QUESTION:
What's the best way to pay down a deferred student loan?
I have a VERY large student loan which is currently deferred. I am fortunate to be in a financial position where I am able to make the loan payments once I enter repayment (my husband and I have very little other debt - he has no student loans). Basically, I look at it as giving up a nice car (payment and insurance each month). I work for a university and am beginning my MBA, which will take about 2 years part-time (previous grad work reduced the number of courses required for my MBA). My work pays for my grad studies 100%. A few other background notes, I consolidated my student loans at 3.25% (3% once I sign up for ACH payments), my husband and I would like to buy a condo within 2 years, and we have taken my loan payments into consideration when deciding how much condo we can afford. With my student loans deferred for 2 more years and ING Direct paying me 4.5% for my savings, is it possible for me to make payments toward just the unsubsidized portion of my federal student loan?
In response to considering a career in real estate. I worked in title insurance/mortgage industries for 6 years (including time before and after earning my degree in Economics) and am a licensed title agent. I also worked for a very large bank as a loan processor. Unfortunately, I did not move from the title side to loan processing until after the refi boom and missed out on a lot of money. I will definately make the switch if we get another huge drop in rates! I think it will be something I would consider after finishing my MBA.

• ANSWER:
  Prepaying even a portion can ease your situation later. Start small and see if you can continue. Then pay a little over the minimum each time for as long as you can.

QUESTION:
A question about W-4 tax things?
I currently would make a projected ,420.00 (08.00ish per month) in 2011 this usually equates to about 869.00 per pay period (bi-weekly) if I worked at 40 hours 52 weeks per year. This does not include what 1/4 incentives I MAY earn, holiday pay or overtime (not usually). I have no children, no spouse or live in partner. I currently claim 2. 1 for myself and 1 for being single with one job. As it stands right now month to month I pay 675 for rent, 464.12 for car and insurance, 300 in student loans and an astronomical amount for gas. MY QUESTION is can I claim exempt for just one or two months this year (2011) to catch up and then put it back at 2. I don't care if I have to balance it out in exemptions in tax season I just had to buy this new to me/used vehicle (not a hybrid) with a deferred down payment and after doing my budget I simply just don't have a single penny to spend on food or for a security in case gas runs low. LET ME POINT OUT THIS: I DO NOT EAT OUT, I DO NOT GO OUT, I do not smoke, drink or pay any monthly dues to convenience/leisure services nor do I have any credit card debt. I am staying home except to drive to work and back. I just need some more sustenance than ramen (once per day). IF everything was due on the 1st and I got all 00ish at once I would be fine. But I find my self putting off this payment and that payment and its just a vicious cycle. I have done the math and found that if I claimed exempt for 2 months (Feb and March) I would be just fine and things would go as smooth as they were before 2 weeks ago. IS IT ILLEGAL (not just immoral) to claim federal tax liability exempt for just those two months. Last thing I have to say is I could care less about a big refund because I don't account for it. I just need to eat. Can someone give me some advice or direct me to some free source for help. If it helps to know I always donate 2% of each check to United Way so I don't feel right with going to local food banks.

• ANSWER:
  You can change your tax status as much as you want with your employer- but as you know it only matters at the end of the year when you may end up owing taxes. I know people who claim 10 de-pendants during the year and pay no tax but when they file their taxes they file what they should. As long as you pay at tax time - Uncle Sam does not care!

  Could you get a roommate or move closer to your work ?Find cheaper rent? Or work a second part time job? I think you need to find some other way to make cash as your life sounds very stressful and you have no way to save!
  Your car insurance is also ridiculously high? Not sure why but I would get a few quotes from different companies and see if anything could be done to lower it.

  DON'T feel ashamed to go to a food bank- many people are feeling this recession/depression right now! Food and gas prices are going up and up! They do not care at the food bank who you are - they just will help you. Besides if you keep eating like that you are sure to develop health problems and then you will lose that car and home anyway!

  The 2% you are donating might be too much right now- maybe you should cut that back until you get a second job or more income so you can eat right!

  Finally do what ever you can to save an emergency fund. If the car breaks down (they always do) or you need something - put whatever you can aside for savings!

  Good Luck to you!

QUESTION:
guidance after college... help?
So sorry that this seems long, I am losing sleep over this though. Its really not too complicated.

What's an average amount of Student loan debt for a bachelor's degree? I am going to be done in December 2009 and I am really nervous! I haven't looked at my loans til now and I still have a semester to go, and my loans are at 51K. My mother said hers are more than that. My boyfriends were only 22K. He lived at home and paid his off in a lump sum in about a years time. However he got a job making 46K right out of school and got the luxury of living at home rent-free with only a cell-phone bill and car insurance.

I will not have that luxury because my mom is a single mom who is planning to move out of town when I am done with school within probably 6 months. So I will have to get an apartment.

I have two questions. A) Is that an average amount of debt for a bachelors degree and how long will it take to pay off usually?

B) Is this a level-headed plan:
I plan to save money this summer and work full time once I complete my spanish class at the end of June. I will be getting ,000 in a refund check back from my state loans. (yes, this is why some of my loans accumulated to this much but I this is the only reason I have a car to get to classes and am able to afford my car insurance and a computer for my online classes, books, etc)

Right now I have a car that is turning out to be a dud and is unreliable and a money pit. I want to sell it or turn it in for what I can get to a dealership and buy a 4 cylinder reliable little car that I can depend on for the next few years. I have already been researching cheaper cars like a Hyundai Sonata or Saturn Ion that are cheap on gas, reliable, low mileage and affordable (around 4-5K) I will try to get at least 3K out of mine if I can, its an 01 Ford Explorer. That way I have a reliable car to get to class this semester and work as well as work the next few years. This has been a huge problem for me the last few years is hundreds of dollars in repairs so I figure if I just save and actually get a GOOD low mileage car with UNDER 90K then I might be better off.

So get a better car. Also pay off a few things that I owe before my student loans come in. (they defer until 6 months after graduation.) I have a few credit cards and my laptop is not paid off yet.

Does this sound like an appropriate plan in order to prepare myself?

I am very nervous about taking the right steps in order to be ready to take on this debt. I figure that I will need a reliable car and NOT want to be making payments on a car. So I want to get a lower mileage car now. If that means spending some money now, I think I should do that. Am I right or wrong? That would mean having to accumulate a little more in student loan debt and taking a little out of my savings. But then at least I would NOT be taking out a car loan for a good while and could avoid that payment.

