Affordable Insurance Plans, insurance coverage, health insurance quotes

ok so i am wondering how much insurance would be for someone like me who has no credit and never owned a car before. i have tried checking online for quotes and stuff but i dont even have a car, and the sites like geico or progressive require u to have a vehicle to even get a quote. i live in minnesota and im 24 if that makes a difference.

Hi,

No, you don’t have to. If you want to find your best or cheapest auto insurance quotes just in few minutes, check out this site

http://Best-Auto-Insurance-USA.info

Here you can get free quotes from different auto insurance companies in your area, its the best way to find an affordable auto insurance with a reliable company.

Hope this help!

i’m looking to buy a used car right now, and i have a few different ones in mind. i would really like to be able to view the insurance quotes on each before i consider buying. is there an easier way than having to fill out all of my information & history each time?

I just went threw the process myself recently. Check out esurance. I found out that Progressive was my best choice.

I need a website that gives free life insurance quotes?

Gerber Life for Term Life Insurance http://www.gerberlife.com/gl/view/guide_products/10_20_year/index.jsp and for Whole Life Insurance http://www.gerberlife.com/gl/view/guide_products/whole_life/index.jsp.

is the commission percentage related to the size or complexity of the policy?

LOL 40% I WISH.

It’s related directly, by line of business. For workers comp, it starts at 7% on average, for that first $1,000 of premium, and the larger the policy gets, the smaller the commission gets, down to about 3%. Remember, commisions are a percentage of the PREMIUM dollars paid, not the coverage amount.

For standard lines, property, commercial auto, inland marine, general liability, will all get you around 15%. Commercial umbrella/excess runs between 7 1/2 and 10%. Bonds run around 30%. For nonstandard/nonadmitted business, it’s about half that.

Has anybody heard about world health insurance company? its asking for my doctor records. I am concerned that they will end up on MIB or other insurance companies. Also, isnt it weird asking for records for a health insurance? I thought they only do that for life and disability insurances.

Ask them what they will do with the information completely, record the conversation, and if you feel like they sold it, bring your tape to court. (If they lied to u).

Anyway in the netherlands we are all insured, I think you will be all insured aswell, and wont be declined in 4 years.

You wait 4 years or just give it to them.

We are planning on buying a new car soon and trading in the old one. How does insurance work? I’d like to shop around for the cheapest deal but that isn’t possible if I don’t know what car we are getting yet. Also I have only just renewed my car insurance this year. Will there be a penalty if I cancel that policy?

1. Cancel a policy early and you will typically pay about 2 months worth of insurance more than what you have used plus an administration fee which can be as much as £80. Your policy documentation will have the terms for early cancellation set out in it.

2. You will lose the benefit of the short term policy adding to your NCB and it may make it difficult to prove NCB to a new insurer as you do not have the renewal for the one you wish to cancel yet.

3. Most people will simply change their existing insurer.

4. Until you know what car you are getting you cannot get a quote. Once you do know your current insurer will quote you for the change if you simply ask them

Im looking to purchase professional indemnity insurance for my web design firm. Who is the best provider? What is the best quote? What sort of costs should I be paying?

Also if we move into Internet consultancy will these insurances cover this?

And finally, what other insurance is required for this kind of business?

Thanks.
UK only please.

There isn’t a "best" one out there. You want someone who writes inusrance in your area – that’s not going to be everyone! Coverage excluding consulting should run you about $1500 a year. Consulting is EXPENSIVE. The last e-consultant I got a policy for, it was running about $3,000 a year, and he was a one man firm.

You’re going to need a business policy or package policy for your general liability and contents, plus office exposure, then the professional liability, and workers comp for any employees.

You need to sit down with a local, INDEPENDENT agent, to get a variety of quotes. You’ll need to update your agent, as your operations change, to be sure you’re still covered.

State Farm, Allstate, Nationwide, none of these companies are going to write you if you don’t have three years of prior insurance history – that’s why I say an INDEPENDENT agent, instead of one of these agents.

I heard about "term insurance" whose meaning is not clear to me. Can anybody please explain what is the difference between ordinary life insurance (like those offered by LIC) and a term insurance? What are the advantages and disadvantages of the two?

Hi Abhik,

Here are the details:

1. term Insurance: Term insurance is pure insurance product. It is the base of any insurance product, be it a endowment insurance or ULIP. In term insurance, if policy holder dies, then only his / her nominee receives the sum assured. But in case policy holder survives the entire term, then he / she doesn’t receive anything.

However premiums are very low and it should be taken to insure your financial obligations like home loan, personal loans etc. as well as your life.

2. Ordinary insurance: I believe, by ordinary insurance you mean endowment and ULIP kind of policies. They are the combination of term insurance and investment component. Part of your premium is used to pay for term insurance premium and rest is invested depending your policy i.e. debt products for endowment, child policies, equities for ULIPs and so on. So you receive returns from the investment made out of your premiums. However premiums of investment products are very high compared to term insurance.

If you need more help, the you can contact me (pranav_ss7@yahoo.com).

Regards,

Pranav

I’m on a time crunch to get into an apartment, and I’m trying to move in with my boyfriend. My parents are concerned that having any kind of roommate, boyfriend or not, will make our car insurance premiums go up (because he could potentially use the car) and that their home owner’s insurance won’t cover my belongings under the renter’s insurance rider we’ve previously used (simply because I have a roommate).

Does anyone know what affect having a roommate has on car insurance and renter’s insurance?

autoinsurance.maclenet.com – try this one. I have their car insurance and, as I know, they can provide such a service.

My insurance company is telling me they may be terminating my coverage retroactively past 12/31/09. I’ve had claims from months ago that the system says they already processed and paid by my insurance company. Does this mean the insurance company will come after me for that money or would they only try to get me to pay for unpaid claims?

They will pay claims occurred up to the date of the termination. They will require that the providers refund any payments made for claims after that date. The providers will then bill you, not the insurance company.