of serious accident.

QUESTION:
how do I save on auto insurance?
I want to save on auto insurance.....what factors can lower your rate? I need to know things such as an alarm, and kept in the garage, but what other factors can help me getting a low rate?

Thanks everyone

• ANSWER:
  You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.

  Go to: http://www.insureme.com/landing.aspx?Refby=616165&Type=auto

  Take care,
  Casey

QUESTION:
How to Save On auto insurance quote online?

• ANSWER:
  You just search around a lot!

QUESTION:
How to save money on online auto insurance with a hybrid car?

• ANSWER:
  Same way as you save money on normal cars, plane tickets, plasma tvs etc

QUESTION:
How much do you save on your auto and homeowner's insurance this year?
I am looking for a way that can save me even more on my auto and homeowner's insurance. Can anybody share me their best way to save on their auot and homeowner's insuarnace?

• ANSWER:
  I save 0.00 this year on my auto and home oner's insurance thanks to my friend. All I did is I call 1-877-855-8111 using the PIN#: KXMC9 and Rep Last Name: DU. Within 10 minutes, I got quotes from nine difference inurance companies and I pick the best price quote which happen to be The Hartford. I cancel my policy from AAA and pick Hartford and I save 0.00. I am very happy about the service and the money I save.

QUESTION:
how to save money on online auto insurance?

• ANSWER:
  Buy your own car for cash then get minimum.

QUESTION:
Pa. auto Insurance 100 mile from home college student discount law.?
I live in the state of Pennsylvania. My question is does anyone know if Pa. auto insurance laws don't allow insurance companies to give you a discount on your rates if you have a college student attending school at least 100 miles from home. I recently saw this on the Motley Fool site about how to save money on your auto insurance rates. When I contacted my agent she said Pa. doesn't allow such a discount. Thanks

• ANSWER:
  It's not a law. Insurance companies can, if they want, give an "away at college" discount, IF the student is more than 100 miles from home, WITHOUT A CAR.

  I've HAD a PA license for a long time. Either your agent doesn't know what she's talking about, OR, she only represents one company that does NOT give an away at school discount.

  Most companies in PA do this. BUT. If you have a car with you, you're not entitled.

QUESTION:
Third Person is wondering how many people save money with Geiko?
I need to save money on my auto insurance. Third Peson appreciates your answers.

• ANSWER:
  Thinking Is Winning does not have Geiko.

QUESTION:
How is Geico Auto Insurance?
So we all like to save as much money on auto insurance as possible. I'm debating switching to Geico cus it'll save me about 0-240 a year (i'm starting to sound like a commercial). Anyway this is a question for people who currently have or had Geico Auto Insurance. I hear internet auto insurance companies tend to be bad when it comes time to file claims etc. I haven't had an accident (knock on wood) but if it happens, I'd like to know i wouldn't have a huge run around dealing with Geico..any good or bad experiences with them?
~Gavin

• ANSWER:
  I've had great experience with them all the way around, and I've been with them for over 6 years. Best customer service around, I'd definitely recommend them! (I only had one claim and it was handled timely and very satisfactory)

QUESTION:
How much do you pay for Auto Insurance A Month?
what do you pay a month on your auto insurance. and do you think it's to much or do you save money?

• ANSWER:
  5.

  Vehicles:
  1988 Toyota Supra Turbo
  1989 Toyota Supra
  1993 Honda Prelude.

  Full coverage on all. Yes, it's 5 for all three vehicles.

  I think it's plenty cheap.

QUESTION:
How much does the "Gecko" tacked on to your auto insurance to pay for their commercials?
I had a thought the other day when a barrage of “the gecko” commercials kept coming on TV. How can “the gecko” save you money when he’s paying for all those commercials? Then a portion of your insurance premiums must be paying for the commercials. So how can they save you any cash when they’re tacking on extra fees to pay for all that advertising? I think they get you in the door with low rate and keep raising it over the years until your paying way more than you should be.

• ANSWER:
  Seeing that cute little guy on tv makes it all worth it.

QUESTION:
Car totaled Auto insurance wont pay full amount with salvage title?
This is crazy my car was hit head on, our airbags saved our lives, now the auto insurance of the other party wont pay full amount on 2006 vibe , because there is a salvage title on my car. My car has that title not from a accident because it was a stolen car that we bought at auction .
The Insurance company put's the salvage title on anything. Now what are we going to do sue them, How do you fight this crazy salvage rule its not our problem its their rule . It was also the other persons fault and it ruin our vacation with body pains it was all messed up.

• ANSWER:
  OK, let's define "full amount". A car that's NEVER been totalled, is worth about twice what a car with a salvage title is worth. Many states, you CAN "clean" that salvage title, in cases of theft, or total rebuilds. The insurance company put a salvage title on it, because it was a total loss. An insurance company has ALREADY paid out the full value of this car. What's more, obviously, that car was eventually FOUND, and was probably found . . .totalled. So it's probably been rebuilt, even if it WAS a theft claim and not a collision claim (if you total a car while you're stealing it, that's theft - not collision).

  So, now that you have a car with a salvage title, that you didn't try to 'clean', the actual cash value of it is about HALF what a non-salvage auto is.

  There's nothing to fight. Maybe you paid more for the car, than it's actually worth, because YOU didn't know that a salvage title means the car is worth about half. But what you paid for it, doesn't affect it's actual cash value.

  If you don't want to take their offer, you can always decline it and put it through your insurance, or you can sue them in court - but you STILL won't get more than the car's worth.

QUESTION:
What does it mean to "be on your parnets auto insurance policy?"?
Is it legal? How much can you save? The title of the car is in my name, should it be in their name?

• ANSWER:
  if the title was in their name and you listed as a partial driver the insurance would be a lot cheaper,and yes its very legal to do this,sometime its the only way younger people can afford to drive a car,insurance is high on younger drivers now days,but if they agree to do this it would be a good idea,it would save you a whole lot of money,good luck.

QUESTION:
Hafe you ever had Hartford auto and home insurance and did they pay out claims and treat you right?
I have been approached by Hartford AARP auto and home and they can save me almost 0 per year on this insurance. I am looking for comments on this insurance as to how they treated you.

• ANSWER:
  AARP recommended products are top flight companies. Hartford is one of the most respected of all insurance companies.

QUESTION:
How do I notify my auto insurance company that I'm cancelling my policy?
I just switched from Progressive to Geico (and saved almost 00 per year!) How and when do I notify Progressive that I'm cancelling my policy with them? (My coverage with Progressive ends March 4th, and my coverage with Geico starts on March 3rd). I've heard that I must notify Progressive in writing; does Geico provide some sort of form or document to give the old company or do I have to actually type out a letter to Progressive?
To "bundysmom": if you don't have an actual answer to the question, please don't respond. The whole point of Yahoo! Answers is for people to be able to ask questions such as mine...if you don't like the question, keep it movin'....please don't waste your time or mine.

• ANSWER:
  Call Progressive, inform them that you are switching insurance carriers, and they will probably ask you to send a copy (possibly by fax) to them. If you don't they will contact the state DMV and say you don't have insurance, which will then cause you to lose registration on your vehicle.

QUESTION:
What is the word for a group of people who put down another group no matter what?
In my country the USA we have a women who is very intelligent & has accomplished more than most ever will yet the republican party calls her stupid. The republican party listens to this programs that use brainwashing & the word teleprompter is a trigger word used everyday.
The rich greedy CEOs pay to have this people brainwashed. The lower class republicans don't even know they are the lower class. We had Joe the Plumber represent them. He was worried about millionaires while he is a dead beat Dad on gov. assistance & not at all a plumber. How can I tell this group of people they are being used by the people in their party that don't care about them. Meanwhile, they should be doing things to make their life better but they are not at all, Just complaining about the President not having a birth certificate while the President had to have a birth certificate to get as far as he has & I tell tthem since they are so capable they should do something instead of compliaining....so I need help so I don't have to explain all of this all time but I wish I could show them how they are being used by capitalist who don't want to compete with the government. They thing the democrats want socialism which is not true but some competition would be good to save on auto insurance & medical cost for example but I don't know a short way to say this, thank you!

• ANSWER:
  Misunderstanding. The unwillingness to live and let live.
  No one is right or wrong here. God is right overall! We are His Creation.
  He is the only one who matters. It is all about God, not us.
  Until we all come to this conclusion, there will always be misunderstandings, misconceptions and competition for power.

QUESTION:
Auto insurance is it hard to find cheaply?
I have called a few places, and they keep me on the phone for like 20 minutes asking the same old questions, and all I really want to know is a rough price to see how long i have to save up. And they are all way more than i though this was going to be. and now if i decide to buy a different type of car I have to call them all back again and again?

• ANSWER:
  Drive safe to keep the lowest rates or it goes up quick.

QUESTION:
Drivers licence, auto insurance in california.?
I have my drivers permit, and I want my drivers license. I don't have a car so if I get my drivers license are they going to make me pay for auto insurance? Because I don't plan on driving a car, I don't have a car yet so how can they make me pay for auto insurance if I don't have a car? I just want a license so that I can save up for a car and just have a license before I buy a car. So I have until August 2010 to pass my drivers test and this insurance thing is really holding me back because I don't have money to pay for car insurance. So can they really make me pay for car insurance in California when I don't have a car to drive?

• ANSWER:
  If you donot own car then no compulsion of auto insurance.

  You can purchase a non-owner car insurance policy to protect against losses if there is an accident when you travel in a car that you do not own. The non-owner policy usually provides you with liability, medical expenses and uninsured or underinsured motorist coverage up to your policy limits. However non-owners policy does not cover collision, comprehensive, towing and rental reimbursement coverage.

QUESTION:
How would I go about switching auto insurance companies?
I just found out that I'm WAY over paying for auto insurance. I went online and did some quotes, and even called a couple places and most would save me over 0 a year. Now, I just made a payment today. Do I still owe on my policy and have to wait for the re-newel in May? I know that I can't cancel anything because I'll have a lapse in coverage, and we don't want that. It seems easy, but all I want to know is if I would still owe THEN can move on or if they would just let me go. Should I also haggle with my current company and see if they'll match what I've found?

Thanks!

• ANSWER:
  Just make sure the new policy starts at the same time coverage ends on your old policy. That way there is no lapse in coverage. Check if your old insurance company charges a fee to cancel they usually do. Also understand that cheaper is not always better I was with Gieco for awhile and was dropped because my son had a small accident less than 0 damages cheaper isn't better if you have to get new insurance company every time you have to use them.

QUESTION:
What to expect? Court tommorrow for not having auto insurance?
My fiance is going to court tommorrow at 10:30am, and I just wondering what to expect. We live in Lincoln, NE and a couple weeks ago he was pulled over on his way to work. The cop claimed he was going 50mph, but heres where it gets weird..

First, he was going over train tracks when the cop supposedly clocked him going that speed (would YOU go over train tracks at 50mph? yea right..) second, how did the cop get an accurate read when he was driving towards my fiance when he clocked him. He wasn't behind him, or off to the side, they were driving towards eachother. Lastly, the cop didn't show my fiance any proof of his speed being 50. None at all.

However, its true we don't have insurance on his car. He was still on his mothers insurance when it was cancelled (she couldn't pay it anymore) and instead of asking us to pay the bill for once (she's always really nice and takes care of certain bills even tho she doesn't have too) she just let them terminate our insurance. We were in the process of saving up for a new car as well, so we decided we'd just wait a week or 2 and cover our new car with our own insurance.

So, I guess the details don't matter.. but I wanted to explain a bit.

My question is.. does anyone know what kind of penalty's there are for not having car insurance? They won't throw him in jail would they?

• ANSWER:
  You'll have a fine but no jail time. I don't know about NE but here in TX, a no insurance ticket is a BIG no-no. The tickets usually run in excess of 0 for a first offense and up to 00 for a second. Then, our state motor vehicle dept. puts a surcharge of 0 per year for 3 yrs. (0) on your license. That's in addition to the ticket. They also impound your car. Once a cop sees you have no insurance here, you are walking home, calling a cab, calling a friend, ect. They will impound your car and then you have to pay the impound fee within 10 days or they auction your car off.

  Yeah, Texas can really suck sometimes.

QUESTION:
Auto insurance question- got a speeding ticket but got off with driving school?
I just recently got new insurance, I didn't know whether or not I should put my speeding ticket on the quote since it was my first one and the cop just told me to just come to court and that they would give me driving school. So I decided to put it on the quote because I don't wanna get pinned for insurance fraud or something, I'm new to this whole insurance thing (just got off my parents) so I played it safe. Now that I have been to court and gotten driving school should I call up the insurance company and let them know what happened? Would it lower my rates if I did that? Or does it even matter? If I can save a few bucks I'll do it, but I don't want to waste my time and theirs.

tl;dr----- got a speeding ticket, put it on my insurance quote- got off with driving school- how should I proceed?

Does it really even matter since I received the ticket before I was on this current insurance?

• ANSWER:
  why did you bail out on parents insurance/that could still be the cheapest/i would have stayed on as long as possible/just list the ticket on the app/they will find out/it never goes away from record/no points is what the school did for you and thats a plus

QUESTION:
How much auto insurance should I carry?
Is it true that depending on your net worth, you should get more or less auto insurance? I'm a college student so I only work part-time and only have a modest amount saved up. The value of my car is about 00. Right now I have 50000/100000 for injury, 50000 property damage, and 50000/100000 for uninsured or under-insured motorists. I have no comprehensive or collision coverage. I can not afford those. But liability wise, am I good or would it be OK to buy less or should I buy more auto insurance? I am not on my mother's insurance policy because with her being in another state, and the car being garaged with me, it's not worth it and I'm not sure if it's possible
By the way, I just saved 15% or more (actually about 40%) by switching my car insurance to geico. I already saved money that way, but I'm wondering if I should trim my coverage also.

• ANSWER:
  Consider this: a well equipped GMC pickup truck costs over ,000. If you crash into the rear of one and HE crashes into the rear of a Lexus do you think K will cover that?
  I always suggest a minimum limit of 100,000/500,000/100,000 on liability. Honestly, it really doesn't cost that much more than what you're paying now and in the event of a disaster you won't be making 0 a month payments to the court for the next ten years.

QUESTION:
A question about compulsory auto insurance?
When I insured my car last month, I told the agent that I want basic insurance, and I thought that was what I purchased. I never any information about my policy, all they sent me was the monthly bill.

So today I went to the agent and notified them of this, and they gave me a Coverage Selections Page paper, and I noticed that on part 4 of the compulsory insurance they set my limit to ,000 while the minimum is only 00 here in Massachusetts. Apparently the premium for having the ,000 limit is 3.

Since the car is no longer operational due to an accident last Sunday and I want to keep my insurance for four months until I can replace the car, I was wondering how much I would save if I lowered the limit to the state minimum of ,000?

• ANSWER:
  You need to talk to your insurance agent.

QUESTION:
Where can I get inexpensive auto insurance?
I am 19 with a clean driving record, I live in GA and my insurance on my 83 pickup is really too expensive. (3 a month) its the best I could find, most quotes I get are 0 and up, and that is liability only by the way. I'm curious if there is a company that lets me pay on account of an accident, instead of a monthly payment where in they make a bet on how likely I will be to have an accident, my truck is worth no more than 00 and I have payed almost that much in insurance in the last year. I just need a break, I don't make but 0 a month, between rent and food I am draining my savings, please if you know of a way I could save at least per month it would help allot.

• ANSWER:

QUESTION:
Is there any wrong doing by my auto insurance company?
Had a wreck on a monday, wasnt my fault and other driver we "think" was uninsured. thankfully i had full coverage. my car was undrivable so it was towed away. the following day i had to call my insurunce company to give the information. after waiting 2 day they finaly called and told me that my policy covered a day on rental and they will make the arrangements that day. after looking over my policy i seen that it covered not so i had to call back for them to make the changes. then on friday, 5 days later they called to get my statement about the wreck and afterwards told me that it wouldnt be till next week till they got someone out there to asess my car, and if there was anything i need out of it i should go get it, i asked him about my plates and he said that since more then likely their going to total the car and the plates would be useless. he again stated that he would know something by next wendsday and would call me no matter what by thursday. as patient as i am i said ok. so next week arrives, its a tuesday and since i have to pay for the gas in the rental car it took me a few days to save up the money to make it to the junkyard since it was out of town. when i get there i was informed that someone had already came and took pictures of it and hauled it away. i was like wtf ? on top of that, one of the whole reasons why i had to the junk yard was to sign a release for my car to be taken away. so i wait till thursday and no call from them like they said. so i gave them till the end of the day and then called and after being put on hold for 5 minutes i was told i would be called back. neeever happened.... so i gave them benifit of the doubt and wait till the end of the day friday, almost 2 whole weeks since my wreck. after being put on hold again for 5 minutes i was told that if i didnt hear from them in 45 minutes then to call back, so 45 minutes later i called back and the guy had left.. so i asked to talk to someone else, i was put on hold and then someone came on and gave me the guys cell #. so i had to call this guy on his cell and was informed that they still havnt had anyone go look at my car and being that next week is thanksgiving they will be busy and not sure when and if they will know somethign next week. oh, and also that my car is about 45 miles away in one of their yards so they didnt get charged storage fees and if i needed the stuff out of my car i would have to go get it. yeah, like i can afford the gas for that. and if needed they may be able to send it back to me for a fee.

so with all that being said, i would like to know if there is any wrong doing here ? i have delt with insurance before but never took this long and never felt like i was being avoided. on top of all this, i still dont know whats going to happen to my car nor if they ever got ahold of the other person to find out if they were insured or not. being that xmas is coming up and i need to know how i need to know if i am going to have to put extra money aside i cant wait this long. but again, i just need to know from insurance professionals if this is normal and if there is any wrong doing. pls dont reply explaing how uninsured motorist work.

• ANSWER:
  Honestly, although the service is awful, and I for one feel for you, in many
  states, insurance companies have 30 days, legally, to even acknowledge receipt of a claim!
  The laws involved haven't really kept up with technology.
  Many companies are much better at this than what you are describing, but some are even worse.
  Usually, verbal permission to move the vehicle is enough to be able to do so.
  Nothing legally wrong here, but again, I really sympathize that you are getting such appallingly poor service!
  When renewal time comes, I would vote with my dollar and do some shopping around!
  Good luck to you.

QUESTION:
Would it be silly to get married by a JP before our wedding date?
I know that on the surface this sounds silly... but my fiance was just saying how much simpler things would be if we just got legally married now. (JP, civil ceremony)

The reason being that we already have a house and a son together. Once we are married, we can save money on health, dental, life and auto insurance. It would save us a bundle.

I also moved to a new state to be with him and my old driver's license expires in July (one month before my name would change). I'd love to save the money on the insurance issues. (The savings is substantial because of the different ways our employers have the plans set up). And I'd hate to have my current name on my license for another 4 years (yes, I know about the additional update card, but it's not the same.)

These aren't reasons to get married in the first place, but we both wish we could have set an earlier date. (Our choices were limited to the dates the church was available).

Any similar situations out there?
Some good points for and against it...

He wants the Catholic Ceremony. That is important to him. So if we did do a JP thing first, he'd still want the ceremony. It was just something we thought about looking into...

• ANSWER:
  Ok You 2 have been paying seperate health, dental, life, auto etc, for this long then why take the special day and it's meaning and throw it away with a JP ceremony? You are really only talking about 3 or 4 months of the seperate premiums anyway? (your actual ceremony will cost more than that!)

  As for your driver's liscense (keep in mind 40 bucks tops at the max)

  Bottom line if you really were that concerned about money then you would have gone to the JP a long time ago. Since you are getting married during the middle of the year All of the auto and home owners insurance should be able to be prorated and credited back to your account for the difference.

  Be honest with yourself if you have always dreamed of a church wedding then a JP wedding will never be the same. You might have the ceremony like you planned but, in your heart you will know that it is not really the day you got married.

  Are you really willing to give up your dream wedding and all that it means to save a few hundred dollars?

QUESTION:
I was pulled over on a NM highway. Will it effect my auto insurance and license points?
I heard that on a highway that a speeding ticket doesn't affect these two things. I was going 100 in a 75, because I had juse gone down a big hill. I had let go of the pedal to save gas and roll down the hill, and then put my foot back on the gas without looking at how high the speedometer was. Any suggestions of how to get this deffered?
And wil it affect my insurance and license if I dont?
I felt like I was going with the flow of traffic and it is the first ticket on my record

• ANSWER:
  Yes, it will affect your insurance and points. That's 25 over. That could bring 8 points and a suspended license. I'd suggest you hire an attorney to represent you on this one, it could go up to reckless driving.

  No one will believe the flow of traffic was at 100 mph.

QUESTION:
How much should I spend on rent with this monthly budget?
How much should I be spending on rent/utilities with this budget? (in order to have some left over for saving/misc. expenses)

00 (income)

-130 auto insurance
-200 groceries
-40 phone
-100 gas
-20 gym membership

(car is paid off)

• ANSWER:
  Rule of Thumb: you can afford to spend 1/4 of monthly income on housing, not more than 1/3 with utilities thrown in (cable, phone, heat, electric, etc.)

QUESTION:
Should the rich get taxed more or less?
This is how I see it:

A millionaire who is not taxed an extra 5% (k) can spend his hard earned money on expanding his business if he is a business owner (helping unemployment in his industry), an addition on his house (spurring the construction industry, home insurance industry, utility industry), a new car (spurring the auto industry, auto parts industry, auto insurance industry), or save it to protect his family just in case of an economic melt down or traumatic event (breadwinner's unexpected death). That same money may or may not be spent as wisely by the government (Reinvestment In America Act has spent million in "Reinvestment in America Act" signs). But I'll trust that the millionaire knows more about spending, investing, and saving his money than the government and will be more responsible doing so.

I believe that people who want the rich to be taxed more view the rich as being hoarders, who either keep all of their money, or spend it superfluously, without delving deeper and imagining that the savings is a form of protection and the spending is a form of reinvesting.
I am a millionaire, my business partners are millionaires, other than my Audi none of us have invested anything overseas, why would we when we could open up another store down the street?

The average millionaire has a 3 bedroom 3 bath house with 2 kids, 2 modest cars a well paying upper management job or a medium size business, not a conniving business man with offshore bank accounts and a team of accountants looking for tax loopholes.
And the Clinton expansion was on the backs of the .com bubble, it wouldn't matter what the taxes were like, growth was inevitable.

• ANSWER:
  This is an age old debate. First off taxes must be collected if we want services such wealfare, police, military, a goverment, school ect... The more services people want the more taxes will have to be collected. The problem with collecting to much taxes from the lower class is that the lower class only make up a very small % of the nations wealth. According to an economic study by economist Edward N. Wolff at New York University (2010), the top 1% of americans own 42.7% of americas financial wealth and the bottom 20% own less than 8%. Almost all of americas disposable income belongs to small minority of the wealthy putting them in the best position to pay more in taxes. Also increasing taxes does not hurt the wealthies ability to invest as much as the press would like us think. If you own a business and hire 10 workers, that is a business expense and it is a tax right off. If you raise taxes that should not stop a worker from those 10 workers because either way those taxes can be written off like any other business expense. Where taxes may hurt however are those investing in stocks if there was an increase in capitol gains tax. I personally do a lot of stock trading and although I would oppose an increase in capitol gains tax like most other investers. It would not be because it would stop me from investing which would hurt the ecomomy, although that is what I and most others would claim. It is because it would lower my profits. No investor wants that which is why we would all be against such an increase. Just like no one who is making a lot of money would like there profits to go down because of higher taxes.

  I personally would love going to a flatter tax system. I however think people WAY over simplify the problem. Has any one considered
  1. Unless business owners can write-off the flat tax it will not encourage investment. If they can write-off business expenses we are back were we started from.
  2. The lower classes would still need additional write-offs unless you want more people living on the streat because the cant afford rent.
  3. The impact to the average person if a someone tried to simply switch to a flat tax. For a single person this may be awsome. What about a family who needs the tax write-offs to help cover medical expenses, children care and other services? Peoples life styles are already based on the current tax system, making any drastic changes to the system could have a very profound imact. You are essentially completely changing the averge persons lifestyle by adjusting how much money they will be bringing home each pay check.

  My 2 cents.

QUESTION:
California Car Insurance Discounts?
I spoke with my progressive car insurance rep about potential discounts I could be entitled to since I'm only 19 and have only had my license for about a year now. My driving record is clean of any blemishes but I was dismayed to see my premium rise 10% on renewal. My insurance rep informed that because I live in California, I do not qualify for many discounts. This would include a good student discount, upfront premium payoff discount, and others. He also informed me that my premium rose due to an increase in California auto insurance rates. So my question is, are there really state regulations against these kind of discounts in Cali or is this just how my insurance company rolls?

BTW, I just saved 0 on my car insurance!
Thanks guys. I'm not too concerned at the moment about finding the cheapest insurance or whether my premium is reasonable. I'd prefer to stick with progressive since they offer pretty good service. I was just curious to which discounts should be available to to me and what determines their availability.

• ANSWER:
  Not all auto insurance in CA raised their rates. Progressive must have through. The Department of Insurance approves a rate increase. But each company is different. Not all companies raised their rates.

  Based on what you said the only discount you would not get is the California Good Driver Discount (CGDD) because you have to be licensed 3 years to get that discount. You should still be able to get Good Student discount if your still a full time student with a B average or better.

  There is no way to know if your getting a decent premium since you don't say what kind of car you have and the coverage that you have. But call the agent back and ask about mulit-car discount or multi-line discount. Saving money is not the only thing in life. You also need to look at the customer service and how they pay their claims. You want them there when you need them.

QUESTION:
How is a Honda Civic safer than a truck?
Out of curiosity, how is it I would be able to save $xxx on my auto insurance by driving a Honda Civic rather than my 2003 Dodge Dakota R/T? This is a generic safety calculation given on quotes and it seems so logically flawed that I'm tempted to call my current insurance company and get them to acknowledge exactly how vague "safety" is used. I have 4-wheel disc with ABS alongside an aftermarket suspension system, so the handling is pristine. Crashes in these two vehicles are likely incomparable due to the rugged nature of a pickup. So, am I the only one being stubborn here? I'm 18, so I understand huge a huge insurance cost as-is, but how is this justified?

• ANSWER:
  they also calculate the number of wrecks and the cost to repair the damage on each vehicle.also number vehicles stolen and vandalized.

  I would imagine it would cost more to repair a Dodge Dakota than a Honda Civic?

  your after market suspension may indeed make it handle 100% better but in the eyes of an insurance co you have altered the stock vehicle, they may even consider it unsafe.
  you can't use logic or common sense you have to think in terms of cost effectiveness and loss management.

  these days if your read your policy closely they probably have it in the small print that they can use replacement parts not stock or new parts to repair your vehicle.
  not original manufactured parts

QUESTION:
Where to go for insurance?
With so many choices these days and so many incentives that all companies seems to offer, how would you know where to go for a good deal on a quality insurance coverage ? Can you recommend anyone to save me time and money on my auto and home insurance combined deal( like a bundle)?

• ANSWER:
  Look up an Independent Agent in your area, go to www.Trustedchoice.com and search your area. Any of the agents popping up will be local, professional agents who can give you the proper product and service. When you buy home/auto together you'll get a combo discount.

  good luck

QUESTION:
USAA offering discount on insurance based on what services you currently have...?
I currently have a checking account and an auto insurance policy with USAA. They offer a discount on insurance based on what and how many products and services you have with them, therefore, I am thinking about opening a credit card with them (I do not plan on using it).

I currently have an AMEX with a ,000 limit and currently have a balance of 00

I also have a Capital One Visa with a 0 limit and have a balance of 0.

My credit score is 705.

I already have 2 other checking accounts (Wachovia & ING) and another higher interest savings with ING, so I don't want any more banking services...and I don't plan on making any major purchases for another year or so (buying a house).

Will it bring my score down considering the new inquiry and new card? Is it worth it to open a card and save a couple bucks on car insurance, or should I just leave it be?

• ANSWER:
  I don't think it will. Your credit score is based on just that, credit, now how many cards you have (by the way, nice credit score.) You won't have much problem taking out loans if you need to. lol You may have to check the minimum (if there is one) to make sure you really want that card. Some you have to pay the minimum just to have it, regardless if you use it or not. I would suggest leaving it be. Not to say another card may affect you in the future, but you may not want another "debt" hanging over you. There's a reason they give discounts to "loyal" customers, to get them to do exactly what you are thinking about doing. Good luck.

  Oh, by the way, you may want to check out Amtrust Direct. They offer a little higher interest than ING. Theirs is 3.25%. I wish the feds would stop cutting interest rates. That really hurts savings vehicles.

QUESTION:
how much will insurance be for a 19yr old with a 93 toyota tercel in NYC?
Im 19yrs old and i have my own job, im very responisble and independent. Im saving up for a 93 toyota tercel or honda civic, which will be in the 2000-3000 dollar range. The only problem is finding insurance that I can pay on my own. Unfortunately my mother will not put me on her insurance,so im looking for inexpensive auto insurers in which I can afford about 200-250 a month. Im not looking for full coverage,just whats whatever's needed in the state of new york. Im a very responsible young man and not at all into being reckless or showing off to people. I just want a chance to have my first safe and reliable car. Thank you

• ANSWER:
  I don't know, but it will be high considering you are 19 & in NYC. Also, insurance companies do not care if you say you're responsible because you are still in the high risk age range.

QUESTION:
Need advise on ideas to keep my credit good during a strike or layoff?
My bills still exsist, credit card, auto insurance, car payments , and 2 or 3 loans . All of which is through my credit union. I know talking to credit union is the key , but any other advice from people whom have experienced this type of situation would be appreciated. How can I save face my income is very limited but hopefully no longer than a six month period. Thanks

• ANSWER:
  Rob banks to pay the bills.

QUESTION:
Can anyone translate this script? (English to Spanish)?
I work as a telemarketer and sometimes I call people in my area that speak Spanish. Can anyone translate this script I am supposed to read? I know it's long, so if you only want to do part any help you can give is appreciated. I do speak some Spanish, but I want to ask someone who has a better grip on the language to translate it for me so that I know it makes sense.

Okay, here's the script:

Hi, may I speak with (-----)? Hi, this is (-----) and I'm calling because we here at Farm Bureau Insurance are saving families like yours an average of 8 per year on their auto and home insurance premiums, and I would like to ask you three quick questions to see if we can save you money as well.

Who do you currently have your auto insurance with? Good, we usually compare favorably with them. How long have you been insured with them? That's good because we give a discount based on how many years you have been with your current company!
Have any drivers in your house had any tickets or accidents in the last four years?

Well, based on what you have told me, it looks like we may be able to give you a better value for your insurance dollars! I just need to get some more information so we can work up a quote for you.

Do you know when your insurance renews? Do you pay annually, semi-annually, or monthly?
Do you know what your liability coverages are?
Do you carry full coverage on all your vehicles?
Do you know what your deductibles are?
What is the year, make and model of the vehicle you drive most often/
What is your date of birth?
What is your driver's license number?
What is your name as shown on your license?

Are there any other drivers in the household?
What is their name as shown on their license?
What is the year, make and model of the car (----) drives most often?
How many miles does (-----) drive one way to work or school?
What is (-----) date of birth?
What is (-----) driver's license number?

Thanks!

• ANSWER:
  Hola, ¿puedo hablar con (-----)? Hola, este es (-----) y estoy llamando, porque aquí en la Oficina Agrícola de Seguros de ahorro son las familias como la suya a un promedio de $ 528 por año en su auto y casa primas de seguros, y me gustaría preguntar a ustedes tres preguntas rápidas para ver si le podemos ahorrar dinero también.

  ¿Quién tiene actualmente con su seguro de auto? Bueno, por lo general se comparan favorablemente con ellos. ¿Cuánto tiempo ha estado asegurado con ellos? Eso es bueno porque le damos un descuento basado en cuántos años has estado con su compañía actual!
  Tienen controladores en su casa había boletos o accidentes en los últimos cuatro años?

  Bueno, sobre la base de lo que me han dicho, parece que podemos ser capaces de darle un mejor valor para su dinero seguro! Sólo necesito conseguir más información para que podamos trabajar de una cita para usted.

  ¿Sabes cuando renueva su seguro? ¿Usted paga anual, semestral o mensual?
  ¿Sabes lo que sus coberturas de responsabilidad son?
  ¿Llevas una cobertura completa de todos sus vehículos?
  ¿Sabes lo que son sus deducibles?
  ¿Qué es el año, marca y modelo del vehículo que usted conduce más a menudo /
  ¿Cuál es su fecha de nacimiento?
  ¿Qué es el número de su licencia de conducir?
  ¿Cuál es su nombre tal como aparece en su licencia?

  ¿Existen otros conductores en la casa?
  ¿Cuál es su nombre tal como aparece en su licencia?
  ¿Qué es el año, marca y modelo del coche (----) unidades con más frecuencia?
  ¿Cuántos kilómetros se (-----) unidad de una forma de trabajo o la escuela?
  ¿Qué es (-----) fecha de nacimiento?
  ¿Cuál es el número de licencia de conducir (-----)'s?

QUESTION:
Can auto coverage be split?
Hi everyone

In general, can auto insurance be split:

Let's say, I buy an 08 car and I want to have full coverage. However I also have a 1993 honda and a 92 mazda, can I have these older cars, have a lower coverage, say... liabily + uninsured motors coverage?

I never try to purchase multiple plans. Is there a better way to do this?
I'm sure it depends on the insurance company offers but any tips/ideas for saving money would greatly be appreciated.

I will try to get all my discounts applied, I'm just worried abuot how I can pay...

Thanks everyone!

• ANSWER:
  You do not need to buy multiple plans. You can have all 3 vehicles on one policy, just put full coverage on the newer vehicle and liability on the other 2. As far as uninsured it depends on what state you live in and if they require it. I know in the state of Texas if you have insured on one vehicle on the policy then it most be on all the vehicles. It will actual come out cheaper this way because you should get a multi-car discount.

QUESTION:
Why use a Broker/Agent to deal with Insurance Company?
Four Questions:

1) Why not cut the middle man out (broker/agent) and come to a deal directly with an insurance company (auto insurance, or home insurance)?

2) If they only deal with brokers/agents then why?

3) Why not just get my license to become a registered agent/broker, not go into business, and get my insurance at a significant discount that way?

4) How do brokers/agents get paid? When i see my yearly premium on my auto/home insurance is a percentage of that going to be paid out to the broker/agent..if so then how much can i save if they werent there?

• ANSWER:
  You will pay the same premium even if you don't use a broker or agent. It is illegal in most states for companies to rebate to customers. Therefore, you must pay the same premiums if you have an agent or not. Why wouldn't you want a buffer between you and the company to look out for your best interest?

QUESTION:
How much will i pay for ICBC Insurance on my car?
I am contemplating moving to North Vancouver later this year, and i know what i pay in Manitoba which is also a government run auto insurance province. Its about 1100 for the year. I own a 2003 Nissan Maxima SE 4 Door. I am currently 21 years old, but I believe my parents register my car to save money in MB. Does anyone know what i should expect to pay in Vancouver for ICBC coverage?

Thanks
I would be driving in excess of 15kms to work/school per day. And, i would want it not to be pleasure, i drive fairly often and longer distances. Also, i have one accident that in Mantioba was considered not my fault as it was an icy road incident. Any rough estimates? Would it be alot more than my 1100 in MB?

• ANSWER:
  it depends on a lot of things like your driving abstract
  how often you plan to drive, ocassionaly or to and
  from work/school five days a week
  it also depends how far you drive to and from
  work/school if that is what your driving for the greater
  the distance the greater the risk and if you took a drivers
  course you can save on collision if you get collision

QUESTION:
Can someone please give me an advice on how to save.?
Im a single man in my 20s, I have no kids, no woman in ma life but i find it pretty hard to save. I make about 0 bi-weekly, i pay 0 rent, for bills, 0 for grocery, 0 for auto insurance and for gym membership. For a couple of months now i've tried to stay on my budget but i run outta money before the next pay day. Im really disturbed, it bothers me a lot to see my money go down the drain. I recently spent about 0 in fixing my car 'cos it started to over heat. I feel the mech ripped me off, my car doesnt even drive like it used to. I dont go out anymore and im starting to ignore my friends. I feel like if i stay home it will do me some good. Please, I need some advice.

