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How to get a free rate quote for apartment, car and health insurance?

Editor — Fri, 12 Mar 2010 10:49:55 +0000

I’m doing a school project for economics. How to get a free rate quote for apartment, car and health insurance?

How do insurance co use descriptive statistics & probability dist. to project health & auto insuranc premiums?

Editor — Fri, 12 Mar 2010 10:49:53 +0000

How do insurance companies use descriptive statistics and probability distributions to project health and auto insurance premiums? In regards to age, why is there an inverse relationship between the two premiums?

I’m being low balled by an insurance claims adjuster for damage to my car, now what?

Editor — Fri, 12 Mar 2010 09:52:02 +0000

I had a claim against a guys insurance company for damage he caused. They came out today and did an evaluation and now the insurance estimator is saying that the vehicle needs to be totaled and that I will be offered some low ball figure because my car has prior damage which was only cosmetic and minor nothing structural at all. I know that the vehicle will be worth more than they are going to offer. But I just want a fair price for the car. They suggested that it might take some back and forth negotiations and I need to know how to prepare for that and succeed at getting something fair? Are there any angles or cards that I can play that should give me some leverage against their claims adjuster? Your help is appreciated and thank you for your answer!
Crazy John, What is a solicitor? And How can I find one? Thank you bro!
Where do I get estimates? private seller is what I need dealers wouldn’t give me $300 on a trade in because its an 89. Thanks!
Hey claims adjuster lol, I knew one of you would try to chime in. Thanks for denfending the evil insurance industry lol.
LOL the Adjuster thried to screw me and offered me $435 for ther car. Whjen I told him that their was similar cars selling for $1250 he got spooked and hung up. He called baqck and left me a message and said they were cutting a $1000 check and that I do nothing else. Just wait for my money. So the perceived value of the insurance company really doesn’t equal market value. Thanks for everyones support and help.
Just shut up already fighting saints! You were absolutely, unequivically “NO HELP” whatsoever! In fact don’t answer anymore questions here inregard to insurance. You clearly don’t have a clue of what you’re talking about!

Why do people keep comparing health insurance mandates to car insurance mandates?

Editor — Fri, 12 Mar 2010 06:49:51 +0000

Car insurance mandates are done at the STATE level, in accordance with the Tenth Amendment of the U.S. constitution.

Yet people (the president included) continue to claim that a FEDERAL mandate to buy insurance is no different than being required to cover your car. (Completely ignoring that you have to BUY a car before you must get insurance…the govt’s basically saying they own your body…insure it or be taxed)

So isn’t a FEDERAL mandate unconstitutional unless you plan on writing an amendment to the Constitution so that such a mandate is in accordance with the Tenth Amendment??

http://www.politico.com/news/stories/0909/27384.html

The questions from ABC’s George Stephanopoulos highlighted a politically dangerous new aspect of the health reform debate for Obama – as critics from Republican leaders to the U.S. Chamber of Commerce say his reform proposals amount to a middle-class tax increase. Obama promised during the campaign that Americans earning less than $250,000 a year would not see any tax increases from an Obama administration.

Obama strongly denied that the mandate amounts to a tax increase – saying it was no different than requiring people to have auto insurance and charging a penalty if they don’t. He also said it was important for everyone to have insurance so that people who do carry insurance don’t have to shoulder the load for people who don’t. The excise tax is designed as an enforcement mechanism to ensure people will carry insurance.
train……….thanx for the info.
levon………..thank you for pointing that out.

car insurance question…?

Editor — Fri, 12 Mar 2010 03:49:52 +0000

i got into a car accident yesterday. my policy just started yesterday as well (i know i know). i have liability, my car was totaled, theirs has relatively minor damage compared to mine. their passenger went to the hospital. i was fine. i’m pretty sure it was my fault. so i know my car isn’t going to get covered on this. my question is, i am getting a new car and i wanted to know if it was legal for the insurance company to drop me now or if they have to wait until the policy is up (which is 6/18). i already know my rate is going to go up so that is not my question.
in case this helps, i live in maryland. i have progressive. the accident happened in delaware.
also, i wasn’t doing anything wrong, it just happened, it was at night and i swear i didn’t see them. they must have had their lights on or something, and on top of that, their car was this weird color that’s really easy to miss in the dark. the cop said it was the light, from switching to the green arrow to solid green, there is no transition (i.e. a yellow arrow), it just does it by itself. there are accidents all the time he said.