Bad idea? Good idea?

THANKS

• ANSWER:

QUESTION:
I Graduated from high-school in 2007 I worked fast food a few years after I graduated and started college.?
I ended up getting three Credit cards and using them in an attempt to stay in school...mission fail. lol so for a while I've been out of school and working hard to try and keep up with the bills. my fiance was also out of work, so I began to miss a few of my Credit card payments. Six months ago my Fiance and I both found pretty great jobs and since then I've managed to pay off two of my three credit cards and haven't missed a payment since. I also had my student loans deferred. My fiance and I are now considering buying a house in about a year, would I have good enough credit to do so? how long does it take for a late payment to fall off your credit score? I also have car insurance That I pay monthly and have never missed a payment on that.

• ANSWER:
  "both found pretty good jobs" forgives a whole bunch of sin. Go to the places where you will apply for a home loan and ask all the questions. No one here speaks for them. Be sure to ask what home price range the two salaries put you in and what they will expect for a required down payment. You are on the right road and the lenders are desperate for business. So talk to at least 2 and better yet 3. Rate them on the basis of the interest rate they will give you and the down pay required When you are ready to shop for a home, go to the lender you chose and get pre-approved. Use a fixed rate (historical low) and not an adjustable rate (lower but will go much higher over time). In the mean time, educate yourself about becoming a home buyer. Lots of stuff on line worth the time to read it.

QUESTION:
How can I purchase a different house?
We live in CA---We bought this house in 2004 for 399,000. There is 389,000 on the mortgage left the house is only worth 170,000 right now. I have 48,000 in revolving debt ( some of the property taxes , insurance , car repairs , couple funerals, and medical debt for the last 10 years added up).its on a PLOC and 2 cards. I see houses where we originally wanted to live (but couldn't afford) for 130000-275000 and it burns me up. A principle interest taxes and insurance on my arm right now at 6% is ,400 p month. We can only afford to pay 1500-2000 a month(pick a pay) so we usually send 1700(just pay taxes ourselves and insurance when due with defer interest totals at 28thousand and growing). BUT we net 5000 a month/ gross 7000. We are a family of six...drive 2 cars from the 80's...plant a garden...use sweats and blankets to keep warm....both work ...cheap used or free furniture nothing new...and are current on all our bills -credit is 720-750. We didn't qualify for the home affordable modification (because my husband received a bonus of 150bucks two months ago registering an increase in income, not a loss, and because we are current) even though our payment is over 31% of our income. oh...and under 1000 in savings... HELP!! How do I get the affordable house where we REALLY planned to live(same city as our families) and dump this dead weight? Are just stuck here forever with a debt that is only going to increase over time till we owe a million
not that it maks that big a difference ...but the 389,0000 balance includes the deffered interest. Our original loan was 360,000

• ANSWER:
  Oh Jody, that is awful, I am so sorry you're dealing with this. There are hundreds and hundreds of horror stories right now and no easy fixes, while the lenders continue to use and abuse us as consumers.

  You could try calling 888 995 HELP for some guidance. Here's the thing, debt consolidation is a bad hit to your credit, a loan modification is too, a short sale doesn't sound too likely, however you could start the process by talking with your lender about it. Foreclosure and bankruptcy is an option, however both are severe and with the size of your family, you'd need a substantial place to live. But you may need to talk with a bankruptcy attorney.

  Have you considered maybe renting it out to someone who can afford those payments for a couple of years? Or sell it on a contract for deed? Just a couple other options. You would still need to find a new place that you could afford.

  I do wish you all the best. This isn't a fun ride to be on.

QUESTION:
Repossession put on my credit report?
So 4 years ago I owned a car through a credit union purchased for ,500. About a year after purchasing it the car was stolen, I did not have insurance at the time and therefore went to the credit union to see what my options were. They said they would defer the payments until something was found out on the car. 6 months later the car was found, with only a dead battery as damage.. lucky I know. So I called the credit union to see what I could do. They said I could do a voluntary repossession or begin making payments again. They told me the voluntary repossession would not be put on my credit report and that since the car was still in good condition and I did not owe much on it everything would be fine. So I don't hear from them until now... 4 years later.
Last year when we went to buy a home the car was listed as paid off on my credit report. Now as of 2 weeks ago, they hired an attorney to "find me" and get ,300 from me and they put a repossession on my credit report. I don't have paper work on any of it because it was so long ago, but I do have a witness who was there when they explained the voluntary repossession to me and stated clearly it would not be placed on my credit report.
The repo on my credit bothers me the most, but I am also confused how they get there numbers, their attorney explained it like this "the original loan was for ,500 they put in ,000 worth of work upon receipt to sell and sold it for ,000.

Can they do this? Can they list my car as paid off then list a repo 4 years later? Where are they getting that I still owe them money?

• ANSWER:
  When a car is repo'd whether voluntary or not, they have no business to repair it in order to sell it. Usually all they need is 3 bids and is sold to the highest bidder. For a small sum, you should sue them in small claim court and have them porduce their records to you for review.

QUESTION:
Should I defer my student loan(s)?
Quick question before I go through with deferring my student loans. Was wondering if anyone had advice as to whether or not I should defer. I currently owe ~ ,000 on a number of loans through Direct Loans and ~ ,000 to Sallie Mae. I also have other debts such as my credit card (0ish) and I recently bought a used car which, including insurance, should come out to about 0 a month.

I'm in the military so I don't get paid very well, but also don't have very many expenses (outside of bills and gas). My "plan" is to defer AT LEAST the Direct Loans monthly payment and maybe the Sallie Mae one, in favor of trying to pay down my car quicker (it has the highest interest rate) and elminating my credit card bill. My worry is about the interest on the student loans, which I still don't know too much about. Do I have to pay that or does it just keep adding on? Also, CAN I pay some money here and there towards the loans if I have some extra money some given month? Any help in this situation would be much appreciated. tyty

• ANSWER:
  if ur loans are subsidized then deferment is a great option. I with a subsidized loan the government pays the interest while its defered. if not then its the same as a forbearance. also there is a military deferment that is unlimited while u are in active duty that you would qualify for. interest accrues daily on these loans and every quarter they can capitalize(which means they get added to the principal balance and the loan gets bigger). my advice would be defer if u are just trying to do other bills but don't put it off forever unless its subsidized and if so just pay on it when ever if u have money or when u get out.