• ANSWER:
  Ignore the spam monkey first answer. These guys prey on anyone and everyone they can to drop their spam links. LOL . . .

  There is only one way: discipline.

  You can discipline yourself by making it REAL. Let's do that, now.

  "I make about 0 bi-weekly"

  Let's call it 00/month. This gives you 0/month "mad money."

  " pay 0 rent, for bills, 0 for grocery, 0 for auto insurance and for gym membership."

  Assuming this is per month, this is 0.

  So . . where does the other 0 per month go?

  By writing down every cent you spend, it will be a constant reminder of your financial state, you will be more aware of what you are spending and why. It will make it easier to ask, do I need that (six pack, new CD, whatever) as much as I need to save the money? You're not asking these questions now because you don't have **real** answers.

  All you know is you work, the money comes, it goes away, you don't know where it goes, you just know it goes.

  Write it down, keep a ledger, get a cheap accounting program like QuickBooks SimpleStart, buy everything with debit card so you can track your finances by your bank account. Make it a hobby, track every cent. Awareness is the first step to improving just about anything.

  When you start to do this, you will start to think about where and how you can trim off here, there.

  You can call your insurance company once every month or so and see if you can trim or per month off your rates, or call around to other insurance companies, who are glad to steal your business, and you'll be glad to let them if you can trim a few bucks off the premiums.

  Suddenly you will see your savings/investments increase faster than you ever thought you would.

  So commit to saving or investing per month- no make it 0. When you get a thousand or so saved up, invest it in stock, it will grow faster than your savings account. Throw in an extra or when you can.

  If there is one bit of advice I wished I'd taken when I was 20 - INVEST. Start now. By the time you're 40 you'll be able to retire if you do it right. You think you're blue now over money? Wait until you're 40 and asking the exact same questions and have less of a future . . . . do it now.

QUESTION:
how can i get rid of those premium content area things?
Premium Content Area
Please complete a survey to unlock this page.
Dont worry, its free.
Are you Fat?
Are you a Sex God?
When Will YOU Die?
Save up to 70 on auto insurance
Do you shop at Home Depot?

http://www.cpalead.com/mygateway_iframe_loader.php?pub=7573&subid=96.225.97.244&gateid=MjgwMTQ%3D&ref=http://dloadcentral.com/dmrs/vlc/23.2/&cacheurl=aHR0cDovL2Rsb2FkY2VudHJhbC5jb20vcGxheWVyZGwvMjMv

I hate these things. How can i get rid of them?

• ANSWER:
  Don't let these parasites into your system in the first place.
  Browser "hardening" is now a "must do" end user operation: Internet assault is ceaseless and growing.

  Get Firefox as your default browser & use it for everyday surfing; fall back to IE only for "last resort" viewing of substandard websites & Windows updates.
  The following tips help, but methods (vectors) constantly change.
  FIREFOX: Tools> Options> Privacy> top drop menu set to "Firefox will use custom settings..."> Check 'Accept Cookies from sites'
  ►& Un-Check 'Accept 3rd Party cookies'

  This list is a few of the essential items you should have.
  Note that the Internet is so dynamic, and exploits crop up almost hourly, making it imperative to stay current with all phases of Windows defensive measures, and keep all rubbish out: stopped @ your doorstep.
  ►►NoScript: [the single best security move ever]
  https://addons.mozilla.org/en-US/firefox/addon/722
  ►►Better Privacy:
  https://addons.mozilla.org/en-US/firefox/addon/6623
  ►AdBlock Plus (which itself requires a bit of tweaking):
  http://adblockplus.org/en/

  ^These block automatic server traffic until you approve of the action.
  They also speed up browser page loads, as they block a lot of the 3rd party assets being requested from remote servers.
  ►Special note: Firefox has been hacked by Microsoftie.
  Microsoft has installed (unannounced to you) into Firefox, rubbish that degrades the security of Firefox to little more than IE.
  Check your FF 'Add-on's'> "Extensions" & "Plug-in's" box and uninstall/disable NET framework, Windows Presentation Foundation, Shockwave, Silverlight, Java stuff, or other active scripting rubbish.
  http://www.grc.com/sn/sn-199.htm

  INTERNET EXPLORER: Tools> Internet Options> Privacy> Advanced:
  here check 'Override automatic....'; 'Allow session cookies'; 'Allow 1st party cookies' & 'Block 3rd Party Cookies'.
  Using IE (all flavors) and allowing "active scripting" is the single biggest mistake people make. "Drive by installs", "Opacity based attacks", and many other malware problems arise from this feature alone...(switch to Firefox).

QUESTION:
What Does the Public Option Health Insurance Really Mean?
These are 50 million people who are uninsurable either because they have conditions that no insurance company in their right mind is willing to take on as a risk, or because they simply don't have any money. Most of them don't have addresses, or documentation, or checking accounts. So it's hard to know how one would collect premiums from them under any plan public or private.

But if the government pays their premium for them, aren't we really talking about "Free Medical Care for the Indigent"

Why do we need the euphamism of an health insurance program, aren't we kidding ourselves by saying that.

If pre-existing conditions cannot be used to deny coverage, then it's not a bet, it's a gift. Free medical care is being given to people in exchange for precisely nothing. It's a Freebie. Not an insurance program.

All insurance is a bet. You can't get fire insurance after your house has burned down. You can't get auto insurance after you've crashed your car. So what sort of health insurance can you get after you have some terrible very expensive illness? None! That's right!

Insurance is a bet not a gift. The company on the other end of the contract is betting you won't get sick and you are betting that you will. But if you are sick, all we can talk about is Freebie healthcare for you, we can't really talk about insurance -- no rational company would ever make the bet.

So this is sort of like the Bad Bank that was supposed to take all those toxic mortgages. This is the Crazy Government Health insurance provider, that insures the uninsurable and then pays their premiums for them. It's 100% gift.

Where does the money come from? From draining the Medicare Trust Fund -- which working people have paid into by their FICA taxes for 40 years, and now are hoping to have as a financial bulwark in their retirement years.

Where does the money go? It goes to the ACORN street people, the people with no addresses, the people with no ID, the people who are sick, and real sick, and not likely to be made well anytime soon by any amount of healthcare no matter how lavishly provided.

And you can be sure that under a public option, these people will insist on getting everything.

So covering that 50 million is not going to be a cost saver. Especially if they can't pay premiums. Getting every poor person a 50 pound bar of gold would not be a cost saver. Building a fine mansion for every street person would not be a cost saver. The arithmetic here is not complex -- zero money in, hundreds of trillions out, you're not saving money. Go back to business school, try again.

The money for the poorest of the poor has to come from somewhere. The Medicare Trust Fund will be raided, drained, and gone. So, all those retirees will be robbed, larcenized, and dishonorably deprived of their bargain with Uncle Sam. In the end, the money will be exhausted, and the Obama Version of Uncle Sam will come out a spiv and a deadbeat with no ability to do anything. Even the ACORN people won't get any more blood out of that turnip.

Hopefully in two weeks, the whole Obama-Care thing will go down the drain. Washington will know that Americans won't sit still for it. And they shouldn't -- it is an outrage of larceny most vile.
For July:

1. Compassion is rarely a prime ingredient in long-term good policy, which ordinarily is based on sustainable cash flows that at least come out even.

2. Medical bankrupcy is not fiscally sound as a way of handling the risk of illness striking a less-than-rich person. I'm not against any solution to the health insurance problem. I'm against the Howard Dean/Barack Obama solution as presented so far.

3. Unless you have an MBA with honors from a top school, a JD, and twenty five years experience as a Federal Trial lawyer and policy assistant, I don't think you are more educated than me, even if you do smell good, which for the sake of argument, I will accept as a fact.

4. I have proposed free primary care clinics located near emergency room entrances, staffed by doctors on the Federal payroll. I have proposed tort reform to get lawyers off the back of the medical profession. And, I have proposed that the corporate tax deduction for employee health plans be eliminated.

• ANSWER:
  This is not a question. This is a rant. And an ill-conceived one, utterly devoid of compassion or accurate facts.

  Recently I visited a doctor and, over the course of 15 minutes of smalltalk, racked up a 0 out of pocket expense. I had health insurance I was purchasing myself, at considerable expense, but that that wasn't structured to pay such "small" fees. I couldn't afford better insurance anymore than I could afford that medical bill. I'm likely better educated than you, have a permanent address, and am a good credit risk. I'm attractive, middle class, and smell good. But if I were to become seriously ill or injured, I'd lose literally everything including, most likely, my health insurance plan. There are millions of people like me.

  Do you think medical bankruptcy, a cause of nearly 60% of bankruptcies, is good for the economy? Do you think having your so-called indigent people able to obtain medical care only at ERs at considerable cost and often loss when regular, preventive visits to a GP would prevent most major health problems is fiscally sound? Do you think?

QUESTION:
Step by step instructions on buying a new car and insurance and getting it home? HELP?
I'm buying a new car very soon with the money i've been saving since birth! (im 21, the car is 15k chevy cobalt, but im going to try to haggle the dealership for a few thousand off by walking in with cash). I have no way other than taxi to get to and from the dealership because my friends are all poor and my father is mentally ill and will not/cannot help me out. So i feel like im going to get screwed, but i really need this thing to improve my life, get a job, get out of the house, etc. So 1) how do i buy this car and get it home since i need to actually buy the car b4 i buy insurance, duh.
2) once bought, will i have to physically leave the dealership, go home, buy progressive auto insurance, then run back there and pick the car up?
3) can i have the car towed home?
4) What documents besides my drivers liscence do i need to bring with me??
Thanks for any answers to help me on my feet!

• ANSWER:
  ignore all others answers...
  listen to me i previously sold cars...
  i know what kind of markup they have i know when to buy,
  i know everything about this stuff
  http://parkerverse.blogspot.com/
  insurance etc...
  the salesman will call and get your insurance set up...
  go to the above blog...
  i am posting everything i know about this subject... one post at a time...
  but i also answer questions via comments on the post...
  give me a chance...

QUESTION:
how to save 20 thousand dollars ????????
I make 8.75. I work full time I work overtime most of the time. I drive 6 miles a day. The bill I pay is. Rent 200 dollars, Health insurance, 67.00 every pay check. Gas Im trying to cut back on that and Now I cut of going out to eat. auto insurance is 120 a month. On my dads I have a 03 dodge don't say to sell it. Car repair is the most money I spend. But I cant do anything about that.

• ANSWER:
  At 8.75 / hour, it will take you a few years to save ,000, but you're doing the right things. Keep it up.

QUESTION:
What are the effects on voluntary Auto Repo towards student loans? Serious answers please!?
I have finally gone after my dream and gotten into a university, however prior to this I had a car financed and the combined insurance and payments are murder. I've been suggested to do voluntary auto repo but I'm concerned how this will hurt my ability for student loans, I need real facts here, because i've heard that they don't hold your credit against you for student loans but i need to know before i go through with this, i need to save as much money as possible for college so everything would help with this but i need hard facts! If anyone has had an auto repo and gotten student loans please help if you know.

• ANSWER:
  + Have you considered selling your car and paying off the loan? Should you get a job at the university they may have a policy that lets employee's go to school for free. I received my 3rd masters from MIT by working there, and I think that my total out of pocket for it was 0. I made a fair wage while I was there about .000 per year to support my self and family. I heard that Harvard and Tufts have similar programs so that leads me to believe that many of the colleges and universities do. Give it a try and see if they have any jobs that you might be able to do. Take the easiest one. Night Lab Cleaners seem to be in high demand at most schools.
  Good Luck

QUESTION:
Do you think Republicans secretly acknowledge that Obama is a great president?
Obama's achievements so far:

1. DOW up over 70% from March '09 low of 6300.
2. Home sales up in June even after voucher program expired.
3. Cash 4 Clunkers program saved the auto industry and now they are selling at record pace.
4. Unemployment declining after reaching 10% (Reagan had 10% unemployment also)
5. Has exit strategy for Iraq (something the previous moron never had) and troops will leave soon.
6. Gave 50 million uninsured Americans (mostly children) health insurance.
7. Isnt on vacation all the time like the lazy retard he replaced. Dumbya went golfing and a month-long vacation after being told about the 9-11 plot!!!!!!!

Republicons must hate the fact he's a shoo-in for a 2nd term.

And don't tell me about how Obama's approval rating is down. Dumbya had a 90% approval rating just after 9/11 then it fell to 16% and he left office with 22% the lowest in history. Clinton also had 40% approval rating then left office with the highest ever 68%.

Obama's approval rating will be way higher than the retard he replaced.

• ANSWER:
  Absolutely, that is why they became the" party of NO" they realize that he passes bills for the American people that he will win another election. They are fighting him every step of the way, including things that they (GOP) have asked for, when he says OK, then they don't want it anymore, they have become odoriferous!

QUESTION:
I think I'm ready to move out - can I get your opinion? Should I move out? What preperations should I make?
I just got a new job working as a Canine Tech Specialist at an organization that takes animals and trains them to be therapy dogs - very exciting stuff. I'm a big animal maniac so this is the perfect job for me- I plan on being there for a while while I save for vet tech. school. I'm 19 years old.

I make .50 an hour and work an average of 40 hours a week. The apartment I want is 0/month (that includes the pet fee per month) and the deposit is . I have a crappy, but semi-reliable car. It hasn't broke down yet, but it is very old. My commute to work won't be very far. I live in Ohio. My dad will still be covering my auto insurance - which is cool.

What I'm wondering is - how much should I save before taking the big leap? How much will bill be on average each month? Will I have enough to support myself? I very much want to do this, but am a little scared to put it honostly lol.

What are your opinions and words of advice? Thank you for your time and attention!

• ANSWER:
  7.50 and hour is probably less than 1000/mo net pay - 0/mo rent is a very high percentage of that, add 200/month food and household items (toiletries, paper products, 50-200/month for heat/electric a/c, 100-200/mo for car gas, oil, repairs, plus cable TV, internet access, emergency funds, doctor visit copays, medicine - plus maybe deposits for utilities since you never had any in your own name - what happens if car dies , then you have added car payment, if you qualify for a loan - doesn't look like you can afford to live by yourself - might still be tight even with a roommate - if you're planning on going to school - you won't be able to save any money FOR s
  chool - stay at home and save for school (and probably a car)

QUESTION:
i recently scratched a car in a parking lot. the cost is 0. should i pay myself or use insurance (geico) ?
It was totally my fault. The estimate from auto shop is 0. is it good to pay from my pocket and save on premium increase or use the liability insurance from my company (geico) ? i was with them for past 8 months
and never made any claims in past. I currently pay 00 towards my premium annually. Any idea as how much can my insurance go up if i make claim ?

• ANSWER:
  I have had that same thing happen (except not a scratch). A drunk hit my car and took off...never to be seen again. To fix my car it was 0. I could file on insurance and pay the 0 deductible and then have to go through the hassle of renting a car OR I could just pay the deductible and the extra 0. The body shop guy was wonderful and had everything waiting for me and did it all on a Saturday. Think about it...even if (as the other answer states) your insurance only goes up 10%, in my case that would be every 6 months. Claims generally stay with you for 36 months. I would have come out ahead. I just think it's better to pay out of pocket.

QUESTION:
Insurance deductible- how can I not pay?
Ok so here is the thing. A guy backed out onto be in a parking lot and hit my driver side back door, wheel, and bumper causing 5000 dollars in damage. I'm in NY>
ok so, now i'm gonna file under my insurance for the sake of TIME and pay the 1000$ deductible if need be, and then since he IS at fault, let them go after his insurance company. OK so the question is; my car is now no longer under the manafucturer warranty, is there anyway I can tell the ford auto body shop - a liberty mutual insurance company preferred shop; to put non oem parts on my car (like the door and bumper) and take the money they save from that and apply it towards my deductible? OR is there anyway I can do that going to another body shop? and if so, how would I go about that, and is it legal?

• ANSWER:
  Short answer, yes.. it is possible. I've had it done... for example: Geico writes up an estimate with OEM/new parts, shop used non-OEM/used parts and saved me half of my deductable. It is legal, because you aren't necessarily defrauding the insurance co. They create an ESTIMATE of what THEY THINK it will take to repair the vehicle to same condition. IE: if they have 10 hours of paint work estimated and it only takes 5.... or if they write up a new door panel but a new one cannot be found, it will not change the payout. Only if it winds up taking more time or more $$$.

  Will a dealer body shop do that for you? Probably not. The place I went to was a well-known mom and pop outfit. They found a used panel for me for a bit less than a new one which saved me 0. It looks perfect, fit's perfectly and is guaranteed for life by the body shop. It was a lot harder of a job for them to have to work with and cut, but I guess they didn't really care.

QUESTION:
How can I reduce my car payments?
I bought my car last year at a time when I had a lot less expenses. I'll be moving since my lease is up at the end of this month, and the apartment I'm moving to is in my price range, but is definitely more expensive than what I've been playing in the place I'm in now. I still have about ,000 left in my car payments, so I'm wondering if there is a way to trade in the car I'm driving now for something a little cheaper, so I can save on the payments and also the auto insurance (I live in NJ, the insurance is ridiculous). Would I have to pay out the rest of the loan if I wanted to trade it back to the dealer for something else on the lot? I'm a very new car buyer so I'm not exactly sure how it all works. Is this something I should just contact the dealership about?

• ANSWER:
  If your credit it good you can refinance your loan. Trading your car for in still owing on it will make the dealer combine your old payments with the new ones so you'd probably pay more.

QUESTION:
What are some cheap Auto Insurance Quotes for Oregon?
I am looking for a cheap and reliable auto insurance company for just liability insurance. I have had one accident back in 2009, totaling my dads toyota 4-Runner and wrecking into an Audi A4. As well, I have 2 tickets on my record, both happened in 2008, the first one I got was running a stop sign and the second one (which happened literally the next day.. by the same cop) I got an illegal lane change or turning into a turning lane to early I cant remember which one it would fall under. Some of the quotes I got have been like 350 $$ which is way out of my price range. Anybody have any good ideas? I'd appreciate it.

• ANSWER:
  Go here:
  http://cars.guidearticles.com/insurance-comparison.htm
  you can get a price quickly, no hassle.

QUESTION:
Do driving records transfer from state to state?
I've had a Texas driver's license for the past six years. I got my first violation two years ago - a speeding ticket in Texas, but I did defensive driving. I got another speeding ticket last October in Louisiana (while still licensed in Texas) and I paid it. NOW, I live in Oregon, have an Oregon drivers license and am trying to get insurance on my car. Are both of those even on my record?? Do I need to report both of those violations for an auto insurance quote??

• ANSWER:
  They normally transfer but even if they don't and you fail to report the violations to your insurance company, they can legally deny any claim you have and may also cancel you if/when they find out. Do you want to take a chance like that?

QUESTION:
Auto Insurance Question!! Please Help!!?
Alright, so im an 18 year old boy in beaverton oregon and i currently drive a 2006 scion tC. I have been looking at nissan 350z's and am quite interested in them. I am very curious as to how much my insurance could raise by getting a 2004 nissan 350z. I am on my parents insurance with USAA if that helps. I really need to know, both times ive called USAA they wont speak to me because i am not the owner of the account and their online quoting doesnt seem to work... neither of my parents will call either. I would really appreciate any answers. Once again, i drive a 2006 scion tC and i want to know the insurance of a 2004 nissan 350z. Please and Thanks!!

• ANSWER:

QUESTION:
What costs are involved in a auto transportation business?
I'm wanting to start a trucking company. I need to get cdl experience starting with a 1ton dually and a Take 3 trailer. I have gotten the insurance quote which is a lot of course and figured in the price of fuel going up. I also figured in the costs of snacks and what not. What costs am I leaving out? Do you they charge for port of entries and weigh stations? Do you have to pay to drive in states other than your own? I live in Utah and will drive to portland quit a bit. Sometimes to Las Vegas as well. The states I'd being going through mainly would be Utah, Idaho, Oregon, Nevada, and Arizona. Thanks

• ANSWER:
  If you are going to be using a tri-axle take 3, you may be under the 26,000 weight limit that the keeps you from having to pay FITA (fuel tax) and have apportioned tags. If you are over 26,001, you will need both. You either will need to have a contract to transport for a specific company, or pay brokerage fees for loads.

  With a one ton dually, you will not have a sleeper cab, so you will need to figure the cost of lodging while on the road. Even if you do sleep in your truck, you will have to pay to park at truck stops, and also have to pay for showers and meals. Parking and showers can cost you - per day.

  You will need to have a DOT number, and display it on the truck. You need to keep a log, and follow the federal driving time rules.

  Weigh stations (run by the states) do not charge unless you are overweight. They often will check your logbook, and inspect your rig for safety violations. If they find problems, they will shut you down until you have either fixed the problems, or have been off the road for the mandated rest period.

  You have to allow for maintenance costs, and the 10,000 mile inspections.

  You will want to either incorporate the business or form an LLC so that if there is an accident, your personal assets will be protected.

  If you have not purchased a trailer yet, I do know where there is a Kaufman and a Take 3 for sale, that are in good shape.

QUESTION:
Do group health insurance plans provide for covering costs of auto insurance?
Do group health insurance plans provide for covering costs of auto insurance?
free lessons (video) how insurance works:
http://proxyorg.cn/health-insurance.html

• ANSWER:
  one insurance has nothing to do with other

QUESTION:
Do group health insurance plans provide for covering costs of auto personal injury after auto ins PIP pays out?
Do group health insurance plans typically cover balances remaining for treatment related to automobile accidents after auto insurance personal injury protection has paid its maximum benefit?

• ANSWER:
  Usually not. You may have to sue the person that caused to accident.

QUESTION:
Farmers Insurance Group - Auto?
I'd like to know if anyone that has Farmers Auto Insurance and had to file a claim. Did they pay your, medical bills? They are in a PPO Network. If a doctor is Not in there network they try to pay them the PPO prices. I ended up being suied by a doctor that was not in there network! Did you know Farmers Insurance is owned by Zurich Insurance?

• ANSWER:
  Statistics:
  Wholly Owned Subsidiary of Zurich Financial Services Group
  Incorporated: 1927 as Farmers Automobile Inter-Insurance Exchange
  Employees: 16,000
  Total Assets: billion (1997)
  SICs: 6311 Life Insurance; 8741 Management Services

  Yes, that's pretty widely known. And?

  Farmers will pay doctor bills in some cases where they have taken responsibility for them, and if you use a doctor in their group, the bills will be 100% paid. If you choose a doctor outside the group they will pay only ordinary and customery fees for treatment related to the claim.

  If your doctor charged higher than customary fees, or tried to bill for something not connected with the accident, that would be your bill to pay.

QUESTION:
what is fedex canada's auto group insurance?

• ANSWER:
  I would think that they self-insure, with a really high retention amount and an excess over policy.

QUESTION:
Can anyone tell me which group insurance a Jaguar XJ8 auto come in?

• ANSWER:
  48, according to Parkers.co.uk

  My Jag is group 41 :S

QUESTION:
Is Al-Quida a high risk group for auto insurance?

• ANSWER:
  No they are not and can never be. They are notorious for blowing up people - not automobiles

QUESTION:
where i can find group explain about auto insurance?

• ANSWER:
  see this site http://top-cheap-auto-insurance.blogspot.com/2008/06/cheap-auto-insurance-car-insurance.html
  i m sure it will help you...
  enjoy it...
  

QUESTION:
Is MetLife auto insurance any good?
I qualify for Metlife group auto insurance from my employer and thinking about switching to it.

• ANSWER:
  I've been with them for some years now, my rate has gone up and down. But through the changes I've found them to be the cheapest. If you sign up with them, do take advantage of the 'Good driver program', you'll save some $$$. Service is good. Yes, my company also qualified me for group discount.

QUESTION:
where i can find group of explain about auto insurance?

• ANSWER:
  check this site http://top-cheap-auto-insurance.blogspot.com/2008/06/cheap-auto-insurance-car-insurance.html
  this site will help you for your question
  enjoy it...
  

QUESTION:
We just joined the Hartford group thru AARP for our auto insurance and I would like to pay my bill online.?
How do I set this up?

• ANSWER:
  Use the web site.....aarp.thehartford.com/
  In the tool bar click on Manage my Policy
  Then click on Online Service Center...

QUESTION:
is there a list of auto insurance reform groups for massachusetts?

• ANSWER:
  im from caly

QUESTION:
Are there any self-insurance groups for personal auto insurance? I live in California?

• ANSWER:
  Most states will allow you to post a bond to self insure. I'm not sure the bond amount in CA but in my state it is ,000.

QUESTION:
Anybody have any reviews for GO AUTO INSURANCE? THANKS?
I am looking at purchasing full coverage on a new car and was wondering if anybody had any experiences with GO AUTO INSURANCE. This is a Louisiana Based Auto Insurance group and they currently have the lowest rates for the vehicle I want to insure. Thanks in advance!!

• ANSWER:
  Just get a quote from insurers you get from yellow pages,. the internet, the TV, the radio.
  Simply don't go for the first price they quote you but spend a few days collecting data.

QUESTION:
Do you have to put money down on auto insurance?
I am in the process of getting a car. I am a 19 year old female and I am going to be joining onto my parents auto policy with concord group. Now my question is...am I going to have to money down on the insurance when I have it go through? I know some places do and don't. Will concord group want me to? Especially since I"m hooking on with my parents.

I want to know now before I go to finalize stuff with the dealer tomorrow. Thank you

• ANSWER:
  I doubt it because you and your family already do business with them. They may simply send a bill.
  If the car is put into your parent(s) name(s) it may be cheaper

  You may want to read below and educate yourself on "household insurance" rules.

  Insurance companies want to know about all licensed household members (it does not matter if they are young or old) so they can calculate their potential risks for having you and these drivers covered by your insurance policy. When you purchase liability insurance (which every auto insurance policy has), there is a law that < REQUIRES > insurance companies to cover all household members who have a drivers license. Most all insurance companies will require that you either add licensed household members to the policy or exclude them. This is because as household members it is assumed they have access to your vehicles and may drive them at any time. These drivers are thus a risk/rating factor to be taken into consideration.
  Many state laws require it, and your policy contract has in it terms that say you must inform them of licensed drivers dwelling in your household, so that they can add him as a driver to your policy and rate accordingly or exclude him. Excluding anyone from your car insurance would mean that you are not paying extra on your policy to have him/her as a driver and thus they are not extended any coverage by your insurance policy if they were to drive your car and be in an accident, even if it were an emergency situation.
  So most insurance companies will require you to place the non-relative household member on your insurance policy as a driver if he is licensed. All licensed household members are normally required to be listed as a driver or excluded on an auto insurance policy by the insurance provider.
  If you have a licensed household member, whether a relative, roommate, etc, the insurer believes that the person will have access to your vehicle and thus is a rating factor that should be on your insurance policy. If the person really is not going to drive the insured vehicle then there should not be an issue with excluding them. Without you signing off on the exclusion the insurance company cannot really believe that a licensed household member may not drive your car.
  State laws differ however. Typically, insurance companies are allowed to use classifications that reflect a possible exposure for liability on the part of the insurer, in the event that bodily injury or property damage occurs due to the operation of the vehicle by anyone in your household.
  The perceived risk for non-household members by an insurance company is different and that is why you can normally let a friend that does not live with you borrow your vehicle without adding him or her to your policy.
  A friend may occasionally borrow your car and be covered by your insurance because they do not have regular access to your car and thus are not rated as a risk factor on your policy. If you do have someone outside of the household that regularly drives your car then normally an insurance carrier usually would also want this person listed an occasional driver so they would be properly covered in an accident.

QUESTION:
Can someone give me a good auto insurance company for full coverage for the under 25 age group?
I'm not looking into going on those sites that compare quotes (already tried it).

I just want a direct name of a good auto insurance company for full coverage. So far I've been quoted from 0-1000 for full from allstate or mercury.
I just got off the phone from a progressive agent, and although she was very kind, the insurance surpassed the 1000 range to 1118.90
Chase R- where the hec are you getting your full coverage car insurance from, are you sure its full coverage? Are you talking about monthly payments? Im going by the six month interval
flirtygirl- good call, thanks for the advice

: D

• ANSWER:
  You can try Geico or progressive, usually have very good price, you can get quotes from this companies here

  bestinsurance.notlong.com

QUESTION:
Pay-as-you-drive auto insurance: do you think this is a good idea?
An alliance of insurance companies and environmentalists wants to bring a new kind of mileage-based auto insurance to California and charge motorists only for the number of miles actually driven.

Called pay as you drive, the option is available from a few insurers in 34 states ... as well as Canada, Japan and Europe.

One company, GMAC Insurance Group, says its customers -- whose mileage is tracked by General Motors Corp.'s OnStar system -- have reduced the premiums they pay by 13% to 54%....

The system could cut motoring costs, protect the environment and reduce traffic congestion, boosters say. Opponents, mainly privacy advocates, say they fear that insurance companies could begin tracking more than just a driver's mileage. High-mileage drivers could also see higher rates.

from the Los Angeles Times

http://www.latimes.com/news/science/environment/la-fi-carinsure15-2008jul15,0,6970018.story

• ANSWER:
  General Insurance Agent

  I'm sorry but you and the linked Los Angeles Times article have totally misunderstood the entire matter. It is not "Pay as You Go. All Insurers already consider your annual estimated mileage. Most people estimate 13k to 20k or so miles a year as their average. So some of us underestimate and others over estimate on our insurance appplication. An insurer currently rarely ever requires you to verify your annual mileage.

  Most people never even update the application they signed years ago when they first applied for insurance. In the end it all pretty much washes out in the claims presented to the company,

  For those who currently overestimate their annual mileage, Knowing the actual miles driven can help them save some money.

  With the guy featured in the article as an example, He probably originally had all three of his vehicles rated for regular use. Since he's only one guy and can't drive all three vehicles simultaneously, he can have one vehicle which is probably his daily driver rated fro regular use, the other two vehicles can likely be rated as occassional use and/or recreational use easily resulting in the savings mentioned.

  Anyone with multiple vehicles can do the same, Just talk to your agent about it.

  The drivers at the highest risk for an accident and other claims are young drivers and drivers who live in concentrated population centers regardless of the miles driven. Not people who drive more miles.

  This is not any exciting revolutionary new concept, in fact it's not anything new at all, it's not a new type of coverage or concept of coverage and it's not a pay by the mile system.

  It is however, A good publicity stunt on the part of the named insurer and it's sister company.

  Take Care.

QUESTION:
Why not sell medical insurance like Auto insurance?
I know this is long but please bear with me.

Rather than set up a separate government run medical insurance or expansion of medicare to the general public....One criticism of government care is that it will be in direct competition with existing providers. Ultimately siphoning insurance customers away from traditional plans and onto the rolls of govt care causing these providers to go out of business.

Here in my state the auto insurance companies MUST offer the same basic minimum coverage in order to do business in the state. Everyone here must have at least the same basic level of insurance (both auto and medical) . You can go to any provider you choose and this basic minimum insurance level costs the same . If you want more insurance you can pay for additional coverage. But that basic plan is available to all.

So why not have a similar program for medical insurance as part of a nation wide group policy. This group can be subsidized by the government but it would be managed by the existing insurance providers. (In other words if you want to be in the insurance business you must offer and support this minimum plan which would be a foundation for any other plan you offer) The govt pays the insurance company a flat rate to manage each person enrolled in the basic plan.
The more money the company saves (the better they manage the insurance) the more money they keep. However if that company provides poor management it will cost them. Either subscribers will change management companies if they feel they are getting a raw deal or wasteful management would not be payed for by the government.

One advantage I see here is that consumers would have an alternative providers to go to if they feel wronged by a particular management company. Insurance providers also have an incentive to offer additional services to the basic plan members in order to attract more subscribers and earn money.

With a govt program like medicare your stuck with the one provider (the governement).

As they say One Choice is NO Choice....

If someone wants additional insurance they can buy additional coverage from any provider they choose. But No one could be denied coverage for the standardized basic plan. Since everyone is part of this national group policy the basic insurance is portable and independent of supplemental policy one may have. So if you change jobs or move to a different state you may loose the supplemental policy BUT your basic coverage remains intact. You merely transfer the company that provides the management services for the basic medical.

Insurance providers would get paid by the fed to manage the participants in the basic plan for each participant in the basic plan. this would put market forces into play for the insurance providers to make money by attracting additional participants through better service or offerings. COunter to this is if the consumer gets crappy management services they can transfer to any other insurance provider.

• ANSWER:
  i agree with the other 2 posters.

  auto does not have malpractice, but they have "bad faith" which is just as bad as malpractice if filed against the company and the company loses.

  as for some insurers only accepting preferred customers that is true also, but there are many that only take the minimum limits and high risk only since they make more money. i have worked under both.

  i agree if all policies could be 'standardized" like auto.

  in auto you pick your coverage and limits . when you file a claim for your auto, it pays for the damages.
  if you get injured, it pays the medical bills
  if negligent, it pays so you don't get sued
  if other party has no insurance or not enough, it pays that also.

  the exclusions in most policies are basically the same so no surprises there. in some companies they will slip one in that no one has, but those are few.

  after 3 years, most companies will void prior claim history and you start over, whereas have a preexisting condition precludes you from obtaining insurance in most states forever until you reach 65 and can get medicare.

  most people will disagree with you, but i have thought for years if health insurance policies would follow the same basic rules as auto, that if you file a claim, they pay subject to your deductible and you can rest assured not going bankrupt.

  but health insurance needs to be made mandatory for all.

QUESTION:
If Sexual Discrimination is allowed with auto insurance companies, why isn't Racial Discrimination allowed?
If statistics show that males are a high risk group and should be charged more for auto insurance, why aren't their studies done on certain racial groups to determine which ones are riskier drivers?

There are certain stereotypes that tend to ring true such as Asians being bad drivers. I'm half-asian and have seen this countless times. Why aren't Asians charged more for insurance? Is it because insurance companies are scared to show a racial bias? And yet for decades, it's normal and acceptable to show a sexual bias?
"let's face it, here in the USA, most people have mixed origins."

That is very true, however, most people identify themselves as one particular race. When the government comes out with consensus data, they don't have categories for 10% white, 20% white, 30% white, etc. You're either white or you're not.

So yes, race is quantifiable based on a person's identity and a general consensus.
I have no problem with a guy that has 5 DUI's getting charged higher rates. What I do have a problem with is being a male driver that has had no accidents but was forced to pay higher rates with the ASSUMPTION that I would get into accidents.

Obviously if you do the crime, you do the time. But insurance companies shouldn't punish innocent young men just because there's a possibility of something happening in the future.

And good driver discounts don't matter. I had that discount plus driver training discounts and it still was nowhere near the cost of insurance was for female drivers.

• ANSWER:
  Sex discrimination isn't allowed in ALL states, with auto insurance (or life insurance, even though women live longer). So that's on a state by state basis.

  Regarding discrimination in auto insurance rates, insurance companies decide how to discriminate, based on the claims data. So, the guy with 5 DUI's gets lumped in with all the other guys with 5 DUI's, and they look at the claims, compared to the guys with NO duis, and as long as there's a difference in claims, that discrimination is LEGAL.

  However, federal law currently prohibits ANY discrimination by ANYONE based on race, national origin, religion, etc. Additionally, insurance companies haven't compiled any data showing, as a group, that once race has on average more accidents than another race. Plus, race is very, very nebulous - after all, what you're talking about, is the color of someone's skin. You'd have to get a color card, and match up their skin tone, and then put them in a group that way? Because let's face it, here in the USA, most people have mixed origins.

  "Asians are bad drivers" - does that mean immigrants, or if your great great grandfather immigrated here from China, and you have no "asian" features, because of him you get those rates? It's pretty impossible to say.

  Don't forget - not all discrimination is wrong, or illegal. Yes, teenage boys have more accidents than anyone else. That's a FACT, proven by data - it's not ILLEGAL discrmination. And when you go out to a restaurant, and order a bacon cheeseburger, instead of liver and onions, well, YOU are practicing discrimination, too! That doesn't mean it's wrong, or illegal.