Insurance Company totalling my damaged vehicle,,,good condition but rebuilt/salvage,,wat to do?

Editor — Thu, 11 Mar 2010 20:53:10 +0000

Hey frends, thanx for the response in my previous questions. I just got the insurance appraiser check my car and she gave me an estimation for repairs at first and when i was on my way for repairs, she called me again and told me to not to do repairs. I had to come back home again, and it was really annoying. The problem of the vehicle after it was smahed in the front part was that:
-> bumpers n headlights, grills, radiators, needed to be replaced,
-> my car can’t be driven normally, i have to hit full throttle to move the car forward while in “DRIVE” ( automatic transmission).

So, i dont know why they told me they’re gonna total it out? I’m just afraid that they might try to give me low compensation telling that it is rebuilt/salvage title, but my car had no major problems, all 4 tires haven’t been driven more than 900 miles, new hoses just one week ago, and it was running good and the mileage was also okay, only the title is rebuilt or salvage whatever, but the car has been working fine. Can I dispute if they give me too low price ? Which pricing type should i look at kelly’s blue book to compare it with that insurance company’s compensation for totalling out my honda civic 97 ? Please frends, I really am in a mess, I can’t accept if they try to give too low compensation. Let me tell ya, the repairs estimation was $ 1178 and that also without estimating the unknown problem with “DRIVE”.
Please help me out friends, I’m waiting for your responses and advice.
i’m so sorry i missed one thing, ,, the insurance company told me that i cud keep the car (maybe they dont wanna deal with salvage title??duhh) and they’re gonna total it out and i can decide wat to do with the compensation, whether to fix or buy new one…. sorry about missing this info..

Should I switch insurer to reduce auto insurance premium?

Editor — Thu, 11 Mar 2010 18:56:49 +0000

I have clean records for 3 years without citations or publicly recorded accidents. However I had 2 minor accidents that dented 2 other cars in the past 2 years. The insurance premium is getting high because of these 2 minor accidents. Will my premium go down if I switch to another insurer since the new insurer will not know about the 2 minor accidents. Does insurance companies exchange claim or minor accident history when I switch from one insurance company to another?

car insurance estimate, please help?

Editor — Thu, 11 Mar 2010 12:50:26 +0000

i want to get my license but im not sure how much the car insurance is going to be. i live in boca raton which is in florida, im a 17 year old boy, and i have higher than a 3.0 gpa… if i were added to my parents insurance do you have any idea or estimate on how much i would be paying a month

Where can I find cheap car insurance for young driver’s in Ireland?

Editor — Thu, 11 Mar 2010 00:50:26 +0000

I am an 18 year old guy,and I can’t find any f****** reasonable motor insurance,because whether I’m 18 or 80 I’m not paying 3/4k a year for a ‘in case’ situation which is most likely never going to happen-i.e a crash.Because I only see driving as a form of driving,not as ‘fun’ or showing off.But I need to have a car to travel.

Does anyone have a prepared list of line-by-line items to compare when choosing an auto insurance policy?

Editor — Thu, 11 Mar 2010 00:50:25 +0000

Just when I think I’ve got a fair quote, I realize there’s a line item missing. I’m looking for a template that lists all the options in all categories (comprehensive, liabilty, collision etc) so I can just fill in the numbers and compare.

Why should men care if women get paid LESS, if they don’t give a DAMN about unreasonable car insurance for men?

Editor — Wed, 10 Mar 2010 18:52:02 +0000

The whole argument with women when asked about how they feel about male car insurance:

“too bad”
“that’s just how it is, deal with it”
“men are irresponsible”
“who cares not my problem”
“statistics say most men can’t drive as safely as women”

So why should I care if women are getting paid less for the SAME job a man is doing since:

Women are usually less productive than men
Women want to be flirtatious in the workplace
Women are always suing for sexual harassment
Women have to call off to have kids or take care of kids.