QUESTION:
NEED HELP PLEASE!!!!!!!!!!!! consumer math 10 POINTS?
28. Which is NOT one of the credit reporting agencies? (1 point)
Experian
TransUnion
Equifax
TransMeridian
29. A very low credit score usually means you will get what?
(1 point)
declined for loans
low interest rates
low finance charges
high available balances
30. Credit that is applied for once, and then is available until the consumer defaults or closes the account is called what type of credit? (1 point)
revolving credit
charge credit
income credit
department credit
31. What is NOT considered when calculating a credit score? (1 point)

personal income
payment history

credit history
length of credit history
32. When two sellers trade items without exchanging currency it’s called what? (1 point)
negotiating
bartering
financing
economics
33. What was the earliest form of currency called? (Hint: China around 1200 B.C.) (1 point)
leather cards
sea shells
cowry shells
wooden coins
34. The first international form of currency policy to control inflation was called the what? (1 point)
World Trade Organization
North American Free Trade Agreement
Gold Standard
European Trade Standard
35. If a computer is on sale for ,099.10 and there is an additional 15% off at the register, what will the total cost be? (1 point)
4.24
,263.96
4.88
8.45
36. The abbreviation FICO stands for what? (1 point)
Fraud-Index Corporation
Fair-Index Corporation
Fair-Issac Corporation
Fraud-Issac Corporation
37. When someone leases a car, who owns the title to the automobile? (1 point)
the automobile manufacturer
the financing bank
the automobile dealership
the driver
38. What part of a personal budget should be the largest expense? (1 point)
spending money
savings
housing
insurance
39. When a company hires an employee, what does the company expect from the employee? (1 point)
expenses
productivity
purchasing power
income
40. The amount of products or services that someone can buy with the amount of money they have is called what? (1 point)
personal purchasing power
purchasing power parity
consumer price index
value power
41. Banks make money by charging borrowers what? (1 point)
late payment fees
interest rates
financing charges
all of the above
42. The money you pay to keep an insurance policy in effect is called a what? (1 point)
deductible
co-pay
premium
expense
43. The money you borrow from a bank or any other lender is called what? (1 point)
principal
investment
interest
equity
44. Your credit score determines whether or not you what? (1 point)
are approved or denied a loan
are given a high or low interest rate
are approved or denied a credit card
all of the above
45. The loans that individuals take out to continue their education are called what? (1 point)
educational loans
student loans
optional loans
deferred loans
46. Which of the following is NOT considered a small ticket item? (1 point)
a toaster
an automobile
a pack of gum
a cup of coffee
47. When an asset such as a home or a car decreases in value over a long period of time it’s called what? (1 point)
decay
depreciation
appreciation
neglect
48. Charge cards differ from credit cards in what ways? (1 point)
they require you to pay the full balance at the end of the billing period
they don’t allow you to make cash advances
they don’t accept balance transfers
all of the above
49. The marketing offers provided by credit card companies are called membership __________? (1 point)
bonuses
benefits
incentives
gimmicks
50. If you have ,000.00 on a credit card and the interest rate is 21.8% per year. How much interest will you pay for one year? (Interest is compounded monthly, but to simplify your activity, just multiply it.) (1 point)
3.00
6.00
1.00
0.00

• ANSWER:
  I will try to answer some of these -- May use A, B, C , D for the answers.
  BTW --- a quick 10 points would be appreciated.

  28) D. TransMeridian

  29) A. Declined

  30) A. Revolving

  31) A. ??? Personal Income

  32) B. Bartering

  33) not sure

  34) ?? C. Gold Standard

  35) A. 4.24

  36) C. Fair Issac Co

  37) not sure

  38) C. Housing

  39) B. Productivity

  40) A. ?????

  41) D. All of the Above

  42) C. Premium

  43) A. Principle

  44) D. All of the above

  45) B. Student Loans

  46) B An auto

  47) B. Depreciation

  48) D. ??? All of the above

  49) B. Benefits

  50) B. 6

  Hope this helps.

QUESTION:
Grad student - am I a good candidate for a mortgage?
I am 23, turning 24 this year. I am a PhD graduate student and will be for another 3-4 years. I am paid a stipend of k/yr and my tuition and health insurance is covered as long as I'm in school. My FICO is 760. I have k in student loans from undergrad that are currently deferred until I'm finished with school. I have no credit card or consumer debt, never had. I have k in retirement funds and k in an emergency fund. My savings account should be up to k by December, unless something goes wrong. All this I have saved from my measely income for 2 years. I also own my car outright, paid for in cash. (In that timeframe I've also covered moving expenses and an apartment full of new furniture + electronics.) So I would say I'm pretty good with money for my age.

My current rent is 5, nothing included. I'm wondering if it is smarter to buy. I will stay in the area for another 3 years, perhaps more if I decide to stay and work here after graduation. I have a good FICO score so I think I would get a reasonable rate (5.0%?). My credit report shows 5 years of history, all my accounts are in good standing, nothing negative. My available credit limit is approx. k and I never carry balances. In my area, I can get a 1bd/1ba condo for 0k, HOA fees approx 0/mo. If I apply for a 30yr mortgage, according to the calculators my monthly payment can range 0-730. I will only have the k from savings to put down though. But with Obama's k incentive.... do you think I should even be thinking about buying? I would just really like to have a "home" and not have to apartment-hop after every lease due to management, move furniture, not allowed pets or this or that anymore.

Would they even look at me if I walked into a bank to ask about my loan eligibility?

TIA. Advice from loan officers or those experienced in mortgages are greatly appreciated!
I want to add that I would do the FHA.

• ANSWER:
  You can ask but you need 2 years work and tax returns to prove it, yes you are doing good but in school with no work record so they will look at it as yes it is good now, but what of the next year or so

QUESTION:
Anyone know of cheap car insurance in California?

• ANSWER:
  Geico

QUESTION:
who has the cheapest liability car insurance in California?
I live in the South Bay, and I am purchasing a car along with insurance. I just need a cheap insurance company because I will not be driving the car for long, as I am going to the Air Force at the beginning of next year.

