 Online insurance companies offer Single trip family travel insurance? |
| I came to know that Single trip family travel insurance is really something to watch-on before you out on a tour.In India people do purchase health insurance and purchase medical insurance. How good ... |
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 What is the disadvantages of being a Insurance Agent or Mutual Fund broker ? |
| Want to know the disadvantages of being a Insurance Agent or a Financial Advisor.... |
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 Good or Bad Idea about car insurance: I am a broke college student with a $200 car payment a month.........? |
| I am a broke college student with a $200 a month car payment. My monthly insurance is $240. So every month I am paying almost $450 for a car plus full coverage.And that is with a deductible of $500... |
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 What do you do when Insurance pay out is not enough? |
| We had a lightening strike and lost our tv, the insurance are willing to pay out but the tv they are offering us is no where near the price that we paid for ours (albeit several years ago) and is not ... |
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 Claims or underwriting, which one has better career prospects and job availability? |
| I am abit confused as to what area to go into, claims or underwriting. I have a background in law and I am really interested in the insurance field. I am looking to getting into a field that provides ... |
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 Do we have a lawsuit? |
| my husband is "sub contracted" by my father, basically for tax reasons. He uses all my fathers equipment and does all my dads ***** work basically. he does not do anything on his own time ... |
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 Question about Social Security, Medicare, Insurance? |
| I presently work, and have Medicare Part A. I have Blue Cross Blue Shield through my company and pay about $320.00 per month, my company also pays $320.00 per month. $640.00 per month is excessive. W... |
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 If my ins co got wind that i have a younger brother in the house, and I went with another company? |
| Ok... Stupid me, trying to be nice and help my younger brother out... I did a "what if" quote with my insurance company and since he lives in the same house, they automatically put him on ... |
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 In New York, does a VEHICLE have to be insured or does the driver need to have insurance? |
| I just turned 18 and my parent's insurance company is making a great effort to add my name onto their plan (and almost double the premium). I know in New York, you MUST have insurance to drive, ... |
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 How can I get my HMO to pay my Medical Bills? |
| Hired at a hospital with Medical Coverage. The insurance is Blue Cross Adminstrators They Have not paid my Medical Bills which total over $5000. They ask me to fill out a form of previous coverage ... |
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 Life insurance policy ? |
| my father died in 2002 while i was in my freshman year of college. i just found out my sister who was 13 at the time just got $14,000 back from his policy and my brother who was 17 at the time got 900... |
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 Can my husband & I both carry health insurance cov. thru work? |
| My questions is I guess...Can you have two health insurance coverages for the same people? Like if I got health insurance coverage through work on me & my husband and family and then he did the ... |
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 Individual short term disability insurance for maternity leave? LOTS OF ANSWERS PLEASE!? |
| My employer does not offer short term disability insurance. Anybody know of good insurance companies that offer INDIVIDUAL short term disability insurance? I want to purchase own, personal ... |
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Morsmorde | Does the value of a vehicle affect the insurance that you pay on it??? |
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Sue
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The year, make & model of the vehicle affect the comprehensive & collision premiums (& also possibly the liability & med pay premiums - ABS, airbags, etc). The current value of the vehicle has no bearing on the premiums unless it is worth little, you have no loan & decide to have liability coverage only. If you have comprehensive & collision, all else being equal, whether the current value is $5,000 (high mileage, a lot of wear & tear) or $10,000 (mint condition, low mileage, etc), the premiums would be the same. On the same note, 2 cars with the same current value could have a completely different premium. At the time of a covered loss, you would receive the actual cash value of the vehicle (condition & mileage are taken into consideration here) less your deductible. |
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Lee N
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Yes, but it isn't the only factor. Other factors include the engine displacement (4 cyl vs. 8 cylinder) and the type of unit (4wd vs. sedan). Rating models for vehicles are rather complex and proprietary and include a number of items in addition to the overall value of the unit. |
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NHMike
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Yes. The higher the value of the vehicle, the more you will pay. A more expensive vehicle usually means more expensive repairs which means more costly collision coverage. |
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Kaushik A
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Yes,depreciated cost or current value of the vehicle have affect on your comprehensive and collision car insurance premium alongside make,model,yr.of mfg,safety features,cc etc |
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Chickie
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In general more expensive cars generate higher comprehensive and collision premiums. However, other factors such as how often the car is involved in accidents and how well the car fares in an accident also have an impact. A new Ford Explorer can cost less to insure than a new Chevy Cobalt because the Explorer will usually sustain less damage relative to it's value than a smaller car like the Cobalt. Also, if a car is popular among higher risk drivers (like sports cars are with people who drive fast) that can drive up the premiums too. |
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src50
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Yes, for collision/comprehensive and UI coverage. |
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mbrcatz
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Sort of, sometimes.
Vehicles are rated based on "symbols". The higher the symbol, the more expensive the vehicle to insure, on an actual cash value basis. More expensive vehicles have higher symbols. Sometimes, an expensive car (like a Volvo station wagon, symbol 5) will have a lower symbol than a less expensive, fast car (like a Ford Mustang Convertible, symbol 19).
Then, instead of a standard, actual cash value policy, you might have a stated amount policy or agreed value policy - in which case, you state the amount of coverage up front, and the rates are based on the amount of coverage. |
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