I am planning to enroll my new car. I want a complete coverage but at a reasonable cost. I don’t wanna be spending too much just for my car insurance. Help please…Thanks a lot.
Just get a quote from insurers you get from yellow pages,. the internet, the TV, the radio.
Just don’t go for the first price they quote you but spend a few days collecting data.
Statistics show young men have more accidents so naturally they will pay more for car insurance. IF statistics showed one race got in more accidents or one race had their cars stolen more could insurance companies legally charge more to them? Serious answers only, please.
Car insurance is not "sexist". It does, however, base it’s rates on proven statistical data. Unfortunately, insurance is the one business that must decide how high their experenses will be BEFORE they incur the costs. There can be no profit if it’s just a guessing game. Once the statistics are verifiable, they must be submitted to the insurance commissioners of that state to be approved before the rates can be released to the company to be used.
If there was a capability to determine someones exact race 100% and there was statistical data to back the rate structure based on any particular races driving habits, I believe there would be scaled rates based on race.
Currently rates are based on marital status, age, occupation, credit history, claims data, sex, type of vehicle, frequency and reason for use of vehicle and multiple other factors.
I have heard that accidents and tickets will affect car insurance rates for five years. I was in an accident four years ago, that was determined to be my fault. Now, my (old) insurance company just settled this claim. Is this going to affect my rates for five years from the settlement date or from the date of the accident?
totally depends on company & specifics. in your case, from date of accident, i think. i had a minor accident (w/ my own garage!) & it was only 2 years.
I’ve found some helpful info here too:
http://car-insurance.66ghz.com
Have a nice day.
My car insurance expired a year ago. I didn’t renew it as I had a company car. I now have my own car again and need proof of my no claims. However, I can’t remember which company I was insured with and can’t find the old insurance certificate!
There are a number of things you can do to find your car insurance coverage history & claim history:
* Look through old bank statements / credit card statements. Because there’s usually a company name in the description line for your payments, you can probably find out which auto insurance company covered you at that time.
* Contact your local DMV – your DMV may be able to tell you about your previous insurer, but with no claims… maybe not. Here’s a site that lists direct links to US DMV websites: http://www.dmvlist.com
* Get a CLUE Report – a report from this site will outline your claim history for vehicles / property for your future insurer. If the other options fail, this would be the way to go. You can find out more information here: https://www.choicetrust.com though, I’m really unfamiliar with it.
The last may be more what you’re looking for, but checking bank statements and credit card statements may be faster and cheaper.
I am planning to sell my car and cancel my auto insurance. If I want to rent a car, am I required to buy their rental car insurance, since I wouldn’t have any other auto insurance otherwise?
This is usually included with the payment plan for your rental car. Most car rental places are required to have car insurance for their rentals because THEY own the vehicle. So basically auto insurance works like this: If you OWN the vehicle you are responsible to have auto insurance. If you want a tag on a car you have to have auto insurance FIRST. So if the car you rent has a tag on it already, then it is insured through that car rental company. If you have to put a tag on the car (which is unusual) you have to get your own auto insurance. The DMV will tell you this. Just try to get a car tag without insurance.
My car doesn’t ignite and I’m guessing the battery is out. Will my car insurance company be able to come over and jump start my car? I use Farmer’s btw. Otherwise what’s the best solution?
Only if you have tow service included with your auto insurance package. Some companies include it by default (though they charge extra for it), but I’m sure with Farmers and other big companies you’ll have to opt in to that service. You can check with your insurance company, and they’ll be able to tell you right away whether you have it or not.
Also, don’t start a tow package just for this situation unless you’re ok with leaving your car sitting for a few days, at least. Especially with auto insurance tow packages, there’s a delay time between when you set it up and when you can actually file a claim. AAA may be like this as well, but it’s worth checking into because it has other benefits.
The best, and cheapest, solution would be to have somebody jump you — a friend or relative, ideally.
You can also call a tow company, but it’ll be cheaper for you to go out and buy a new battery. You could also go to a car-parts store, or a store like Walmart and purchase a battery charger / jumper — they charge your battery but also help to boost the juice enough to start your vehicle. This option could also be cheaper than hiring a tow truck. However, if this is your only vehicle… your options are likely limited to what I’ve listed here.
Usually, tow packages added onto your auto insurance are relatively cheap — $5 per month or there about. Unless you have something else, like a AAA membership, it might be worth considering because it can save you a lot of money in situations like this.
What is the car insurance company that offers 40% off for teenagers if they dont use the car later than 11.00 at night , ive heard eople go on about it but cant find it! Or if you no any other ways can get cheaper car insurance , im 18 and they all seem to cost a bomb!
that insurance scheme using a tracking device to verify whether you will use it between certain hours or base it on the number of miles and roads used, was piloted by Norwich Union and has not yet been released publically, to my knowledge!
I’ve found some helpful info here too:
http://carinsurance.yoll.net
Good luck.
i need help pickin out insurance for ma car,
what would b the cheapest simpilist insurance?
Im a teen 17yrs
The cheapest is the one you have found yourself after you have checked out about 15 insurers and know which one asked you the least money based on your details.
Comparison sites will simplify this task for you but you’ll still have to check a few. It’s the same as buying a car, the more you research around and look at different cars, the better deal you will get.
I’ve bookmarked this sites to go back to…
http://finance.ebookorama.com/ukusa-selected-resources.php
http://gsx1.com/InsuranceComparison.html
just fill in the form, see what they ask, write it down, see a few more, the more legwork you do the more chances there are you’ll save some money.
Look for more comparison sites in google, too.
I have my driver licence almost eight months ago in NH. Now I moved to Mas and I pay about $ 210 per month for car insurance. I want to know if I can find cheaper or this not too bad for a new driver. I own a 2000 ford Taurus since two months. What do you think guys?
the cheapest insurance i could find when i first started driving was nationwide but it was still just over 200$/month. So it looks like your right in the ball park of it all for full coverage.
I have been driving for about 44 years and have had a company car for the last 20 or so. When I retire, will an insurance company take account of this with no-claims discount for a car of my own?
I do own a classic car on a special classic car policy but as it is very cheap with limited mileage (1500 miles) applying there is no ncd.
You can ask your ex employer for a letter saying that you have have driven their vehicles for x years without a claim, which should go towards a few extrs years NCB form your insurance.
Good luck and enjoy your retirement.