• ANSWER:
  The only way you will ever know is to call around and get quotes from insurance companies. . Asking anyone else is a total waste of time.

QUESTION:
Cheap and good car insurance in southern California ?
I'm currently paying 5 a month for state farm insurance. I am 20 Male, clean driving record, and no accidents. I drive a 97 Toyota 4 Runner. Is there any way I can pay leas for car insurance? Or switch to another car insurance?

• ANSWER:
  Insurance rates vary SO much from person to person. It's based on some of the following: Your car type, policy you want, even who you live with and credit score you have.

  insurers base their quotes on different factors for different people, Just take some quotes online, phone some brokers offline, walk into a broker's office.

QUESTION:
What is the cheapest car insurance in california?
My parents won't even consider getting me insurance because they think it's too expensive.
I'm a girl, 16, gonna be 17 in October, and have above 3.0 GPA
My car is a 1996 (i think?) toyota camry.

• ANSWER:
  I would suggest the auto club (AAA).
  However, you are too young to be on your own policy. An insurance policy involves an application which is a legal binding document that you can not enter into unless you are 18. You will have to be added on to your parents policy and most likely the insurance company will not provide you a quote for the additional cost; your parents will have to call
  You do qualify for a good student discount as long as you maintain a 3.0 GPA and stay in school full time. Also, let your parents know that insurance is less costly for females than for males. Good Luck!

QUESTION:
Nevada/or California car insurance cheaper?
I just moved to Las Vegas from California and learning car insurance is more in the silver state. When I go to purchase new car insurance can I lie and say I live in California still. What are the cons to keeping my insurance registered in Cal?

• ANSWER:
  .:Samantha:., For auto insurance the quick method to get a low quote is do a auto policy comparison. If you choose the same coverage levels, you can get an accurate quote to compare against others. Use the same zip code, auto make and model, mileage and driving history to make sure you get accurate comparison. To get mulitple auto insurance quotes, go to http://www.autoadviceonline.com/Auto-Insurance-Quote.html and you can compare the major auto insurance companies.

QUESTION:
what is the cheapest car insurance in southern california?
im 17 and a half, with "C" average grades. just started driving, what is the cheapest car insurance?

• ANSWER:
  Insurance is very individual because it's based on your drivers record, sex, age, and a number of other variables such as location, credit rating and type of vehicle being insured.
  If you really need to know then go here and get a quote, it's free.
  http://gsx1.com/InsuranceComparison.html

QUESTION:
Cheapest Car Insurance in California?
I just moved to Los Angeles and I'm wondering what is the cheapest car insurance company in general? Thanks in advance!

• ANSWER:
  The best special info about your Question HERE:
  http://all-car-insurance.blogspot.com
  Good luck!

QUESTION:
What's the best car insurance here in California?
in terms of price what's the cheapest car insurance nationwide or here in California?
I am 26 years old and have two cars registered under my name with liability insurance only. I pay 0 every 6 months is that high or low? I also have only one speeding ticket on my driving record fyi. Can you guys tell me how much you pay for your car insurance? and what you think is the cheapest car insurance? I"m trying to save money with this bad economy last I check California is in the most debt.

• ANSWER:
  Just call a few browers in your area.,.. they-re the one that deal with this sort of things

QUESTION:
cheap car insurance for 17 yr old in California?
i have a license and i'm getting a honda civic 2005 and i wanna know about how much is a cheap insurance thanks:)

• ANSWER:
  Call a local agent for a free quote. There are more variable's than you would want to post to an open forum like Yahoo! Answers. Things like driving record, sex, exact location, deductibles, comprehensive, collision, and liability limits, etc. You can also contact the major insurance companies for a free quote. GEICO, Progressive, State Farm, (Google search Auto Insurance).

QUESTION:
What's the best and cheapest car insurance in California for a bad driver?

• ANSWER:
  there are none, like the rest of us, you take the yellow pages, sit down with a blank piece of paper and start calling. keep track of quotes and phone numbers, some of the differences may be higher limits over what the minimum the state wants.
  NONE OF THE ONLINE insurance deals are legit, most are bs scams to get names, addresses email and email, then they quote some outrageously high rate no one would go for, but its too late, they have all your info, and you Start getting sales calls, junk mail spam and sales calls.

QUESTION:
How much is car insurance in California, in LA for example?
I've been seeing a lot of cars with California license plates in New York. NY insurance is expensive. I wonder if they do it because it's cheap there, or because they drive out here.

I want to know because I want to move out there.

• ANSWER:
  Insurance is individaul, so what is cheap for me, may not be cheap for you. it is based on driving record, age, vehicle among other factors.

  Just get an online insurance quote to see how much insurance in LA would be. Go to http://www.auto-insurance-knowledge.com/24-hour-insurance-quote-auto.html this will compare all companies in LA and give you the lowest prices. You may have to enter a LA zip code, so just look one up in google.

  Hope that helps

QUESTION:
A question about car insurance in California?
The other day I recieved a letter in the mail that said I need to go get my car insured or it could be suspended. I want to get the cheapest insurance possible (state minimum). What company has the cheapest insurance and how much can I expect to pay per month?

• ANSWER:
  In my opinion, Mercury is cheapest and they always come through when I've needed them.
  I hope this helps...

  http://www.autoagency.com/?OVRAW=mercury%20insurance&OVKEY=mercury%20insurance&OVMTC=standard&OVADID=365910012&OVKWID=733612512

QUESTION:
Anyone know any car insurance company's that can offer cheap car insurance for a 18 year old?
I am 18 and just bought a Nissan Altima 08. I live in California, Los Angeles. I am trying to get insured and they want to charge me 00 a year. Thats 0 a month for car insurance. Its more then my car payments. Anyone know any insurance company that can offer a better deal?

• ANSWER:
  Cheap and 18 is an oxymoron. Add CA to the mix and it gets worse. Then factor in an almost new car...

  If you live at home, get added to your parents insurance. If you don't, talk to an independent agent to see if you can do any better.

QUESTION:
I just moved to Arizona from California and I can't find car insurance as cheap as I had in CA?

• ANSWER:
  If you move to Nevada, you're in for a serious shock!!!

