 What are some good insurance companies? |
| one that will be pretty cheap for a sixteen year old ... |
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 I need the best site for health insurance for a small business? |
| the insurance will be for 3 employees and needs to include dental and vision ... |
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 I had a accident. what options I have? |
Accident wasn't my fault. I have a question
Insurance company phoned me and told that they will pick up the car and repair it. First of all they didn;t see the car. Second thing I want to ... |
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 What is the difference between whole and term life insurance? |
| Which one is better to provide for your families needs if something happed to you?... |
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 Hospital Copay- $200? |
| Why are PCP copays less than hospital copays? Why is there a hospital copay to begin with?... |
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 Life insurance death benefits? |
| My father passed away a couple of months ago. my mother is asking me for help in filling all legal docs, etc. I do not have a clue about this stuff and she is so gullible it scares me. Is there ... |
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 A question about life insurance? |
| A person get a life insurance policy for $50,000 and passes away 4 months later. Can a beneficiary collect the total $50,000 or just what the decedant has paid into it?... |
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 If your car gets totaled and you have full coverage, does insurance go by trade in value, private party? |
| Value, or suggested retail value. Or do they go by any of these? I am trying to determine whether to keep full coverage on my car or not because I am fixing to make a lump sum pay off.... |
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 Insurance major? |
if i am going into insurace business later on, what major should I get my BA on???
Additional Details
i am going to be an insurace agent.... |
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 What exactly is term life insurance? |
| in details please..but i hear you can cash it in..what does that mean...i know what it mean mean...but like what does it mean when it comes to..are you going to owe them something if you cash it in..... |
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 I want to make a claim on house insurance? |
| But they are insisting I give them the exact date that the roof tiles fell off. It was about a year ago (its a long story why I waited so long) but I only have a vague idea of when it was. if I give ... |
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 What's a good life insurance? |
| My stepdad smokes a pack a day, and drives a truck for a living and I was wondering what would be a good life insurance for my mom should anything happen to him since he seems like high risk? They ... |
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 Do Insurance companies encourage crime by penalising the victims with increased premiums? |
| I have recently been a victim of crime. I had my car keys stolen from my house whilst I was asleep, my car has since been recovered but has been written off. Even though I only owned the car for 1 ... |
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 I bought a house one year ago.? |
| Now i find that there was water leakage and damage on the outside wall which was hidden by the vinyl sidings. The seller did not declare anything in the disclosure nor did the inspector find anything.... |
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Looters | Do insurance rates get higher just cause you change the state you live in? |
I heard from someone that thought there was a law that says your insurance rate can be raised just because you changed your state of residency. Is there any truth to that? |
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Insuranceman
 |
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. 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! |
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fth106
 |
Not to my knowledge. Insurance rates differ by territory. If you move from an area whose rates are lower than one you move to, your premiums will increase. The reverse is also true. Just moving from one state to another should have no bearing on your rates. |
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acermill
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Certainly rates can be changed based upon location. If you are speaking of car insurance, those rates are determined by the accident/theft rate where you will be living. Health insurance rates also vary. If you live in a smaller area where a hospital room is $700 a night, rates will be lower. If you're in downtown Chicago where hospital rates are closer to $1200 a night, you're going to pay more. It's all based upon risk and payout potential. |
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amust2407
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It depends on the underwriting guidleines for the territory you move to. I moved from one county to the next and my homeowners insurance went up slightly because the county I moved into had a greater history of tornado and hail damage. The same could be true for your car insurance rates also.
And to answer your question, there is NOT a law that says your rates can be raised because you moved. Insurance is regulated on the state level, not the federal level. That means that it would be impossible for New York to be able to regulate how your insurance could be handled if you moved to Kansas. |
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Lori S
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Your insurance rate is based on where you live. Based on population and many other factors. It can go up even if you move to a different COUNTY! (I'm guessing you're talking about car insurance) |
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fcas80
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Some states have more expensive insurance costs than others. You may be moving into one of those. Or you may be moving into a less expensive insurance cost state.
My son moved from NJ to NC, and his rate went down. If he moves back, his rate will go up. |
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halicon2000
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not a law but its is practiced by insurance companys i was paying $1,200 a year for full coverage it was a 50-100k policy including glass and tow in upstate newyork i just moved to to Tennessee and i got an upgraded policy for 100-300k glass-tow for almost $440 cheaper then my old policy only cause of newyork citys bad rap for car theft and i lived 2 hrs away at the time from nyc |
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src50
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What kind of insurance? Insurance rate will definitely vary from state to state. Insurance is an industry that is largely regulated at the state level. |
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Ms. Humpy
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No I changed states two yearsago and my rates went down ALOT!!! |
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Sue
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Every state has it's own insurance laws. All companies licensed to do business in a state have to file their rates with the state. They file their rates based on claims experience (claims payouts) for each area of the state & each age group, car, etc.
So, moving to another state can make your insurance go up OR down. Also, your current insurer may not be licensed in the state you are moving to so you would have to change companies. At a minimum, you would have to cancel the policy in the old state & start a new one in your new state because different states have different laws and coverages (PIP for example, some states are PIP states, some are not).
Even between 2 states that have similar rates & coverages, you would still have to cancel the old policy & start a new one. |
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