  These days, people "feel" more than think. The word "discrimination" has a lot of negative connotations - but most people lose sight of what it really means - picking one thing, instead of another thing, for ANY reason.

QUESTION:
Do you know of any auto insurance companies that don't base your rates on your credit report?
Due to an illness/ disability in our family, despite having health insurance, we still owe thousands in medical bills. Those that would not work with us turned them into collection. They now show on our credit report.

Despite being insured for both our auto insurance and our home insurance for 20+ year with the same insurance company, we got a notice saying our auto insurance had gone up hundreds of dollars per year based on a credit report they obtained. We have never had an accident, ticket, etc. and the amount automatically comes out of our checking each month. Plus, last year, prior to this, they switched us to a preferred group within the company and gave us a discount when we threatened to switch.

How can I find out which insurance companies base your insurance rates on your credit report and or score? Will they tell you outright? This is the first I have ever known that our company did this and was wondering if all of them do it, or do you just know about it when you get a notice like we did?

I get their reasoning but it seems like such a rip off when so many are in our boat- insured but with insurance that is starting to pay less and less and cost more. Plus, they have our checking account and if we were not to pay, they wouldn't be responsible for us if we had an accident anyway. Seems like a double whammy to me. Can anyone help?
I am in the state of Indiana. Previously they switched us to a preferred group by sending us a letter saying we qualified and the new lower rates. We went in and signed up and the new rates went into effect at renewal..until this latest renewal when they went even higher than our original rate they lowered.
Sorry ED, but American Family is who we have had for all these years and who is doing this credit report thing.

• ANSWER:
  Allstate or American Family are the most likely to ignore the credit (i don't work for them)..

QUESTION:
What bank does Liberty Mutual Group use in the state of MA?
I use Liberty Mutual for my auto insurance. My vehicle was recently declared a total total loss and they are sending out my insurance check today. Because i plan on purchasing a replacement vehicle by Friday I want to be sure that I can cash the check at a bank within MA (Bank of America, Citizens, Sovereign, etc. etc) vs an out of state bank which would more than likely take more than one business day to clear .

• ANSWER:
  THE ANSWER IS CHASE. I JUST CASHED ONE FROM THEM.

QUESTION:
Yea or Nay: eliminate medical portion of auto insurance?
[America] The medical portion of your personal auto insurance, plus most of the Uninsured/Underinsured coverage, could be eliminated if the government collected a larger tax on motor fuel instead.

This would have the effect of forcing those currently without auto insurance [said to be 18% of vehicles in my state] to pay at least something toward the cost of the accidents they cause [reported as 22% of accidents in my state].

Gas guzzlers, speeders, and overlarge tubs that are on the highways would likely pay more than others who drive the same mileage. It seems likely that people who drive a lot of miles would save as much on the insurance as they'd pay via the higher gas tax. Everyone who now buys these insurances but isn't one of these four groups would likely see their total costs go down.

Naturally, the government would pay the hospitals and medical people for the care rendered. This would eliminate their losses on charity care for auto accident victims. It would also prevent ordinary families from being forced into bankruptcy by unpaid medical bills caused by some other driver.

This proposal does not cover either "lost wages" or "pain and suffering" or "collision" -- victims would still sue the driver who causes the accident for these damages and could still purchase insurance to cover their vehicle and themselves for these risks.

My back of the envelope estimate for Florida alone is that auto insurance costs [payments to the insurance companies] would go down about billion a year and these funds would be paid directly to medical care providers without any "who's fault is it?" arguments and their related legal and paperwork costs.

IF further research demonstrated that the system could function as described, would you be in favor of doing this to eliminate this portion of auto insurance, or would you be opposed?

[why in favor or opposed would be helpful -- I'm trying to craft something here for the next session of the Legislature.]
added points:

naturally, the government will not pay medical care providers at their hugely bloated billing prices, but rather at something like what insurance companies currently pay.

Everyone is covered all the time. Fault does not enter into the picture. Commercial vehicles, due to weight and number of passengers, may be required to carry supplemental insurance for losses exceeding 0,000.

You may still sue for lost wages, damages to your vehicle and property, and pain and suffering.

Taxing drivers' licenses and/or vehicles at registration would not be nearly as effective since an estimated 9% of cars on the road are not being operated by a licensed driver and/or do not have valid registration.
Alex: your "elderly white lady" already pays extra -- first in UU insurance coverage and second in taxes to support the public hospital where the indigent auto accident cases without insurance are treated. The point of this is to force the uninsured drivers to pay.
Bubbles: please increase everyone's taxes to pay for the added police and courts and jails you want. Unfortunately, I wouldn't want to live in your imaginary country.
Dear Neo -- the other "solution" when an uninsured driver hits your car, or pulls a "Nike" a la Bubbles [below] is to shoot him. I'm sure that would be just fine with you.

• ANSWER:
  No, I think craft legislation requiring the enforcement of the immigration laws. Here the illegals drive with what we call "Nike" insurance. They hit your car and then run. So, we have to carry extra. I

  Additionally, legislation to improve the way insurance is proven. Geico gives insurance proof cards for a year. Even if you stop paying and the policy is not valid, you get a "good" card. This card can be shown at an accident, and the police don't consider this fraud.

  The laws we have are fine, they are just not enforced!

  Edit:

  Fabulous, so you want to enact "regressive" taxation? Don't know what that is, look it up. You asked for an opinion, and like most politicians, if you don't like the answer, spin. deny and accuse. If you want to raise the darn fuel tax, then put it towards enforcement of the laws that are already on the books. At least it would be correlative taxation.

QUESTION:
Auto Insurance Addition? All State?
I'll be 16 next year. I'm getting a used 2008 Ford f150 fx2 sport. My parents have a good insurance plan. everything is grouped together. the two cars house etc. if my parents and i are very good drivers about how much will the insurance cost for me if I'm added to the plan

Thanks

• ANSWER:
  You'll get the multi-car discounts--10 to 15 percent--by going on your parents'policy, but it will still be steep because you're 16. If the truck is finainced, you'll also have to pay physical damage premiums (comp and collision), and those will be simply horrendous, no two ways about it.

  You may have your heart set on the F150, but it will cost you. When you see the likely premiums, you might change your mind!

  You need to call your parents' agent and ask what they'll be.

QUESTION:
Car Insurance?
Which insurance company do you have that has given you really cheap rates?

I'm 22 yrs old, anyone around my age group with cheap auto insurance?

• ANSWER:
  Anyone that gives you a definitive answer to your question is an idiot. Every insurance company weighs certain factors differently. The most important are your age, driving record, your zip code, your credit and the vehicle you are insuring. There is no "one" company that is cheapest in general. You you will have to go online and get tons of quotes until you find the lowest one for you and your situation. Look for some insurance brokers and let them shop for you. Shop around some every 6 months or so to make sure you are still getting the best rates.

QUESTION:
Why is my insurance so expensive?
I am looking to buy an hyundai coupe 1.6 auto and I am wondering why all my insurance quotes are so expensive. These are my details.

18 years old
0 NCB
Full Licence held for 8 months
Only need up to 4000 miles a year
car is worth £2000
Will use it for Leisure and commuting
Only need Third Party Fire Theft
Live in the South east, in east sussex

I have been speaking to a few people who own these also and they are getting much cheaper quoted than I am getting and they need more than me like they have a 2 litre, 10,000 miles, newer model car like 2002, car is worth more.

As an example a person I have been talking to is also 18 and he has got a 2002, 2 litre and his car is worth £6500 and he has a quote for £1000 and that is fully comp. This is a group 10 insurance car.

I am 18, I am looking at a 1997 1.6 which is worth £2000 and my quote is £2400 from the same company and mine is a group 9 insurance.

I can't seem to figure out why my quote is way above theirs.
The car will be garaged, I don't have any claims or convictions, I just don't understand how a person with similar circumstances to me but has a bigger engine, needs more annual mileage, fully comp cover and their car is worth 3 times what mine is worth can get insurance cheaper than me and much cheaper at that. Even if I do live in a more risky area ( I don't know if I do or not ) surely I should still be getting somewhere near their quote seeing as though I have am the same age, older car, not worth as much, only need Third party fire and theft. I require much less and am getting quoted £1400 more than them now surely I can't be paying that just for my area. If anyone is in the insurance business and knows what could be wrong I would like to hear from you.

• ANSWER:
  A big reason is your age, but could also be where you live, as maybe car crime is high in the region?

  Try www.confused.com to search for the cheapest quote online. It's really good, and i managed to get £80 off my car insurance renewal quote! Good luck.

QUESTION:
How do you think a stereotype develops?It develops when u see a pattern from a partcular group.?
I think stereotypes have truth to them. The stereotype that asians are good at math would probably be more truthful than not cause its common to see that they are.Or the stereotype that they cant drive good probably developed from the high number of auto insurance claims by asian people compared to other races.So i believe stereotypes hold a lot of truth.

• ANSWER:
  I think you're missing a fundamental distinction between generalization and stereotype. A generalization is like saying that Canadians like hockey. A stereotype is like telling me that just because I'm Canadian, I have to like hockey (I do, but that's beside the point).

  Generalizations sometimes exist for a reason. Stereotypes only exist because people are too lazy to get to know a person out before applying a label to them.

QUESTION:
I need to come up with a funny work group name?
I work as an insurance salesman (auto and home) and have to name my little group. I want something humorous. Any suggestions?

• ANSWER:
  insured success, premium builders, the dream team, driven for success,

QUESTION:
Financial responsability in California (auto insurance) ticket.?
So I was recently given a citation during a trip to Northern California. Here's the condensed version; I went out with a group of friends to have dinner and drinks. It was about 10 people altogether, three car loads. I was originally not one of the drivers (I flew in from Southern California). Several of my friends/acquiantances drank heavily during dinner. I was asked as a favor to drive one of the car and the car owner's home. The car I drove belonged to my good friend's neighbor. I received a speeding ticket during the drive to the neighbor's home (73 in a 65) PLUS no insurance!!! I informed the officer that it was not my car and that it belonged to the passed out lady in the back but he didn't care and decided to write me the ticket anyway. Now I've been told that I will have to pay for it (8) plus my speeding ticket. I spoke with my good friend about it but the neighbor now refuses to go to court with me or write a letter at the least explaining the scenario.
my question is, can I really be held responsible for fifancial responsibility on a car that is not even mine? How many people in my situation would even think to make sure the car was insured?

• ANSWER:
  First, both Don B and Mikeysco are correct regarding the fine. The statewide schedule calls for a base fine of 0, but with various assessments which are added to every fine the total is 0. Like Mikeysco, I am not sure what your question is. However, I would note that if you WERE, in fact, insured, this charge will be dismissed. Even if you do not have insurance yourself, you may have been covered by the owner's insurance policy. You need to take proof of that to court. (See Vehicle Code section 16028, subdivision (e).)

  If you do not have insurance, you certainly should NOT drive a car without making sure that you are covered under the owner's policy, not only to comply with the law, but to save yourself financial devastation should there be an accident.

  BTW, people seem to think there is something "magic" about pleading "no contest." There is not. It is exactly the same as a guilty plea. The only effect is that such a plea (except in a felony case) cannot be used against you in any civil litigation. Since there will be no civil litigation, such a plea would be meaningless.

  ADD: Let's put it this way. If you are driving a car which is not yours and you run into somebody, can they sue you, instead of the vehicle's owner? Of course they can. They are entitled to be protected against financial loss no matter who is driving--whether you are driving somebody else's car or your own, there must be insurance in effect. This does not have to be your OWN insurance, however, if you are covered by the OWNER'S insurance.

QUESTION:
Professional insurance- E&O etc?
How often are each of these insurances paid?
And how much might they cost for a 3 person partnership in a landscape architecture firm with around 10 employees making 0,000 - 0,000 a year?

Thank you for any insight you can offer!

-General Liability Insurance
-Commercial Auto Insurance
-Commercial Property Insurance
-Professional Liability (E&O) Insurance
-Commercial Crime Insurance

-Group Health Insurance
-Group Life Insurance
-Group Disability Insurance
-401K/Retirement Plans
-Key Man Life Insurance
-Key Man Disability Insurance

• ANSWER:
  Once upon a time, you could buy a 3 year E&O policy for some low-hazard professions, but I don't know of any company offering that any more - you have to buy it one year at a time.

  Regarding getting those quotes, you don't give anywhere NEAR enough information, for even a ballpark.

QUESTION:
Geico is trying to base their auto insurance rates based upon a persons education. what do you think?
The statistics are as follow 80% of whites in the U.S. have a four year college degree compared to the minority groups. Blacks are at 6%,Asians at 7% and only 4% of Latino's or Hispanics.
What a Blatant attack of discrimination. It is obvious that Geico has to know these statistics. Why should I have to pay more for the exact same service as my white counterpart?
I guess morgorond I did not mean my white counterpart in that sense. What I meant was as my equal. Because we all are. Per the U.S. Constitution.

• ANSWER:
  I think it's stretching it a bit to assume that higher education makes safer, better drivers. There's NO automatic guarantee of that, after all. You're right. It's discrimination, and a particularly ignorant one at that.

  You show 'em! Get your insurance from another carrier and be sure to write and tell Geico exactly what you did and why!

QUESTION:
Why not offer Medical Insurance like Car Insurance.....?
I know this is long but please bear with me.

Rather than set up a separate government run medical insurance or expansion of medicare to the general public....One criticism of government care is that it will be in direct competition with existing providers. Ultimately siphoning insurance customers away from traditional plans and onto the rolls of govt care causing these providers to go out of business.

Here in Mass auto insurance companies MUST offer the same basic minimum coverage in order to do business in Mass. Everyone here must have at least the same basic level of insurance (both auto and medical) . You can go to any provider you choose and this basic minimum insurance level costs the same . If you want more insurance you can pay for additional coverage.

So why not have a similar program for medical insurance as part of a nation wide group policy. This group can be subsidized by the government but it would be managed by the existing insurance providers. (In other words if you want to be in the insurance business you must offer and support this minimum plan which would be a foundation for any other plan you offer) The govt pays the insurance company a flat rate to manage each person enrolled in the basic plan.
The more money the company saves (the better then manage the insurance) the more money they keep. However if that company provides poor management it will cost them. Either subscribers will change management companies if they feel they are getting a raw deal or wasteful management would not be payed for by the government.

One advantage I see here is that consumers would have an alternative providers to go to if they feel wronged by a particular management company. With a govt program like medicare your stuck with the one provider.

As they say One Choice is NO Choice....

If someone wants additional insurance they can buy additional coverage from any provider they choose. But No one could be denied coverage for the standardized basic plan. Since everyone is part of this national group policy the basic insurance is portable and independent of supplemental policy one may have. So if you change jobs or move to a different state you may loose the supplemental policy BUT your basic coverage remains intact. You merely transfer the company that provides the management services for the basic medical.

Insurance providers would get paid by the fed to manage the participants in the basic plan for each participant in the basic plan. this would put market forces into play for the insurance providers to make money by attracting additional participants through better service or offerings. COunter to this is if the consumer gets crappy management services they can transfer to any other insurance provider.

• ANSWER:
  This is an idea that should be looked at very carefully by the congress before it starts trying to reinvent the wheel.

QUESTION:
How can it be explained that forming a "high-risk" group under Obamacare is not exclusionary?
Healthcare reform was supposed to cover ALL citizens (and residents). Healthcare reform was supposed to help those that NEED IT THE MOST. How is having a high-risk pool any different than the discriminatory practices insurance companies now practice in many states for auto and health insurance? If there is no difference, then is Obamacare backed by insurance companies?

• ANSWER:
  "Health Care Reform" has nothing really to do with actual health care and darned little to do with insurance. [[Well, except for eventually pseudo-nationalizing insurance companies by morphing them into public utilities. That's why no "public option" is needed. Insurance companies will be regulated into finding some way to handle everyone, in accordance with government dictates.]] [[That's not Fascism, is it?]] It is a control mechanism. Essentially "water empire" in which government has a choke-point of control over the population. Just as the baby boomers are entering the realm of medicine and retiring into Social Security, government achieves total control over the means to continue living.

  Did you notice the sections in the bill having to do with government having real-time TOTAL information about your financial state, so as to determine what services will be rendered, by whom and how to spread the costs? Right there at the medical facility, while you're standing there bleeding some computer will decide your future, based on algorithms established by Tom Daschle.
  http://thepeoplescube.com/red/viewtopic.php?p=55369
  http://forum.prisonplanet.com/index.php?topic=85273.0

  So much for the land of the free and the home of the brave. It was nice while it lasted.
  The mythical Ben Cartwright of Bonanza was the last free man in America, it's been downhill since.

QUESTION:
Is there such a car - group 1 insurance BUT is an automatic?
I have no idea about cars....Im finding it hard to use the clutch from being stationary (just cant seem to move off quick enough!) and was wondering if there was a little cheap auto car out there for me
i haven't passed yet- just would like o know whats out there so i can save etc.. Changing gears, manouvers and all that jazz - Im fine - just cant seen to find the bite qiuck enough to move from a red light or entering a round-a-bout etc

• ANSWER:
  yep try mini auto or small peougeot 206 auto.
  but really , if you cant use your clutch well how did you pass your test ?
  are you sure you passed yet?

QUESTION:
Rather than a national heathcare program, why not just make heathcare insurance mandatory?
When I first start driving a car, auto insurance wasn't mandatory. Guess what? Most people didn't buy it, and policies were expensive as a result.
When the state passed a bill requiring auto insurance, the free market drove the price of insurance down.
The same would happen with health insurance. Most people who don't have health insurance are young and healthy. They feel they don't need it. But, at some point in life, they will. It makes sense that these people should help support a system that they will need at some point in there life.
If everyone was required to get health insurance, insurance companies would be falling all over themselves offering low cost policies to healthy young people. This profit base would ease the cost across all age groups.
Rather than create a monster, a massive government agency, why not try mandatory insurance first?
Poverty level people already get free healthcare.
A tax system to pay for healthcare will drive the price up not down. Requiring everyone to buy insurance is the same effect as creating a national program without the cost of a bureaucracy.

• ANSWER:
  There are many at such a poverty level that they can't afford insurance. The homeless, the mentally and physically challenged, and yes, even those who abuse the system are still humans.

QUESTION:
What are the laws regarding insurance settlements?
I need to know the name of the law or group of laws pertaining to the maximum and minimum alllowable payouts to someone making a claim against another person's insurance / policy. This is in regards to an auto accident in the state of Mississippi if that helps.

• ANSWER:
  Its based on the terms of the policy, not state law.

QUESTION:
Help! I'm looking for good costume ideas for me and 7 co-workers. Does anyone have any ideas for us as group?
It has to be appropriate for work. We work in Auto & Home Insurance. Themes/TV/etc... just looking for the best idea for 8 people to do as a group. We were leaning to the Goonies but I think it is a pretty dull theme. So anyway I appreciate your help!!

• ANSWER:
  little bo peep, little boy blue, a wolf and a bunch of sheep.
  wizard,lion, tin man, dorothy, witch good, witch bad, and a couple of winged monkeys.
  Manager is willy wonka and the rest are oompa loompas.

QUESTION:
Is this a good offer to accept for a new insurance sales position?
We are please to offer you the following position:
Individual Insurance Sales Consultant;
Your job will consist of the following:
· Sales of personal insurance including but not limited to
o Auto-Home-Umbrella- insurance
o Life Insurance
o Investments
o Individual Health Insurance
· You will be required to quote and process the entire application from start to finish on all new sales.
· Servicing of the account will be completed by account reps.
· Develop and market new ways to sell personal insurance products
o Internet
o Working with our insurance companies on marketing programs
o Referral programs with:
§ Car Dealers
§ Realtors
§ Direct Writers
§ Email Advertising
§ Internet quoting
· You will also be working with producers who focus in other areas of insurance.
· You will contact existing customers to go over their financial needs including but not limited to life insurance and investment planning.

Compensation:
1. Base salary of ,000 per year
2. Bonus after you exceed ,000 in earned commissions based on the following:
a. 50% first year commission on personal lines insurance. ( auto-home-umbrella etc.)
b. 50% commission on all life insurance you sell on new accounts to the agency or existing house accounts.
c. You will be splitting commissions with the producers that you give you personal lines leads
d. 20% referral commission new and renewal for all other lines including
i. Commercial Insurance
ii. Group Benefits
3. You will receive the standard employee benefit program
a. Employee health insurance. Company picks up about 85% of the cost
b. 401 K program
c. Optional dental

• ANSWER:
  It sounds like a fair offer, if insurance sales is what you want to do. It's a tough business!

QUESTION:
Will car insurance be regulated next like Canada?
They have a government group called ICBC that dictates what auto insurance carriers may pay out; everything thing goes through the government. My friend was in a very bad accident and has been waiting more than a year 1/2 to get even 5,000 for a major back injury with two doctors (1 american 1 canadian) on board proving she has to change her entire field of work and will have pain for teh rest of her life.

Isn't it easier to argue with an insurance rep than a government buereaucrat sitting behind that phone?

What are your thoughts? Will this regulation be next??

• ANSWER:
  I seriously doubt it. Insurance is managed per state. Each state has an Commissioner of Insurance and the Board of Insurance that regulates who can sell auto and home insurance in each state, what is required for coverage amounts, and they even work with your states DMV to keep rates competitive based on the area that you live in. If you live in a major city but you live downtown, your rates may be less than say someone that lives in the suburbs, about 15 minutes from downtown, that must take the highway or main road into the city every day to work. Most rates are based per city and county and by the "law of averages" for each. This means that rates are based on the incidents within a given area, as I demonstrated above. Those that live in or around major roadways that are considered high traffic areas are most likely to have an accident which makes their premiums higher, where as someone that lives in a very rural area with very little traffic may have premiums at a third of the price. Yes, the state does make money, a minimal amount, on each policy written in that state and is a huge source of income for that state.
  Health care, on the other hand, can be regulated by the federal government based on their "federal regulations" on health mandates and federal and state laws that apply to those in the medical feild. It is only up to the state what companies are allowed to do business in that state. The universal health care reform takes away their control over kick backs and favoritism based on state based premium rates.
  If insurance was federally regulated, as it is in Canada, then yes, it would be easier to speak to a rep than a beaurocrat, but since Canada has the Universal healthcare system in place, your friend will still be able to have continued medical care without them paying more money for on going expenses unlike here in the states where the care continues based on the amount of your coverage limits allow, then after that, you would begin to sue the person directly. You also have to remember, insurance claims reps are trained to appease and take care of claims and bills, but they are restrained by the limits of coverage the client covered. To expect a "settlement" which this would be, your friend will be waiting for a little while longer because of her life long injury, the bills she has accrued, and the coverage limits the person had that caused the accident. I hope things do get better for her soon though.

QUESTION:
Does the Democratic Party understand the meaning of the word insurance?
INSURANCE A system to make large financial losses more affordable by pooling the risks of many individuals and business entities and transferring them to an insurance company or other large group in return for a premium.

Should we also be able to buy our auto insurance after we have the crash? I mean, it's the same thing as in health insurance. The crash is a pre-existing condition. Why not do that too?
hansblix- You give them insurance. DUH. Besides, the 30 mil number is over-inflated. It's more like 18 to 12 mil. Why overhaul the entire system for a few million?
Obama Hates America- How many people do you know who pay for auto insurance without having a car? I can think of no one, but then again I'm from the midwest and we don't like paying for stuff we don't need. Also, Obama deemed Health Insurance a right. He seems to get to decide here, apparently. You and I mean nothing. We are just deep pockets for which the Democratic party can reach in and pay for stuff they want. I agree govt. mandating we buy anything is unconstitutional.
lordfrig- Thank you for showing how ignorant you are of the situation. Typical liberal emotional crap. How come you are unable to argue my question? All you have is an emotional plea. Get your head out of your butt.
Blobby- Should Obama decide you have to own a car.........you don't have to have health insurance either. Previously, you were only hurting yourself if you didn't. Now, Obama writes the rules and you have to buy health insurance. My comparison is spot on my friend. It is comparing apples to apples, but I guess some people just can't handle logic. I feel so sad for you.....
atmosphere- Where do you get off telling me I have to pay for somebody elses health insurance? Huh? Maybe you should start paying my house payments? I guess the idea of insurance companies going out of business makes you happy? Now we can all go on the govt. healthcare plan? Try not to get sick, because we all know how well Medicare is working, huh? Get out from under your rock, my friend, and see the light!
Crimson- Are you really this ignorant?

• ANSWER:
  You are trying to be logical about a policy that is totally irrational.

  Obama care is nothing more than a power grab and a way to redistribute wealth to his political cronies.

QUESTION:
JM&A Group screwing us with gap insurance?
We purchased gap insurance with JM&A at the time of the auto purchase. Our vehicle was later totaled. We did not do anything to void the contract, such as refinance, and we went on the scavenger hunt of locating all the paperwork for them several times (they kept losing it). Now we get a letter in the mail saying that they will be crediting our financial institution with 5, even though we owe 85 on the vehicle. So apparently 0 is just not covered. We paid 0 originally for the coverage, and they aren't even providing up to that? I read the contract, and NOTHING is mentioned about exclusions.

Obviously I am going to call them Monday, but in the mean time I am very stressed out and would appreciate some advice/insight as to how this is even possible and what we can do.
No, we are only responsible for our deductible with the insurance company. Paying the original 0 is what got us the coverage. We did not agree to any additional deductible.

• ANSWER:

QUESTION:
What is the music video "Remind me" about by the group Royksopp?
The song is playing during the Geico Auto Insurance commercial when the cave man is walking on the walkway in a airport.

• ANSWER:
  i know the song, but i never seen the video....

QUESTION:
What say you Group supports illegal immigrant "driver cards"?
ALGOMA - A new push in the area toward allowing immigrants regardless of status to have "driver cards" - a limited purpose driver's license. The idea was part of the state budget plan last year, but was removed.

Thursday, a group that has tried to get the cards approved before held a forum in Kewaunee.

Allowing an illegal immigrant to get behind the wheel legally in Wisconsin is something Cindy Bruening would like to see.

"I think it will help make our roads and communities more safe," said Bruenig.

Bruenig represents Voces de la Frontera, and coordinates sessions like one held Thursday night in Algoma for the Coalition for Safe Roads.

"I think people will have access to education, to know the rules of the road," said Bruenig. "They'll have greater access to be able to get auto insurance in order to make sure that no one is having to pay greater costs for having uninsured drivers on the roads."

The legal status of immigrants is something federal, not local, law enforcement deals with. The Kewaunee County Sheriff likes the idea of "limited purpose" drivers licenses.

"All again we can do is deal with the reality of those persons traveling on our roads, operating on our roads, and do what we can to create once again that safe environment," said Sheriff Matt Joski, Kewaunee County. "We hope that maybe through this, this opens up the conversation and that sooner or later there will be an addressing of that bigger issue."

"I just can't understand what part of illegal don't people understand," said State Senator Alan Lasee, R - De Pere.

Lasee notes the issue is being raised a few weeks before an election. He also says the idea of driver cards "flies in the face" of people who immigrated legally.

"I'd be really cool toward the idea, only because if illegal aliens are illegal why then try to give them the appearance of a legal status by having a driver's card. That would be a bit troubling I would think," said Lasee.

Neither the senate nor the assembly will be considering the issue at least until the new legislature, elected next month, convenes in January.

The Coalition for Safe Roads is holding forums in Milwaukee, Madison, and Eau Claire in the next few weeks. After that, organizers say they will evaluate their next steps.

http://www.fox11online.com/dpp/news/local/lakeshore/group-supports-immigrant-%22driver-cards%22

• ANSWER:
  Just one more bill we CITIZEN tax payers will have to foot to support the poor ILLEGAL immigrant law breaker. I have a better idea, why don't we tell them we have a "driver card" and when they show up to get it, an ICE agent is standing there waiting to deport their @ss.

QUESTION:
What is the word for a group of people who put down another group no matter what?
In my country the USA we have a women who is very intelligent & has accomplished more than most ever will yet the republican party calls her stupid. The republican party listens to this programs that use brainwashing & the word teleprompter is a trigger word used everyday.
The rich greedy CEOs pay to have this people brainwashed. The lower class republicans don't even know they are the lower class. We had Joe the Plumber represent them. He was worried about millionaires while he is a dead beat Dad on gov. assistance & not at all a plumber. How can I tell this group of people they are being used by the people in their party that don't care about them. Meanwhile, they should be doing things to make their life better but they are not at all, Just complaining about the President not having a birth certificate while the President had to have a birth certificate to get as far as he has & I tell tthem since they are so capable they should do something instead of compliaining....so I need help so I don't have to explain all of this all time but I wish I could show them how they are being used by capitalist who don't want to compete with the government. They thing the democrats want socialism which is not true but some competition would be good to save on auto insurance & medical cost for example but I don't know a short way to say this, thank you!

• ANSWER:
  Misunderstanding. The unwillingness to live and let live.
  No one is right or wrong here. God is right overall! We are His Creation.
  He is the only one who matters. It is all about God, not us.
  Until we all come to this conclusion, there will always be misunderstandings, misconceptions and competition for power.

QUESTION:
finding minimal sample size for confidence level?
Suppose that we want to estimate the proportion of auto insurance claims for a certain group of drivers with the given confidence. Assuming that the proportion is entirely unknown, find the minimal sample size needed to achieve the accuracy level of (plus-minus) 3%.

-For the confidence level of 90% the minimal sample size is?

do I use 1.282 as the critical value? I got 456.534 as an answer but my homework won't accept it so i was wondering if anyone can check?

• ANSWER:
  Hello.

  The formula we need to use is:
  n = p-hat * (1 - p-hat) * (Z_alpha/2 / E )^2

  What is p-hat, since we assume the proportion is unknown? In cases like this, we "guess" that p-hat is 0.5, because this will maximize our sample size (and larger sample sizes provide more accurate estimates, generally).

  What is alpha/2? Our confidence is 90%, so alpha is 10% ---> alpha/2 = 5% = 0.05.
  Z_0.05 is 1.645, not 1.282 as you had used. We use alpha/2 because a confidence interval has 2 tails!

  Lastly, what is E? This is our accuracy level, so 3% or 0.03.

  Finally,
  n = 0.5 * (1 - 0.5) * ( 1.645 / 0.03 )^2
  n = 751.67

  We cannot have 0.67 parts of a person, so we must round up!
  Therefore, n=752.

QUESTION:
Paypal Chargeback help?
About a month ago I was looking on yahoo answers for questions about car insurance and I noticed two accounts where constantly mentioning Landa Insurance (www.landainsurance.com) and I looked into that company.

The website is obviously seedy and they take paypal, etc. I called the guy on his phone number (which i found out is a cell phone) and he provided me with temporary insurance cards and explained that he is an underwriter for Continental Group Insurance.

I paid 9 for the full coverage auto insurance.

After I got the final product i noticed these things are really, really poorly made so I started making phone calls to Continental Group.

End result CGI never sells car insurance, they've never heard of Landa Insurance, nor do they have an agent named Bob Warren, and the insurance policy I was sold matched a medicare supplement policy they issued.

First I called the local dallas police department where this guy was operating out of and filed a complaint, second I disputed it with paypal.

Paypal responded that they cannot guarantee virtual goods. I bounced several emails back and forth with them explaining it wasnt virtual but all I got was repetitive copy and paste emails talking about ebay.

So bottom line, I ordered a charge back on my mastercard.

Now today I get the email that they are looking into with the seller.

How is paypal going to react on this and how long until this is closed?

• ANSWER:
  You are protected under paypal. Since they were selling "insurance" I am sure your not the only customer they have scammed. The people who post on here are the ones running this scam... It could take paypal up to another 30 days if you do not keep on them. You need to call there customer service number and talk to a person. Keep doing this until you get results.

QUESTION:
trade groups?
what are the most popular trade groups that auto insurance companies are members of? do you think the insurers share information about how they calculate their rates with each other?

• ANSWER:
  Can't answer the first, but they do NOT share their rate calculations - or rate data factors - with each other.

QUESTION:
Health Insurance Reform by dolphin314etc -- What do You Think of My Plan?
Are these Fair Rules For Health Insurors?
1. You do not have to write a policy for anybody you don't want to write a policy for. You get to decide who you want to insure. If someone has a pre-existing condition, and you don't want to insure them, so be it, that's your call.

2. If you do insure someone's health, and they lose their health, you are responsible to step up and pay to the policy limits as they require such payments to restore their health or palliate their sufferring. You cannot wiggle out of making the payments or your license to write and sell health insurance will be withdrawn, and you will be closed.

3. If you are insuring a client for a given period, like a year, and they get sick during the time they are covered for, you cannot kick them off of their insurance at the end of the year just because they are sick. That's not a pre-existing condition -- it's a condition that arose after the policy was validly in force. It's part of the risk you bargained to take on.

4. You also can't jack their premiums up sky high just because they got sick while your policy was covering them. You may raise all the premiums for all the people in their insurance group or cohort of insureds. You may raise the sick person's premiums slightly more than the rest of the group. So if everyone in the group gets hit with a 10% rise, you can put a 20% rise on the sick persons. Just like auto insurors can put a small rise on your auto policy if you have an accident. This is called experience rating the premiums but it must be done with moderation in the individual cases, and proportionality in the cohorts or groups. It can't be done in a way that is predatory or gouging or that amounts to kicking them off their insurance. You bargain for the risk freely, but then you pay out honestly, and stick by the client loyally.

5. Compensation for executives at health insurance companies cannot be tied to net profits per year or per quarter. To allow this is to allow a direct conflict of interests between the insured clients and the decision making executives. The executives can gouge the clients to get bigger bonuses for themselves.
So executive bonuses, if they are allowed at all, should be for other aspects of company performance such as innovations successfully brought into existence, or perhaps morale among company employees, or perhaps satisfaction among insured clients, or perhaps vote of confidence by the doctors working with the company as providers -- there are 100 possibilities -- only one is prohibited -- you can't get bonuses tied to profits because to allow that is to allow you to gouge your bonus out of patient care -- high profits can always be achieved by providing lowest possible cost care, and that's not what insured clients bargained for when they signed a policy with you. They wanted the ordinary standard of care that doctors in USA provide --- not the cheapest possible care that you could dream up to get your million bonus check.
For mbrcatz:

OK you want a plan to bring down health care costs as well. Here it is. Get rid of the favorable tax treatment for employer provided health insurance. This is totally bogus. It started in 1941 as a war support measure and it is killing America today because once a service is cost free to the users it is way over-utilized. If your health care is free to you, you go see the doctor every month for every little thing and you get every cure and treatment -- there's no customer level rational filtering of what's sensible and what's not -- cause it's free!

Put 50 or 80 million customers like this into the national system and what you get is -- EVERYBODY has to pay TOP DOLLAR for ALL the healthcare.

The "lid's off" customers drive up the price because the market (or a real big chunk of it) will bear the high price.

New Rule: Employees get paychecks only. If they want health insurance they can buy it, alone or in groups, but it can't be a tax free part of their pay.

• ANSWER:
  1. This is the way it currently is with an individual policy. With a group policy currently they must cover, sometimes after a waiting period. The pre-existing condition clause is one part of the current system some people are trying to fight.

  2. They already must pay to policy limits. Sometimes they will try to deny claims but normally it is because it is not covered under that particular policy or the person lied on the application. People try to save premium dollars by getting a basic policy with many limitations and exclusions then cry because their plan doesn't cover what they need covered at that time.

  3. All states have regulations on the books already which do not allow ANY insurance company to cancel any policy unless the client does not pay the premium or they lied on the application. People who are saying that insurance companies drop people all the time do not understand insurance regulations. It just doesn't happen.

  4. Currently, you cannot increase the premium for anyone unless you increase it for the entire group.

  5. Profits on health insurance does not only come from the premiums. Less than 1% comes from premiums but the rest of the average 2.2% comes from interest on the reserves that the insurance companies must keep to pay future claims. In my opinion bonuses should come from performance.