  CA is probably the only state that regulates insurance rating practices the best. CA does not allow an insurance company to run your credit and base your rates off your insurance score, CA does not allow an insurance company to base your rates off your zip code. In CA they are only allowed to factor age, driving record, vehicle, prior claims, whether you've had ongoing insurance. The discounts you are allowed are much more generous than anywhere else I've found as well. In AZ rates are determined very differently.

  I would suggest either staying with your current carrier or searching elsewhere, like AAA, State Farm, Farmers, Allstate. Pick the company that provides coverage based on your needs, as each will cover things very differently.

QUESTION:
what percent of damage will Infinity Insurance total a car in california?
according to kelly blue book, car is valued at 15,660 for private party sale
damages came out to 8,566

that is about 54% in damages

i dont want to drive a car that is this damaged, because it wont be as safe, even after repair.
if its not quite at their totaling percentage, is there a way i can insist or push the insurance into totaling the car?

and would the fact that Infinity is a real cheap insurance effect their percentage to total?

• ANSWER:
  sorry you can only do what you insurance company is willing to do

QUESTION:
Couple questions about car registration, insurance and license in California?
So I'm 19 and I have a Maryland driver's license but I'm going to be living in Los Angeles, California from July till October. I'm going to buy a car as soon as I get out there...

Do I have to convert to California driver's license?

If so what fees/tests am I looking at?

Also, how much is registration?

Do I need insurance on the spot when I register the car?

What's the cheapest insurance out there?

Answer any that you know, thanks!

• ANSWER:
  Try to consult these matters to experts. Try to check this site. I guess they can help you.

QUESTION:
Which car insurance company is the cheapest in California?
i have a 1993 toyota camry xle v6 4D....im a single parent that has never been in an accident....and i'm going to insure with my son whose had a non at fault accident

• ANSWER:
  There are a lot of variables when it comes to the rates that insurance companies charge, including: the garaging address of the vehicle(s), the drivers MVR, # of miles driven one way each day, and etc, etc.............you will need to look online and get as many quotes as you can then narrow down the choices

QUESTION:
i need cheap car insurance!!?
i am 18, i have a 1990 accord worth about 1700, and ive been driving for 4 months now, no tickets or problems, i need some cheap car insurance since my dad wont insure me with his company.... i just need some cheap ass company, i dont really care if they dont really cover well. i live in California, in the southbay. is there any cheap insurance such as those little cheap looking stores you would see around your city?? the ones that have banners that say they offer insurance as low as 22 a month??....have in mind that i just need something so i can drive since i need it by law.

• ANSWER:
  Find an independant agent in your area. They can run quotes through several different companies that can find you the best rate.

  I understand you are not concerned about coverage because you want a cheaper premium. Have you thought about what would happen to you if you did cause a large accident and were sued for say, 0,000? Are you financially stable to pay off that debt?

  Younger drivers cause accidents more often, most of these accidents are either fatal or cause an extreme about of damage. Before you state you don't care if you are covered well think about all you have to lose... or all you don't have

QUESTION:
What are the average car insurance rates in California?
More specifically, if you live in California, how much do you pay? I'm buying insurance for the first time and I want to get the most basic coverage at the cheapest rate.

• ANSWER:
  There is no such thing as average... You have to call for quotes

QUESTION:
Cheap car insurance for young adult?
Im 18 years old, live in southern california(L.A), and want to get car insurance for my 4 door, 1992 honda accord. I have no points on my license, but i do have **ACCIDENT** on my driving record. Is there any place that would be ideal for me to get insurance at. Im looking for cost effective places. Also do places still give discounts for students with good grades. Im a full time college student with a 4.0...

• ANSWER:
  With all due respect, this gets asked many times every day and there's no answer to it... how insurers are going to see you is going to vary, based on a bunch of your personal information So you want to shop around for insurance just like you are doing when buying a car or anything else.

QUESTION:
Parents own car and insurance but im moving to California with it.?
My parents own the car and the car insurance is under their name. Im pay them montly but its cheaper that why i think. Im planning on moving to California in june but I need to take the car with me. Is it ok if I jus take it over their with no problem or do i need to put the car under my name as well as the car insurance? but i rather not change anything. thanks
My parents car insurance is All State.

• ANSWER:
  If the car is owned by your parents and registered in their state, they have to insure it on their policy. Its no different than when a child leaves the state to go to college.

  To be absolutely safe, I would recommend calling the agent and letting him know that the car will be garaged in California.

QUESTION:
Car insurance for 16 year old boy in Bay Area California under parents?
I have good grades (above a 3.5), and I'm looking for cheap insurance for either a 2003 Honda Odyssey LX or a 2002 Lexus RX300. As of now, I am 16 and 4 months.

• ANSWER:
  Take into consideration that you are only 16 and you have two fairly new, nice, expensive cars. Your not going to be cheap. The cheapest way to go is to be under your parents policy. I am a licensed Insurance Agent in over 40 states. I see on a daily basis kids calling in to get a quote and find how expensive it is. Look at it this way: You will pay more up front now cause you dont' have much of a driving history. every 6 months your policy will renew. As long as you remain ticket and accident free you will normaly see a discount on your monthly rate every 6 months.

QUESTION:
cheap car insurance for a teenager .?
I WILL BE GETTING MY LEARNERS PERMIT SOON... GOT DRIVERS ED AND WILL BE GETTING BEHIND THE WHEEL TRAINING.AND LOOKG FORWARD TO DRIVING A 2008 SCION TC ..ABOUT HOW MUCH WILL INSURANCE BE A MONTH... ANY STUDENT DISCOUNTS I CAN GET...?? ..OH YEAH IF IT HELPS ..I LIVE IN CALIFORNIA

• ANSWER:
  You will be added to your parents' policy as a driver and insurance for young people is not cheap. Some companies give discounts for drivers ed. If your parents insurance claims records are clear they should not increase too much. It is impossible to say without complete current policy details. Unfortunately, you are in one of the highest risk groups. Your rates will go down when you are 25. On the bright side, a Scion is a good choice since it is not a sports car.

QUESTION:
16 year old looking for car insurance?
Hi, I am a 16 year old male living in California and I just got my license. What are some good, cheap car insurance agencies? Thanks.

• ANSWER:
  At 16, you're still legally a minor and can't buy your own insurance; your only choice is your parents' policy. Have them call their agent to add you.

