 Whole life question? |
| i hear the old addage "buy term and invest the difference" all the time on this website and many others. its seems to be a very popular saying but how come at the company im about to start ... |
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 What is the best way to go about getting homeowners insurance quotes? |
| I want to shop wisely without wasting a lot of time and dinging my credit any ... |
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 Where do insurance companies get driving records from? |
| I was recently involved in an accident with a cab. The accident was the cab's fault. The cops gave him a ticket. The cab company is self insured and has agreed to pay for the damages. My ... |
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 Insurance company & HIV? |
Does anyone know of any U.S. carrier that WILL cover an HIV positive individual, even if the premiums are high? If so, do you have a link to their website and/or number to them?
Additional D... |
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 Can insurance companies make teens surrender their license if they cant afford insurance? |
ok im a teenager boy and my parents have decided to take me off the insurance because im having trouble finding a job and they cannot afford to pay insurance anymore.
Is it ok for the ... |
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 Why do so many agents on here make broad generalizations and recomendations? |
| I was wondering how so many people who are licensed or claim to be licensed in the field of Life insurance will spout off Suze Orman sound bites about how term is the only kind of insurance that ... |
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 Had an injury at work, Should I get an attorney? |
| Basically I fell off a delivery truck while going my job and fractured 3 verterbre in my lumbar, L2L3L4 but just the "wings" parts. I'm on comp, The DR says I'm gonna be fine and ... |
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 If a person started a new job and bought the life insurance that is offered though the company ? |
| Then works a couple of days over 60 days and has a wreck in a semi truck hauling for the company , the wreck resulted in the drivers death and was declared a no fault accident. He ,the driver had ... |
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 State farm car insurance? |
| recently i got my license and am now added, without charge, to my parents' car insurance. i'm 23 and from texas. my question is, if was to get married, would the company drop me off of the ... |
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 Insurance type? |
| I am going to buy a car with federal or bank credit? And I have a question. What kind of insurance should I buy? For Example: In Progressive; there are 4 different types of insurance. These are basic,... |
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 How can I fight a bogus workman's comp claim? |
| I'm an employer in Los Angeles California and several bogus claims are treating my bussines and the employment of nearly 100 people, I know that those claims are not real but the insurance ... |
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| Anyone recommend a good life or health insurance company to work for? |
| I am 22 and have been sellling lawyer malpractice insurance. My brother has been doing real well selling health insurance but I can't get on with them. I don't have a college degree, any ... |
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 My insurance company refused to pay my bill because I went to see a doctor without appointing a PCP. Any idea? |
| I bought HMO medical insurance through my employer. I went to see a doctor without appoiting a PCP. My insurance company refused to pay my bill because of that. I cannot select one now either because ... |
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 How long after an ER visit can the hospital can a hospital send new bills? |
Hello,
I had an ER visit in 3/2/08 without insurance. I was seen by a triage nurse and discharged. I was told that my bill would be available the following monday. I called the next monday ... |
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 Life insurance, Help!? |
| I am interested in getting life insurance, now I know that whole life is generally better. But what I'm confused about is just the general concept. Say I purchase a $10,000 policy. And I pay on ... |
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Rambo | Can I reduce my Home Insurance cost after two claims>? |
LAST YEAR I HAD TWO CLAIMS DUE TO A FIRE ON MY GARAGE. ONE I HAD TO REBUILD THE ENTIRE GARAGE, THE 2ND WAS JUST MINIMAL DAMAGE, BUT IT STILL RREQUIRED PAYMENT, I BEEN SHOPPING AROUND FOR HOME IINSURANCE BUT EVERYONE GIVES ME DOUBLE THE RATES I HAD BEFORE. I NOW PAY 2,400 A YEAR, WHO CAN TAKE ME FOR MUCH LESS. SEEMS LIKE THE COMPANIES TALK TO EACH OTHER. I NOW HAVE ALL STATE, PLEASE DO NOT RESPOND BY SAYING COMPANIES TALKE TO EACH OTHER OR I AM SCREWED, I ALREADY KNOW THAT, I NEED TO KNOW WHAT INSURANCE COMPANY WILL TAKE ME FOR LESS MONEY (PERFECT FOR INSURNACE SALES OTU THERE). THANK YOU |
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Tevin L
 |
Home insurance covers lots of different things. I don't understand all the fine print of my policy, but my homeowners insurance agent is always helpful. Try contacting your agent or a agent in your area. http://www.easyhomeinsuranceguide.com They will be able to assist you. |
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src50
 |
Companies DO "talk to each other." Have you ever heard of a CLUE Report? |
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Apple
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You are not completely screwed, but all companies take prior losses into account when making rates.
One solution, which isn't the greatest, but may work in your situation is increasing your deductible. |
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PB2u
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What everybody is telling you is correct (CLUE report, higher deductible, etc.) Rather than go to a direct writer (i.e. Allstate, AAA or State Farm) you should try going to an independent insurance agent who has access to several carriers. This can save a lot of the hassle of shopping around.
Sometimes, with certain carriers, if you agree to automatic withdrawl of your monthly installment vs. sending in a check, you can save yourself a little.
Putting your car(s) and home with the same carrier will alomst always give you a "multi-policy" discount.
Check all of your limits - make sure none of them are "excessive". If they are, you can opt to lower them a bit. (BE VERY CAREFUL)
Try to stay with a reputable carrier so that in the event of another claim, you are taken care of.
I've been with Travelers Insurance and it was extremely reasonable for me. When I added my fiance on with his sports car and a recent robbery claim, I found I needed to shop around. I did end up with a direct writer, Triple A, which was SIGNIFICANTLY less.
Try AAA or an independent insurance agent. |
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mbrcatz
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Yep, with two claims on your record, you're not going to find companies eager to take you on.
Best way to get a lower rate, is increase your deductible. A LOT. Like, maybe to $5,000 or $10,000, enough so that at least one of those claims would have been under the decutible.
Yes, all companies share claims losses. There's a central clearing house, called the Comprehensive Loss Underwriting Exchange - CLUE for short. Before they give you a firm rate, they run you through the database, both your name, AND your address - so that all claims either under your name, or at your address, will show up.
Not what you want to hear, but there IS a solution - raise that deductible - A LOT. And just wait out three more years, until those two claims drop off.
Plan b - talk to your agent. See if your current carrier would consider you, with lower rates, if you purchased a central station alarm system, or a direct fire alarm system. Or if the causes of the fire were similar, if you can creatively nullify that cause from cropping up again (like, rewiring the garage). |
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Brad N
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homeinsurance.awardspace.us - you can try this company. I personally have their home insurance. As I know it is a cheapest one in my area for rates after multiple claims. |
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stlblw4d
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Perhaps try to increase your deductible and see if you can also save money by insuring your car and home through the same insurer. I saved my family over $800 a year by switching to Liberty Mutual. I highly recommend them. You can go to their online site and then they will call you, ask you the questions, get you the max discount they can, and then give you a rate. |
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