QUESTION:
minimal sample size and margin of error?
Suppose that we want to estimate the proportion of auto insurance claims for a certain group of drivers with the given confidence. Assuming that the proportion is entirely unknown, find the minimal sample size needed to achieve the accuracy level of (plus-minus) 3%.

a) For the confidence level of 95% the minimal sample size is?

b) What is the largest margin of error for the confidence level of 95% if the sample of size 900 is analyzed?

kind of confused, can anyone help me start?

• ANSWER:
  The formula for margin of error of a proportion in a Normal distribution is: ME = ([critical value])(sqrt(p(1-p)/n)).

  a) We're going to solve for the minimal sample size. The proportion is entirely unknown, so we're going to use the worst-case scenario as a placeholder: 50%. The critical value for 95% confidence in a Normal distribution is approximately 1.96. We plug in the numbers:

  .03 = 1.96sqrt((.5)(.5)/n)

  Solving for n, we get 9604/9, or approximately 1067.11, rounded up to n = 1068 for our minimal sample size.

  b) Now we're just using the formula to get the margin of error. Again, using 50% as our worst-case scenario and 1.96 as our critical value:

  ME = 1.96sqrt((.5)(.5)/900)

  So our largest margin of error is +/-3.26667%.

QUESTION:
National health insurance proposal?
Health insurance like any insurance such as home, or auto insurance should be a personal policy not job related. Insurance by traditional definition is a sharing of risk. Uninsured Americans should be grouped as to insurable but uninsured , higher risk,  and poor.  The uninsured would be offered a pool by all insurance companies offering health insurance in the designated area  as a last resort with premiums averaging those of offered by insurance companies in the state or bi state region.  Higher risk would be pool insured also at a 10% higher premium. Poor or unemployed would be insured in a pool of the same insurance companies at heavily discounted  premiums say 10% depending on assets.
All premiums would rise some but this program would provide an American infrastructure to keep Americans healthy and functioning, spread the risk among insurance companies, and eliminate the need for tribal clinics, va hospitals and clinics, and state and local government clinics .  Eventually medicaid and medicare might be replaced  or privatized by this sharing of risk including disabled.
Insurance companies would be regulated to assure that expense to premium ratios were maintained at designated levels like 80% and that costs were not inflated of executives, company employees, contractors, and providers of medical services. Charges by providers exceeding state or regional comps would be reported to state and federal compliance officers.  Providers repeatedly violating and abusing charges would be de licensed, nationalized and imprisoned under due process.
This would likewise eliminate age discrimination and age related genocidal policies and programs in government and employment.
reply to mbrcatz17
its called the law of large numbers. Your reference is to a minority of experiences as opposed to the majority of Americans who have integrity and don't want to abuse the system. Pooling of large losses to 50 insurance firms gives each 1/50 th of the loss not the whole loss. My proposal is simple and will work. If you were in the high risk category due to genetics or environmentql exposure or preimmunization ages you would want some help too. I have used pooling in insuring other types of risk and it works and insurance companies recommended it and profited from it. Making every American a profit center is anti American and it isn't insurance. I have managed workmans comp programs, health programs, and retirement programs for corporations and corporate greed and executive bonuses are the only thing standing in the way of equitable pro American programs besides political contributions to both parties.

• ANSWER:
  Please explain to me, how an insurance company can make money paying out ,000 a month in medical bills, while taking in 0 a month in premium. That's what you're proposing.

  What's going to happen, is that all the super high risk people will RUSH to get this policy, and the regular, insurable people will continue to pay 0 a month for their private policies.

  All premiums would rise. Yep. A LOT. Like, they would Quadruple. You have to take in enough to pay out, PLUS ADMIN COSTS.

  Expense to premium ratios aren't 80% right now. For a really, really profitable company, it's closer to 95%. MOST run closer to 105%.

  Age discriniation, sigh. The fact of the matter is, unless you want to pay CAR INSURANCE at the same rate as a 16 year old boy (yep, that's age discrimination too!) or LIFE INSURANCE at the same rate as a 90 year old man, PRICE COUNTS.

  Most people don't squawk about age discrimination when it counts FOR them, only AGAINST them.

  Just because it is DISCRIMINATION does NOT Mean it's unfair. It's FAIR, just like using number of DUI's on your record, to affect your auto insurance rates. THAT'S discrimination, too.

QUESTION:
Is your car safe and have you ever had your car stolen...? Do you believe the following stats...?
Top Car Theft Cities: Las Vegas Leads the Nation

Insurance crime group reports that Western states
still lead the nation in car theft.

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Auto Insurance Quotes

Compare rates from top auto insurers. Buy online or over the phone. Save Hundreds.

Enter zip code:

By Peter Valdes-Dapena, CNNMoney.com staff writer

NEW YORK (April 24) -- Las Vegas has the highest rate of auto theft per capita of any metropolitan area in the country, according to data from the National Insurance Crime Bureau.

Western states still lead the nation in auto theft rates, according to the NICB. All of the top ten metro areas by per capita auto theft rates are in western states. Half of the top ten metro areas are in California.

Top ten metro areas by per capita auto theft rate:

Top ten metro areas by per capita auto theft rate
1.Las Vegas/Paradise, Nev.
2.Stockton, Calif
3.Visalia/Porterville, Calif.
4.Phoenix/Mesa/Scottsdale, Ariz.
5.Modesto, Calif.
6.Seattle/Tacoma/Bellevue, Wash.
7.Sacramento/Arden-Arcade/Roseville, Calif.
8.Fresno, Calif.
9.Yakima, Wash.
10. Tucson, Ariz.

Source: National Insurance Crime Bureau
(Link will open in a new window.)

• ANSWER:
  I drive a Chrysler.
  Let's just say a 10 year old with a toothpick can steal a Chrysler..

QUESTION:
Is there a Fair Way to Deal with Pre-Existing Conditions?
Insurance is a bet. It's like Atlantic City or Las Vegas or Monte Carlo. Everyone has always known that -- until today -- when suddenly everyone has completely forgotten this most basic truth.

After your house burns down, you can't get fire insurance for that house. The pile of cinders is considered a pre-existing condition that makes the insurace bet impossible or irrational for anyone to engage in. You can see that, right?

After you cause a 20 car pile-up on the freeway, you can't get driver's liability coverage for negligence. I wonder why not? Could it be that the huge pile of dead bodies and totalled cars is a "pre-existing condition" that would make it completely crazy for any auto liability insurance firm to offer you coverage that would compensate the victims of that accident which you have already caused and is in the newspapers.

So, now you arrive at the insurance company with a glioma in your brain and pancreatic cancer and you want to know, "Could I please have some health insurance?

They say no "You already have two pre-existing conditions that are mortal illnesses -- to insure you would be suicide for our insurance company!"

You say, Oh how unfair, I'm shocked -- shocked that rational decisions are being made in this office -- I'm going to write my Congressman -- and you do -- and his innumerate, aphasic, illiterate staffer opens you letter and says "Oh yes, look at the big unfairness that's been done to out poor dear darling constituent"

The staffer then takes an inflated pig's badder into the Congressman's office and strikes the Congressman on the lips with it, indicating that it's time for the Congressman to speak.

Then the one minutes speech is given -- Here's the Congressman blathering on with high moral indignation about his dear constituent who didn't get everything in this world they imagined they were entitled to.

E Pluribus Unum -- we've all become the same idiot now. Sew us all together like parts of a flag, one big idiot -- coast to coast -- sea to shining sea.

I have a heart condition -- which could result in a myocardial infarction, aka a heart attack (especially if people get me started, so don't). When I applied for my Blue Cross/Blue Shield they told me heart attacks or any heart disease of any kind or any treatment or diagnostic procedures for any heart related problems would be completely and totally excluded from my coverage for one year. After that, at the discretion of the insuror, if I had no heart problems during my probationary year, they would withdraw the exclusion provided I was willing to pay a small extra on my premium for the unrestricted coverage.

I said, "Fine, that seems totally fair."

Am I the only one who can see this? What was it just those four years of math in college, plus two more in business school that made me able to understand the idea of risk, and bets, and insurance?

No insuror in their right mind would voluntarily insure somebody would is going to bring the insuror a net loss for sure. Sometimes they will aloow such a person to be included in group insurance, if the premium for the group is big enough, and if the payouts for the sick person are small, predictable, and controllable. But that's group insurance. Obama Care is about individuals getting health insurance, many of whom will not arrive in groups, they will show up as individuals.

If they have pre-existing conditions, like I did, they should get a deal like mine, no better, no worse. Why do the specially pampered eyes on the prize people have to be carried through this world on extra soft pillows -- free housing, free food, free clothing, free heat, free edcuation, free everything -- and now the right to freely grab insurance that no regular person could claim a right to. Let them wait, like I did. You want Fraternity? How about some Equality? That means you don't get special pillows to carry you through life, even if brother Barack wants you to have them, and ACORN screams they are your God-given right.

• ANSWER:
  There is a large problem with that. Insurance policies are setup so that everyone gets a new one policy every dozen years or so. The price goes up every year as they encourage people to get new policies. If you have a life long preexisting condition that develops at 20 then you won't have insurance by 32.

  Then you are dead within a few years if you need regular treatment. It is not fair.

  I have a life long heart condition. Your deal won't work because I will never be without trouble. I had no choice but to drop my insurance that I had 4 year before my condition developed. It simply got too expensive after 13 years of paying it. I can't get any private insurance policy now.

  The problem isn't the condition, or someone's laziness. The problem is that insurance companies have arranged a guaranteed way to drop people with problems after a fixed number of years. If there wasn't a time limit on private insurance, there wouldn't be a large problem with preexisting conditions.

QUESTION:
I need to find high risk auto insurance asap. I've tried the most popular companies and i've been turned down?

• ANSWER:

QUESTION:
What causes an auto insurance company to be classified high risk/non preferred?
My Farmer's insurance agent switched me over to Bristol West to save me a few bucks each month. Bristol West did not have the greatest reviews online, but my agent assured me they were fine. Going through a windshield claim, and a week and a half after the initial call, they finally approved my claim. But still no appointment to get the windshield replaced. Not impressed with them at all.
Anywho, i called Allstate and American Family and they both said that i am now with a high risk/non preferred insurance company and that affects the quote i can get. They could not explain what puts an insurance company in this category. Any insurance agents or anybody out there that could explain that to me?
Thanx.
So i guess my question should be why my agent would switch me over to this company when i have a spotless driving record?????

• ANSWER:
  Well, it's not an "official" requirement list, but who the prior carrier is, DOES matter to the new carrier.

  Usually, a high risk/nonpreferred company, is one willing to:

  1. write an operator exclusion form
  2. file an SR22 with the state
  3. write an operator with a DUI, or more than two at fault accidents in three years, or more than three moving violations
  4. write an operator with no prior insurance (or lapse in coverage more than 30 days)
  5. write a policy with a credit score under 550 (number varies)
  6. write a policy on someone who's under 20, or over 70
  7. or, a prior carrier who is assigned risk auto in your state (or whatever your state calls it)

  A preferred insurance company won't DO any of the above things, and if you're with a nonstandard carrier now (due to rates or whatever), the first thing a preferred carrier underwriter will ask, is, what did you do, that you had to be on a non-standard policy, that you're not telling us.

  You're not going to get from a nonstandard carrier, to a preferred policy or super preferred, non stop - you'll have to have a standard policy with a preferred carrier for one year, at least, before they'll move you to preferred or super preferred rates.

QUESTION:
Why do auto insurance companies penalize when the person had a lapse in coverage?
I had to be without coverage for 6 months due to catastrophic financial situation but I already got my coverage back and the premium doubled. I have a clean license and no accidents ever, why would they consider me "high risk", its the only way premiums go up other than coverage changes. thanks

• ANSWER:
  If you do not have auto insurance coverage for 6 months, without a justifiable reason (i.e. out of the country for 6 months, etc.), then it could show insurance companies a few things:

  1. To an insurance company, it might suggest that this person is more of a risk-taker. Assuming you were not sick, out of the country etc., they might assume that you were driving around without insurance for 6 months and this suggests that you are a higher risk driver. (I do not know your individual situation, so this is not meant to pass judgment on you. Just merely saying what an insurance company will view this as.)

  2. It might suggest that you were recently involved in some type of accident and needed insurance coverage immediately to cover an accident. Believe it or not, this is known to happen. Sometimes people will try to get coverage immediately after an accident to try and get the accident covered.

  For the most part, they are going to consider you "high risk" because they are likely assuming that you drove your car for 6 months without insurance, which an insurance company views as risky behavior. Again, I am not passing judgment, this is just what insurance companies are going to say.

QUESTION:
Can you help me find a commercial auto insurance company?
I'm interested in starting a car rental company. The business model is fairly high risk, and I'm having trouble finding a company that will provide auto insurance. The company will be located in Orlando, FL. If you know of any resources I can look into please let me know. I have contacted GMAC and all the major companies like Statefarm, Nationwide, etc.
Thanks so much! Good information and advice. I really appreciate it.

• ANSWER:
  Look, your attorney, who you're hiring, has connections to find someone who can do this.

  See, the vast, vast majority of people who think about doing this, can't afford it.

  If you came to ME asking for a quote, I'd charge you a ,000 brokers fee for my time, because odds are very, very slim that you're going to go through with this - and, you're right, it's an extremely high risk business.

  Let's start with the cars. Physical damage on these cars, is going to be prohibitively expensive - three times the cost of the car. Car rental companies pay cash for the cars, they don't have car loans.

  Liability, will depend on the contract your lawyer has drawn up - and your loss control processes. But commercial auto policies for rental car companies, will have a DEDUCTIBLE on the liability section, usually a MINIMUM Of ,000. Even so, with that big fat deductible, you should budget ,000 per car, for EXCESS liability - that means, it doesn't cover AT ALL if the person driving is uninsured.

  You won't find a Standard company like STate Farm, Nationwide, Allstate, Farmers, to write this. Your coverage will either be through a nonadmitted carrier, or your state assigned risk pool - which I"m not sure Florida even HAS.

  You need an INDEPENDENT agent, specializing in transportation risks. You can find one, actually, you'll get a list, by typing your zip code in to www.iiaba.net, and start calling down the line. Most of them will think the same thing I think when I get these calls - it's just busy work and you'll never end up buying coverage. So don't be surprised if THEY want to charge a brokers fee to get the quote, also - refundable if you end up actually buying the insurance.

  It takes MILLIONS of dollars invested to start a car rental company. And the people who rent cars, trash cars - ALL THE TIME. Deliberately - vandalizing them on the inside. That's why there aren't very many of them.

QUESTION:
If Sexual Discrimination is allowed with auto insurance companies, why isn't Racial Discrimination allowed?
If statistics show that males are a high risk group and should be charged more for auto insurance, why aren't their studies done on certain racial groups to determine which ones are riskier drivers?

There are certain stereotypes that tend to ring true such as Asians being bad drivers. I'm half-asian and have seen this countless times. Why aren't Asians charged more for insurance? Is it because insurance companies are scared to show a racial bias? And yet for decades, it's normal and acceptable to show a sexual bias?
"let's face it, here in the USA, most people have mixed origins."

That is very true, however, most people identify themselves as one particular race. When the government comes out with consensus data, they don't have categories for 10% white, 20% white, 30% white, etc. You're either white or you're not.

So yes, race is quantifiable based on a person's identity and a general consensus.
I have no problem with a guy that has 5 DUI's getting charged higher rates. What I do have a problem with is being a male driver that has had no accidents but was forced to pay higher rates with the ASSUMPTION that I would get into accidents.

Obviously if you do the crime, you do the time. But insurance companies shouldn't punish innocent young men just because there's a possibility of something happening in the future.

And good driver discounts don't matter. I had that discount plus driver training discounts and it still was nowhere near the cost of insurance was for female drivers.

• ANSWER:
  Sex discrimination isn't allowed in ALL states, with auto insurance (or life insurance, even though women live longer). So that's on a state by state basis.

  Regarding discrimination in auto insurance rates, insurance companies decide how to discriminate, based on the claims data. So, the guy with 5 DUI's gets lumped in with all the other guys with 5 DUI's, and they look at the claims, compared to the guys with NO duis, and as long as there's a difference in claims, that discrimination is LEGAL.

  However, federal law currently prohibits ANY discrimination by ANYONE based on race, national origin, religion, etc. Additionally, insurance companies haven't compiled any data showing, as a group, that once race has on average more accidents than another race. Plus, race is very, very nebulous - after all, what you're talking about, is the color of someone's skin. You'd have to get a color card, and match up their skin tone, and then put them in a group that way? Because let's face it, here in the USA, most people have mixed origins.

  "Asians are bad drivers" - does that mean immigrants, or if your great great grandfather immigrated here from China, and you have no "asian" features, because of him you get those rates? It's pretty impossible to say.

  Don't forget - not all discrimination is wrong, or illegal. Yes, teenage boys have more accidents than anyone else. That's a FACT, proven by data - it's not ILLEGAL discrmination. And when you go out to a restaurant, and order a bacon cheeseburger, instead of liver and onions, well, YOU are practicing discrimination, too! That doesn't mean it's wrong, or illegal.

  These days, people "feel" more than think. The word "discrimination" has a lot of negative connotations - but most people lose sight of what it really means - picking one thing, instead of another thing, for ANY reason.

QUESTION:
How can it be explained that forming a "high-risk" group under Obamacare is not exclusionary?
Healthcare reform was supposed to cover ALL citizens (and residents). Healthcare reform was supposed to help those that NEED IT THE MOST. How is having a high-risk pool any different than the discriminatory practices insurance companies now practice in many states for auto and health insurance? If there is no difference, then is Obamacare backed by insurance companies?

• ANSWER:
  "Health Care Reform" has nothing really to do with actual health care and darned little to do with insurance. [[Well, except for eventually pseudo-nationalizing insurance companies by morphing them into public utilities. That's why no "public option" is needed. Insurance companies will be regulated into finding some way to handle everyone, in accordance with government dictates.]] [[That's not Fascism, is it?]] It is a control mechanism. Essentially "water empire" in which government has a choke-point of control over the population. Just as the baby boomers are entering the realm of medicine and retiring into Social Security, government achieves total control over the means to continue living.

  Did you notice the sections in the bill having to do with government having real-time TOTAL information about your financial state, so as to determine what services will be rendered, by whom and how to spread the costs? Right there at the medical facility, while you're standing there bleeding some computer will decide your future, based on algorithms established by Tom Daschle.
  http://thepeoplescube.com/red/viewtopic.php?p=55369
  http://forum.prisonplanet.com/index.php?topic=85273.0

  So much for the land of the free and the home of the brave. It was nice while it lasted.
  The mythical Ben Cartwright of Bonanza was the last free man in America, it's been downhill since.

QUESTION:
How do I become an admitted insurance broker?
What are the best insurance companies (Auto & Home primarily) out there? I would like to become an admitted agent. I have my broker’s license already. I have worked under an auto insurance co. for about 5 years, but would like to go into business on my own.
What are the good companies, Which companies have good compensation programs? I’ll be working in a good and high risk market, in Los Angeles area …anyone has done this, any suggestions?
Thank you in advance for all your assistance!

• ANSWER:
  You need to get a company to appoint you - and that's mostly through networking.

  Usually in your shoes, YOU don't get to choose from companies, you're more likely to have to take whoever will take you on. Progressive is a pretty easy one to get into, or any captive agent like State Farm, or Allstate, but then it narrows your options in the long run.

QUESTION:
National health insurance proposal?
Health insurance like any insurance such as home, or auto insurance should be a personal policy not job related. Insurance by traditional definition is a sharing of risk. Uninsured Americans should be grouped as to insurable but uninsured , higher risk,  and poor.  The uninsured would be offered a pool by all insurance companies offering health insurance in the designated area  as a last resort with premiums averaging those of offered by insurance companies in the state or bi state region.  Higher risk would be pool insured also at a 10% higher premium. Poor or unemployed would be insured in a pool of the same insurance companies at heavily discounted  premiums say 10% depending on assets.
All premiums would rise some but this program would provide an American infrastructure to keep Americans healthy and functioning, spread the risk among insurance companies, and eliminate the need for tribal clinics, va hospitals and clinics, and state and local government clinics .  Eventually medicaid and medicare might be replaced  or privatized by this sharing of risk including disabled.
Insurance companies would be regulated to assure that expense to premium ratios were maintained at designated levels like 80% and that costs were not inflated of executives, company employees, contractors, and providers of medical services. Charges by providers exceeding state or regional comps would be reported to state and federal compliance officers.  Providers repeatedly violating and abusing charges would be de licensed, nationalized and imprisoned under due process.
This would likewise eliminate age discrimination and age related genocidal policies and programs in government and employment.
reply to mbrcatz17
its called the law of large numbers. Your reference is to a minority of experiences as opposed to the majority of Americans who have integrity and don't want to abuse the system. Pooling of large losses to 50 insurance firms gives each 1/50 th of the loss not the whole loss. My proposal is simple and will work. If you were in the high risk category due to genetics or environmentql exposure or preimmunization ages you would want some help too. I have used pooling in insuring other types of risk and it works and insurance companies recommended it and profited from it. Making every American a profit center is anti American and it isn't insurance. I have managed workmans comp programs, health programs, and retirement programs for corporations and corporate greed and executive bonuses are the only thing standing in the way of equitable pro American programs besides political contributions to both parties.

• ANSWER:
  Please explain to me, how an insurance company can make money paying out ,000 a month in medical bills, while taking in 0 a month in premium. That's what you're proposing.

  What's going to happen, is that all the super high risk people will RUSH to get this policy, and the regular, insurable people will continue to pay 0 a month for their private policies.

  All premiums would rise. Yep. A LOT. Like, they would Quadruple. You have to take in enough to pay out, PLUS ADMIN COSTS.

  Expense to premium ratios aren't 80% right now. For a really, really profitable company, it's closer to 95%. MOST run closer to 105%.

  Age discriniation, sigh. The fact of the matter is, unless you want to pay CAR INSURANCE at the same rate as a 16 year old boy (yep, that's age discrimination too!) or LIFE INSURANCE at the same rate as a 90 year old man, PRICE COUNTS.

  Most people don't squawk about age discrimination when it counts FOR them, only AGAINST them.

  Just because it is DISCRIMINATION does NOT Mean it's unfair. It's FAIR, just like using number of DUI's on your record, to affect your auto insurance rates. THAT'S discrimination, too.

QUESTION:
Need somebody who can think like a Yahoo Answers moderator?
I answered a question here, and it was flagged. I thought the answer was good, and I couldn't see where it was against the community guidelines, so I appealed the flag. However, I ended up losing -- the Yahoo Answer moderator (not sure what they're really called) decided it was a solicitation. However, I can't see it. Do they think I'm soliciting on behalf of Google or Bing?

Here's the answer and their decision:

"Can you pay monthly vs. yearly or semi-annually? 00 per year, while it looks like a lot, is probably pretty decent given the situation. Actually -- that's 6 monthly (plus some fees if you actually pay monthly).. that's not bad at all, sorry to say, and I haven't been 18 for a long time... I paid much more than that. You should look into high risk auto insurance providers. I know that around here, they advertise on local TV all the time -- 'insurance for as low as ' -- while it's virtually impossible to get insurance that low, I was paying less with Titan Insurance than I was quoted for Allstate, Progressive, and State Farm (about ,000 yearly)... You won't get a rate anywhere near that, but these flat-rate, high risk providers tend to offer lower rates for high risk drivers than mainstream insurers do. To find a high risk insurance provider (broker, preferably) locally, search Google or Bing for 'high risk auto insurance' + state name + city name (or some variations without the quotes). For instance, if you live near Birmingham Alabama, search for 'high risk auto insurance birmingham al' or something like that. Google may be better as they tend to provide local listings alongside the web-based listings. Alternately, get a quote from every single insurance company that you can find. It'll take a lot of work, but if you use an online insurance broker (they help you get quotes from multiple insurance companies simultaneously), it'll save you some time. Good luck."

Violation Reason: Solicitation
Well, I always have lost my appeals... but on this one, I thought it was a helpful answer, so I tried to fight it.

Maybe it's not possible to win an appeal, then? That's quite ridiculous if that's the case.
It wasn't just the initial report, it was after my appeal and when the Yahoo Answers staff or their contractors decided this was a solicitation.

After the first answer here, I got to thinking about it -- I've appealed a small handful of flags since I started on here, and I've lost each appeal, though this is the only one that I can think of that told me which Community Guideline I violated.

It's just aggravating to put in a decent effort to answer a question to have some slow-wit with tenuous grasp on basic word meanings and context to say this as a solicitation.

In the grand scheme of things, this isn't a big deal... I just have little tolerance for incompetence... and it irritates me because their reasoning doesn't make any sense.
Riki - no offense meant, as you apparently have spent a great deal of time here -- but answers ARE suggestions. People are coming here to seek help -- suggestions -- and if suggestions are solicitations, nearly every single useful answer on this service is in violation of your version of the Community Guidelines.

It's absolutely ludicrous to even entertain the thought that a question and answers community prohibits users from giving others suggestions in their terms of service / rules.
Riki - I apologize -- in re-reading your answer a few times, I've come to the conclusion that you probably meant you were giving me a suggestion, not that you were suggesting that suggestions were solicitations.

Which, I would compare my poor interpretation to the deplorable job the moderators did with my appeal... but it's different as it's their 'job'. Though, again -- I apologize for my 'dimwittedness'.

I'm just going to drop it -- I've let this trivial thing consume too much of my energy today.

Thanks for all of your responses.

• ANSWER:
  Someone skimmed the answer and filed the report. I see nothing wrong with this answer as you are not saying 'Go with Titan Insurance'.

QUESTION:
Yea or Nay: eliminate medical portion of auto insurance?
[America] The medical portion of your personal auto insurance, plus most of the Uninsured/Underinsured coverage, could be eliminated if the government collected a larger tax on motor fuel instead.

This would have the effect of forcing those currently without auto insurance [said to be 18% of vehicles in my state] to pay at least something toward the cost of the accidents they cause [reported as 22% of accidents in my state].

Gas guzzlers, speeders, and overlarge tubs that are on the highways would likely pay more than others who drive the same mileage. It seems likely that people who drive a lot of miles would save as much on the insurance as they'd pay via the higher gas tax. Everyone who now buys these insurances but isn't one of these four groups would likely see their total costs go down.

Naturally, the government would pay the hospitals and medical people for the care rendered. This would eliminate their losses on charity care for auto accident victims. It would also prevent ordinary families from being forced into bankruptcy by unpaid medical bills caused by some other driver.

This proposal does not cover either "lost wages" or "pain and suffering" or "collision" -- victims would still sue the driver who causes the accident for these damages and could still purchase insurance to cover their vehicle and themselves for these risks.

My back of the envelope estimate for Florida alone is that auto insurance costs [payments to the insurance companies] would go down about billion a year and these funds would be paid directly to medical care providers without any "who's fault is it?" arguments and their related legal and paperwork costs.

IF further research demonstrated that the system could function as described, would you be in favor of doing this to eliminate this portion of auto insurance, or would you be opposed?

[why in favor or opposed would be helpful -- I'm trying to craft something here for the next session of the Legislature.]
added points:

naturally, the government will not pay medical care providers at their hugely bloated billing prices, but rather at something like what insurance companies currently pay.

Everyone is covered all the time. Fault does not enter into the picture. Commercial vehicles, due to weight and number of passengers, may be required to carry supplemental insurance for losses exceeding 0,000.

You may still sue for lost wages, damages to your vehicle and property, and pain and suffering.

Taxing drivers' licenses and/or vehicles at registration would not be nearly as effective since an estimated 9% of cars on the road are not being operated by a licensed driver and/or do not have valid registration.
Alex: your "elderly white lady" already pays extra -- first in UU insurance coverage and second in taxes to support the public hospital where the indigent auto accident cases without insurance are treated. The point of this is to force the uninsured drivers to pay.
Bubbles: please increase everyone's taxes to pay for the added police and courts and jails you want. Unfortunately, I wouldn't want to live in your imaginary country.
Dear Neo -- the other "solution" when an uninsured driver hits your car, or pulls a "Nike" a la Bubbles [below] is to shoot him. I'm sure that would be just fine with you.

• ANSWER:
  No, I think craft legislation requiring the enforcement of the immigration laws. Here the illegals drive with what we call "Nike" insurance. They hit your car and then run. So, we have to carry extra. I

  Additionally, legislation to improve the way insurance is proven. Geico gives insurance proof cards for a year. Even if you stop paying and the policy is not valid, you get a "good" card. This card can be shown at an accident, and the police don't consider this fraud.

  The laws we have are fine, they are just not enforced!

  Edit:

  Fabulous, so you want to enact "regressive" taxation? Don't know what that is, look it up. You asked for an opinion, and like most politicians, if you don't like the answer, spin. deny and accuse. If you want to raise the darn fuel tax, then put it towards enforcement of the laws that are already on the books. At least it would be correlative taxation.

QUESTION:
Why does a "Credit Rating" have anything to do with Auto insurance?
To be honest I don't feel that a persons credit rating have anything to do with car insurance. A quote should be an honest quote of what it cost per month and per year. Either you pay your car insurance or not. What risk is this to the Insurance company? It can be canceled by the company if payment is not made. The company doesn't pay for an accident that occur if the policy is not in force. There is no loss to them. What is the point of making someone pay a higher premium if they haven't had an accident nor was it their fault. This is unfair racking it in. Who made this policy to base it on your credit rating? The economy is in a depression right now so many people will have bad credit ratings and those who have fallen into this mess now will have higher payments and have never had an accident or it wasn't their fault. They are not responsible for the deficit we have today. All rates should depend on Make, Model and Year of your car. A Credit Rating has nothing to do with paying your monthly amount for coverage. Can you tell me why, if no accidents have been caused? It doesn't have a feasible answer to me.

• ANSWER:
  In a nutshell, (statistically) people who have a poor credit score are more likely to file a claim.

  Actuarial studies show that how a person manages his or her financial affairs, which is what an [insurance score] indicates, is a good predictor of insurance claims. Insurance scores, plus other factors such as age, driving record, make and model of your car, and how many insurance claims have been filed in the past, are used to help insurers differentiate between lower and higher insurance risks and thus charge a premium equal to the risk they are assuming.

  The goal of every insurance company is to correlate rates for insurance policies as closely as possible with the actual cost of claims. If insurers set rates too high they will lose market share to competitors who have more accurately matched rates to expected costs. If they set rates too low they will lose money.

  Some states ban the use of credit scores as a consideration. This might been seen as benefiting those in lower economic groups -- but others in the risk pool are subsidizing these people (from a statistical perspective).

QUESTION:
Why does ones Credit Rating have anything to do with Auto insurance?
To be honest I don't feel that a persons credit rating have anything to do with car insurance. A quote should be an honest quote of what it cost per month and per year. Either you pay your car insurance or not. What risk is this to the Insurance company? It can be canceled by the company if payment is not made. The company doesn't pay for an accident that occur if the policy is not in force. There is no loss to them. What is the point of making someone pay a higher premium if they haven't had an accident nor was it their fault. This is unfair racking it in. Who made this policy to base it on your credit rating? The economy is in a depression right now so many people will have bad credit ratings and those who have fallen into this mess now will have higher payments and have never had an accident or it wasn't their fault. They are not responsible for the deficit we have today. All rates should depend on Make, Model and Year of your car. A Credit Rating has nothing to do with paying your monthly amount for coverage. Can you tell me why, if no accidents have been caused?

• ANSWER:
  Insurance companies are in the business of insuring risk. There is a strong correlation between credit history and insurance risk, it may seem these are unrelated but people who make bad decisions in one area of their life tend to make bad choices in other areas also and are higher risk.

QUESTION:
Can someone explain the difference between Health Insurance and any other Insurance?
I don't understand why people act like health insurance is so radically differently than other insurance. Is it?

Insurance is a form of risk management to hedge against loss. Auto, Life, Homeowners, Unemployment and Health are among the types of insurance you can buy.

I'm generally not required to buy any of those insurances. If I have the title to my home, I'm not required to have homeowners insurance. If I don't drive a car, I'm not required to carry auto insurance. Why should I be forced to buy health insurance? If I want to take that or any gamble by not buying insurance, isn't that my choice?

I will admit that by not purchasing health insurance, I could be putting a burden on others if I was admitted to the ER and couldn't pay, that burden of payment would fall on others. HOWEVER, that burden would be there whether I was forced to carry insurance or not.

If I don't make enough money to buy this mandatory insurance, then the gov't will give me tax credits to purchase insurance. Who's paying for those tax credits? All of the tax payers.

So either we pay the providers/insurance companies via higher premiums to cover loss, or we pay the gov't via taxes. Forcing (perhaps unconstitutionally) citizens to purchase health insurance won't solve anything, it will just move where the cost is incurred.

But please, explain why people are treating health insurance so differently.
@nothingconstant: if I show up to the ER and I do not have health insurance or the ability to pay for the care, I cannot be turned away. The hospital will have to absorb the costs of providing my care.

However, those costs will be passed along to the people who do pay in the form of higher charges for services.

Therefore people who can/do pay will pay more to cover those who can't (which already occurs now)

• ANSWER:
  All of the other insurances that you mentioned are not necessities. Health insurance on the other hand is and that is the big difference. If you don't want car insurance then don't drive, if you don't want homeowners insurance then take the risk, if you don't want life insurance then don't buy it. But what about health insurance if you can't afford it then what die. Going to the ER is not health care it is preventing you from dying. They don't give you treatment for a chronic disease for example.

  Additionally there are problems even with people that have health insurance in that they refuse payment when people become ill. They deny payment even after years of paying premiums. This is grossly unfair, unethical and illegal. That is why we need to regulate and have a public option at the very least.

QUESTION:
How can I take checks by phone at my insurance agency?
My boss said lots of agents take payment from customers for auto insurance and we get a lot of cancellations, so he wants to accept emergency payments, or high risk accounts automatically and electronically. Does anyone know who does this? Not some credit card company, please - my boss is wicked thrifty ...

• ANSWER:
  Hi - You didn't say what agency you were from or what affiliations you had, but the easiest way to do this is to use stand alone software where no merchant account or credit card company is involved. This way, after you buy the software, you won't have monthly fees or per check charges.

  Software like CheckWriter software from checkwriter.net allows insurance agents to take checks by phone for the following reasons:

  1. Customer wants to call in a payment due today. [expiring auto policy, dwelling fire, life etc.]
  2. Customer needs insurance binder for property closing.
  3. Payment to write new coverage or rewrite coverage.
  4. Monthly payments on existing policy.

  Basically, once you get the customer's check information by phone, fax or through a website, you enter or import it into the software and print a physical draft of the check that you can deposit into the bank the same business day, with no fees.

  Because you have a physical item, it is treated just like a check. You can deposit the check, forward it to the insurance provider, or ACA the payment.

  All insurance agencies should offer this service, it drastically drops cancellations. You can call and ask for the payment and take it over the phone, or if they call you just take the information. It increases retention and increases new business.

  The software is around 0 and there are no annual fees or setup charges and no transaction fees like there are with so many ACH and Check Draft Providers. If you do 1,000 transactions per month, or 2 transactions in a month there are still no fees.

  Drafts are printed on Federal Reserve Regulation 'CC' Blank Check Stock which would be the only additional expense when using this type of system. A box of 500 would be about and you can get large quantities for 1/2 that price. You can use any laser or ink-jet printer and blank check stock is about 5 to 10 cents per check.

  If you are a Farmers Agent, Farmers Agency, State Farm Insurance Agent or Independent Insurance Agent listed on the Independent Insurance Agent's online finder, you can get special low group rates for the system.

QUESTION:
Insurance without Drivers License in Minnesota? HELP!?
My friend in Minnesota needs to take the Road Test to get their Driver's License and they need insurance BEFORE the Road Test.

They are new to the area and have absolutely no one to borrow a car from. All they have is their own vehicle, which is currently uninsured.

They are not a "high risk" driver and Minnesota is not asking them to get high risk/SR22 insurance. It's just they have not driven for a looooooong time and have had no insurance for years.

Some people say you CAN get auto insurance *prior to* a Driver's License, so that you can take the Road Test, but what companies do this?