QUESTION:
car insurance for 16 year old male?
I need some help, im getting my license in about 2 weeks and im planning to get a car soon.I would like to now how much do you think the car insurance will be. Me and my dads plan was to by the car from the dealer so it will be financed which means i must have full coverage insurance instead of liability. And he is going to add my name on his policy but because of my age its going to be very high.Does anyone know how much an estimate will be a month just for me and our plan was to get a car ranging in the years or 2003-2006. I live in california if that matters at all and we have tripple A. Also if anyone knows if there are any options to get your insurance cheaper or discouts please say so.

• ANSWER:
  This might be the best bet
  http://4ym8.com/CompareInsurance.html it's one form to get a number of quotes from different insurers. It's free and a big time saver, these are all the main American insurers competing to get your business so you are bound to find something that suits you, if it works out remember my points please

QUESTION:
Do I need to change my Car Insurance? What do i need to do?
I am a foreign student in United States. I stayed at California for 2 years. Now, I moved to Indiana State.

I have a car Insurance with California address. My License plate is still California's.

Do I need to do anything with my insurance?
When I tried to do a trial quote for changing address at Geico, the quote for new address is almost 2 times more expensive than the old one. I don't know what to do. I believe Indiana Auto insurance must be cheaper than that of California.

Should I just cancel it and start a new one? Do I still need to do anything with DMV?

• ANSWER:
  Find an independent agent, and tell him you have moved from CA to IN and you need insurance. That's assuming your current insurance doesn't cover you in IN, call them and ask about transferring it they do. Do not cancel your current insurance until your new policy is in effect.

  Once you are insured and have your card covering you in IN, go to the DMV.

  For registration: Register Vehicle as New Indiana Resident To register your vehicle as a new Indiana resident, you will need to visit a license branch and provide your vehicle's Certificate of Origin and Odometer Statement. You will also need to show proof of insurance.

  New residents must also apply for a title before receiving a license plate at a branch.

  You will also turn in your old drivers license for a new one.

  An applicant for a new Indiana operator license who holds a valid photo license issued by another state, the District of Columbia or U.S. Territory must successfully pass a written and vision test.

QUESTION:
Car Insurance help please?
Hello, I am a 22 year old female who lives in California, I was wonderinf what would be the best/cheap car insurance please...

Thank you

• ANSWER:
  Do yourself a favor and contact an independent agent. An independent agent represents more than one company so they can provide multiple quotes. A big plus is you get an agent that can answer your questions and is someone you know if you have a claim instead of a stranger on an 800 number.

  Check your local yellow pages for an independent agent in your area or use this link - http://www.iiaba.net/agentlocator/findagent.aspx

QUESTION:
Best Car Insurance for a teen?????????
im getting my liscence this week && im only 17. i NEED to know, whats the CHEAPEST car insurance to get in los angeles, california??

• ANSWER:
  Tanisha G., For car insurance the quick method to get a cheap quote is do a policy comparison. If you choose the same coverage amounts, you can get an accurate quote to compare against others. Use the same city/state, car make and model, mileage and driving history to ensure you get accurate comparison. To get fast auto insurance quotes, go to http://www.usinsuranceadvisor.com/Auto-Insurance.html and you can compare the major auto insurance companies.

QUESTION:
Drivers test question - Getting insurance before taking the drivers test is required. where is the cheapest?
Hello,
I am 18 years old (turning 19 next week) and I am ready to take my drivers license. But before taking my driving test, It is required that I have insurance for my car (my dads car). So, I was wondering - where can I get the cheapest car insurance in California? I did check on Geico, but their alittle too expensive.
PS: my permit expired by July 19th, so I have to hurry.
So please, help me out! even the slightest information can be very helpful!
Thanks

• ANSWER:
  If this is your dad's car shouldn't he have insurance on it already? If he does you can be put on his plan cheaper than you can get on your own. The insurance will not be cheap for you until you are 25.

QUESTION:
Who has the cheapest auto insurance in California?
I have a second car that has been inop and I want to sell. I only need insurance for about a month.

• ANSWER:
  The best way to find the cheapest auto insurance is to get an online quote. This will compare all companies in California and find the company that offers you the lowest prices..

  You can get a free quote at http://www.auto-insurance-knowledge.com/24-hour-insurance-quote-auto.html

QUESTION:
What's the cheapest or the average cost of car insurance?
Im turning 16 this coming november and im gonna use my sister's car; but its a 2 door car, which is considered a sports car and Im under 18. And everyone is telling me that the insurance is gonna be really expensive. Does anyone know what the cheaptest cost or car insurance is gonna be or atleast the averge cost.

And do you pay monthly?

I only have to pay 2000 for the car to come from texas to california but thats not what my mom is worried about. its the car insurance; so please help me. Thanks.

• ANSWER:
  Easiest way to find out is just get some quotes. I suggest going to Progressive.com and compare them. I doubt your insurance will be too expensive unless you get full coverage. Getting the state requirements and liability insurance will be your best bet.

  Also make sure you dont get any traffic violations or wrecks and if you do make sure you get a lawyer because those things are what really jacks up your insurance.

  You may also be eligible for certain discounts if you are a student and have taken a driving education class.

  Last but not least when you do pick an insurance company be sure you stay with them. Because the longer you work with a certain company the more they will work with you on lower rates in the future.

QUESTION:
What is the cheapest DUI insurance in california for a male when i become 18?
I just want liability for other drivers and i will get a crappy car so i dont need coverage for it.
&
I am 17 now. Am i able to get insurance if i don't have someone 18 or older sign for it? any ideas? Thank you

• ANSWER:
  An SR-22 isn't a type of insurance coverage, but rather proof that you have insurance.
  It is notification from your insurance company to the DMV that you have auto liability insurance in effect in the State of California which satisfies the minimum insurance coverage required by the State.

  This insurance notification is typically required by the State for 3 years from the date the original suspension would have ended which can be determined, e.g., by adding 4 months from the date you were given the "pink" temporary license (assuming you are a first offender without a refusal of the chemical test).

  If your policy lapses for any reason (miss a payment, get cancelled) the insurance carrier is REQUIRED to notify the DMV who is supposed to then notify you that you will have to file another SR-22 with them by a certain date or your license will be suspended. This form, typically filed electronically, is the only form the The Department of Motor Vehicles will accept. They will not accept any other form as a substitute for the SR-22.