And I could just use all of the above:

“too bad”
“that’s just how it is, deal with it”
“women are irresponsible”
“who cares not my problem”
“statistics say most women can’t work as efficiently as men”

Since the insurance companies “feel” men are irresponsible based on statistics.
Then men who have seen women consistently under perform ,compared to men, should just pay women less for the SAME amount of work.

BTW the “women pay more for health insurance” argument is old and tired. The Male vs. Female health insurance gap is no where near as big as the male vs. female car insurance gap.
@ I Enjoy: I’m glad you don’t care about my “whining”

Because I don’t care about you’re problems associated with you being a woman: pms, sexual harassment cat calls. I’m a man so It’s not my problem right?
Tristan: Ok sounds reasonable.

Can I separate myself from a DUI even though my auto insurance is held by the DUI’er?

Editor — Wed, 10 Mar 2010 16:59:54 +0000

My car has always been insured under my father’s name. He had a DUI a year ago, and the insurance costs rocketed. Do my rates rise also, or can I separate myself from the DUI and find my own insurance?

Why do insurance premiums not drop as car value does?

Editor — Wed, 10 Mar 2010 12:50:05 +0000

If you insure a new car for $170 month, why doesn’t the cost of the monthly premium go down as the car’s value drops over the years?

If the car’s value decreases 50%, why doesn’t the insurance costs go down?

How can I lower my car insurance?

Editor — Wed, 10 Mar 2010 12:50:04 +0000

I dont know why my car insurance is so high compared to my friends. I own a 2005 suzuki Forenza, I’m married, have no tickets and its still $176.00 per month, while my unmarried friends with nice cars are lower, I thought that being married and not having a sports car was suppose to lower the price. Anyways…let me know how I could get it lower. Thanks
I’m using Geico right now, they’re the ones charging me so much.

what is a good site for FREE auto insurance?

Editor — Wed, 10 Mar 2010 12:49:56 +0000

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

can i deduct expenses like workers comp insurance premium if i’m homeownr & contractor on remodel of my house

Editor — Wed, 10 Mar 2010 08:53:28 +0000

To be the contractor for a remodel in my own home in NYC I have to pay workers comp and disability insurance premiums. Can I claim this to be self employment (as contractor) and deduct these expenses as well as certain other things i incur as the contractor and not the homeowner, such as use of my cell phone, use of my van, etc. when used in a contractor capacity and not the homeowner. I have no contractor income and work a separate full time job so file an individual return. Return includes salary from primary job, some side consulting (self employment) income, and no income as a contractor. But I AM functioning as a contractor so can I deduct related expenses for that?

What’s a good defense for the opposition of the health care bill, when libs compare it to car insurance?

Editor — Wed, 10 Mar 2010 00:53:01 +0000

Getting Insurance qoutes?

Editor — Tue, 09 Mar 2010 22:51:39 +0000

I am 16 just got my license. My parents have collision with progressive. And pay $171 a month (both parents included). To add me to their policy, progressive wants an additional $330 a month. Is it possible to only insure me with liability insurance on a different policy with a different company on the same car???

What are some inexpensive, yet reliable auto insurance companies?

Editor — Tue, 09 Mar 2010 18:54:58 +0000

I need a new auto insurance company, Allstate just raised my rates through the roof. But I don’t want it to be an unreliable company that will drop me for one little crack in my winshield. State Farm and all those companies are too expensive for me (I am a teenager and work part-time). I live in CA. Any suggestions?

How much should I expect to pay for car insurance?

Editor — Tue, 09 Mar 2010 18:54:54 +0000

I’m a 17 year old female that will drive a Vauxhall Corsa but it’s kind of old like this one: http://www.ajb-enterprise.co.uk/wp-content/uploads/2007/09/vauxhall-corsa-club-2001.jpg

Does the amount of lessons/make of car/pass score change the price of insurance? All the insurance sites want me to enter my details, which I don’t want to do.

Is there a big difference between cost when I’m 17 compared with 18?

Sorry for all the questions but thanks (:
By the way I’m in the UK.
Can I just add that I don’t want to add my details because I haven’t learn to drive yet, don’t have a car, don’t know what make of car I will eventually have or anything. Not because I’m being stupid.

have you heard of hillcrest auto insurance?