So far, all the main ones I've checked, like Progressive, Geico, State Farm, etc do not.

Please help! Thanks!

• ANSWER:

QUESTION:
Are you aware that if you have bad credit you will pay more for your personal insurance?
Even if you are claim free and you pay your bill on time the reason insurance companies ask you for your ss# is because they do an insurance credit check and if you have a bad score you will pay more on your rates. The reasoning behind this is they assume that you will be a higher risk, you won't pay your bill or you will be late often.
I think it is a crock of crap myself. my credit isn't the worst but not the best by far but I pay my auto insurance every month and you better believe I pay MORE than some because my credit is bad.
I have written my insurance commissioner once about this but I didn't even get a response to the issue.
I am going to write and complain about this to all of my state reps and a suggest everyone else do the same. Some states are looking into outlawing this practice and i though Cali may have already but im not sure.
When I ask for auto insurance I believe I should be rated on my driving record #1 to determine what risk factor i am.
It does not make since to punish people because they have less. People who pay their insurance faithfully and havent ever had a claim get an insurance hike because the company does an annual credit check,finds their credit rate dropped so they get an almost 300 a year increase in their homeowners insurance

• ANSWER:
  Yes, and this isn't new - it's been this way, oh, maybe 15 years.

  However, you're wrong about the reasoning. See, the raw claims data shows people with lower credit scores, file more claims as a group, than people with higher scores - and, the claims tend to be more severe. There's been no study or attempt to put a "why" behind the data - so there IS no assumption. Just the fact, that the raw data proves a direct corrolation between credit score and future claims.

  Just like, 16 year olds pay more for car insurance, even if they are claim free and ticket free.

  People have been talking about outlawing this practice for 15 years - mostly, just the people with bad credit scores. It's even come to court a few times. The PROBLEM is, that the data is CONCLUSIVE. The lower the score, the higher the future claims, regardless of just about ANY other rating details.

  Credit score is a better predictor of future claims, than driving record.

QUESTION:
Auto Insurance Experts: How much will I be penalized for lapsed insurance due to non-payment (I'm unemployed)?
I have been without insurance for nearly a month now. I have been unemployed for 5 months, but I will start a new job next week! Yay! Since I will start working soon, I will be able to afford to pay again.

My car will also be paid off next month. I plan to go with a new company. (I do not have loyalty to the "current" company.) I used to have a well-known national company for years. When I first lapsed six months ago, my long-time company DOUBLED my monthly premium. I went for a low-budget, local company.

Will the new company force me to pay for the time I did not have insurance?

Or will I face a penalty?

Will they charge me a higher rate?

**Believe me, I know that I am taking a terrible risk driving around without insurance. I know that it is illegal...but I have been unemployed for 5 months, and have used the little money I had to pay rent, utilities, my car, groceries for me and 3 kids. I just had no other choice...

I just want to be prepared for fees, higher rates, penalties, etc.

Can you please give me some advice and suggestions on how to get myself back on track?

Thanks.

• ANSWER:
  No, the new company won't force you to pay for time you were uninsured. Yes, the premium is higher, when you have a lapse 30 days or more. No, it's not a fixed amount - it's usually a percentage factor, which can be applied a bunch of different ways.

  AND, your LENDER will force you to pay for insurance for the time you're without coverage - at a much higher rate. So if you're driving uninsured now, don't expect your car to be paid off next month - it could take 3-5 months more, with the forced placement charges.

  My best advice, is STAY OUT OF DEBT.

QUESTION:
Health Insurance Reform by dolphin314etc -- What do You Think of My Plan?
Are these Fair Rules For Health Insurors?
1. You do not have to write a policy for anybody you don't want to write a policy for. You get to decide who you want to insure. If someone has a pre-existing condition, and you don't want to insure them, so be it, that's your call.

2. If you do insure someone's health, and they lose their health, you are responsible to step up and pay to the policy limits as they require such payments to restore their health or palliate their sufferring. You cannot wiggle out of making the payments or your license to write and sell health insurance will be withdrawn, and you will be closed.

3. If you are insuring a client for a given period, like a year, and they get sick during the time they are covered for, you cannot kick them off of their insurance at the end of the year just because they are sick. That's not a pre-existing condition -- it's a condition that arose after the policy was validly in force. It's part of the risk you bargained to take on.

4. You also can't jack their premiums up sky high just because they got sick while your policy was covering them. You may raise all the premiums for all the people in their insurance group or cohort of insureds. You may raise the sick person's premiums slightly more than the rest of the group. So if everyone in the group gets hit with a 10% rise, you can put a 20% rise on the sick persons. Just like auto insurors can put a small rise on your auto policy if you have an accident. This is called experience rating the premiums but it must be done with moderation in the individual cases, and proportionality in the cohorts or groups. It can't be done in a way that is predatory or gouging or that amounts to kicking them off their insurance. You bargain for the risk freely, but then you pay out honestly, and stick by the client loyally.

5. Compensation for executives at health insurance companies cannot be tied to net profits per year or per quarter. To allow this is to allow a direct conflict of interests between the insured clients and the decision making executives. The executives can gouge the clients to get bigger bonuses for themselves.
So executive bonuses, if they are allowed at all, should be for other aspects of company performance such as innovations successfully brought into existence, or perhaps morale among company employees, or perhaps satisfaction among insured clients, or perhaps vote of confidence by the doctors working with the company as providers -- there are 100 possibilities -- only one is prohibited -- you can't get bonuses tied to profits because to allow that is to allow you to gouge your bonus out of patient care -- high profits can always be achieved by providing lowest possible cost care, and that's not what insured clients bargained for when they signed a policy with you. They wanted the ordinary standard of care that doctors in USA provide --- not the cheapest possible care that you could dream up to get your million bonus check.
For mbrcatz:

OK you want a plan to bring down health care costs as well. Here it is. Get rid of the favorable tax treatment for employer provided health insurance. This is totally bogus. It started in 1941 as a war support measure and it is killing America today because once a service is cost free to the users it is way over-utilized. If your health care is free to you, you go see the doctor every month for every little thing and you get every cure and treatment -- there's no customer level rational filtering of what's sensible and what's not -- cause it's free!

Put 50 or 80 million customers like this into the national system and what you get is -- EVERYBODY has to pay TOP DOLLAR for ALL the healthcare.

The "lid's off" customers drive up the price because the market (or a real big chunk of it) will bear the high price.

New Rule: Employees get paychecks only. If they want health insurance they can buy it, alone or in groups, but it can't be a tax free part of their pay.

• ANSWER:
  1. This is the way it currently is with an individual policy. With a group policy currently they must cover, sometimes after a waiting period. The pre-existing condition clause is one part of the current system some people are trying to fight.

  2. They already must pay to policy limits. Sometimes they will try to deny claims but normally it is because it is not covered under that particular policy or the person lied on the application. People try to save premium dollars by getting a basic policy with many limitations and exclusions then cry because their plan doesn't cover what they need covered at that time.

  3. All states have regulations on the books already which do not allow ANY insurance company to cancel any policy unless the client does not pay the premium or they lied on the application. People who are saying that insurance companies drop people all the time do not understand insurance regulations. It just doesn't happen.

  4. Currently, you cannot increase the premium for anyone unless you increase it for the entire group.

  5. Profits on health insurance does not only come from the premiums. Less than 1% comes from premiums but the rest of the average 2.2% comes from interest on the reserves that the insurance companies must keep to pay future claims. In my opinion bonuses should come from performance.

QUESTION:
After Health Care passes with public option will Conservatives look back and think they again they were wrong?
Conservatives are rallying against Health Care reform mainly because of the public option. The public option as planned will be a choice for anyone, it will be run entirely like a private insurance company but instead of profits going into CEO's pockets to buy mansion and private jets, it will be put back into system. There will be no public monies that will used to run this program.

It will not add to the deficit and it will make private insurance companies reform themselves in order to compete with the Government run plan. They will have to cut the 30 million dollar a year salaries and some of the current bureaucracy they use to weed out people that they do not want to insure and other high risk clients.

Both private insurance and public insurance will not be able to cut people from their plans for having used too much nor will they be able to say no to people with preexisting conditions.

Since this is a mandate like Auto Insurance many millions more people will be joining private insurance companies as well as the public insurance agency. The predicted enrollment is 95% to private insurers and 5% to the public option plan.

If this plan works as planned it will be a very good thing for America. Almost all people will be covered and many of these people will see a Doctor for the first time in their lives and get preventative care possibly preventing billions of dollars in money that otherwise might have gone to their care if they had not had preventative care. The Government estimate over time this alone will save 100's of billions.

Assuming all goes as planned what part of this sounds like a bad idea? Now in order to answer you are assuming this all runs as planned as it is the question.

If you automatically say this will not work and that this cannot work then there is no point in answering this now is there?
Now I am more confident than ever, the Russians are siding with the Conservatives, are the Conservatives siding with the Russians too?

PS I am 63. Old enough to know better than to listen to most Conservatives.

• ANSWER:
  To answer your question they will just attack it. They claim they just don't want government involved in our lives. They'll look back and say, "They won." So they'll attack any aspect of reform that they can. You silly. Basically, they don't want drug addicts who don't pay getting free or taxpayer subsidized health care. They don't want the poor getting cheap health care when everyone else has to pay. They don't want us paying for preventative care for people who need to visit the gym or quit smoking. Don't you know fool. study up on how white sharecroppers thought they were better that the black ones because the rich whites gave them only that dignity and it shaped the Republican party into the totalitarian, racist like party that it is.

QUESTION:
Why has no nation on Earth ever had a successful private, for-profit, universal health insurance system?
Attention, high school drop-outs! Free debating lessons here:
************************************************************************
Before answering the question above, please read my answer below. If you disagree with my facts and logic, please tell me why I am wrong. Then I will tell you why you are wrong. That is the way grownups do it. If you only want to type a sound bite, go away.
***********************************************************************
Profit-making is incompatible with the prevention and cure of sickness. Healing sick people is not a service in the same sense that fixing a car is a service.

The auto-repair industry serves its customers profitably in a free market for several reasons that do not apply to the health care industry:

1. The cost of an auto repair rarely exceeds 50% of the cost of acquiring an equivalent vehicle and is usually less than 5% of that cost.

The patient cannot acquire another body. The cost of an illness may exceed the combined cost of a buying a home and raising a family of university graduates.

2. Garages stay in business by making good decisions and providing good service.

Health care providers stay in business (retain their medical license) by conforming to industry standards. The health care industry (as opposed to the health care INSURANCE industry) does not want customers. They do not have to attract customers. There is no point in advertising for customers. The doctor regrets that the patient needs his help. The patient regrets being a patient.

3. Auto repair is based upon commodities: widely available parts, repair manuals, tools, and mechanics. Costs are well known and prices are regulated by competition

Health care equipment is highly technical and very expensive. Doctors are mostly specialists, often researchers with few students. They sometimes build their own equipment. The customer’s life may depend upon finding the right doctor. If that doctor does not have a contract with the patient’s private insurance company, the claim will be denied. (http://www.creators.com/liberal/froma-harrop/free-market-death-panels.html)

4. All drivers can afford to drive – until they can’t. If too many drivers can’t afford to drive, some garages may suffer or fail. It’s tough on the ex-drivers and ex-garage owners, but that’s the free market.

Patients must be served whether they can afford to pay or not. If they cannot pay, the cost must be shifted to others.

In particular, children and students cannot afford to pay for their own care. But they must receive the finest possible health care (and education) regardless of the wealth or poverty of their parents.

This requirement is enshrined in our Constitution’s Preamble which vows to “promote the general Welfare and to secure the Blessing of Liberty to ourselves and to our Posterity.” Posterity is our nation’s ONLY product. We MUST do it right. Spending large public funds on the postponement of death for a few very uncomfortable months is an irrational betrayal of our heritage and our national interest.

For the above reasons, universal health care costs can only be met by payments of deductible claims made through an insurance system financed by premiums that are subsidized for the poor. Costs are paid from the insurance pool. For statistical and administrative reasons, the larger the pool, the lower will be the premiums. The risk is spread over a larger population. That is why single-payer policies are the least expensive: everybody is in the same pool. This is a mathematical CERTAINTY.

Breaking the insurance pool into a hundred different pools adds important costs: financing, administrative, advertising, customer selection, claims denial, high executive salaries, and profits. These additional costs (over 25% of the total current cost and over 33% more than the single-payer costs) represent a “tax” paid to private insurance companies by all its customers with no benefit to the consumers.

The usual objection to single-payer is government inefficiency. And reduction of Medicare and Medicaid costs are part of the legislation before Congress. But the Veterans Administration provides excellent care to millions of veterans suffering a wide range of problems at a very reasonable cost compared to private industry.

Government rationing of health care is another objection. But, without exception, every private health care insurance company has a large building with an entire floor or two devoted to a department that does nothing else but ration health care. These claim deniers are answerable only to their highly paid management, not to Congress or to a State Legislature or to the voter. The only recourse to denial of a claim is to file a suit through the court system and pay the lawyer.

There are now insurance solutions approximating single-payer before Congress. They need your support.
General answers:

Success means that, with relatively few exceptions, everyone is served as well as possible within the available resources regardless of previous history or ability to pay. Of course, some will be served better or worse than others. It's the intent that counts.

We have two excellent VA hospitals in the Chicago area. I receive excellent service in my clinic. The brouhaha at Walter Reed was solved by firing a general. There are problems at all hospitals, VA or not.
Most of the VA problems arise from PTSD cases. No civilian hospital has that problem.

I can't believe how many high school drop-outs skipped reading my carefully thought out essay and just dropped a sound bite. That's rude. I begged you guys to go away.

For those who got ripped off at a garage, welcome to the free market. If you were treated that badly in a hospital, you might want to hold off on tort reform.
jwoody88: The USA has a private (not public), for profit, health insurance system. It is neither successful in economic terms nor universal. Many people, including me, have been very well served, whether private or public. I am on Medicare and have no complaints, nor have I ever heard a senior complain. The problem lies with those who are not served.
Texas Tre. The US Army, Navy, and Air Force are models of efficiency. Expensive, yes, but efficient in the sense that they do their best and are held accountable.

That is somewhat like the USSR, which could beat us into space but couldn't make bumaga (that's toilet paper).

The civil service people in our government are excellent. The problem is the guys like Brownie, who did a hekkova job at Katrina. Bush tried to run Iraq with born-again Christians just out of Bob Jones college. He tried to replace federal attorneys from the same source, which is getting Karl Rove into trouble now.

• ANSWER:
  As you say, it is because of the unique situation regarding health care. In the United State between the health insurance industry, the pharmaceutical industry, and the food industry there seems to be three-headed monster that has a goal to keep the populous in ill-health. The result is that we have a health care system that is more reactive to sickness rather than proactive in promoting wellness (which would mean a whole lot less profit for all three of those industries).

  And to your answer . . . very well thought out. I am indeed in favor of a sinlge payer VA-like system.

QUESTION:
What do you think about the loss of privacy, like medical records, in America?
With medical records now going basically onto the internet for all other doctors to see, now we find out that these records are made, probably sold, to insurance companies, large corporations for screening employees who are high health risk which means more cost for insurance, and even law enforcement monitoring programs. I have seen the commercials, with the patient sitting there in an theater setting and doctors standing up exlaining what he had done in the past, but it wasn't until a friend of mine who got laid off in the recession suddenly couldn't get a job. Not only the job, but her auto insurance went up 40%, she couldn't get approval on a car loan, and so finally she started digging. Tracing it back to the source she was shocked to find out it was *****'s Pharmacy. Apparently they misread a prescription and filled Methadone, billed her insurance, but then caught the mistake and filled the correct medications without changing the insurance billing. That set the stage for her being labeled a Heroin addict.

Anyone else experiencing things like this?

What's your opinion about doctor's offices and hospitals putting your medical records out on the "secure" web for any others to see?
Here's a commercial http://www.ge.com/audio_video/ge/advertising/doctors.html
One only needs to google the subject for 15 minutes to find news articles about how electronic records are being used by insurance companies, corporations, and even banks. I am amazed that there are people who side with electronic records being used for job applications, or affecting credit scores due to lowering of limits when they find out someone gets diagnosed with a disease, because they know they will use the credit card to make payments to try to save their life. I just wonder how they will feel one day when their doctor says "hmmm...your blood pressure looks a little high", or "I suspect you have started smoking...... sure would be a shame if you couldn't get a mortgage due to your credit score. Perhaps I could give you a prescription for xtortusum, and samples of embarazine?" Seriously, do you not think a simple checkmark on smoker won't cancel life insurance, hike their rates by a corrupt or disgruntled doctor?

• ANSWER:
  Read up on HIPPA and you'll see why there is nothing to worry about.

  http://www.hhs.gov/ocr/privacy/

QUESTION:
Why did this insurance agent try to push me into buying an expensive alarm system I don't need?
I just bought a homeowner's insurance policy for a house my husband and I just purchased. I bought our policy over the phone from a well respected company I will not mention because of their good service overall. The agent I dealt with was absolutely insistent that my husband and I install a monitored home security system in our house because we would get (a rather paltry) discount on our policy. I tried to explain to the rep that paying for the system, including monitoring would never pay off even if we were robbed because we don't have many things someone would want to steal. Other than an off brand flat screen TV (that's chained with a lock under its base to a very heavy solid wood TV console and we're even thinking about attaching that to the floor joists), an inexpensive DVD player, a shelf of DVD's mostly bought from the bargain bin at Wal-Mart and a couple of cheap laptops (that don't even have Windows installed on them, we're Linux users) there's not much of value. She kept saying that what would we do if we were hit by ,000 in loss from a burglary. Including a motorcycle and 2 cars (all insured for theft); we would be lucky if everything we have to our name, other than the house is worth that much! Plus, we live in a rural area in Alabama with a low break-in rate; I checked county crime stats for the past 10 years and we're well below the national average. The nosy neighbors don't hurt either

In order to break into the house you would have to get through a standard door lock, two deadbolts on each solid core security grade entry door, various window locks and avoid setting off wireless threshold motion sensors on all exterior doors and windows that let off an ear drum bursting screech that would deafen anyone within 100 feet. I work from home so I'm literally in the house all day and anyone dumb enough to break in would run a pretty high risk of getting a .22 shoved in their face anyway. The rep was still insistent that we "needed" an alarm even after hearing all of that. I couldn't get it through her head that it doesn't and probably will never pay for me to own an alarm system.

She then started going over my auto policy and mentioned that it would be a wise idea to put a Lojack or Onstar system on my two vehicles because of another paltry discount! My husband and I own a 1992 Pontiac Bonneville and a 1999 Dodge Dakota pickup; which are probably the last vehicles anyone would want to steal.

She just didn't get it that some people live frugally and only buy what they actually need. She also seemed to take great offense when I told her that I thought it was dumb to spend 00 on an alarm system, plus monitoring fees to protect a few thousand dollars worth of stuff in a low crime area in a house thats already locked tighter than Fort Knox and practically under armed guard! My dad's obsessed with home defense so I learned how to use a gun when I was 14.

I'm 22 and this was by far the most annoying experience I've had in the whole home buying process! I would have hung up on her but I needed the insurance paperwork sent to my mortgage company before the end of the business day. The insurance company I'm using doesn't even have any connection to these other companies whatsoever! I don't get it. Is this woman completely crazy?

• ANSWER:
  she probably has a brother who sells the damn things, and gets a healthy kick back.

QUESTION:
What are your thoughts on this?
(1984) Hartford Accident & Insurance Company v. Insurance Commissioner
The PA Supreme Court rules that men and women must be charged the same rates for auto insurance in the state of Pennsylvania.

Your thoughts?

Look, I think it's FINE to charge different rates for different groups - if there's legitimate evidence to justify that their risk is higher.
BUT: It should apply to ALL industries.
If Men have to pay more for auto insurance because they drive less safe,
Then Women shouldn't complain about paying more for health insurance because they visit the doctor more often.

• ANSWER:
  I like your point of view on this. Yes, I agree with the court ruling but it only applies to PA. The point is that insurance rates are often skewed to generate profits not fairness.

QUESTION:
Canceling my car insurance?
I would like to cancel my car insurance, as it has become too expensive for me to afford. Now my car is financed and i have been paying my monthly payments for the loan taken out on the car.

Now if i cancel my car insurance, will the auto financing lender be notified that i canceled my insurance?

i heard that if i cancel my insurance, then the company financing my car may penalize me and they may repo my car due to high risk, is that possible?

by the by, i plan to cancel insurance and drive illegally lol, as i can not afford it.....many people in this country drive illegally so why cant i

• ANSWER:
  Yes, canceling your car insurance and driving without it is illegal, and I hope to God I don't see you on the road. Your lender WILL be notified because all lenders REQUIRE full insurance on the vehicle while they have a lien on it. Also when you cancel your insurance, your insurance provider will want to know who you've switched with to notify the lender. Driving without insurance on a car with a lien on it while its required can and most likely will trigger a repossession order for your failure to comply with the loan agreement.

QUESTION:
Need serious advice on an auto accident settlement, lawyer is giving vague answers to me, not really helpful..?
Had a very bad car accident summer of 2007. Have had shoulder surgery for a torn rotator cuff, have had surgery on each arm for nerve damage due to compression from impact onto steering wheel, still having neurological issues from 5 herniations in my cervical spine. C2, C3, C4, C5, C6 are all severely herniated, C4 and C5 are pinching into my spinal column and I am experiencing periodic numbness in my body, not loss of control of my body but just a pins and needles feeling in parts of my body from this herniation. I am going to have neck surgery because of this, surgery is set for march of this year...The driver that hit me ran a red light and sideswiped me. She is a highschool student that lives in her parents house...she is 18 and lives in her parents home because she was going to be a senior in highschool that fall....my lawyer called and told me he has recieved a call from the girls parents insurance company, whom she is insured with under her parents policy...they have a 50,000 policy...the insurance company have offered the full 50,000 and want her to settle. I asked the lawyer what my options were because I have such devistating injuries, can I go after their assets, or home owners insurance beings she was a driver under the parents and they dont have low insurance...they own a 430,000 dollar home, the father drives a 50,000 truck, the mother drives a new caddillac escalade, he owns a large trailer that hauls vehicles...the trailer is very valuable, over 20,000 dollar enclosed trailer. the lawyer says that I can get the 50,000 policy and cant go after homeowners but my question is, I am told that when a child of a parent is living in the home and driving, a parent should have an umbrella policy in case the child driving causes a devistating auto accident that results in severe injuries, so they cant lose their home....my lawyer seems really eager to settle this case and I haven't even had my neck surgery yet...he says my own insurance PIP that I have will cover all surgeries that I need and give me all the medical care that I still need until I fully recover, but I am very angry and extremely upset because my injuries are worth way more than 50,000 dollars minus the lawyers 1/3 fee...I have had several surgeries and I am going to have a fused neck because of surgery that is needed, and my neurological health is still at risk...I want to know my options, I am afraid to go to another lawyer to ask advice but I need to know what I should do so I don't screw myself out of compensation...I live in northern new jersey and I want to know if anyone knows what my options are....can I get the 50,000 off of their policy and then file a civil suit in court against them and go after all of their assets and when I win in court because she is found to be 100% negligent because she ran a redlight and hit my car at a high rate of speed 60 mph side impact...when I win would they be ordered to pay by a judge and all of their assets, including their home or whatever have a lein put against it??? I dont want to come across as a snake here but I am really in a bad position because I am permanately disabled from this accident and lost a career and a large part of my life as I knew it and I dont want to settle this out for peanuts....thanks..
just looked at all paperwork and girl that hit me was NOT 18...She was only 17 at the time of the accident. She was a 17 year old senior in highschool....I want to know if her being under 18 changes anything with the fact that she is a minor and still the responsibility of her parents....does this make my case better or does it stay the same..thanks

• ANSWER:
  I would say your lawyer is a sleaze -- some criminal lawyers often used to do this when they were paid from the public purse -- they told all of their clients to plead guilty. Until the system was changed, this way they got 10 clients to plead guilty in about 50 minutes and got 10 day's worth of fees for doing no real work.
  In this case, your lawyer is assessing that if he puts in more work, the settlement amount may go up, but his marginal return will be far lower for the amount of time he puts in.
  I can't say for sure though...
  it may legitimately be that there was no umbrella policy for the parent's insurance - definitely INSTRUCT your lawyer to have a look at the parent's policies and INSTRUCT him to explain everything. He works for you, even if he is on a contingency. If there is anything you don't understand, crawl up his ass until he has explained it properly and look at the documents yourself as he explains them.
  Also, I suspect you have, but if not, begin the court proceedings so the limitation period is saved.
  Best of luck.

  Re: going after parent's assets, I'm afraid that you can't do this unless you can prove they were negligent in some way. If the girl has any savings, though, you could go after those (and any value left in her car).
  ...but, although not legally required, If the parent's are loaded they will pay the excess rather than leave it on their daughter's record that she is a judgment debtor - if you take this to trial and win, that will follow her until bankruptcy or she's rich enough to pay you off from her own pocket but that could drag this out for years/decades.
  but yes, if your lawyer doesn't straighten up, consult someone else, even for a second opinion.

QUESTION:
Is there a Fair Way to Deal with Pre-Existing Conditions?
Insurance is a bet. It's like Atlantic City or Las Vegas or Monte Carlo. Everyone has always known that -- until today -- when suddenly everyone has completely forgotten this most basic truth.

After your house burns down, you can't get fire insurance for that house. The pile of cinders is considered a pre-existing condition that makes the insurace bet impossible or irrational for anyone to engage in. You can see that, right?

After you cause a 20 car pile-up on the freeway, you can't get driver's liability coverage for negligence. I wonder why not? Could it be that the huge pile of dead bodies and totalled cars is a "pre-existing condition" that would make it completely crazy for any auto liability insurance firm to offer you coverage that would compensate the victims of that accident which you have already caused and is in the newspapers.

So, now you arrive at the insurance company with a glioma in your brain and pancreatic cancer and you want to know, "Could I please have some health insurance?

They say no "You already have two pre-existing conditions that are mortal illnesses -- to insure you would be suicide for our insurance company!"

You say, Oh how unfair, I'm shocked -- shocked that rational decisions are being made in this office -- I'm going to write my Congressman -- and you do -- and his innumerate, aphasic, illiterate staffer opens you letter and says "Oh yes, look at the big unfairness that's been done to out poor dear darling constituent"

The staffer then takes an inflated pig's badder into the Congressman's office and strikes the Congressman on the lips with it, indicating that it's time for the Congressman to speak.

Then the one minutes speech is given -- Here's the Congressman blathering on with high moral indignation about his dear constituent who didn't get everything in this world they imagined they were entitled to.

E Pluribus Unum -- we've all become the same idiot now. Sew us all together like parts of a flag, one big idiot -- coast to coast -- sea to shining sea.

I have a heart condition -- which could result in a myocardial infarction, aka a heart attack (especially if people get me started, so don't). When I applied for my Blue Cross/Blue Shield they told me heart attacks or any heart disease of any kind or any treatment or diagnostic procedures for any heart related problems would be completely and totally excluded from my coverage for one year. After that, at the discretion of the insuror, if I had no heart problems during my probationary year, they would withdraw the exclusion provided I was willing to pay a small extra on my premium for the unrestricted coverage.

I said, "Fine, that seems totally fair."

Am I the only one who can see this? What was it just those four years of math in college, plus two more in business school that made me able to understand the idea of risk, and bets, and insurance?

No insuror in their right mind would voluntarily insure somebody would is going to bring the insuror a net loss for sure. Sometimes they will aloow such a person to be included in group insurance, if the premium for the group is big enough, and if the payouts for the sick person are small, predictable, and controllable. But that's group insurance. Obama Care is about individuals getting health insurance, many of whom will not arrive in groups, they will show up as individuals.

If they have pre-existing conditions, like I did, they should get a deal like mine, no better, no worse. Why do the specially pampered eyes on the prize people have to be carried through this world on extra soft pillows -- free housing, free food, free clothing, free heat, free edcuation, free everything -- and now the right to freely grab insurance that no regular person could claim a right to. Let them wait, like I did. You want Fraternity? How about some Equality? That means you don't get special pillows to carry you through life, even if brother Barack wants you to have them, and ACORN screams they are your God-given right.

• ANSWER:
  There is a large problem with that. Insurance policies are setup so that everyone gets a new one policy every dozen years or so. The price goes up every year as they encourage people to get new policies. If you have a life long preexisting condition that develops at 20 then you won't have insurance by 32.

  Then you are dead within a few years if you need regular treatment. It is not fair.

  I have a life long heart condition. Your deal won't work because I will never be without trouble. I had no choice but to drop my insurance that I had 4 year before my condition developed. It simply got too expensive after 13 years of paying it. I can't get any private insurance policy now.

  The problem isn't the condition, or someone's laziness. The problem is that insurance companies have arranged a guaranteed way to drop people with problems after a fixed number of years. If there wasn't a time limit on private insurance, there wouldn't be a large problem with preexisting conditions.

QUESTION:
Car accident was I stupid to settle?
I was in an auto accident the 25th of october, my neck and back was injured. A 17yr old kid decided to come flying out of a gas station acrross a double yellow line into my lane as I was going through an intersection, did not see him at all, I guess he figured he could make it. He admitted fault to the accident and there was witnesses. He totaled my 1997 cadillac, I took out a loan to get it and it was not paid off in full, and on top of all of it my husband has been laid off so I settled with the insurance company 2500.00 for pain and suffering and lost wages and medical until Jan 1 2009. I am starting to regret it. we needed the money, or all of our bills would have been shut off, phone electric, and not to mention our rent. I have had several people tell me that I should have gotten a lawyer and not settled, on top of all of it I did all of the work, not my insurance company and the kid that caused the accident was high risk insurance. Advice anyone.

• ANSWER:
  Well the thing is that you shouldn't have settled. You should have taken the kid to court and sued for damages. That was your right at the time. But now you can't go back and fix what you didn't do. You have to make a choice up front when you are in that kind of accident. To settle which is what you did, or to sue. In that case you choose to settle to get the money, but it backfired. If you had sued you would have received more money from the lawsuit because it sounds like he was at fault. The sad thing here is that you can't go back and undo the damage or the fact that you settled. Its far too late to sue after the case has been settled. The only thing you can do is learn a lesson from this and that is whenever you are in this type of an accident, sue the other driver. But make sure you do it if you know they are at fault and have caused major damage. I'm sorry for your losses and I hope that things get better for you.

QUESTION:
can auto insurer retaliate for filing a PIP claim. can they notify other insurers that you filed a claim?
i was a passenger in a automobile accident and suffered severe injuries some years ago. after undergoing extensive rehabilitation and 2 surgeries i am now attempting to return to work. i was just informed by the third potential employer that i will not be hired simply because thier insurance company will not insure me. i asked why and was told that STATE FARM has permanent notes identifying me as high risk because of the PIP claim that i filed 4 years ago. Is this legal? Can they legally block me from gaining employment? What should I do or who should I contact to rememdy this problem? I happen to drive for a living, can I ask them or demand them to undo this terrible thing they have done? other than being involved in this automobile accident as a passenger, i have never ever filed an automobile accident insurance claim. i have never recieved a moving violation ticket. i got a parking ticket once many years ago. please please please help

• ANSWER:
  State Farm is not identifying you as high risk. What they do is report all claims to a database that almost all insurance companies use. It is up to the potential insurance company if they want to cover you, and yes, it is perfectly legal.

  I don't know of any insurance companies that will deny you insurance based upon one not-at-fault claim. I would contact State Farm to see if something else might be on your record, and if it is have them remove it. Also, I'd contact the insurance companies that refused you to see if there was something else that they saw on your record. Maybe something got coded against you because of a clerical error.

QUESTION:
anyone heard of Alpha Logistics in Kabul, Afghanistan?
it is apparently a company that deals in auto parts and accessories and situated in Wazir Akbar Khan, Kabul. i can't find anything about them on internet... any info would be greatly appreciated. thanks.
also, i cant seem to find an insurance for war/terrorism/high risks countries. any idea what insurance company does that???

• ANSWER:
  Bellwood Prestbury arrange war/terrorism insurance

  Alpha logistics trading Ltd is an afghan own company alpha logisticshas been etablished in janury 2003 it is a logitics company and it has lots of branches inside kabul afghanistan like alpha auto services alpha auto parts alpha apperal factory...Etc is all located inside kabul afghanistan alpha logistics has more than 70 empolies all of them are good workers and good empolies and ofcuorse they ...

  There is more on the site - 2nd link below

  http://www.warinsurance.co.uk/default.ht... and

  http://www.made-in-china.com/traderoom/s...

QUESTION:
Are these Fair Rules For Health Insurors?
1. You do not have to write a policy for anybody you don't want to write a policy for. You get to decide who you want to insure. If someone has a pre-existing condition, and you don't want to insure them, so be it, that's your call.

2. If you do insure someone's health, and they lose their health, you are responsible to step up and pay to the policy limits as they require such payments to restore their health or palliate their sufferring. You cannot wiggle out of making the payments or your license to write and sell health insurance will be withdrawn, and you will be closed.

3. If you are insuring a client for a given period, like a year, and they get sick during the time they are covered for, you cannot kick them off of their insurance at the end of the year just because they are sick. That's not a pre-existing condition -- it's a condition that arose after the policy was validly in force. It's part of the risk you bargained to take on.

4. You also can't jack their premiums up sky high just because they got sick while your policy was covering them. You may raise all the premiums for all the people in their insurance group or cohort of insureds. You may raise the sick person's premiums slightly more than the rest of the group. So if everyone in the group gets hit with a 10% rise, you can put a 20% rise on the sick persons. Just like auto insurors can put a small rise on your auto policy if you have an accident. This is called experience rating the premiums but it must be done with moderation in the individual cases, and proportionality in the cohorts or groups. It can't be done in a way that is predatory or gouging or that amounts to kicking them off their insurance. You bargain for the risk freely, but then you pay out honestly, and stick by the client loyally.

5. Compensation for executives at health insurance companies cannot be tied to net profits per year or per quarter. To allow this is to allow a direct conflict of interests between the insured clients and the decision making executives. The executives can gouge the clients to get bigger bonuses for themselves.
So executive bonuses, if they are allowed at all, should be for other aspects of company performance such as innovations successfully brought into existence, or perhaps morale among company employees, or perhaps satisfaction among insured clients, or perhaps vote of confidence by the doctors working with the company as providers -- there are 100 possibilities -- only one is prohibited -- you can't get bonuses tied to profits because to allow that is to allow you to gouge your bonus out of patient care -- high profits can always be achieved by providing lowest possible cost care, and that's not what insured clients bargained for when they signed a policy with you. They wanted the ordinary standard of care that doctors in USA provide --- not the cheapest possible care that you could dream up to get your million bonus check.

• ANSWER:
  Everything sounds about right except for #5. That just ain't gonna fly. There are absolutely ZERO politicians who would back a law that included that one.

QUESTION:
Do you consider health insurers' rejecting people with "pre-existing conditions" to be "discrimination?"
This isn't like asking an auto insurer to take on, or not charge more for, people who have been in accidents in the past.

This is more like getting into a car accident and then applying for car insurance and asking the insurance company to pay for the accident that already happened.

It's not a risk of loss, it's a loss.

That's not what insurance is.

Insurance is the pooling of risk. The actuarial tables say that out of 100,000 people, X% will get cancer, Y% will develop some other malady, etc...., and the premium rates are designed to ensure a modest operating profit if something slightly over the actuarial risks occur.

A pre-existing condition means that person is 100% likely to have the problem thus incur the costs. A few of those really throws off the model - 28 out of 1,000 is very different from 30 out of 1,002, when you consider that the premiums paid by everyone are supposed to offset the high costs incurred for the handful that do become ill.
Thus if you're already sick, what you seek isn't insurance in case you become sick - you aren't seeking to transfer a low risk that you'll become sick in exchange for a low premium.

It's like walking into a casino with your own cards, putting down an Ace and a Queen and saying you hit 21.
Mark are you new to Y/A? The choice here is among soapbox sermons, questions about government cheese, fistfights between politicians, questions about what you'd say to Jimmy Carter, and posts quoting the Koran being deleted for being anti-Islamic...
"I dont know what you are implying. Do you think people should have to pay out of their own pockets for their health needs??"

