 Health Insurance Gap? |
| okay, so i turn 19 in may and then i can no longer use the insurance my dad gets through his work. my new insurance through my employer doesn't kick in until i've been there six months. so, ... |
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| Is it possible to get a payment extension for my car insurance with state farm? |
| I had some unexpected things pop up and I need an extension, generaly how long do I have to make the payment?... |
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 What are the "bad sides" of a Universal Life policy? |
| I have heard people talk about the good and bad sides of this policy. What are the bad? I cannot ... |
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 Lapsed Life Insurance Question...? |
| My father had a 50K Life Ins. policy that he was paying on for many, many years. I was listed as the only beneficiary. My father passed away in March of this year. When I called the insurance company ... |
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 Medicaid application denied....can't afford my medical bills. Please read I need advice!? |
| I am 19 and my husband is 22. I applied for medicaid last week because I am 5.5 weeks pregnant and today I got a letter telling me that we were denied because our income is over the limit. We can ... |
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 Anyone work for an insurance company? |
| i am interested in working for an insurance company. where do i start as far as degrees, ect?... |
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 Insurance?? |
| okay, so i'm getting my wisdom teeth out in may...but i got a check up and was told since they have to cut my gum and part of my jaw, my dental insurance won't cover it...but medical ... |
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 How much do you pay for car insurance? |
| I am currently a 24 year old male and I think my car insurance company is not giving me the best deal. Who do you get insurance from, how much do you pay and if you don't mind me asking, how old ... |
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 I have an insurance question? |
| If the government regulates and requires auto insurance, why dont they provide it? Flood insurance is provided by the government so why not auto insurance?... |
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 Self-employed.. Hate individual Health insurance..any alternatives? |
| Just got off the phone with our health insurance company who charges our family $400/month (4 of us). They basically cover nothing, and have raised our co-pay for Dr. visit. They said after my $3000 ... |
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 If I give 2 weeks notice to resign from my job, who long will I be covered under my employers health plan? |
My last day of work will be 3-14-08, and I plan to start my new job on 4-7-08. Trying to figure out if I need to sign up for COBRA for the couple of weeks that I will not be employeed.
A... |
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 Am I allowed to switch my car insurance company? |
| Am I allowed to switch my car insurance company if I'm in the middle of my policy with another company? Any penalties?... |
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 How do i get health insurance on my own? |
| i am a senior in high school and i am about to graduate and go to college, I am currently in track so if i twist my ankle then i am done and I haven't have any kind of health insurance since my ... |
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 Appeals Process on a Rejected Insurance Claim? |
| I recently submitted a claim (very legit) and the adjuster has rejected it. Is there an appreals process for this? We have asked the agent and adjuster about this and they say no. But there has to ... |
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 Liability insurance? |
My partner is going self employed as a plasterer, were can he get liability insurance from?
Additional Details
can you recomend a company?... |
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 Brighthouse problems help? |
| i purchesed a laptop through brighthouse last year im paying every single week and i pay the insurance for it aswell but five weeks ago it broke down and i kept paying the payments for it but my ... |
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 Why the heck does car insurance make you pay more...? |
| when you call to file a claim? Like, why do they raise your rates when you call them to use their services that you're already paying for? Someone pryed the emblem off my friends car and he said ... |
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malisto | How can I convince insurers that I'm low risk? |
I'm under 25, haven't had my drivers licence for long and started working at the beginning of this year. The vehicle insurance qoutes that I get are almost double the instalment of the car. Is there a way that you can convince your insurer that you are low risk?
I don't necesarily drink or smoke, if that ever does count. |
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lemurmunk
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The above answers are certainly true, but you should check with your insurance agent because your insurer may have an age limit themselves in terms of when the rates change. My rates were a certain cost until I reached age 26 for a woman and not till my husband turned 28. Some insurance companies have lower cut-off ages, so it's best to ask them if you feel like shopping around for new insurance. It also sometimes depends on what kind of car you drive in terms of safety features (alarm system, ALBs, automatic seat belts).
Some car insurance places have started basing their rates on their client's credit histories, so if you feel you have a low credit score of not so stellar history of bill payments, trying to decrease your debts and keeping up with bill paying may make a slight difference.
The best way to save money on insurance is to keep your eyes peeled for deals by shopping around, and to keep in touch with your agent regularly to inquirer about new discounts you could qualify for (like have they started a safe driving discount? sometimes agents won't apply these to your policies right away, you need to give them a little nudge to rerun your numbers.)
Oh, that and not living in New Jersey. Rates here are just astronomical no matter what you do. |
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acermill
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You can't convince them of that fact. They aren't targetting you personally, but they do target that age demographic, since that is the demographic (one of them) which tends to cost them the most in claims paid out. |
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amason1226
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It isn't your "personally" per sey. More so the make of your vehicle can take a hefty toll on how much you pay per month/6 months/year/etc. Also mentioning to them, while still being honest how many miles you intend to drive is a big factor. Last but not least insurers look at your age, sex and credit report among other things to determine what your rate is. I believe as of last year only State Farm & Safe Auto were the only ones in our area who did NOT do credit checks. If you have iffy credit, this can make a HUGE difference. For me while my credit was not so great, it meant $500+ difference in a monthly payment. When you turn 25 also your rate goes down, because they consider you as less of a risk. Also the area in which you reside could play a factor in your quote. When I lived in a particular apt complex my rate went up about $40 a month because of the local risk regarding wrecks, break ins, vandalism, etc. It wasn't even that bad of an area, but things happening around us caused our rates to go up. Good luck! |
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mbrcatz
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Well, you can't. With auto insurance, the profit margins are SO LOW (actually, average $1.09 paid out for ever $1 taken in), that policies are NOT negotiable. It is what it is.
If you're in a state where there's rate competition, shop around - but all your quotes will be in the same ball park. You're a newly licensed driver, and apparently you have a newer car.
Your BEST bet, is to sell off the car (assuming there's a loan on it with that installment reference), buy a $2,000 car for cash, that's at LEAST 6 years old, and DON"T CARRY COLLISION OR THEFT on it. Those are the coverages killing you.
If you insist on driving a new car, or carrying full coverage, you're going to pay through the nose. |
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bostonianinmo
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Unfortunately you are not low risk. As an under-25 you are in the highest statistical risk category. Only time is going to reduce your insurance bills, but that said you should ALWAYS shop around for the best deal.
Being a non drinker or non smoker generally does not affect auto insurance rates, at least in the US. That said, the vehicle you drive and your driving record will have a MAJOR impact on your rates. A boring old grocery-getter will cost a LOT less to insure than a sports car especially if you are an under-25 male. |
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Jen C
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If you live in the US, auto insurance is usually higher for males. Apparently they have the statistics that prove under 25 males have more accidents than females.
Also most insurances go down when you reach 21 or 24. (That's what happened to me)
It also depends on your car. My brother (under 25) looked into getting his 1996 mustang in his name it was $5000 DOUBLE what he was paying for his 2001 Ford taurus.
Good luck! |
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Ahhhh....Yup
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tell your insurer you are such a low risk you will sign a paper saying you will be 100 percent liable for any claims for the first year. if indeed you are that low of a risk the insurer will take you up on your offer and should give you a better rate |
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