  When is the SR 22 required?
  This will be required by you if:

  (1) you were arrested for a DUI and;
  (2) you have your license suspended or restricted and/or;
  (3) if you are required to take a DUI program and;
  (4) you want to get a restricted license.

  To get a restricted license, you have to do 3 things:
  (Not immediately - only if you lose your DMV hearing or get convicted in Court)

  (1) Pay DMV re-issue fee(s).
  (2) Provide DMV proof of financial responsibility (SR-22).
  (3) Provide DMV proof of enrollment in approved DUI program.

  Insurance minimums in California:
  For private passenger vehicles per accident: ,000 for injury/death to one person.
  ,000 for injury/death to more than one person.
  ,000 for damage to property.

  Moving to Another State:
  If you currently have an SR-22 and want to move to another state you must maintain the SR-22 like you still live in California - even though you no longer reside here. Also, your insurance policy for the new state must have liability minimums required by law in California. This applies even if you move to one of the states that does not have SR-22 insurance: Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania.

  Already convicted and need a license?
  First, make sure you are eligible for at least a restricted license by calling the California DMV at 1 (800) 777-0133. Then follow the steps above.

  Other related information:
  If you insurance company cancels your insurance because of your conviction, you will receive a notice indicating that your vehicle registration will be suspended if new insurance information is not submitted within 45 days.

  Already agreed to enter a guilty plea or didn't request a DMV hearing?
  If you think you are going to be convicted, make sure you contact an insurance broker BEFORE the conviction appears on your record. A skilled insurance broker can often times save you from being cancelled or having your insurances rates double (typical through State Farm for example) once a DUI conviction appears on your record.

  Additionally, you should know that although your SR 22 can be filed electronically you should be able to get an original from your insurance company and hand deliver it to the DMV so that you don't have to wait for the clerks in Sacramento to do their job - which they do slowly.

  I recommend calling John MacDonald at 1 800 346 7370 for all of your insurance needs. John MacDonald Insurance

  Or, Generally, How to Downshift Your Insurance Costs with Smarter, Cheaper Coverage

  1) Nab Discounts

  Most insurers offer price cuts for such things as:
  - having anti-lock brakes;
  - having been accident-free;
  - having taken a defensive-driving course;
  - using the same insurer for your home policy.

  (For more info., visit the auto insurance checklist at http://iii.org/individuals/auto .)

  These can take up to 25% off your premium. But your insurer usually will not come to you with them so you have to call the company and find out what the discounts are.

  2) Raise your deductible.

  The point of vehicle insurance is to protect you from catastrophic costs (your emergency fund should cover stuff like dents and broken windows). Raise your deductible from say 0 to ,000 and you could save more than 40% on premiums, according to the Insurance Information Institute.

  3) Prune coverage on old vehicles.

  Once your vehicle is worth less than 10 times what you pay each year to insure it, get rid of the comprehensive and collision. Find your vehicle's estimated worth at www.kbb.com.

  4) Dig up competing quotes.

  This is the most work but could have the greatest payoff. Go to www.naic.org to find your state insurance commission website, where you can download a vehicle insurance buying guide.

  Pick the example closest to you and the 5 insurers with the lowest rates. Call them for quo

QUESTION:
Im paying ,000 every 6months for my car insurance, and im 19 years old.?
Does anybody know of any cheap insurance companies that I can get a quote from? I really REALLY need to find a different company, because I cant afford that much. Please help!

(I live in California if that helps)

• ANSWER:
  that really is not bad for your age. call an independent agent for some quotes. they will be able to look at many companies to see if they can get you a better rate

QUESTION:
low car insurance?
I wanna get a insurance for my car. it's a 1995 Pontiac Firebird. I got my license when I was 18 and now I'm 21 and I have a clean record in state of California. I just need a cheap insurance. How much is it gonna cost me each month? Which one is the cheapest one?

• ANSWER:
  At your age, driving a sports car you won't find cheap. You can get the best for you by going to talk to an independent agent and letting him peruse his data base on your behalf.

QUESTION:
Auto Insurance In California : how far goes the liability?
I am french and don't know anything about auto insurance in the US. I just received my driver license 2 months ago and a very old bettle (1973, value < 1500$) as first car. I never drive before (even in France), I have a clean record.

How work the liability here? Let's say it's not my fault but I crash in a schoolbus and 3 childrens will need medical treatment for the rest of their life because of me. Who will pay for it?
And what if it's my fault?

[ In France, we have something called "civil responsability" that will pay for that. It's automatically included in every car insurance. ]

I am also browsing the net for cheap but good insurance. I want it cheap because the car is worth nothing. But I want it good because i am a young (no experience) driver. Any tips and links to some websites are welcome.

Thank you very much.

• ANSWER:
  Auto Liability Insurance in California goes like this;
  State required minimum for Bodily Injury is ,000/person and ,000 per incident. Property Damage is ,000 minimum. If your senario happens and you're found not at fault for the loss, then your insurance pays nothing to anyone and you're responsible for nothing. If you are found at fault, the consequences could be catastrophic. If you hold the state minimum, and these children are seriously injured you would probably be sued in court. I suggest having no less than 0,000/0,000 Bodily Injury and 0,000 Property Damage.
  Let's say your scenario doesn't happen, but you do rear end a 2006 Mercedes Benc CLS500, and you hold the state required minimum. Let's also say that no one is hurt, but the car does need to be fixed. Your insurance policy would only pay the limit of ,000 and the rest is your responsibility.
  I'm an insurance adjuster and I've seen the repairs to cars like this go upwards of ,000. Don't go cheap on your insurance. It is the most important thing you will ever buy. Godspeed.

QUESTION:
Where can I get the lowest priced auto insurance in orange county California ?
I'm a single dad choking on Title IV-D child support enforcement and I want to get my car registered so I can get a job, pay the support be a good dad and jump through all these government circus hoops. I need the lowest priced auto insurance I can get. Perfect driving record and I just want the minimum coverage because I drive a cheap car. Thank You!

• ANSWER:
  Go to a broker, they deal with multiple companies and usually give you the best rate. I wouldn't go with the national carriers I am afraid,.. everytime I check their rates they are always way higher than what I'm paying now.