Well, who else is going to pay for them????

Why do you think you have the right to make other people pay for you?

Imagine, what a novel concept, people paying their own way......

• ANSWER:
  No!

QUESTION:
alpha logistics kabul?
it is apparently a company that deals in auto parts and accessories and situated in Wazir Akbar Khan, Kabul. i can't find anything about them on internet... any info would be greatly appreciated. thanks.
also, i cant seem to find an insurance for war/terrorism/high risks countries. any idea what insurance company does that???

• ANSWER:
  Bellwood Prestbury arrange war/terrorism insurance

  Alpha logistics trading Ltd is an afghan own company alpha logisticshas been etablished in janury 2003 it is a logitics company and it has lots of branches inside kabul afghanistan like alpha auto services alpha auto parts alpha apperal factory...Etc is all located inside kabul afghanistan alpha logistics has more than 70 empolies all of them are good workers and good empolies and ofcuorse they ...

  There is more on the site - 2nd link below

  http://www.warinsurance.co.uk/default.ht... and

  http://www.made-in-china.com/traderoom/s...

QUESTION:
Is democracy on the decline in the world?
I can't believe how out of control and stupid America is.

People need to be controlled and respect a consolidated, higher authority.

When Supreme Court cases decide whether or not a child murderer should go free because he wasn't read his rights, and Congress debates the viability of the BCS Football system, you really have to wonder whether Democracy is a total failure. The lawyers control the country, and common sense has been thrown out the window because of the lawsuit frenzy that has engulfed America. Schools are out of control, our kids are dumb shits, and the adults are dumb shits as well. We are gradually losing our prominence in the world worrying about whether or not torturing terrorists is acceptable, because we actually have to listen to the idiots that oppose it. We are becoming a nation of idiots, full of people who think their voice matters as much as any world leader or academic.

Is it time for the people to lose their voice and follow one man as their leader, without question?

Call dictatorships or monarchies primitive all you want, they work. Most businesses are dictatorships. So if that is so primitive, why aren't most businesses democracies?

Maybe the closest thing to an answer you have is the auto companies, where the laborers get paid 50-100K a year to put together cars and have lifetime health insurance that ultimately screws up the company down the road? Hey, I wouldn't mind for these guys to get paid well, but there's getting paid well, and getting paid like a king, AND STILL BITCHING ABOUT IT.

America is getting that way. Everyone thinks the 1st Amendment and sketchy lawyers gives them the right to act like a brat, demand to be lazy and impose their moral-less ways on everyone else. It's comfort over country.

If things keep declining like they are now, I fully predict America, and many other countries around the world will turn into dictatorships.

The Constitution and Bill of Rights were intended to look out for the rights and welfare of individuals so we could live a better life. What we are seeing now is that over time, free individuals abuse their rights and put their own society at risk. People simply cannot be trusted to rule themselves.
What the hell do Jewish people have to do with this?

Hitler was a dictator, but that does not mean a dictator is an anti-Semite, automatically.

Use logic.

• ANSWER:
  Democracy never existed. Last time I check, you/me, we dont make the laws. Those rich lying bastards does

QUESTION:
Can I sue a company that damaged my credit?
I need as much advice as I can get. About a year and half ago Wells Fargo Auto Finance accidentally filed a repossession on my credit. I didn't even know about it until about 4 months ago when I went and purchased a new car. I have good credit and 2 previous vehicles I had 0% interest. I have worked hard to keep my credit good. I was in shock when the dealership told me only one bank would finance me at 21% interest due to a repo on my credit. I told them I have never had a vehicle repossessed and it must be a mistake. When I called Wells Fargo, they right away saw the error and apologized and said they would send a letter stating that I never had a repo and it would be off my credit in 30 days....sorry. I got the letter but it has now been over 90 days and it is still showing up when my credit is pulled. I have to move in January and I put a 0 deposit down on the apartment but due to the repo they requested an additional 0, which of course I had to pay to get the apartment. All my credit cards have been closed to because the company's felt I was "high risk", even though I paid all of them on time.
This is my connection to Wells Fargo. I had a truck financed with them in 2007. In December 2008 the truck was in an accident and the insurance company claimed it a total loss. I had GAP and the Wells Fargo was paid in full. I never received letters saying I owed anything else on the truck and I never received anything stating that the truck would be reposed.
I am wondering if I can try to sue Wells Fargo for the hardship this has put me through? How many people have gone through this? How can someone get away with putting a repo on your credit and just say sorry? This has ruined my life. I have lost thousands of dollars and worked very hard to have good credit. Please let me know what I can and should do. I am a single mom and I can't afford much....especially after all the deposits I have paid this month.

• ANSWER:
  Oh, YEA! Sue the crap outta `em! Have all your records handy,especially the repo records . Get a lawyer who specializes in credit and finance claims, and let him/her go to town on these creditors for wrongful reporting and what have you. This is definately wrong on well`s fargo part. They have to pay for their crimes just like everyone else in this country.

QUESTION:
Redistribution of wealth McCain vs Obama?
Sharing the Wealth. You know more and more I hear about Obama's share the wealth plan, as if it's going to take every average American's dollar and give it to another Average American. But to me this doesn't seem so, disagree if you want but her me out before you do.

In 1996 General Motors created the EV1, a two seat electric car with ZERO EMISSIONS, and sold it in California and Nevada on a lease program. Though the car was sill in early test phases, it became a quick success with many long waiting list to get a car. The car was created in part due to California's Zero Emission Mandate, (ZEM) which wanted to bring zero emission cars into the market.
In 2003 GM cancelled the EV1 citing, battery issues, experimental technology, and last lack of customer demand. Though again there was a large waiting list at all dealerships that sold the car, GM maintained no one wanted it. In further explanation the stated, they had called customers to ask if they would purchase the car, and where told many wouldn't. Many customers who got the call, said GM only explained the complications with the car and some of the issues that might be associated with purchasing it. This to me is a shock, I have never heard of a company underselling, or explaining the problems of a product to buyers. This would be like if McDonald's tellers, started telling you about the possible health risks with buying their food, every time you bought a big mac? GM's cancellation of the program was coincidently the same time they decided with other large automakers to sue California and overturn the ZEM that had been set by the state. And what did GM do with all the cars? Since it was a lease program, no one actually owned their EV1, when the lease was over, citing insurance and liability the company refused all offers to by the car. Including a 1.9 million dollar offer by leases, and instead destroyed all but a few, with the rest being used as little more then trophies for glass cases.
Now flash forward to 2008, amid rising gas prices, and a steadily lowering economy more and more American's can't afford new cars and the ones that are selling are hybrids including the every popular Toyota Prius. As profits dry up major U.S. auto manufactures are announcing closing factories, layoffs and a loss in profit. So what do they do? Go to the government, asking for a 25 billion dollar loan*, so they can retool and update to create more Hybrid and fuel efficient cars.
Now what does all this have to do with Obama and sharing the wealth. Well to me under McCain's tax plan, GM, Ford, and Chevy will all get billon dollar tax breaks to keep them competitive. True, they obvious need money to retool, and expand, and giving them a tax break could lead to just that. But McCain seems to do little to hold them accountable. GM created a ZERO Emission car, they said the American people don't want it. They shut it down and continued to make their gas guzzlers, during the year GM released the old gas drinking chestnut the Hummer. As Toyota and others foreign markets continued to push for lower emission GM, Ford, and Chevy, went higher. They fought any legislation that would have forced them to come out with more efficient cars and scoffed at those who said gasoline would not last forever. Now when the market isn't fair to them they come running to congress and asking for money. And again under McCain's plan they get even more money to stay afloat, while never once having to act responsibly. If GM had been allowed to fail, it would have hurt the economy but the American tax payers would still have a good 5 billion, GM's share the of the money, in their coffers. If GM had sold the EV1 they may not have been in this place to began with, and surely the investment in the new technology would have helped them deal the the gas crises today. No GM and others chose to do nothing except put themselves in this situation and then come to the American people to get themselves out. Under Obama's economic plan, GM, Ford, and Chevy would have to pay higher taxes on the money they make and give it back to the American people. You know helping to build roads, schools and other essentially items for the nation. The best part is, if you make less the 250,000 dollars, a year you won't be paying more to make America better the rich aristocrats who ran wall street in the ground will. Now maybe to a lot of millionaires out there this sounds like socialism, or redistribution of wealth but to me it seems fair. GM was stupid and the American people paid, why can't they pay in return, granted given huge tax breaks GM may put enough money in new technology that it spurs a wave of American business that helps create more jobs and a stronger economy, but thats a lot of fairy dust on faith in the free market. While as under Obama's plan, sure companies my feel the pinch of paying higher taxes, but tax breaks will go to those who fund new technologies and attempt
has anyone actually read this or are you just commenting on the first part.

• ANSWER:
  Sorry I thought you were saying something else. All taxes have been a redistribution of wealth. It is how we build our Highways, fund our military, and pay for education. -- smiles

  Hint: When you write that much into a question, you lose most of us. Just a suggestion.

QUESTION:
National health insurance proposal?
Health insurance like any insurance such as home, or auto insurance should be a personal policy not job related. Insurance by traditional definition is a sharing of risk. Uninsured Americans should be grouped as to insurable but uninsured , higher risk, and poor.

The uninsured would be offered a pool by all insurance companies offering health insurance in the designated area as a last resort with premiums averaging those of offered by insurance companies in the state or bi state region. Higher risk would be pool insured also at a 10% higher premium. Poor or unemployed would be insured in a pool of the same insurance companies at heavily discounted premiums say 10% depending on assets.

All premiums would rise some but this program would provide an American infrastructure to keep Americans healthy and functioning, spread the risk among insurance companies, and eliminate the need for tribal clinics, va hospitals and clinics, and state and local government clinics . Eventuall

• ANSWER:
  What's your question, exactly?

  If it was up to the individual to get their own, personal health insurance, even fewer people would have medical insurance. It is much, much, MUCH cheaper to purchase health insurance for people as a group than it is for people to purchase it individually. In many instances, the premiums that people are paying for employer-offered health insurance are only about half of the actual premium, because the employer is paying the other half. Sometimes the employer even pays MORE than half the premium.

  People complain now about the high cost of insurance, but without their employer to share a portion of the premiums each month, the cost would be even higher.

  I don't have an answer for the uninsured and under-insured population in this country. Personally, I think that rather than ask insurance companies to "spread the risk", hospitals and doctors and other medical service providers should offer special programs to those who don't have coverage. The fact that the cost of medical care is so outrageous is the real problem. Anytime a single Tylenol tablet costs in a hospital, that should send a message - medical providers are grossly overcharging.

  There is a large number of people in the US who are offered health insurance through their employer, but they elect not to take it because they think it's "too expensive". Many of those same people then get sick and run up major medical bills that they can't pay. It would've made much better financial sense to have elected employer-offered medical coverage than to now be struggling to pay outrageous medical bills because they had no insurance.

  People need to take responsibility for themselves. Everyone wants to blame the insurance companies for the fact that insurance premiums are high and so many Americans have medical bills that they can't pay.

  If your employer offers you medical coverage, TAKE IT! Anyone who has the chance to share the cost of medical insurance and chooses not to is ignorant. And their ignorance shouldn't have to impact me, or other logical-thinking, responsible Americans, in any way.

QUESTION:
After Health Care passes with public option will Conservatives look back and think they again they were wrong?
Conservatives are rallying against Health Care reform mainly because of the public option. The public option as planned will be a choice for anyone, it will be run entirely like a private insurance company but instead of profits going into CEO's pockets to buy mansion and private jets, it will be put back into system. There will be no public monies that will used to run this program.

It will not add to the deficit and it will make private insurance companies reform themselves in order to compete with the Government run plan. They will have to cut the 30 million dollar a year salaries and some of the current bureaucracy they use to weed out people that they do not want to insure and other high risk clients.

Both private insurance and public insurance will not be able to cut people from their plans for having used too much nor will they be able to say no to people with preexisting conditions.

Since this is a mandate like Auto Insurance many millions more people will be joining private insurance companies as well as the public insurance agency. The predicted enrollment is 95% to private insurers and 5% to the public option plan.

If this plan works as planned it will be a very good thing for America. Almost all people will be covered and many of these people will see a Doctor for the first time in their lives and get preventative care possibly preventing billions of dollars in money that otherwise might have gone to their care if they had not had preventative care. The Government estimate over time this alone will save 100's of billions.

Assuming all goes as planned what part of this sounds like a bad idea? Now in order to answer you are assuming this all runs as planned as it is the question.

If you automatically say this will not work and that this cannot work then there is no point in answering this now is there?

• ANSWER:
  After muddling through your rant I find it lacking in facts but it does have most of the Democrat talking points.
  This from an Independent!

QUESTION:
alpha logistics, kabul?
it is apparently a company that deals in auto parts and accessories and situated in Wazir Akbar Khan, Kabul. i can't find anything about them on internet... any info would be greatly appreciated. thanks.
also, i cant seem to find an insurance for war/terrorism/high risks countries. any idea what insurance company does that???

• ANSWER:
  Bellwood Prestbury arrange war/terrorism insurance

  Alpha logistics trading Ltd is an afghan own company alpha logisticshas been etablished in janury 2003 it is a logitics company and it has lots of branches inside kabul afghanistan like alpha auto services alpha auto parts alpha apperal factory...Etc is all located inside kabul afghanistan alpha logistics has more than 70 empolies all of them are good workers and good empolies and ofcuorse they ...

  There is more on the site - 2nd link below

QUESTION:
I got a car insurance quote from State Farm that?
is double that of the quotes I got online (from brokers). Is it better to go with State Farm or one of the cut rate insurance companies?

I mean in the event of an accident and getting paid.

I also rent a lot of cars and will be using the insurance I buy for those. And, not get the insurance that the rental companies over charge for.

• ANSWER:
  I would go with State Farm. But I am biased because I work there.

  Ask for as many discounts as you can like, multi-car, multi-line, good driver, if your young for a new driver then ask for driver safety, and any other they offer. Ask how you can get them.

  And, if those cut rate companies offer low payments do they ask for a broker fee or a higher down payment? Sometimes you do get what you pay for. But remember, there is good and bad in every company but overall they are much better.

  And, if you rent cars a lot then ask the agent to add UNOC. Unlimited Non-Owned Car coverage. Some are not familar with it but otherwise your coverage only carries over to a rental car for 21 days at one time.

QUESTION:
I need to get quotes a commericial business?
I want to start my own business hiring guys to do demolition, construction and stuff of that nature. Where could I get state farm insurance quotes?
I need also workers comp.
could some one point me to the right direction?
thank you in advance
sylvia

• ANSWER:
  State Farm won't insure general contractors, which is what you would be, and they don't insure demolition contractors, either.

  You're going to need to open your local phone book, and look for an independent agent that specializes in construction.

  I hope you're braced for it, because the workers comp is going to run you about 25% of payroll, and the liability is going to run you about 25% of receipts for employees, and 20% of receipts for subcontractors.

QUESTION:
What's the average state-farm-auto-insurance quote?
For a young woman getting her first car under her name with good grades (good student discount)? I'm trying to find out for a friend getting her first car
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.
.
.
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free lessons (video) how insurance works:
http://wholeproxy.cn/health-insurance.html

• ANSWER:
  You can find names of some good auto insurance companies here >> http://x.azjmp.com/2mDCn

QUESTION:
How does state farm insurance pay for car damages?
I got into an accident and the other person was at fault and state farm asked for a quote, and im wondering if they are sending me a check or if they pay the mechanic.

• ANSWER:
  They'll send it to you, if you request it.

QUESTION:
what's the average state-farm-auto-insurance quote?
For a young woman getting her first car under her name with good grades (good student discount)? I'm trying to find out for a friend getting her first car

• ANSWER:
  0 a month

  No, I am just kidding! But, there is no such thing as an average quote anymore. There are way too many factors, including your state, age, year make and model of car, and whether your parents or a resident relative already has State Farm, etc etc etc. The agent's office is there to help you! If someone you live with has SF already, call their agent and get a quote. Even if you are just shopping, no one but an agent that you contact can give you a true price. Also, there are probably some other discounts that you may be eligible for that they can over with you.

QUESTION:
Teen car insurance quotes?
I am 16 years old. Getting my license. My family of four is insured in California with State Farm Insurance. I have to pay for car insurance, which I think is 0 dollars a month with State Farm.
I want the lowest rate possible with lowest coverage (I understand the risks.) Will any insurance company take me by myself without the rest of the family because my dad would not switch.

I have a 1986 Honda Accord, which will be my primary car.
Although we also have a 1976 Ford pickup, would it be cheaper to put that as my primary?

Thanks

• ANSWER:

QUESTION:
Is Progressive Auto Insurance a good company?
I have several insurance quotes from State Farm and Allstate, and Progressive beats the price by almost half. But, when something looks to good to be true, it probably is. Is this good insurance? Are they good with claims?

• ANSWER:
  Cars are insured according to the engine size, weight etc. I think all Insurance companies are charging the same amount for similar cars for insurance. You can take either a comprehensive insurance or a third party insurance according to your requirement.,.. So if you want cheap insurance go for third party insurance i.e no insurance coverage for car but in case of accident only the third party (the party who has been affected by your car) will get compenation.

QUESTION:
state farm wont stop calling me about a car insurance quote?
I did this stupid offer on the web about some car insurance quotes and I didnt think that anybody would call me or anything but I was wrong. I had calls from Allstate, State Farm, Progressive, you name it! I didnt answer them because I would have no clue what i was talking about because Im not good when it comes to car insurance knowledge or any of that stuff, Im only 16! Most of them had stopped calling me except State Farm and Allstate, mainly just to talk about the car insurance quote that I "requested". Do they eventually stop calling you or will they just keep bugging you for life until you change your phone number or whatever? They are really beginning to get annoying, especially State Farm!!

• ANSWER:

QUESTION:
Anyone used AAA for Life Insurance? Trying to decide between AAA and Farm Bureau?
Getting Term Life Insurance and my rate from AAA looks better than what i was quoted from my Farm Bureau agent. Any recommendations?
Excuse me but Ambest CHARGES 5 for a freakin report on companies. That's a ridiculous and arrogant answer.

• ANSWER:
  Life insurance is NOT to be bought like a commodity; price is definitely the least important consideration, with the company not being far behind. Comparing quotes is a great way guaranty that you'll make a bad decision. AM Best may charge for financial ratings reports, but most companies publish their ratings, and most agents have access to comparative ratings. Feel free to email me and I'll give you ratings on whatever companies you're considering.

  You're speaking to AAA and Farm Bureau. While there may be nothing "wrong" with their life products, they are not financial planning companies, and are therefore not qualified to provide reliable advice on life insurance. The only reason you should be considering a casualty carrier for life insurance is to receive multiline discounts. Without such discounts, it is unlikely that these companies are offering competitive premiums on truly like coverage.

  Which leads to the next question. If you're receiving life insurance information from people who are not qualified to give it, how do you know you are even looking at the right type products? Life insurance should only be obtained from or under the direction of a qualified financial planner or advisor. If an "agent" doesn't specialized in comprehensive financial advice (and selling home or auto products is a good indication that he doesn't), he's the wrong guy to be asking about life insurance.

QUESTION:
Health insurance quotes online?
Are there any sites that wont call you? I tried one and the called several times a day for months .... what Im told in one of the top three most expensive states for health insurance also does anyone know about farmers or farm bureau health insurance ??

• ANSWER:
  You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price.

  I've had good info about it here:

  http://health-quotes.isgreat.org

  All the best to you.

QUESTION:
Insurance Quote From You! State Farm?
What do think state farm will charge for - for a 1984 dodge, 2.2L, cheapest insurance plans?
Randy - 40's, female, clean record

• ANSWER:
  Guessing you would only want liability coverage and not colission coverage.

  Hard to say because there are so many other factors that play into insurance quotes.

  1) your driving record
  2) county in which you are driving the car in
  3) choice of insurance company you go with

  I would suggest that you do an online quote to figure out which company can offer you the best value with the best pricing.

  You can use a free quoting tool at the website listed below.

QUESTION:
Does anyone know about Tennessee Farm Bureau Insurance??
Hello,
I am seriously considering of taking Tennessee Farm bureau auto insurance. They have quoted me a good rate. Done anyone know how their service is?? Any inputs are welcome. thanks..

• ANSWER:
  hi........
  To get your doubts cleared and to get more relavant information visit the web site........

QUESTION:
health insurance quotes?
Are there any sites that wont call you? I tried one and the called several times a day for months .... I live in what Im told in one of the top three most expensive states for health insurance also does anyone know about farmers or farm bureau health insurance ??

• ANSWER:
  You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price.

  Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company.

  If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles and low copays your monthly premiums will be significant.

  On the other hand if you are young and healthy and rarely use the health care system you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead.

  Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation.

  Use the Internet to educate yourself but use an agent to purchase the coverage.

QUESTION:
Question on home insurance quotes from agents?
Money is tight for our family now and we just received the statement from the Mortgage company that they paid the insurance and now added it to the escrow. Its a total of ,983 from State Farm and even though it can be spread out from 12-36 months its going to be hard to shell out more every month. One option the mortgage company agent said over the phone was to look around for a new premium. So I going to do that but what I want to know is, will every agent have a different quote even if they are from the same company? For example there are 25 Allstate agents in town so would it be as waste to get quotes from a few of those agents because I'll just get the same result since their with allstate? Any other companies or ideas you can think of? Insurance is a must since we live along the coast and a Hurricane in June and Trop. Storm a few days ago just missed us by 200 miles. I hope i make sense im in still in college but had to grow up fast due to the loss of my dad, and now im try my best to learn the ends and outs of home ownership. thanks
I did contact him last week, he couldn’t really do anything for me. If the amount was brought down I would receive less coverage say on a flood or fire. He basically told me that state farm appraises the value of my house if they think its worth 0,000 that’s what they go with even thought the county has it appraised at 0,000. If a tornado or something was to completely blow the entire house down they would send a check of 0,000.

• ANSWER:
  The prices quoted by different Allstate agents may be the same as each other, but they will probably all be less than the price that the mortgage company is paying. Forced placement coverage is usually the most expensive.

  If you want to pay as little as possible, you should also get quotes from agents who represent other companies.

QUESTION:
How is State Farm as an Insurance Company?
Does anyone have personal experience you could share? I'm changing companies and they are the most reasonable quote - but cheaper isn't always the best....

• ANSWER:
  i dont like them....i was in an accident that wasnt my fault and state farm cancelled my policy...the other driver didnt have insurance but i had uninsured motorist on my policy so state farm had to pay out for my repairs....something about them cancelling my policy didnt set well with me

QUESTION:
Do state farm agents see my credit Report?
I just got a car insurance quote and with state farm they send it off and i sure hear by friday if everything checks out. My BF dad is the agent and i don't like the fact he could have access to my personal information such as credit. On their site they say they do not but researching online i have seen other things. So do State Farm agents see my credit?
If they have an eternal system will the agent have an idea what my credit is?
I did not sign anything. Everything was done over the phone, actually through my BF he called his dad and they sent the quote off I did not sign anything. I did see online you have to check something, but this was not done online.

• ANSWER:
  Not exactly. Even a year or two, the agent would see your credit SCORE. It's a number. They don't get to see the actual credit report, but if the score was 700, it's good, if it's 200, it's tanked.

  But due to privacy laws and liability issues, companies stopped letting agents see this - they get the score internally, and then tell the agent (through a computer program) which rates you qualify for. Of course, if you qualify for the best rates, the agent knows you have good credit. If you don't qualify at all due to credit, the agent knows you have bad credit.

  So no, the agent NEVER saw the actual credit report, and now the agent can't see the actual score, but based on the rating tier, will have a general idea about your credit.

  They don't need to give you anything in writing, unless you request it - they only need to give you a verbal sentence, "we're checking records including mvr's & credit for rating tier & eligibility". And, of course, you gave them your date of birth & social, which they need to run the check.

  Hope that helps.

QUESTION:
What is a good cheap Car Insurance Company?
I am 22 years old, single mother of two children ( 2 & 4 ), looking for cheap insurance quotes, I live in NC I'm not sure if that matters. I checked Allstate and that's the cheapest quote I've found, but I had them before and owe them money, so EX them out. Any other people, I checked with Progressive, State Farm, AND Gecco (sp). Who are you with what are your companies??

• ANSWER:
  Just get a quote from insurers you get from yellow pages,. the internet, the TV, the radio.
  Simply don't go for the first price they quote you but spend a few days collecting data.

QUESTION:
Statefarm Insurance is a good company?
I will be 26 years in Sept, 23. I brought a brand new 2009 Kawasaki Ninja 250r sport motorcycle for my birthday. I went to shop for insurance policy. State farm quoted me 6 months premium for 0 dollars, including comprehensive 0 deduct. Collision 0 deduct. Plus uninsured motorist. That is a good quote?

• ANSWER:
  My daughter is 24 and just bought a 2009 Ninja 250R.

  She pays about 0 for 6 months of coverage. I don't know what her deductibles are? She does have full coverage.

  State Farm is a great company but it seems their prices keep going up when other companies premiums are going down.

QUESTION:
Im getting quotes for well over £4,000 for car insurance is this right?
Im getting quotes for well over £4,000 for car insurance is this right?
My grandson is 17 and has passed his Advanced driving test. He has a VW Polo.
Would he be able to be put on my insurance as I have 5 years no claims. Would this lower his by much?
He has also been driving cars/tractors around a farm since he was about 13 would this make a difference?
Thanks

• ANSWER:
  I think £4k is a bit high, but you'll not get it down by that much.
  Sadly the statistics prove that your 17 year old grandson has a 25% likelihood of completely destroying his car, and possibly doing far worse, in his first year of driving.

  One bit of advice, the days of online insurers giving the best quotes are gone, try phoning some good old fashioned brokers instead.

QUESTION:
Question about State Farm Insurance..Only answer if you have State Farm?
I was getting an online quote. For the basic plan it was .58, standard it was 3.64, and premium it was 6.54. I am prob going with the premium. My question is do I have to pay a down payment? I know there are some places you do. Or do I just pay the 6.54. I am going to pay monthly for 6 months, not all at one time.

• ANSWER:
  You can find some information about state farm insurance in the link below.
  Far as i know you don't need a down payment.

QUESTION:
what companies offer good homeowners insurance?
I am looking for a good company to get homeowners insurance with. I have looked at few companies and have gotten quotes from AIG, Progressive,geico, usaa, state farm, and farmers insurance. So far Farmers insurance is the cheapest and geico is the most exspensive but gives great coverage. I guess I would like to know are these companies any good and are there any websites that I can look at see reports about them.
Thanks

• ANSWER:
  No doubt the easiest way to get insurance quotes is on the web.
  Why would you waste your time on the phone calling around?
  the last time i needed quotes on insurance i used one of these comparison sites and it was great.
  this is the site i used and it was quick like less than 5 mins.
  The last thing I want to do is listen to elevator music while waiting for a salesman.
  Anyway I got good quotes and ended up saving money so I was happy.
  So shop around and compare quotes which is easy on the net.
  Good starting point is at this site.

  http://insurance.deal4-you.com

  Good luck.

QUESTION:
Insurance quote!?
Any State Farm Insurance agents want to give me a quote in California? I have contacted two State Farm Agents in my area and not one has gotten back to me. I have 11 apartments.

• ANSWER:
  Habitational risks (apartment buildings) and landlord policies (residential properties) are a difficult risk to cover so don't be surprised if your local State Farm guys are not falling all over themselves to get back to you.

  Now if you currently do business with State Farm (auto/home/life), have a relationship with a local agent and she doesn't return your calls, THAT would be an issue.

  But if you do business with the Lizard and now you need a real insurance agent, don't be shocked when they don't run right over to insure your property.

QUESTION:
Does anyone have experience with Amica homeowners insurance in Texas?
I am looking to change homeowners insurance since state farm is raising my rates 30% for my county. I have gotten quotes from Allstate, Farmers and Amica and by far amica is the cheapest for the same coverage. I have read a lot of good things about Amica but am nervous since there are no actual agents in my area. I wanted to see if any had experience with them in texas.

• ANSWER:
  I have experience with Amica in Massachusetts, but now live in Texas, does that count?

  Amica is a direct writer. They HAVE no agents, they USE no agents, the people who give you the quotes, are direct employees.

  Amica does a fine job. They're also very fast to cancel you if you have claims.

  The BIG thing to worry about here in TX, is COVERAGE. Are they quoting you an HOA or a HOB? Do you know the difference between those two forms?

  It's VERY VERY easy in TX to seriously lowball the quotes, if you're quoting an HOA against everyone else's HOB form. To make it more complicated, Amica Lloyds has their own HO3 and HO5 version forms they use here, and Allstate ALSO has their own forms.

  You REALLY need to compare coverages, before you can sit down and compare pricing.

  Me, I'm in Houston, and MY homeowners is with State Farm. It's the MOST EXPENSIVE, when I shop it out every three years. So why do I keep it? No, I'm not now, and never have been, a State Farm Agent. It's just I can't get better COVERAGE from anyone else. AND, I have a "nonrenewal guarantee" on my policy.

QUESTION:
Auto Insurance For Young Driver In Charlotte,North Carolina?
I am planning to buy a 2002 Nissan Sentra worth 7 Grand in the forth coming week.I am a new driver with learning permit .My age is 35 and I came recently from India.

I am trying for Insurance in different companies like GEICO,STATE Farm etc.Everywhere I get quotes like 2000$ For 6 month premium for a decent coverage.I am looking for something around 1000 - 1200 $ for 6 months.I would expect a maximum liability coverage ,a limited uninsured coverage and Collision Coverage with a Deductible of 1000 $.

Any Suggestions please ?

• ANSWER:
  I don't know what state you are in but, first off, certain areas of the country have much higher insurance rates than others. This alone could be part of the problem. If you are getting similar quotes from insurance companies, that is probably in the area of what you can expect to pay anywhere. Being a new driver will greatly increase your premiums as well.

  I don't know how credit reporting works with other countries, but if you do not have established or good credit, this can also affect your premium as well.

  The car itself will also make a difference in the premium if you are carrying comprehensive and collision coverage. Even with 00 deductibles, some cars are just very expensive to insure. Perhaps consider a different vehicle and see if that puts you more in your insurance price range.

  The amount of liability you are carrying is also obviously going to affect your premium. I'm not sure what your definition of maximum or minimum is so it's kind of hard to elaborate on this. Ideally, though, you would want your uninured/underinsured coverage to match your liability limits. That is for your protection in case you are severly injured by an uninsured/underinsured driver.

QUESTION:
Will my FL insurance go up if I report a parking lot hit and run?
I was hit in the parking lot of a mall in Miami? I made a police report. What will my State Farm insurance do if I report this hit. I already have a repair quote of around 1200, and my deduc is 500.

• ANSWER:
  If the "accident" is not your fault, and this is substantiated by the police report State Farm will not take action against your policy.

  I live in Miami, and I have State Farm.

  A hint: Use one of their preferred shops, even if it's a little more expensive. You won't pay more than your deductible anyway.

  Their work will be guaranteed for the entire run of your ownership of that car.

QUESTION:
21st Century Insurance I'm thinking to change State Farm to 21st Century?
I'm Thinking of changing from State Farm to 21st Century Insurance I save 0 dollars per year. Is this a mistake any one have State Farm if so please get a quote from http://www.quoteinsuranceauto.com and please post your results

• ANSWER:
  Are you comparing the same coverages? If you have different deductibles or limits, this might explain the difference.

  I haven't had any dealings with 21st Century. I have dealt with State Farm in the past. They do not have the best claims service. Not terrible, but not great.

QUESTION:
Add multiple policies to save money on Progressive Insurance?
Hi, I currently have a motorcycle insurance policy through Progressive and a car insurance policy through State Farm. What I'm trying to find out is how to add my car to my policy with Progressive (and scrap State Farm) and get a quote of having a multi-policy discount and see if it will cost me less and have both my car and motorcycle with Progressive. The website (Progressive), however, will only allow me to add other motorcycle-type "vehicles" to my existing policy. How do I go on adding a car to my policy?

• ANSWER:

QUESTION:
How do I FIND affordable business insurance for my cleaning business.?
I live in illinois in a city I am starting a cleaning business I ahve searched the internet and called around to different insurance companys and got a quote from state farm they want 00 up front for the year and will not take installments. I was under the impression that the insurance I needed was less expensive. hellllp!!! please help me find something better.

• ANSWER:
  I clean small offices, have for years. The internet isn't the best way to shop for insurance. Let your fingers do the walking and call EVERY insurance agent in the phone book because the price does vary a lot! It may take some time but will be worth it. Plus you may pick up a customer!
  Since you're starting, you may want to check the links in My Profile-I have a Squidoo lens and blog with lots of resources and tips!

QUESTION:
State farm insurance after accident question.?
About a month ago I was at fault in an accident that totaled my vehicle. I recently bought another vehicle and talked to my agent about price changes. I was told, believe it or not, that I would actually have a small credit on my account.

I got a bill today for over 0 stating the premium is "higher than the original quote".

They removed the safe driving discount (duh) AND the good student discount. I wasn't aware the good student discount had anything to do with one's driving record?

It is also important to note I only bought and insured my previous vehicle for ONE month with State Farm, yet they sent me all this paperwork relating to the now totaled and salvaged vehicle. Even if both discounts are correctly removed, I do not see how it is correct that they want me to pay for a full SIX months premium amount on a vehicle I no longer own. It is also important to note this paperwork is dated that it was prepared only 4 days ago.

Another question, my new vehicle has ABS and an alarm system. Would discounts (if any) for these be applied now to my account, or after I renew?

Also, I plan to call, seeing as its Friday night and I just got the mail, that won't happen until Monday, hence why I'm asking here. Thanks in advance. Any information on what's going on here would be greatly appreciated.
I paid for the previous vehicle's insurance 6 months upfront, yet totaled the vehicle after only a month. The "new quote" is for the full 6 month period, not just the one month I actually owned the vehicle.
I want to reiterate that I was told originally that I had a credit on my account because my current vehicle does not cost as much to be insured. They want me for more money now, yet this credit is no where on the bill.
Maybe making each point on its own line will help "clarify".

Me owned vehicle. It get totaled after only a month.

Me paid insurance for 6 months upfront.

Me get new vehicle.

Insurance tell me after switching vehicles on me policy, I have CREDIT on my account.

Me get mail that says otherwise.

Me get bill for over 100 dollars.

Bill say premium is different for whole 6 months on me previous vehicle

Me don't own vehicle, so why would me pay for 5 more months of insuring vehicle in ADDITION to what I already paid.

Me say it few more times.

Me ALREADY paid. Insurance say at first, you have credit, now they say no u owe us money.

Bill is NOT for current vehicle, it is for previous vehicle, that is totaled and salvaged.

Also, why does good student discount go away. Me didn't know it was affected by driving record.

Me wonder what insurance company is trying to pull. If they want difference bc discount go away and premium go up. Why they not send bill with current vehicle informatio

• ANSWER:
  Was your policy for one month only, or did you just make an installment payment? If you don't own the car anymore, they wouldn't expect you to continue to pay for insurance on that car, but will need payment for the new car. If you sell a car mid-way through your policy, you will get a credit or refund on the remainder of the policy period. Note that is it not usually spread evenly through the 6 months -- for example if you sell the car after 3 months, you will get less than half the money back. (t should be pretty close to half, though). So, they might be calculating the full 6 months premium in order to apply a credit.

  Most companies will give some discount for ABS and an alarm. It not a big amount though... maybe or .

QUESTION:
,000+ a year for insurance!?
Alright, I'm 19, have owned a 2006 600cc Suzuki Katana, and everyday rode a 2006 Kawasaki ZX14. Insurance was only a month for the Katana, and the ZX14 was under my friend's name and policy. Now I want a 2011 ZX-10r. I'm quite familiar with riding all sorts of bikes, commuted daily on Phoenix freeways and downtown a minimum of 50 miles a day to and from school, took safety courses, perfect diving record, Class M, never one accident with either the Katana or ZX14. I know what I'm doing on bikes. I now have the money for a 2011 ZX-10r, but every company I've called quoted me between -22 THOUSAND a year. For a ,000 bike, max! Why the Hell is insurance so damn expensive for it? It's not like I'm going to cause any more damage on this bike than the Katana or ZX14.