Editor — Tue, 09 Mar 2010 12:51:42 +0000

well this agent offering me this insurance. but i never heard of them.

i have mercury for 2yrs now…basically they charge me less than farmers insurance….

now, this company offer me bigger coverage compare to what i have. but same price w/auto company(mercury)…and i am totally confused if i should go for it???

any ideas????

Where can I find affordable car insurance in PA for college students?

Editor — Tue, 09 Mar 2010 09:50:53 +0000

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

Insurance coverage after my car was totaled?

Editor — Tue, 09 Mar 2010 07:49:57 +0000

In 2005 I was in an accident, not my fault. My 1997car was totaled, due to a small area of body damage. I kept the car. Comparing notes with my friend, he said I should not have been paying for collision these past 4 years. When I called to tell my insurance company I bought a new car, I asked why my rates didn’t go down after the accident. They said only I could have made a change. Question: what would have happened had I been in another accident that would have “totaled” my car a second time. Would they deny me. Are they obliged to counsel customers about keeping collision insurance on an already totaled car. Do I have any recourse. Could I get a refund. (My question mark key is gone on my keyboard.)

Does high car insurance for young people count as discrimination?

Editor — Tue, 09 Mar 2010 00:51:59 +0000

I’m an older driver now but remember what a nightmare it was to get insurance. Extremely over priced compared to a new driver of an older age. I know its about statistics but how can you judge what a drivers like before they’ve even started driving on their own.
I wrote this which goes into more details to highlight the issue.

http://www.quazen.com/Kids-and-Teens/Teen-Life/Young-Drivers-Insurance-Nightmares.555071

Moving in 1.5 months and getting a car – Should i buy before or after for car insurance?

Editor — Mon, 08 Mar 2010 21:50:59 +0000

I’m planning to buy a car but I’m moving to a new place in 1.5-2 months. Question is, should I buy the car while i’m still at my current address, or wait til I move to the new place?

My concern is the car insurance. I’ve heard people having problems with their insurance when they change their address. If I get a car now and get it insured before moving, wouldn’t my insurance be based on my original address? would my future address be factored in instead? Or should i save myself the hassle, and wait it out til i move to the new place before getting the car + insurance?

Is it also possible to just buy the car, stash it on my future place (the place would be pretty much unoccupied for 2-3 weeks coz of repair + last month on my current add) or register/insure it under my new add even if i’m not staying there yet?

I was doing online quotes for various car insurance co., and all of them indicate that I would be getting a lower insurance on my future address compared to my current on

Where can I find the cheapest car Insurance in NJ?

Editor — Mon, 08 Mar 2010 20:53:20 +0000

I trying to find insurance that is not not less expensive does someone know where I can go to get this?

Good site to compare auto and health insurance quotes?

Editor — Mon, 08 Mar 2010 20:53:18 +0000

I need a nice where I get a list of different auto and health insurance quotes? Any good ones out there?

I need to compare Auto insurance in New York City.Too many companies. I need a matrix or search engine.Help?

Editor — Mon, 08 Mar 2010 10:50:56 +0000

Best Profession For Cheaper Insurance Quotes?

Editor — Mon, 08 Mar 2010 06:51:39 +0000

what is the best professions to hold if you are after cheaper car insurance as i am currently self employed or free lance at least what could i stretch my job description to encompass and save some dough?????????

sorry forgot to mention i live in the UK, where it does matter what your job title is as it shows your level of resposibility etc….

Insurance quote too good to be true?

Editor — Mon, 08 Mar 2010 04:51:11 +0000

At present I have auto insurance from Geico, (which I had taken about an year and a half ago after comparing quotes from Liberty Mutual, AIG, Progressive etc.) On a friend’s advice, I received insurance quotes from 21st Century and Ameriprise and to my disbelief, they are almost half of my current premium. It sounds too good to be true. so I am not jumping and switching.

Is there any catch with these companies? I googled and did not find a lot of complaints against them. How can they offer the same coverage for half the price?

Compare Car Insurance Premiums

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