 My father lives in california, I live in texas is it possible for him to take out an auto insurance policy in ? |
| texas and add me as an additional driver? the car will be registered in texas and my drivers license is texan, although his drivers license is californian ...is this possible even though he has his ... |
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 My insurance company overpaid me one weeks disability check. Do I have to return the money? |
| I was off work for three weeks. The insurance company sent the check 2 days after I returned to work. They actually want me to send them more money back than they paid me. Why do I have to send the ... |
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 10 points for best answer.? |
Are there specific reasons why an insurance company would deny
you coverage for your home. If so, why?... |
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 Should i get earthquake coverage on my condo insurance? |
| I live in St. charles missouri. I just moved here 2 years ago, and we only have tornados , i dont think this is an area for earthquakes. I just signed up for condo insurance with statefarm, and i ... |
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 Must my Life Policy beneficiary have an insurable interest? |
I am confused, some people say yes some no. I understand it this way, correct me if I am wrong:
If I buy a policy on my own life, I become the owner of the policy. As the owner, I can name ... |
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 Insurance, the govenment is bailing out those uninsured! So why bother having it.? |
It is a joke, that we the tax payer have to bail out those who cant be bothered. Pathetic.
Pensioners etc. is fair enough, they have family who should help them first, if not then they ... |
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 If a person opens a daycare, can they get health insurance, if so how much would it cost? |
| I've heard of Aflac small business, and i was just curious if they had others, and what would be the best to get, that's if you could get health insurance like that.... |
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 Health insurance- dependent coverage, prenatal covered? |
| I was just wondering if prenatal is ever covered for a dependent "child" with health insurance? Does it depend on the company?... |
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 Pre-existing condition? |
I have been in turmoil with the temporary insurance company I purchased a policy from a year ago.
Last January, I had a pain in my side for about a week that wouldn't go away so I ... |
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 Car insurance? |
| Is insurance cheaper on older cars?... |
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 Wife wants life insurance for husband that refuses physical and he's 75 years old |
| I am writing this on behalf of my mother. My parents are still married (she is in her early 50's) and my dad is 75. She already has 90K universal life on her husband through metlife, and was ... |
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 How do I live to see another day? |
| I need 50g for my surgery by 2moro, but I can't afford it. I'm 57 and I had to sell all of my assets and pretty much everthing i own I also had to take out most of my money in the bank. My 6... |
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 Long term care insurance - John Hancock or Genworth? |
| Which is a better company to go with, any thoughts? Long term care insurance is so expensive and I don't want to make a wrong decsion, thanks for your help!... |
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 When going to the emergancy room, are the deductable and copay the same thing? |
| I have United Health Care and my copay for a broken ankle at the ER is $100. I paid the copay in the office. I got a $300 bill sent to a collections agency for my deductable. I wasn't aware that ... |
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| Insurance wont cover baby!??!!? |
| im on my parents insurance and have 100% maternity coverage, but their insurance wont cover the baby after he is born! anyone know what i can do?? If i dont get anything how much would it cost for ... |
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 How much should I settle for with insurance? |
| Me and my family was in our car and a woman ran into us. It didn't cause alot of damage to the car the damage was $652. We got that fixed. Anyway I went to the ER with pain and was told I had a ... |
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 Home insurance quotes??? |
| I have just moved into my flat and would like to take out contents cover insurance (i am only renting the flat) what do i need my policy to include????... |
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 Will I get penalized if I have a gap in health insurance for a couple of months when enrolling in new program? |
| When I started my job, the health insurance provider (Cigna) made a big deal about asking me about continuity of care, meaning whether I was covered by another health plan up until I started with ... |
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marco | Same insurance company but different rates? |
Is it true same insurance company but different agent offers different rates? |
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mbrcatz
 |
Sort of.
Each company usually has several "tiers" of rates. Something eligible for high rates, like a youthful driver, might not be eligible for the lowest rates.
For personal insurance, like cars and houses, sometimes an agent has the authority to move you one tier in either direction. If the account has any claims, you are NOT going to get moved in a favorable direction.
For commercial insurance, the agent can negotiate the rates for larger accounts. Larger accounts are usually premiums OVER $20,000. Agents can request "IRPM" credits, usually up to 20%. They can also negotiate adding credits for a decrease in commission paid to the agency. |
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domers13
|
Usually different rates mean different kinds of plans, or different amounts of coverage. Typically, rates are the same for identical plans with the same company, no matter who the agent is. Be sure that you are getting quotes for the same thing. |
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Loollea
|
it would depend on each agency's agreement with that particular company |
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zalak_inc
|
This is actually illegal. One insurance agent might be offering you rebate whihc is illegal. But its possible to get different quote. How? Well, sometimes insurance companies offer special rates for some organized groups like AARP etc. |
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mkulda
 |
The short answer is no.
But, you might be using independent insurance agents to get quotes.
You may not know they are independent agents. There's a chance some of them may be adding some other fees into the equation that makes the quotes look different, although if they are different, they shouldn't be that much different.
Otherwise, you may not be getting the quote for the exact same coverage.
Some agents may be building some things into the quotes differently and thus getting you different rates. |
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Rahul
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Same company may have different plans depending on your age/profile/riskappetite and that may be the reason for different rates... |
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