Why the Hell are the insurance quotes so insane!? I've tried Progressive, State Farm, small local insurance companies. All similar. I hate working this damn hard to get the bike then not being able to afford insurance! I'm fuming!

• ANSWER:
  Because you're looking for "full coverage" on the bike, and you're PROBABLY going to total it.

  If you pay cash for the bike, then you don't need a loan, and you can carry just liability on it. If you can't afford the "full coverage" for the bike, you can't afford to borrow the money to buy the bike.

QUESTION:
Explanation for Insurance quote in Oregon?
Hi folks,
I just moved to Oregon from CA. I got a quote from State Farm which suits my need. I just got a quote from an agent. She mentioned something like this in the quote. I have me and my wife as drivers.

"Automobile liability with W/P 000" 50/100/50. I mean to ask what does "W/P 000" mean?

Is it mandatory to have PIP in Oregon?

Thanks for your help.

• ANSWER:
  yes, pip is required in Oregon - and so is uninsured motorist coverage.

  I have no idea what she meant by w/p. Maybe u/p? Uninsured physical damage?

  You'd have to ask her.

QUESTION:
Insurance Claim Lookup... Can I Do That?
I recently went online to USAA to get a car insurance quote, and they claim my husband had a wreck in May of 2003, which he didn't. The only thing I can figure is his ex wife had one about that time, she almost totaled the car! They had insurance thru State Farm. He is over seas and cannot call USAA or State Farm to mess around with this, and they won't talk to me. Is there a way I can look up an old insurance claim to verify that it was his ex's accident before I try and move forward?
From the info on USAA website it was filed under his name, no where is her name. The bodily damage was 6K and property was 2K. Wouldn't it say her name somewhere?

• ANSWER:
  Try getting a police report first.

QUESTION:
State farm Vs. Grange?
I am about to purchase a 30 year term life insurance policy. State farm (who I have all my other insurance through) quoted me about 7 dollars a month more than Grange for the same coverage. Grange gave me an excellent quote. State Farm on the other hand seems to be a larger, more stable company. Ive never heard of Grange until I visited an independent insurance agent. Any thoughts? Who would you choose?
mbrcatz, as I stated State Farm's quote was a little on the high side, but Grange's was the lowest I got.

• ANSWER:
  Grange is A- Stable, according to AM Best. State Farm, of course, is A++ to A+ depending on which company you're talking about.

  But why are you limiting yourself to just those two companies? Neither of them have particularly competitive life insurance rates. Go get some more quotes - or see which other companies that independent agent represents. If they don't have at least 10, you need to check another independent agent that has more companies.

QUESTION:
I'm shopping for Auto Insurance can you help?
Can anyone tell me their experience with GEICO insurance. I'm shopping for auto insurance and they have the better quote so far. I've got quotes from State Farm and Allstate. Thanks...

• ANSWER:
  Why GEICO?? Are you infatuated by the caveman or gekko?? We save people money on their GEICO policies all the time......

  There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued.

  Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.

  The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.

  An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

  In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!

  Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!

  Good luck, drive RESPONSIBLY and I hope this helps!

QUESTION:
Does a ,000 auto claim raise my insurance?
We have never mad a claim, yet this weekend I hit our car pulling into the garage. We have State Farm Insurance.

I have not gotten a quote or told my insurance company.

I have a 0 deductible and want to know if there is some limit to the amount and how it affects my coverage.

I have heard that if the claim is small, there will not be an affect. Does anyone know?

Thanks,

Michelle

• ANSWER:
  Any claim has the possibility to cause your rates to go up.

  You should follow up with your agent regarding.

QUESTION:
17 Year Old Insurance Question..?
What would be the average cost to insure any type of vehicle to a 17 year old foreign male (has no SSN, on a special permit VISA to live in the states)?

I have around 12k to spend on the car, so i was looking at a few cars and the 2002 Audi TT (225hp, 6 speed M/T, 2-door sports coupe) seems to be the "best" car i can get with that money.

Now ofcourse, i don't know what the fees are going to be like and it doesn't help that im a foreign student living here because my dad moved here, don't have a SSN/greencard etc (i have a special permit VISA for residence). will this impact my insurance a lot since im not a citizen of the U.S.?

and so..how much would it really cost to insure an Audi TT as a 17 year old, honor role student who will complete the driver safety course, have same insurance as family policy, most likely be accident free (for state farm insurance) and have completed the steer clear driver's discount program?

and some other general questions, what would be the difference in insurance premiums if instead i chose a 4-door sedan like a Honda Civic (2005)?

I tried getting quotes from State Farm (said i was 18 instead), they got me at hte "basic plan" for 0/month for 2002 Audi TT and 5/month for a Civic 2005. Anyways to reduce that (those prices were with most discounts except the family plan)?
ok, hmm yea i talked to my parents and they said they'll have the registration and insurance on their name (and me listed as a secondary driver) and hopefully if that brings it down to 0-150 then i can honestly get whatever car i want under k.

i will mainly be using it to drive from school and back, so mileage wont be so much. resale value isn't much of a problem but i guess that i dont want to get a dud car that i need to keep repairing. i hear manual transmission cars are easier to repair and hopefully i can get it checked with a mechanic before i buy any vehicle.

• ANSWER:
  going with your family insurance will cut those quotes roughly in half, Audi especially older high mileage audi is not a good dependable car. Audi once it gets near 100,000 miles are well known for expensive engine , electrical and transmission problems, They are dealer only parts, imported from overseas. This makes them extremely expensive, and only available at an audi dealer. Pass on this car. Your other choice is PERFECT. That is a company well known for durability and quality and longevity. It will hold a resale value better than the audi. And will spend much less time in a repair shop. Nissan, Toyota, Honda and the all wheel drive subaru are very good cars, with a reputation for getting the job done, and if you take care of them, they will take care of you.
  Here is a website that may help its a fee site that has information on how to buy a used vehicle, what to look for, and what to look out for. www.samarins.com there are also used car reviews and there is a lot of good information here. Edmunds.com is a website that has a lot of information about new, and used vehicles, there are also a lot of information about buying cars, pricing information and some times customer comments about the cars they drive everyday. There are forums so you can look and see if there is any information about a particular model that is help full.
  Carcomplaint.com is a web site that you can find out if there are any complaints or recalls on a particular year, make and model. click on search type year, make model complaints or recalls? click search again on the results page scroll down past google ads and see what information is available. sometimes there is not much, this means this may have been a good year.
  Have patience when looking for a used csr, and plan on taking a car you are serious about to a trusted mechanic. If you are going to put 12 to 15 grand down on a car, make sure you spend a hundred bucks and get a mechanic to do some basic checks. This can save you from an expensive mistake.

QUESTION:
Looking in to new Auto Insurance, with country insurnace and financial services?
My boyfriend and I live togeather and have three vehicles, a Mazda Car, Dodge Truck and Yahama Street Bike we both have insurance policys with State Farm and we both are very happy all our insurance policys are seperate The car in my name with my agent the truck in his name with his agent and the st. bike also in his name and then i have a renters insurance policy just in my name. when his work started a 401K with Country Insurance they met with us and went over alot of services they offer and they did up a quote for our auto insurances and renters insurance which put the Mazda and Dodge togeather and both our names on the street bike and renters insurance it was much cheaper then what we pay state farm and we were both very happy with the agent and felt we'd have a good relationship with her... I'm just curiose if anyone has had or has Country insurance for the auto insurance and if they are happy with them?

• ANSWER:
  Hi. I work for state farm, and the reason ti was soo much cheaper there was the fact that they put all of your policies together. You're only costing yourselves massive amount of money that you don't need to.

  State farm also has a wide variety of Financial services.

  Currently you're both missing the Multi-car discount (his bike and truck aren't getting it either) plus he's not getting the Multi-Line Discount that you're enjoying from your Renters

  In California, the Multi-Car is 20% on each car.

  The Muli-Line Discount is 10% for the renters.

  Contact whichever SF Agent is closer to you and have them transfer all the policies to their office and link them all up.

QUESTION:
What type of car insurance should I get in Michigan?
I understand that Michigan is a no-fault state, and as a result everyone gets this PLPD insurance or something. I'm moving from Pennsylvania and had full coverage on my car for about /month. I thought PA and MI were both no-fault, but it seems different and the rates I'm being quoted for the same insurance in MI are higher. I'm so confused!! Also, right now I am on State Farm. I'm 25 but on my mom's plan, and I am getting married/changing my last name and I now live in Michigan so it is past time for me to pay for my own insurance.
Right now I'm on State Farm, and there are agents both here and in PA, but their rates seem to be high.

• ANSWER:
  Michigan is a wierd state for insurance. If your car is worth anything, you will have to have physical damage coverage. Reason: If you are in an accident, the most you can collect is 0.00 from the other insurance company ( it is called a mini tort) unless you ae legally parked at the time of loss. As the laws are this way, the rates are higher as the Insurance co's cannot collect the damages that they paid out from the other person's insurance co due to the law only allowing the mini tort 0.00. Also, the closer you are to Detroit, the higher the rates due to the high incidence of auto theft in that area.

QUESTION:
Why is progressive motorcycle insurance so cheap?
I got three quotes from three different insurence companies for a 2005 Honda 1100cc Sabre with under 2000 miles for 00, all three with the same type of coverage. The first quote I got from State farm they gave me a quote for 0 for the year, the second was Geico they gave me a quote for 2 for the year, the third was Progressive they quoted me with only 0 for the year with the same exact coverage as the other 2. I am 36 years old have been riding a motorcycle for about 2 years and I am buying this 2005 1100cc Sabre. Why is Progressive so much cheaper, has anybody else used Progressive and are they a good insurance company. It just sounds too good to be true.

• ANSWER:
  I don't know why? but they are! weird huh. My buddy is 36 and has been riding for a bunch of years and got his for like 0 a year! THAT'S CRAZY! He keeps telling me to switch I'm sure I will soon.
  I assume because they are such a big Company that it makes it easier to give better quotes. kinda like, why sell a few policy's a day for 0 when they can 20 policy's for half that and still make big bucks! I don't know just my thought on it anyways.

QUESTION:
Can anyone recommend a good car insurance company?
I'm just looking for some quotes at the moment. To narrow it down: I've been driving for 4 yrs. No accidents. Gieco, State Farm, and All State are not available in my area. Anyone have any experience with any other good car insurance agency?

• ANSWER:
  American Family Insurance company of Madison Wis. but they do not sell auto insurance in all US states

QUESTION:
I have car insurance for NC but I've moved to CA just recently can I keep my old insurance with state farm?
I'm a student so I can pay the 3k insurance a year for living in LA but I'm worried if something happens then state farm won't cover me. I got a couple of parking tickets and they sent some letters asking where my car is located. So what should I do because everyone is quoting me some high price. I do live in LA but I can't move because of school. I also can't get lower insurance because I'm financing and its a new car.
I'm sorry after I read the question I did have a little correction...I can't afford 3k and that is really my big problem. I pay about 700 in NC but I don't want to pay the same amount as my car payments in insurance. I just don't think it makes any sense at all. I don't know since I'm turning 25 will help and with all my tickets dropping in July....any more help would be appreciated....thanks again
I live in hollywood so would another address on the outskirts help me. Just an idea because in the end I'd have to get rid of the car to pay the insurance.....

• ANSWER:
  Insurance doesn't randomly drop, because you move.

  Call them, and tell them where you live, and update your insurance.

  It's not hard.

QUESTION:
Where can I find "cheap" car insurance for Manhattan?
I recently moved to Manhattan and had to bring my car. I had plan on selling it, but with no luck. So now I have to keep it and now I have no insurance. The car is in "storage" right now. Can anyone suggest a "cheap" insurance company to me. I have gotten quotes from Geico, Progressive, All State, State Farm, Nationwide, who all either denied me for a lapse I have had or they cost twice as much as my car payment. I know that I am reaching for the stars.

• ANSWER:
  Regardless of who you decide to use, amounts will vary depending on what kind of coverage will you have. Just Liability?Collision?Theft?Vandalism? it all depends on your driving records, the state you live in and how long you are willing to search around...

  Simply get off the net, pick up a phone and start dialing! it isn't as if it costs anything.

QUESTION:
I'm planning on getting Life Insurance through State Farm. I'm 18. Is this plan good?
Me being 18, they told me its the best time to get it because it's the cheapest I'll be able to. They quoted a 25,000 dollar plan at a month, which will NEVER go up, even if I'm 84. Unless of course I upgrade to a 50,000 dollar plan. I have car insurance already with them, and it would make my car insurance go down by 4 bucks a month. Is all this good?

• ANSWER:
  You have a lot of negative comments here from people who do not know who you are or what the financial situation of your family is.

  In part of my business I sell voluntary benefits through payroll deduction. I work with low income individuals in Washington DC making .00 per hour. These people routinely sign up for a life policy just like the one you are talking about. Many of these people have had to deal with the uninsured death of a loved one and could not afford to properly bury their own mother or brother. Most of them will never have investments that will bring them financial security. this is the one thing they can do to make sure they leave a little something behind for final expenses.

  If you fall into this category get the ,000 policy.

  If you have health insurance and your parents could easily pay for you funeral and any other final expenses you may create then you can skip the life insurance.

  I ask about health insurance because I have seen a 21 year old die after many weeks in intensive care from a car accident. He did not have health or life insurance. His parents were stuck with a huge medical bill and funeral expenses. If you don't have health insurance would your parents just pull the plug to save money or would they accept responsibility for the medical cost.

  Your agent will get paid about 2 for selling you the policy. and you will lose 6 per year or .50 per week. .50 won't even buy you lunch.

  You could also ask your agent for a term quote for per month. But either way it would not be a waste of money.

QUESTION:
What would insurance cost for a 16 year old?
I turn 16 in two weeks and i might be getting an Infiniti G35 coupe. We have state farm and i can't due a quote since i don't have my license yet. Can anyone give me an idea of how much the insurance would cost?

• ANSWER:
  bro its goin to cost you about 500-600 bucks a month and thats becuase your driving that infinite. usally it would be about 300-400

QUESTION:
Where can I get an affordable liability insurance for my new cleaning business in California?
I'm trying to open a new residential cleaning business. I already got a quote from state farm but it was way too expensive. 2500 dollars per year. I'm new in this, so, I can't afford that amount because I don't even have costumers yet. Thank you!. I really need an advice especially if you have a cleaning business!

• ANSWER:
  www.cleanuptheprofit.com tells you

QUESTION:
Best car insurance ?
I am 24 and will be 25 in March. I just moved from Alabama to Atlanta, Georgia for work. I just graduated college and started working. I am in the process of getting car insurance. I have been covered in Alabama with State Farm insurance. I called to see if I could just switch the policy over to the state of Georgia but they said I have to start a new policy. I was covered under my parents which was a lot cheaper. I know my rates should go down when I turn 25 in March but I have to get insurance now. What would be the best insurance to go with. I have a 1999 Nissan Pathfinder. I have had 1 speeding ticket and 1 wreck. There wasn't another car involved in the wreck and my car was totaled. Both the wreck and ticket were around 6 years ago. A couple questions.. Does my credit get checked when getting a quote for car insurance? Will my score go down each time I get a quote? My score is around 750.

• ANSWER:
  If you are concerned about costs, get rates from multiple insurers that you would feel comfortable with (When I did mine, I did Allstate, State Farm, Nationwide, Cincinnati etc and it turns out that the one I was covered under with my parents before they switched to Allstate because Allstate was cheaper for them was actually cheaper for me). Your credit score will most likely be checked and it won't go down unless you have 3 consecutive checks. Your credit score is very high so you have nothing to worry about. If your ticket was that long ago, I'm sure it's off your record (I'm pretty sure they only keep it for 5 years).

QUESTION:
How much is the average insurance payment per year for 16 year old drivers?
My son just turned 16 years old and I bought him an audi TT, the quote i got from state farm was ,700 per 6 months.....i currently pay ,000 per 6 months with geico....does ,700 sound right?? it sounds bit a lot for insurance even he is 16....is there any cheaper way?? like i'll say i drive 70% of the time and he would drive 30% or something??

• ANSWER:
  There are few if any options for a person of that year. Consider that your child is 16 years old, the starting age of legal driving. Also consider than males always have higher insurance than females. You also have to consider that you just bought your son an Audi TT. The car retails for ,000CDN. The only way that you could possibly decrease his insurance payment is send him to a registered driving school or make him the 2nd or 3rd driver.

QUESTION:
Does American Family Insurance charge a cancellation fee?
I'm planning on canceling my car insurance with American Family, which I have held since I was 16 (I'm 22). It has gotten too expensive with my new car, and I have gotten a quote nearly half the price with State Farm. Will I be charged a cancellation fee?
I'm in Illinois.

• ANSWER:
  It's going to depend on what state you live in. You will have to ask your agent.

QUESTION:
Has anyone from Florida had any experience with Tower Hill homeowners insurance?
We're insurance shopping after we found out State Farm is charging us WAY too much. Tower Hill has given a great quote but I can't seem to find one their customers to talk to. Has anyone dealt with them?
Tower Hill has been around for quite a long time. 40 Yrs. Financial rating is down because their back up insurance is Lloyd's of London rather than the state of Florida. I'm looking for someone that has dealy directly with them.

• ANSWER:
  Tower Hill is AM Best rated N-4. That means, they've asked the organization that rates the financial security of insurance companies, to NOT look at their numbers.

  They're a new startup company.

  There's no way, I'd move from State Farm - if they're still actually offering you a policy - to a new startup company that is UNrated by AM Best, that won't let them look at their financials. Come claims time . . . there's a real strong chance you flat out won't get paid.

QUESTION:
I have a deffered judgment in Iowa does this rule me out for becoming an Insurance Agent?
When I was 18 I was arrested for 2nd degree theft in the state of Iowa for stealing from my job. Currently I work for state farm calling and doing free auto quotes my boss wants to make me full time however he does not know about my record and I dont want to bring it up and have it effect the possibiliy of a job but I also dont wanna pay all the money just to be let down.

• ANSWER:
  most of the time when an employer hires someone full time, they will require you to sign an authorization to get your personal records.

  ie; credit,

  most do this and since this is state farm which is a big company is probably standard procedure. also, if they want to hire you, you will then need to fill out a application, and one of the questions is? how you ever been arrested or had a felony? if so, what was it for?

  a lot of companies if you have bad credit or a criminal record, will not hire since they believe you will be a bad risk and with stealing that will set off "red flags". as an agent, you will be handling money from clients and with stealing, they could expose themselves to liability from clients who dispute if money received or paid on their policy.

  i suggest you pay off that debt asap. you may want to also contact a lawyer to see if they get this off your record. i believe 2nd degree would still fall under a felony, so you would want it changed to a misdeameanor, so you would answer no to a felony and still tell the truth. or the lawyer maybe able to get it taken completly off if the debt is paid off, but only a lawyer can guide you on this

  either way, anytime you apply for a job, this record will be following you and could prevent you from getting a good job, or stuck working for wallmart for minimum wages.

  good luck

QUESTION:
How to save on auto insurance?
I want to save on auto insurance? If any one can refer me website for accurate quotations then it will be good.

• ANSWER:
  This question gets asked many times each day, everyone of us is different! Just get onto an insurance site, enter your info and the car (it is enough to enter the year, make and model), see what pricing you get.. You can opt out just for minimum liability coverage, no collision or comprehensive, that is if you are willing to forgo the money you invested in the car if you total it and don't care if you are sued in case of serious accident.

QUESTION:
how do I save on auto insurance?
I want to save on auto insurance.....what factors can lower your rate? I need to know things such as an alarm, and kept in the garage, but what other factors can help me getting a low rate?

Thanks everyone

• ANSWER:
  You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.

  Go to: http://www.insureme.com/landing.aspx?Refby=616165&Type=auto

  Take care,
  Casey

QUESTION:
What are some things a driver under 25 can do to save on auto insurance?
I don't mean the basic stuff like drive safely, don't speed, etc. I mean, what are some insider things that you can do? I guess I'm looking for insight.

• ANSWER:
  Get one of those license plate covers that blurs your plate # when speeding through those red lights, the camera can't catch you then. Works for me.

QUESTION:
About how much does a car alarm save on auto insurance?
I know this depends but just give me a GUESS.

or how about; use yourself as an example.

How much do you save, or would you save,
if you had a car alarm?

• ANSWER:
  It depends on the state of course, but as an example, in New York, insurance companies are required to give a 5% discount for a car alarm. That discount is off of the comprehensive portion of coverage only, which is not a very large portion of the total premium. More advanced devices, like LoJack or remote disabling devices can get discounts up to 15%. Under 0 a year is what New York motorists pay for comprehensive, so you're looking at a year for a car alarm, for a tracking device.

QUESTION:
To save on auto insurance bills, every article on the subject suggests dropping collission and comp coverage?
on older cars? Doesn't this ignore the fact that - these coverages are pretty cheap, not huge savings. And if your car is that old and cheap, you're likely poor and can't afford to just shell out 00s in repair or replacement costs at one time!? What am I missing, please?
Personally, I am fully able to fund a new car purchase, but the premium reduction still doesn't seem worth it.

• ANSWER:
  Exactly. Older vehicles (that aren't sports cars) are fairly inexpensive to insure as far as collision and comp are concerned. Another option would be to bank 00 bucks and then raise your deductible to 1K. That way you can 'self insure' any losses up to a thousand dollars and still save some on insurance premiums. Face it -- until lawyers and greedy people back off the insurance companies the rates will NEVER see a significant decrease.

QUESTION:
What are some discounts that many auto insurance companies offer that might help save some money?
10pts to best answer. Question about auto insurance policies?

I just earned my drivers liscence. My father is dreading the cost of adding another driver to the family auto insurance policy. What are some discounts that many insurance companies offer that might help save my dad some money when the premium is due?

• ANSWER:
  Depends on the company and the state that you live in. Auto insurance is regulated by each state so it can differ from state to state.

  Some companies might offer:
  -Good student discount (if you have a B or better average, so 3.0 or higher)
  -Driver Training discount (if you got your drivers license through an 'on the road' driver training course and got a certificate stating you completed the course
  -Some companies offer a book to be completed to make you designate driving goals to make you aware of your driving skills.

  If there are 3 cars in the house and 3 drivers in the house, you will probably have to be put as a primary operator of a car, BUT if threre are 2 cars in the house and 3 drivers in the house you could probably be rated as an occational operator of the vehicle.

  Just offering some suggestions for you!

  Hope this helps. Good luck.

QUESTION:
Many executives will save an organizations money by not having auto insurance on the fleet of company vehicles?
Many executives will save an organizations money by not having auto insurance on the fleet of company vehicles, whereas, in their personal finances, they will carry insurance on their family car. Take something from your experience that illustrates the difference in attitude from the point of view for an individual to an organization. Explain why the organization attitude toward risk is different from the individual attitude.

• ANSWER:
  The point of insurance is to spread out risk to mitigate a loss that would pose a substantial burden. For a corporation, an entire fleet of vehicles averages out the risk, whereas for the individual there is a great amount of uncertainty in driving only one or two cars. Also, corporations have a much different definition of what a loss that is a substantial burden- for the individual, a wreck that does 25,000 in damage would be hard to swallow, but any company with a fleet probables does millions per year in sales.

  For the record, I highly discourage a business from taking such a strategy, but don't feel like going into all the detail.

QUESTION:
How do I save money on health insurance and auto insurance?
I have 2 kids and 3 cars. Is there any way I can reduce the health insurance and car insurance price???

• ANSWER:
  You can try and raise the deductibles

QUESTION:
How to Save On auto insurance quote online?

• ANSWER:
  You just search around a lot!

QUESTION:
Is it a good or bad idea to change my auto insurance provider to save ?
6 month policy to go from 97.90 to 90.90.

Analysis on future rates?

• ANSWER:
  It depends on who you are insured by now and where you are going. Insurance companies frown upon people who consistently change their carriers and give more benefits to people who stay with them longer. is very little money to be messing wtih consistent coverage.

  Who are you going to and from? If you are going to go to a National Chain like State Farm, I would say it's a smart decision. If you are going to a local insurance agency, you are giving up better customer service, more resources for your claims, and the ability to take your insurance with you should you move to another area.

  Make a smart decision, but if you are changing companies just to save a penny a day, I think you need to reevaluate.

QUESTION:
how much will i save on my progressive auto insurance by parking in a garage?
is it a big savings? any estimated dollar amnt? i live in an average sized city in MN if that makes any difference

• ANSWER:
  There will not be a price difference whether you park in a garage or outside. That is not one of the factors which affect your premium.

  As far as location - generally premiums are rated by territory - and the larger/more busy the city - the higher rated the territory is.

  It is nearly impossible to provide an estimated price without having your MVR (motor vehicle report) run & knowing prior losses.
  Your best bet to get the best price is going to an agent - paying a or dollar processing/policy fee & having them find the best rate for you out of their companies. Most agencies/brokerages work with at least 10 to 15 different companies. It's worth going to a few different agencies as well as checking out AAA & Costco insurance.

QUESTION:
How to save money on online auto insurance with a hybrid car?

• ANSWER:
  Same way as you save money on normal cars, plane tickets, plasma tvs etc

QUESTION:
What auto insurance company actually help you save money ?
Please base this on actual experience. I want some good advice. I have State Farm for now and I want to save.

• ANSWER:
  There are plenty of insurance companies that are cheaper than State Farm. You can go to Progressive's website and they compare for you. If price is your main concern, State Farm is probably not for you, if you want service and a company that will pay your car to pre-wreck condition, Stay with State Farm and avoid the headache of the smaller companies. Here in Louisiana, State Farm, Farm Bureau, and Allstate pay the best labor rates to shops and have what I think are the best policies for returning your vehicle to pre-accident condition. Smaller companies pay less for labor and sometimes cut you a check as soon as they look at it, based on their labor rate, not necessarily your preferred shop's rate, hoping you will cash it and shop for someone to repair it for the cheapest. I would prefer to pay a little more and not have to fight with the discount insurer's policies of using aftermarket sheetmetal, and not wanting to pay to R/I (Remove/ Install) everything associatied with the repair.

QUESTION:
Looking to save on Auto insurance costs in Minneapolis/St. Paul, Minnesota, any tips or ideas?

• ANSWER:
  The best thing would be to look around at lots of different insurance companies and to get multiple quotes. That way you will be able to compare the plans and the costs. Also keep an eye on what the companies offer and make sure that they are all providing the coverage that you need, since each state requires different types of coverage. Also ask your friends and family for advice and suggestions. Many times they may already know a good company that they would recommend.

QUESTION:
How much do you save on your auto and homeowner's insurance this year?
I am looking for a way that can save me even more on my auto and homeowner's insurance. Can anybody share me their best way to save on their auot and homeowner's insuarnace?

• ANSWER:
  I save 0.00 this year on my auto and home oner's insurance thanks to my friend. All I did is I call 1-877-855-8111 using the PIN#: KXMC9 and Rep Last Name: DU. Within 10 minutes, I got quotes from nine difference inurance companies and I pick the best price quote which happen to be The Hartford. I cancel my policy from AAA and pick Hartford and I save 0.00. I am very happy about the service and the money I save.

QUESTION:
Will buying auto insurance with my bf save us both money?
We live together and have a child together. We drive each others cars a lot. Will it benefit us to get a joint policy?

• ANSWER:
  If you both have good driving records and are similar ages then you will likely be able to save money due to a multi vehicle policy discount.

  However, most company's will require that the vehicles be registered in both of your names. At least have them both registered to the named insured. This isn't always required but is general your safest bet.

  Call your agent to check it out and the restrictions on registration.

QUESTION:
Is it possible to save hundreds of dollars in auto insurance and how?

• ANSWER:
  The easiest way to save hundreds of dollars, is by cutting your coverages.

QUESTION:
Would it save money to divide family members onto two different auto insurance companies instead of just one?
We are trying to reduce our monthly car insurance payment. There are 4 adults on the family policy. My 2 kids live at two different addresses. One is 22 and the other is 24. We have a 2000 SUV, a 2006 Saturn, 2001 Toyota Echo, and 1994 Ford Taurus. We want full coverage on all except the Taurus. Would it save to divide the family onto different 2 different policies from 2 different companies?

• ANSWER:
  Yes, that would probably help reduce cost. 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

QUESTION:
does AIE auto insurance really save you more money that geico and allstate?

• ANSWER:
  For some people, yes, for others Allstate is cheaper, still others it's Geico.

  There are SO MANY factors in your auto insurance rate that there is no ONE company that is cheaper for everyone. If there was wouldn't EVERYONE have it?

QUESTION:
Do you think it is smart to have limited tort and auto insurance it saves 0 a year.?
I can save 0 dollars on my insurance if i limited my tort. I can still sue for major injury and for DUI if a driver hits me but i am limited in other ways. Good idea or bad?

• ANSWER:
  Bad Idea, you never know what can happen, insurance will find any reason to wash their hands..don't give them any more.

QUESTION:
do you actually save with progressive or geico auto insurance?
I checked it out and both places want like 4 times what I pay now!

• ANSWER:
  geico is definitely a joke! progressive was actually the lowest for me in my area.

QUESTION:
i would like to save $ this yr. but my auto insurance is too expensive, I've been driving for 5 yrs. but I'm
still paying 0 every six months, without ticket & accident.. which auto insurance company i should go, to save $ but same coverage? please help me to find a good auto insurance but it wont hurt me! thanks alot

• ANSWER:
  geicko, allstate, American National, progressive

QUESTION:
Has anybody dropped their auto insurance or home owner's policy to save money?
Some states allow you to prove "financial responsibility" instead of purchasing auto insurance. If you don't have a mortgage, nobody will force you to buy homeowner's insurance. Has anybody done it? How does it work? and would you recommend it? I think insurance -- any insurance -- should ONLY be purchased if it is a good deal financially, and if not, why should you if you are willing and financially able to take the risk yourself? Shouldn't it be a goal to become self-sufficient whereever possible?

I would like to hear your comments.

• ANSWER:
  Hi again, your friendly insurance guy again.

  Plenty of people drop their insurance to save money. Is it a good idea? That depends.

  Each person's situation is different. Some people have the financial means to self-insure. Insurance is something a consumer purchases to push risk away from himself or herself. If you have the means to recover from any loss, no matter how severe, you probably don't need to insure against it except as a convenience.

  The thing to keep in mind, however, is that the real risks consumers should use insurance to push away from themselves are the BIG risks, not the small ones. Health insurance, for example, is at its most powerful as a ward against the risk of having to pay for the expense of severe, long term, debilitating types of illness that cost incredible sums of money, like needing dialysis for the rest of your life, for example. Sure, it's nice to have the co-pay instead of the full cost of the checkup, but that's not the real risk health insurance is protecting you from. Having to pay for a few checkups a year probably won't render you a financial wreck. Paying for three years of chemotherapy might.

  In the end, what it boils down to is this:

  Most people will never be in position to need the full benefits of the insurance they purchase, and that is a good thing. That's not nexessarily a reason to cancel it. People DO get cancer. People's houses DO burn down. People DO get into car accidents and get sued for millions of dollars. Ask yourself if you're prepared to look yourself in the mirror some day and say:

  "Well, I guess I was wrong, it actually COULD happen to me."

  Or worse, to your family:

  "I'm sorry, I was wrong, I wish I had kept the insurance but I didn't."

  As a person in the industry, let me tell you: Occasionally the phone rings at the agency and that second guy is on the other end of the line and the conversation goes like this:

  "Can I get the insurance back so it will save my family?"

  And then one of us has to try to figure out how to tell someone who's going to die that there's nothing we can do to help him any more. You have no idea just how awful it is to get that call.

  So yes, you can cancel your insurance to save some money. Please decide if the risk you take by doing so is the right choice, and choose wisely. If you have the means to self-insure, by all means make whatever choice you wish. If not, be cautious and consider the wisdom of erring on the side of discretion.

QUESTION:
If you are 17 years old and live in NJ can you save on auto insurance if you show proof of enrollment?
in a driver training course? [6 hrs driving]
in a driver training course? [6 hrs driving]

or show proof of COMPLETION? [thx]
If i get my permit as a 17 year old [ not 16 ] , I don't have to [by law] do my "6 hrs" with a driver training facility.

However if i do, can i save on auto insurance if i completely the 6 hrs?

• ANSWER:
  Insurance companies don't want proof of enrollment. They want proof of completion.

  In NJ unfortunately, insurance for someone your age will not be cheap, AT ALL.

  You got a couple of things against you. Your age, when you first got licensed (assuming you just got your license) and more than likely, no credit history (NJ pulls credit scores for insurance rating purposes).

  If you do in fact go shop for insurance, you best bet is gettin an old car and insuring it for only liability. full coverage would be extremely expensive.

  You could get a good student discount if your grades are good in school. You would have to show proof like a letter from a school official indicating your grade point average and such. Driving training discount you will still be able to get but you have to complete the course first.

  Also, try your best not to get any tickets or into any accidents for the next 3 years.

QUESTION:
First time NSF on my auto Insurance. Any ways to save it?
Hi, my auto insurance company gave me extra on NSF charge for this month. They withdraw money on first of every month now it was my mistake that i did not have funds in that account. Now they sent me a letter stating they will be taking extra this month on 14. Is there any way i can save this money.... like i feel they should have given me a notice at least.........before that extra money..... please suggest a way to save this amount. Thank you.

• ANSWER:
  You have to call the company. Only they know what they can do to help you. Every company is different.

QUESTION:
WHERE CAN I SAVE BIG ON AUTO INSURANCE!?
the general geco safe auto???? ect...

• ANSWER:
  Hey,

  The best way to get cheap insurance is to shop around and get quotes

  Here are some places you get almost 10 quotes within 5 minutes

  http://www.aiquote.net/DiscountCarInsuranceRates.php
  http://www.aiquote.net/2Insure4Less.php

  P.S let me know when you got an insurance policy 50% lower than your current policy thanks to me

QUESTION:
how to save money on online auto insurance?

• ANSWER:
  Buy your own car for cash then get minimum.

QUESTION:
Can I save money on auto insurance, if I change the address on my drivers license?
I live in Los Angeles, CA. I have a very messed up driving record. Countless tickets and 2 suspensions. I never hurt anyone though. I have a 2007 Accord Coupe. The registration has my sister and my name on it. My sisters driving record is perfect. I recently got another ticket so the insurance went up to 0. A month!!! My question is, if I change my drivers license address and get a new car under my sisters name only, would the insurance be cheaper and would it cover me if I got into an accident???

• ANSWER:
  Yes it will but be careful which company is because even if the vehicle has insurance and you drive it and you're not listed it might deny the claim. You should try progressive they will pay the claim no matter who is driving it.

QUESTION:
GUEICO auto insurance company really good to save money?

• ANSWER:
  It's funny that GIECO says they will save you 0 a year, then ALLSTATE says they will save you 0 over GIECO, and some other companies claim even more savings.

  That's 0 a year in savings, and my State Farm policy runs me 0. Does that mean I can now get coverage for as little as 0 a year? NO.

  Don't believe the hype. The advertised rates are bare bones/low coverage rates with a HUGE deductible. To get the savings, you will be giving up something. When buying any type of insurance, compare apples to apples. You will find out that all the companies are closer in price than you think for comparable coverage. The difference lies in how they end up handling a claim. If you ever have a claim, you want to talk to an agent. YOUR agent. Not some dude on the phone.

QUESTION:
Where to save money on auto insurance??
I have a few tickets, old as hell tho...Im still gettin f'd by progressive....other options??

• ANSWER:
  Geico?

QUESTION:
Shopping for Auto Insurance Online, is it Safe?
I have had my identity stolen and now I am very sceptical of shopping online for anything. I am looking to try to save money on my auto insurance by shopping around but can only find companies who want to give me a free online auto insurance quote. People aren't aware that during this online process you must enter your social security number, and all your personal informaion online. That is Crazy!!!
Do people really think that this is SAFE way to shop for auto insurance?

• ANSWER:
  Stick with the major carriers websites. Avoid web sites not associated with a major carrier that offer comparative quotes. The quotes you receive will be estimates and the result will be that the policy will not be issued at the price that was quoted.

  You might also look to be sure you are on a secured site. look for "https" in the URL.

  P.S. Are you secure in your knowledge of the appropriate coverages. Lots more to auto insurance than price. Speaking of pricing you might also passing up a hefty multi policy discount by shopping your auto insurance apart from your homeowners insurance.

QUESTION:
Can your mom save me 20% on auto insurance?

• ANSWER:
  That's pushing it.

  Maybe 19%...

QUESTION:
can I turn auto insurance off and on like a light switch and save $ when I am working on my car & not driving?

• ANSWER:
  You will want to keep an active policy at all times, otherwise you won't save money. The option that would best apply to your situation (and has different availability depending on your state and which company you insure with) is sometimes called "suspended coverage". What it does is keeps Comprehensive coverage (this covers theft, vandalism, weather damage, fire and generally things that can happen to a parked vehicle) but removes liability coverages, which tend, especially for an older vehicle tend to be the most expensive. A WARNING: If you suspend coverage, you cannot then drive your vehicle until you notify your company to change you back to liability. Usually this can be done by phone, but sometimes requires that you wait until the following day to drive the vehicle, as with many companies, coverages become effective at 12:01 a.m. on the date following the day when you contact them to make the change. Also, some companies require that the removal of liability be requested in writing. It's not exactly a light switch, but it could save you some funds.

QUESTION:
What can you tell me about auto insurance deductibles?
My wife just got a new car and while registering it with our auto insurance company, I found out that we have 0 deductibles on both of our cars. Turns out we can save per 6-month policy if we raise it to a 00 deductible? Which is smarter to do?

• ANSWER:
  Deductibles are the portion of the claim you are willing to pay. The higher the deductible, the less the insurance company has to pay, so they don’t need as much premium.

  Choose the highest deductible you are comfortable with. Some people don’t want to worry about having to pay anything if they have an accident, so they choose 0 deductible. They will pay a higher premium because they are letting the insurance company cover more of the risk. Others would rather pay less premium to the insurance company so they choose to take on some of the risk and pay less premium.

  Are you and your wife accident prone. If you have had a few accidents in the past, you might want a lower deductible. If you have not had any accidents or just one in the past, then it is worth it to you to have a higher deducible. If you have high liquidly, and you could come up with a ,000 to cover the deductible in an accident easily, then choose the higher deductible. If you would have trouble coming up with the ,000, choose a lower deductible.

  There are two deductibles on your auto insurance policy. One is for collision and the other is for comprehensive. Collision is when you run into someone or someone runs into you and leaves the scene. Comprehensive is when your windshield is cracked when hit by an object on the road,(like a stone,) or a deer runs in front of your car. I usually recommend to my clients to take ,000 deductible on collision and 0 on comprehensive. I like the lower deductible on comprehensive because today’s cars have windshields that are much more expensive to replace. Nothing is more annoying than to have a small stone crack a windshield,(something totally out of your control,) and you have to come up with ,600 to replace it. With 0 deductible on comprehensive, you just pay 0 and the insurance company pays the rest.

  So, here are four rules to follow when it comes to homeowners and car insurance.

  1. Don’t try to cover the first dollar of loss, but insure against the larger catastrophe.
  2. Don’t cover risks that will have little impact on your wealth, happiness, or success.
  3. Have an insurance expert on your side to help you design the policy to fit your financial life situation.
  4. Save the recaptured premium to help pay future premiums.

  Number 4 is the least understood by most people. I advise my clients to save the difference. For example, if your annual insurance premium with 0 deductible is ,500 and with ,000 deductible is ,500, take the ,000 savings and put it in an account somewhere. Now each year you are saving ,000 of premium you did not have to spend because of the higher deductible.

  Here is how you use the money. In the example above, take the ,000 savings and put it in a Muni Bond mutual fund (federal tax free in most cases) at the beginning of the year. At the end of 10 years at a 5% rate of return, for example, the account will have ,206. Of course we know, insurance premiums tend to increase by small amounts each year, but in this example, you would have paid ,000 in premiums and have accumulated ,206 in the mutual fund. Most people don’t save the premium difference, but you can see, in this case, you have saved almost as much as you spent. Now if you want, you can use the Muni Bond account to subsidize future premiums, or just keep saving the difference. Secondly, if you have an accident a the end of the first year, you have ,000 in the Municipal Bond mutual fund, so you now have the money to cover your deductible.

  The same thing applies to homeowners as well. The only difference is there is no comprehensive coverage on a homeowners policy. The higher deductible, the less premium you pay,

QUESTION:
Speeding Ticket during Auto Insurance Renewal Period -- BEST way to save?
I will be convicted of speeding when i pay the bill....however, my Auto Insurance renewel is coming up....What is the best method to possibly keep my insurance premiums from going up...is it best to:

A) Pay the speeding ticket and get the conviction on my record BEFORE signing up with a DIFFERENT (New) auto Insurance Company?

OR

B) Joing a DIFFERENT (New) auto Insurance company and then pay the speeding ticket (which will show up then as a conviction on my record)?

Thank you.

• ANSWER:
  It really doesn't matter, because the insurance company will ask you about it on the application, and they will also run your driving record. If you don't tell them, you have committed fraud on your application which gives them a way to drop you.

  So, either way they will know and charge accordingly.

QUESTION:
Would you like a free quote on your auto Insurance?
I have the best rates just let me know if you want a quote....home and auto together save's the most money!

• ANSWER:
  NO COMPANY EVER charges for quotes for personal insurance. So you're not exactly giving anything away, ya know?

QUESTION:
How much do you pay for Auto Insurance A Month?
what do you pay a month on your auto insurance. and do you think it's to much or do you save money?

• ANSWER:
  5.

  Vehicles:
  1988 Toyota Supra Turbo
  1989 Toyota Supra
  1993 Honda Prelude.

  Full coverage on all. Yes, it's 5 for all three vehicles.

  I think it's plenty cheap.

QUESTION:
Are all of the automobile insurance companies trying to get you to change because they want you to save?
Is the reason they want you to quite your insurance company and switch to there's because of the profit they make in selling you insurance or because they are really interested in saving you money? Are they thinking of you or their profit?
Is your auto insurance company a crook and cheating you out of your money?
If you switch to some other company, will you switch again the next time you see a different advertisement on TV?
Should the coverage protect regardless of age, occupation, area driving in, needed coverage at the same price in all states?

• ANSWER:
  Every company is in the market to do business and make profits by increasing their customer base. More customers=more business. As the customers increase, the variable costs do increase but the fixed costs remain the same, leading to reduced cost of business. Thus bigger companies can afford to offer their customers bigger discounts. Take the example of The Hartford. It’s a huge 200 year old Insurance giant. With a sound base already established, they can afford to pass discounts and lower prices to their customers. The lower prices attract more customers in turn; more customers lead to lesser prices, so it’s a cycle! As long as an Insurance company is reliable in handling claims and giving you cost effective policies, it’s not cheating you. It’s making money out of honest business and adding to the National coffers as well!

QUESTION:
Can Jesus save me ... money on my auto insurance?

• ANSWER:
  THATS GREAT!!!!!!! HAHAHAHAH!!!!!
  GOD-CO!

QUESTION:
Hebrews and Shebrews: Do you have good advice for saving on my auto insurance?

• ANSWER:
  Being a She-brew, I:
  1) Drive a car that is not expensive to insure.
  2) Shop around.
  3) Make sure to get the AAA discount offered by many insurance companies.

  So now let me ask you this:
  What does your question have to do with religion, and why would you assume that Jews know more about saving money and buying auto insurance than, say, Baptists or Hindus?

QUESTION:
how much is liability only auto insurance in california?
I have a 2000 dollar car, Kia espectra, model 2000, planning to buy liability only insurance for it to save money. I was wondering if anyone could give me an estimation of how much this would cos for one year coverage?
thanks

• ANSWER:
  It depends on many factors, like what car, what age, if it's liability only or fully comp also makes a big difference.
  So, between 0 and 0 a month?
  Also, shop around as prices wildly differ depending who you go with..
  Getting prices is free at
  http://cars.guidearticles.com/InsuranceComparison.html?id=0092
  http://123automotive-insurance.solutionsarticles.com/compare.php?id=ttn92

QUESTION:
auto insurance saving tips?
trying to find who offers inexpensive full coverage and if there is any way to lower the insurance

• ANSWER:
  1..get older...over age 55 is best but over 35 is good..2.dont have and accidents in last 5 years...tickets too...3,,get old car that doesnt need collision ins...4 get lowest ins required...[ like 25.000,,10,000,,25,000....some require 50/35/50..]

QUESTION:
Esurance! anyone out there saving alot of $$ compared to other auto insurance companies?
i need auto insurance any suggestions which company truly saves you money ?

• ANSWER:
  Esurance has low rates, but lots of complaints of not representing their clients well in the case of a claim.

  Find an independent agent, not attached to any particular big box company, and give him your needs and information. Let him search his data base and find the best for you in your circumstances. The side benefit is you will have a person to talk to in case of a claim, not just an 800 number or a web page.

QUESTION:
Is it possible to get liability auto insurance and comprehensive?
I went ot my insurance agent and she told that i cant get comprehensive by tis self that i would need collision. I was just hoping to save money by cutting the full coverage on my insurance into lialibty and comprehensive only. Is it possible? Or my agent was right?

• ANSWER:
  Well, your agent is wrong. If the car is in a locked storage facility and not registered for road use (you turn in the plates) you CAN get comp by itself, as long as you have a second car on the policy which IS registered and DOES have liability coverage.

  Or, you can insure the car for just liability and comp - no collision. Now, if there's a LOAN on the policy, the lender won't accept that - they'll put forced placement coverage on the car, and eventually repo your car if you don't pay the extra 0 or so a month to the loan. But that's not the AGENT'S problem, that's YOUR problem - that's the deal between you and the lender.

  If it were me, I'd make you sign off that you understand that deleting collision means there's no coverage for your car in an accident, and it won't fulfill any loan requirements. And it can't be added on, retroactively, after you get that ,000 bill from the lender. But I'd do it, after you signed off. It's not MY responsibiltiy to be sure you comply with your loan agreement.

QUESTION:
Can you switch car insurance with a pending accident case?
I had an accident about 4 years ago, it was my fault, but the case is still ongoing for that between the two insurance companies. I would like to switch from State Farm to Geico auto insurance to save some money.

Would it be a problem to switch with a pending case?

• ANSWER:
  While it won't affect the handling of your claim (the company who insured you on the date of loss is on the hook), make sure Geico is aware you have an open claim. If they are not aware and they write you a policy, they may void it during the underwriting review. I have had customers in the past get stranded without insurance in this situation. It seems like if anyone would write someone with an open claim, Geico would be in that number, but double-check to be safe!

QUESTION:
What would lawyer costs for an auto insurance company be?
I'm trying to work out a settlement with the auto-insurance company over an injury that happened last December. They're offering ,500, but we want ,000. I was wondering how much it would cost them in legal fees, and lawyer costs if we were to bring this to court. It could help in our bartering if we know they'll be saving money just settling. Thanks.

• ANSWER:
  Some insurance companies consider a lawyer's fees the cost of doing business. So they don't really give that consideration when they value a claim.

  They also know that if you hire a lawyer and sue - you will have to pay your lawyer 1/2 of your settlement plus expenses - a smart adjuster will point it out to you that to you. Be careful trying to ague that the insurance company should give you more because you are saving them legal fees -the company can use that argument back against you. Because if you hire a lawyer - you have to pay him as well.

QUESTION:
How much does the "Gecko" tacked on to your auto insurance to pay for their commercials?
I had a thought the other day when a barrage of “the gecko” commercials kept coming on TV. How can “the gecko” save you money when he’s paying for all those commercials? Then a portion of your insurance premiums must be paying for the commercials. So how can they save you any cash when they’re tacking on extra fees to pay for all that advertising? I think they get you in the door with low rate and keep raising it over the years until your paying way more than you should be.

• ANSWER:
  Seeing that cute little guy on tv makes it all worth it.

QUESTION:
Higher deductibles save me more money on auto / car insurance in the beginning for a newly landed immigrant?
I am a new immigrant to Ontario, Canada. I didn't had >5 years license from the place I've come from. So I had to go through G1 and then G2. Now it is 7 months I have got both.

As a first driver on a newly leased Honda Civic '08 model car, State Farm is giving me 260 on high deductible of 00. They raise it more if I settle it for 00. But, they are giving me option to break the contract whenever I want to WITHOUT a panelty, anytime.

So my idea is, to get an insurance from Statefarm on high deductible for 3 months or so, (and of course drive as safer as I possibly can), and get a second insurance from TD or Belair or RBC after 3 months. Would this lower my insurance after 3 months as a 2nd insurance? Do you think its a wise step to take? Of course I should not run into accident but I cannot go lower than 00 as a deductible for sure, I would have way too high premium on 0 or 0 is out of question.

Please suggest! ... Much appreciated!

I'm based in Missi, ON.
Not to mention, I need a car right now for sure! In fact had the leased sign! So, can anyone help with insurance ideas? Any other company that can be lower at rates for my kind of driver (a bit more at least)?

• ANSWER:
  for one you should wait for 6 months, and after that go shopping. Don't jump into the first insurance that comes along. Took me 3 months to get safeauto 500 deductible and 2 cars only 225

QUESTION:
Is there a drawback to adding fiancee to auto insurance?
My agent is telling me to add my Fiancee to my car insurance policy which saves me about 0 over six months. They are not insuring her vehicle but simply adding her name to my policy as a significant other. Are there any draw backs to doing this?

• ANSWER:
  Not really, if she's got a good driving record which it sounds like she's does. Really just need to make sure your relationship is solid prior to doing so.

  Make sure they add her just as an additional driver. Your listed as the 'named insured'. If she's included in this 'named insured' status, she's able to make changes to the policy. Also, if things ever change you'll be able to remove her from the policy if she's just listed as an additional driver.

QUESTION:
If I change auto insurance companies to get a lower rate, does that look negative on my record?
I could save about .00 monthly if I switch companies. I'm just wondering if that will look bad on my credit or if it will have any adverse effects on anything that will be taken into consideration for future insurance evaluations or reviews for credit worthiness. Thanks!

• ANSWER:
  It will not affect your credit in any way. It is your right and privilege to pick your own company and agent. If this is a good company, go for it. That is a savings of almost 0 a year. Please make sure you are not giving up any coverage so you don't find out the hard way - after you have a claim.

QUESTION:
Do I have to list all additional drivers for auto insurance in Ontario?
I am shopping for auto insurance and noticed that if I include my wife and son in the quote, the insurance jumps from 00 a year to 00. That's almost double and none of them have any accidents or anything. If I don't include them as secondary drivers, can they still drive the vehicle and be insured? And if not, does that mean that every family in Ontario must list all family members that MIGHT drive the vehicle? Answers are MUCH appreciated.

• ANSWER:
  yes you have to list them, because if you don't list all licensed drivers living in the household, and you have an accident, the insurer can deny the claim based on non-disclosure of information. If you don't wish your rates to go up, you could always have an excluded driver endorsement, but this is not really recommended because what if they absolutely need to drive the vehicle in an emergency...there would be no coverage.

  If your wife and son have their own automobiles insured elsewhere, or say your son is listed on your wife's policy, your company would likely not charge for him on your policy. They will just require proof that they are insured elsewhere.

  Or, if that's not the case, how about listing both, but having your son pay for his share of the premium? If he's listed on your policy, it will be to his benefit in the future, because he'll maintain a continuous insurance record, which will save him tons when he decides to buy his own Mustang.

QUESTION:
I NEED A CHEAP AUTO INSURANCE ONTARIO?
I have my g2, i am 19 years old, and i am trying to find a cheap insurance to quote me on a cheap car....its only a 99 cavalier 4 door. I have done a lot of online quotes and i have basically gotten the same quote around 0. I would like a quote more around the 0 range!! Help! Anyone know of any cheap auto insurances??
Thanks!!
Carley.xo

• ANSWER:
  Not going to happen, especially if you live in the GTA. 0 per month is actually pretty reasonable considering market conditions. 19-20 year old single males are the second most expensive insurance rating category for personal lines auto, the most expensive being single males 16-18 years of age. 0/month is a pipe dream, regardless of which vehicle you insure or how minimal the coverages you choose. The only two things I can recommend is keep shopping around (don't get your hopes up) or wait a few more years before purchasing a vehicle. In the meantime if your parent's/grandparent's are insured try and be added as an occasional driver under their policy. There will be a hefty additional premium to do this, however you really need to be insured for a year (and obtain your G license) before you'll see the premiums decrease.

QUESTION:
My auto insurance lapsed for one year due to unemployment. Can I get insurance in Ontario now? Where?
My auto insurance lapsed for one year due to unemployment. Can I get insurance again in Ontario? Help! I just got a job! I never had an accident, no tickets. I called an insurance company for a quote and told them about my employment situation , they hung up on me twice!

• ANSWER:
  Yes you can get auto insurance again. In fact as long as you were insured for at least a year and were not cancelled by the insurance company (i.e. you were the one who properly cancelled the policy), then no insurance company in Ontario can rate for the lapse of insurance. However if I were you I'd call a local insurance broker and ask them for a quote rather than calling insurers directly.

QUESTION:
Ontario Canada Auto Insurance Companies. Can you recommend one that is reasonably priced.?
My insurance premium went up 0.00 in one year with my current insurance company. (No convictions), just a different car with a different rating. I did a quote search on line with Kanetix.ca already.
Any other suggestions.

• ANSWER:
  My husband and I have been using Belairdirect.
  They're online, in Ontario, and have always been very helpful. They were the cheapest we found, and offer a [FAQ-ANSWER] deductible, million coverage. A few months ago, over winter, our rear windshield cracked and then blew up completely. They covered it entirely (not even a deductible, and no questions asked).

  I highly recommend them. Check them out at www.belairdirect.com

QUESTION:
How much should I expect to pay for auto insurance in Ontario?
Gender: Male
Age: 22
G1 license date: October 2009
G2 license date: January 2010
G license date: January 2011 until now
Type of vehicle: Brand new Volkswagen Golf 2.5L 3-doors
Accident record: None

I tried to get a quote online, and ended up to - per month. Is it normal?

• ANSWER:
  Hello,

  It does depend on your location: in some areas of Toronto it is 0 per month!!! But take a more remote location, you'll be better off with 0-160. Quote of /mo does not sound right... not for Ontario anyway...

  Good luck!

QUESTION:
Cheap Auto Insurance Ontario Canada!?
Hi I am a 20 year old Female driver, I have never been insured before and looking to buy my first car are there any sites where i can get quotes. I am from Hamilton Ontario Canada. I have been in two accidents in the past 4 years
also i was at fault for both the accidents, =/

• ANSWER:
  With two at-fault accidents you only qualify for three companies: Perth Insurance, Jevco Insurance and the Facility Association. The Facility Association is the insurer of last resort in Ontario, and they'll insure someone when no one else will. None of these companies will quote you online, you have to call an insurance broker in Hamilton to get a quote with these companies (yes this means actually having to talk to a real human being). I work with all three companies and I quickly ran some numbers through my rating software. Unfortunately I don't know: the exact date of the accidents; how many years you've been licensed; the vehicle you have or where your exact location in Hamilton is; however if one of the accidents occurred within the last year and you had a 1990 Chevrolet Cavalier, Jevco turns out to be the cheapest of ,100 for minimum coverages. This is not an exact figure, but it will give you an idea. Contact a local insurance broker for more exact figures.

QUESTION:
ontario auto insurance claim?
My car was slightly damaged by a student at the local High School. She left her name and phone #
When I looked at my car it did not seem too bad....two paint chips and a scuff. I felt bad for her and told her it was not too bad and she told me "You should see my car,it's pretty bad" I got a quote for repairs, just over 300.00. I was surprised at the $$. Her father was really upset and more or less accused me of lying saying that I told his daughter my car only had a scuff mark. She hit the license plate on the front and sliced the rubber holder and the damage was to the right of that. I'm a Senior Citizen with a good driving record and have not made a claim on my insurance in 40 yrs or more. Now I don't know what to do. It's too little to put through insurance as I have a 500.00 deductable. If they refuse to pay and I have to fix it, what is the best way to go about recovering the money. Small Claims court or ??
I have not reported it to my insurance yet as I thought it was going to be sorted out privately.

• ANSWER:

QUESTION:
Auto Insurance in Ontario, Canada.?
I am 17years old with a g2 license. I'm wondering if there is any place that will insure me on a 1995 golf gti 4cyl. All the quotes I did range from 455-900 a month which is INSANE! I can't go under second driver period. I need insurance! Where should I go... any good brokers...

• ANSWER:
  Try Belair Direct. They've got some pretty good rates, and advertise on college campuses, so probably cater to younger drivers.
  belairdirect.com or .ca
  (can't remember which)

QUESTION:
Company offering lowest auto insurance rates in Ontario ????
Could anyone suggest me the company offering low insurace rates in Ontario, Canada.
I have been trying to get quotes online, but all the companies I tried, gives me quotes which is double than the renewal amount of my present insurance.

Thanks in Advance

• ANSWER:
  Listen you can do it by simply looking at the classifieds part of the paper, anything else will be glad to help, have a good one

QUESTION:
G License Date Ontario?
I have to get Auto Insurance Quote in Ontario but I don't remember my Issuance Date for G License. My current license is valid untill Nov 2013 Issuance Date is Jan 26 2010 because I have been moving a lot. I know insurance companies want approx date but is there a way we can find out by looking at the current license dates when i took my first license ?

• ANSWER:
  Most companies are interested in knowing when you received your G2 license (if you went through graduated licensing). If not then they will want to know the G date.

  You can check with the MTO to get a copy of your MVR (Motor Vehicle Report) or Driver's abstract. It should state on it the first date licensed.

QUESTION:
Cheapest Auto insurance for People 19-21 in Ontario?
Is anyone else in this Insurance mess? theyre Quoting me 566 dollars for most places. can any help me suggest another place that can give me a quote for cheap insurance? im 19 and im buying a Ford F-150 and have my G2.

• ANSWER:
  To get a accurate quote you need to provide more information, such as the year of the truck, whether you have taken drivers ed. ect.

  Get a quote from http://www.kanetix.ca , they compare all the national companies and give you the best 5 quotes.

QUESTION:
I got declined for auto insurance whats the best thing I can do ?
I live in ontario canada and got a quote over the internet, i wanted to insure the car the day i was gonna get it. so then i called TD insurance and asked them to insure me and i told them i never had any tickets in the past 3 years but they found a major driving offence in may 2007. i got caught driving with no licence at all. so then the insurance company found out and they said they can only insure new drivers with clean record. but the record was before i got my actual g1 and g2. I called a broker and it ended up to be 3 times more than i was quoted for TD.
whats the best thing I can do ?

• ANSWER:
  You may have been simply denied for lying. The best thing you can do is shop for another policy and never, ever lie to an insurance company. Many companies have special high risk insurance that they can put you into. It's more expensive but you may not have a choice.

QUESTION:
Canada Car Insurance?
Hi
I am trying to find a rough estimate for car insurance in Toronto. The insurance should be for a normal car, like a ford focus 2000 model. I have 4 years no-claims, married and is 28. I hold a full license (British and South African) and will apply for an Ontarian one when I get there. If anyone has a similar details, please give me your insurance quote...it does not have to be spot on. I got some from websites, but they all seem to be 0+/m which is very high...I only pay £42 (ish) in England, which is already very high as I paid R110 (£8.50ish) in South Africa.

This is for my budget to see what I can expect over there.

Thanks

• ANSWER:
  nobody, I recommend an online insurance quote. It's free and quick to do. http://www.autoadviceonline.com/Auto-Insurance-Quote.html

  Good Luck!

QUESTION:
is this quote accurate for my car insurance?
Hi ;

I'm planning to buy a 1994 Honda Civic.Yesterday , I checked insurancehotline.com to see how much my insurance will cost. I'm a new driver in Toronto-Canada but have 3 years out -of- country experience.
The cheapest quote which was shown is 4900 cdn.Let's be realistic guys , the car is 1500 cdn.How come is the insurance that much.How much is the approximate quote for me?

• ANSWER:
  You are rated as a new driver. Shop around because it sounds too high.

QUESTION:
How can a young person get some half decent car insurance prices?
No I haven't been previously insured, you gotta start sometime!
im 20 trying to get a job and i need a car
no accidents/tickets cancellations
I'm even married! (dont know why that is a factor though)
Live in Toronto

best quote I get is like 0/month!!!! (this country is INSANE)
charge the young person with the 24k/year job the most, and the old people with 65k+ next to nothing!! (INSANE)

and thats without tickets. I get one ticket for a rolling stop, and my insurance becomes HALF MY SALARY

Someone please tell me, what can I do to lower it as much as possible (besides getting a scooter -.-)
Tell me the key things making it high (eg. under 25 yrs old and so on)
advice is greatly appreciated before I go nuts.

• ANSWER:
  I was in the same boat.
  Insane insurance prices for my car.
  I got mad - very mad and paid off my car loan.
  Called the insurance company and asked for minimum coverage (liability only).
  Saved thousands (yes thousands) a year.

  If you can't pay off your car, at least ask them to make your deductibles as high as possible.
  You could be carrying [FAQ-ANSWER] deductibles.
  Just make sure you have the money in the bank to pay for small damages...

QUESTION:
Car insurance costs more than car!?
So i got a 2001 Acura EL premium with 148k a week ago and i was quoted for 7 a month/4644 a year for a car that i got for 00. I live in Toronto and i know it costs more for insurance but its ridiculous when it costs more than actual worth of the car. Should i try sell the car or keep it as i need it for school and work?
am 22 with a G license and no accidents/tickets

• ANSWER:
  Just call a few browers in your area.,.. they-re the one that deal with this sort of things

QUESTION:
Inspection from the insurance company in Toronto?
I am buying an insurance from belair direct insurance company. They were saying that I need to go get the inspection from nominated auto shop. In the quote, I wrote no modification but my friend told me that my car was lowered and has custom spring on it. Is the inspection for checking those modification stuff? Am I going to be ok to buy their insurance like this? Many thanks in advance!!

• ANSWER:
  These inspections are mainly to see if there is any preexisting damage, however if a modification is readily apparent then it will go down on the inspection. Custom springs wouldn't be readily apparent. As for lowering it would depend on how far the vehicle was lowered.

QUESTION:
Teen having major trouble getting auto insurance in Toronto, Canada?
It was about 3 years ago today that I started to save up for the car of my dreams. I saved up, with MY money earned from working, not given to me by my parents, and i'm not some rich kid either.

I call the insurance company and they quote me for 0.00 WTF?! What are my options? This is disgusting to be honest. HELP! (I live in TORONTO, CANADA)
its 0 a month obviously!!!!!! come on people !

• ANSWER:
  Holy crap thats robbery , not even worth driven , I always thought the insurance rates were when I was there a year ago , But that is too high....I payed 0 at the most , I know this sound harsh but try a different car like a Minivan LOL or something ...Thats a real chick magnet.....HA...Good luck...ren

QUESTION:
are there taxes on car insurance?
i got a quote on belairdirect for my car for 285/month (i'm 18 and live in toronto). would it be 285 or 285+tax(with a total of about 320ish?) thanks

• ANSWER:
  No. There are no taxes added to an insurance premium

QUESTION:
when getting a first time car insurance~~~?
i live in toronto, canada and had an accident almost 3years ago driving my father's car under his name is on an insurance.
Right now i am trying to get my own car with my own insurance.
i called "state farm insurance" and told the agent about the accident i had before; to get a quote.
i also told the agent my driver lisence number.
However, the agent doesn't see the accident on her file.
i told this story to my friend and he saying the compnay is in USA so the company could not see the file on their screen.

Now, i am calling other companies for better deal.
if they don't see my previouse accident on file should i tell an agent i had an accident or not????

they can't see the file because i drove my father's car under his name on it or is it because the company is in the USA, notin canada???

• ANSWER:

QUESTION:
bunch of questions about the G2 license. Im getting my G2 in a couple months, thinking about buying a car?
thing is, neither of my parents drive. they dont even have a drivres license. my dad has one from years ago that was suspended a few times for DUIs. anyways thats not the point. I wanna get the car but im really confused about insurance, since most people say "go under your parents policy" I CANT DO IT. so i was wondering, if my mom doesnt have a drivers license, can i still register the car under her name & insure it on her too....but somehow put myself down as primary driver.
I'm 17 and male. if it matters at all here. the car im buying is 2000 Dodge Neon 4DR. also, i live in toronto. my grandfather owns a car & has insurance on it. would i have to register the car in his name & insure it on him too & then put me down as secondary driver. some one told me that if he gets liability insurance for the car, then i dont need to be listed on the policy...

i go to school & work part time, & ive gotten a few online quotes of 0/month for insurance

HELLL NOOOO

also, another question. im buying this car in a private sale. do i have to register it at all even?
or can i leave that as it is & just worry about the insurance.
because i dont know how much the tax will be on the car when i go to regsiter it.
this all seems like a hassle. any work around?
& last question - is it 100% mandatory to wait 8 mnths to get your G2 license. im currently in drivers ed, almost done. i cant for the roadtest just when i finish the drivers ed?

ANY HELP WOULD BE GREATLY APPRECIATED

• ANSWER:

QUESTION:
What is a reasonable price for motorcycle insurance?
I am 19 years old, have been in a low speed collision (only my car) but was not charged, i bought a standard bike (92 gs500e), and i live in a relatively low risk neighbourhood in toronto, canada. So far i've been given a quote at 00 a year. is this reasonable?

• ANSWER:
  For your age, experience and the fact that you bought a sport bike (even though it's entry level), yes that's a typical price for insurance.

QUESTION:
Am I At Fault For Accident Caused By Somebody Driving My Car?
My brother was driving my car (with my permission) and got into a single car accident. My insurance company covered the damages and didn’t raise my rates when I renewed the following two years (rates went down) then I sold the car. I cancelled my insurance, have been without a car for 6 months. Now I’m ready to buy a car but being quoted much higher prices because I have an accident on my record.
I’m about to seek legal advice but I thought I should first ask out here?
Other points to note:
- There was no lien on the vehicle
- Live in Toronto, Canada
- Accident was minor, no vehicle re-brand

Thanks

• ANSWER:
  Yes, you are at fault. The insurance company sees that you were willing to give your car to someone else who caused an accident. That is just as much a liability to them than if you had caused the accident yourself.

  An insurance company is always wary when it can prove that you loan your car to other people who are not on your policy. This will eventually drop off your record, but I wouldn't loan your car out any more.

QUESTION:
Im a new landing immigrant in Canada and i got a G driving licence, what is the best way to get a low auto-ins?
Hi,
Im new here in Toronto, ON, Canada, as a permanent resident. (landed in Canada 10 months ago)
i got my Full G driving Licence last August 2010, after 3 months of my arrival, - as i was holding a drivers licence from another country and they allowed my to go straight away to G test and i passed it-.

Now im looking to buy or lease a new car, but the problem is the insurance companies asking a lot of money (almost 3 times the monthly payment of the car),
For instance a got a quote for a 1.8 cc Japanese car, 2010, brand new, for almost a 0 per month, (After adding the tax and all other costs, with a down payment), which is good, but the insurance quotes i got were in the range of ,000 to ,000 per year!!!!!!!!

Is this a normal price!!!! And what is the best way to get a good insurance quote??

• ANSWER:

QUESTION:
subaru sti or infiniti g35?
My mom has agreed to buy me a 2005-6 sti or g35. i live in toronto canada and already have insurance quotes for both. i am 18. the subaru will cost 100 more per year to insure. and witch one has higher upkeep cost. dont tell me to start off with a POS civic being as i have had one for 2 years already. i want power and dont mind stiff suspension. She said no to the 350z do to it only has 2 seats. give your opinion but dont tell me that i dont nee one of these cars thanks.
i have a friend that got bridgestone winter tires for his g and it drove fine all last winter. and the fact of buying the used sti that scares me is that it might/probably has been driven hard. i can handle the power i have drive my other friends 2007 m3 on numerouse occasions

• ANSWER:

QUESTION:
is this a good deal for a chopper? custom made chopper kijiji?
http://toronto.kijiji.ca/c-cars-vehicles-motorcycles-scooters-pocket-bikes-250cc-custom-chopper-W0QQAdIdZ161301486

i'm planing to get a chopper as my first bike or a ninja 250

so tell me what you think
250cc 0 bux

oh ya i'm 16 and was planing to use it to go to school/work/home
i check online insurance quotes
i got 00 for a yamaha R6
so i'm thinking this it going to be way cheaper
and do you think i can do the msf course with this chopper
thanks

http://toronto.kijiji.ca/c-cars-vehicles-motorcycles-scooters-pocket-bikes-250cc-custom-chopper-W0QQAdIdZ161301486

• ANSWER:
  its looks like a well built machine, but it is a novelty bike with no real purpose, the ninja will give you much more use and a better bike to learn on.

QUESTION:
Any good moving companies within Canada?
I will be moving in Aug/Sept from Toronto, Ontario to Calgary, Alberta.
Know of any reasonable moving companies?
To rent a U haul I got a quote of ,000 not including taxes, insurance and anything else from them plus gas etc.

Because of my car (Toyota Yaris) it can’t tow really anything or be towed behind a truck..

Is there anything under 00 or I am just dreaming??

Thanks!

• ANSWER:
  Moving yourself is going to be your least expensive option.

  Professionals are going to cost you a few more bucks; however, they do all the hard work, they are insured, they drive the big truck. All you have to do is say "put that over there" and "be careful with that"

  Movers to think about:
  BlueBird Relocations
  AMJ Campbell
  North American Van Lines
  Allied Van Lines

  or check them all out at once on www.moveit.ca

  whomever you choose, make sure they are insured, bonded, etc.

QUESTION:
What's your excuse?
Many people who experienced automobile accidents were asked to explain what happened in a few words or less on insurance or accident forms. The following quotes were taken from these forms and were eventually published in the Toronto Sun.

Coming home, I drove into the wrong house and collided with a tree I don't have.

The other car collided with mine without giving warning of its intentions.

I thought my window was down, but found out it was up when I put my hand through it.

I collided with a stationary truck coming the other way.

A truck backed through my windshield into my wife's face.

A pedestrian hit me and went under my car.

The guy was all over the road; I had to swerve a number of times before I hit him.

I pulled away from the side of the road, glanced at my mother-in-law and headed over the embankment.

In my attempt to kill a fly, I drove into a telephone pole.

I had been shopping for plants all day and was on my way home. As I reached an intersection, a hedge sprang up obscurring my vision. I did not see the other car.

I had been driving my car for forty years when I fell asleep at the wheel and had an accident.

I was on my way to the doctors with rear end trouble when my universal joint gave way causing me to have an accident.

As I approached the intersection, a stop sign suddenly appeared in place where no stop sign had ever appeared before. I was unable to stop in time to avoid the accident.

To avoid hitting the bumper of the car in front, I struck the pedestrian.

My car was legally parked as it backed into the other vehicle.

An invisible car came out of nowhere, struck my vehicle, and vanished.

I told the police that I was not injured, but on removing my hat, I found that I had a skull fracture.

I was sure the old fellow would never make it to the other side of the roadway when I struck him.

The pedestrian had no idea which direction to go, so I ran over him.

I saw the slow-moving, sad-faced old gentleman as he bounced off the hood of my car.

The indirect cause of this accident was a little guy in a small car with a big mouth.

I was thrown from my car as it left the road. I was later found in a ditch by some stray cat.

The telephone pole was approaching fast. I was attempting to swerve out of its path when it struck my front.

I was unable to stop in time and my car crashed into the other vehicle. The driver and passengers then left immediately for a vacation with injuries.

• ANSWER:
  "The dog ate my license"

  Those are some really winners