QUESTION:
Why do people in the US waste money on car insurance?
There are 5 states such as California where 25% of the public has NO car insurance...while the rest of the country has an average of 7% uninsured. Obviously no one is enforcing insurance so...why bother getting insurance at all. Isn't it cheaper to have none..and more un-American to have it? After all, Americans generally think they should not have to pay for anything, so why pay for anything at all?

• ANSWER:
  Having insurance is like having a fire extingusher, it's the kind of thing you spend money on in the hopes that you never actually have to use it.

QUESTION:
Cheapest car insurance in LA?
So, I had an accident last semester which made my existing insurance company geico hit me back with a pretty expensive new contract. Fair enough, but I would like to search for better quotes for southern california, if there is any out there. Thats why I am asking this mundane question. Thank you very much in advance!

• ANSWER:
  so, the only and the best way is to call around for quotes, so

QUESTION:
when does car insurance go down for teenagers?
i heard recently that now you can start driving as soon as you hit 17 1/2, instead of 18. does this work for insurance too - as in, will the insurance be cheaper if you start driving at 17 1/2, instead of 18? i can't afford the high insurance rates, so that's why i haven't started driving yet, although im 17 1/2 now. This is according to California DMV rules, btw

thanks

• ANSWER:
  Typically for a male, the insurance rate goes down at 25.

QUESTION:
How can I get cheap auto insurance?
Hi,
I live in Southern California, and recently got my license. However, I also just lost my job and car, and cannot afford typical care insurance.
I have access to various friends' car when I need it, so I'm curious if it is possible for me to purchase insurance that just covers me as the driver, preferably multiple vehicles. I also need something cheap!
If anyone has any suggestions, it will be much appreciated!
Thank you

• ANSWER:

QUESTION:
how much would car insurance cost for me?
i'm 16 and i live in the southern california area, around north hollywood.
i would be driving a honda accord, thats leased so far but we're (family) is planning on buying it soon.
i also have pretty good grades.
how much do u think it would cost? and which auto insurance is best and the cheapest?

• ANSWER:
  You are wasting your time asking here. Only an insurance company can tell you what they will charge to insure you.
  The cheapest and best insurance for one person may be the most expensive and worst for another person

QUESTION:
How do i transfer my brother's car to my name in california?
its a 1974 vw bus. i want it as my car. how much is it to change it to my name? and im 17 how much wud the cheapest insurance be? and the tags are a few months outdated.. wat am i getting into?

• ANSWER:
  Go to the Ca DMV for the information that you want....... and don't use "thumb speak"

QUESTION:
Need help with Car Insurance?
I am a 17 year old in california, who just bought a 92 Buick Skylark and I need to no what would be my best bet when it comes to getting insurance, I would like cheap insurance, as cheap as I can get.

• ANSWER:
  Go here
  http://car-insurance.moneysavecenter.com
  enter your details and get quotes from main insurers, it's free. Anything else is just suppositions.

QUESTION:
How much does car insurance cost for a new driver?
Im 18. i live in California. i own a 2003 nissan altima. Ive had my license for over a year. The car is ONLY under my name and i will be the only one driving it. Ive gotten quotes but they have been as high as 00 for 6 mths of full coverage. Any advice on something cheaper or how to save money.

• ANSWER:
  One thing you can do to lower your insurance rates is to take a Defensive Driving Course oferred by your state. Just call your local motor vehicle office and ask for the name of the course (who offers it) and if it's a course that will lower your insurance rates. Sometimes I've heard of the courses reducing your rates by up to 10&. So for your expensive quote you got it would lower it by up tp 2oo dollars every 6 months.

QUESTION:
Should I notify my car insurance company if I paid for the fix myself?
I had a minor car accident in a Costco parking lot last weekend. I was backing out my parking lot; the other guy was also backing out. Unfortunately, we didn't see each other... Anyway, this seems to be a 50-50 accident. The damage to the cars are moderate and we agreed on just fixing ourselves. So no personal information was exchanged.

I got an estimate today. The cost for fixing my car is not cheap but still lower than the minimal requirement for accident reporting in California. It is also lower than my insurance deductible. So I plan neither to report to DMV nor to file a claim.

But one friend of mine suggested that in this case, I should still "notify" (but not to file a claim to) my insurance company. His argument is that the other party can still come back and sue me (if he is a freak). While we didn't exchange information, the other party may have "remembered" my license plate number so theoretically he could find out all other information about me.

But I am not sure if notifying the insurance company will affect my premiums. What do you think?
I don't have any information about the other party. Can I still report this to my insurance company? I have no intention to go after the other party or file a claim.

• ANSWER:
  Your premiums will only be affected if they have to pay the other guy. The good new is that your insurance company won't pay the other guy if you don't tell them about the collision due to a late-reporting exclusion your policy has.

  In order to obtain coverage under your policy, you're obligated to inform your insurance company of a loss as soon as possible even if it is under your collision deductible.

QUESTION:
first time driver and car insurance ?
I live in California and im 18 and im curious as to which of these two options is cheapest if my mom puts my on her car insurance policy so that i can legally drive her car anytime or if she can put my car on her insurance which is cheaper ? also if i drive my moms car sometimes like to the store or something and i have my license and the cars registration and insurance with me will a cop still give me a ticket becasue im not on the insurance policy or will they be cool because they just want to make sure the car has insurance ?? thanks

• ANSWER:
  Cheaper is not the answer. Coverage is what you need. Your mother needs to put you and your car on her policy, she will get the two car credit and that will lower her insurance, however being that you are not 21 putting you on her insurance will increase so the savings for having two cars will cancel out the additional charge for you.

QUESTION:
GuRLS CAR INSURANCE??
IN california, how much cheaper is girls insurance from guys? Also, If I have a "C" average for my grades, can I get a discount?

• ANSWER:
  about 20% cheaper
  I found very good and cheap insurance companies around your area Here:http://all-car-insurance.blogspot.com/Good luck!

QUESTION:
looking for car insurance?
I’m 18 and I’ve only been driving for a year. No accidents or mishaps and I’m looking to buy a car. However, I have to pay for my own insurance and was wondering around how much that would cost a month? And is it possible for me to be under my parents insurance (I still live at home) but with my own car? Would that be cheaper?
p.s. I live in California

• ANSWER:
  It would be cheaper to have your parents get the insurance. No one here has a clue as to how much it may cost you or Dad. In fact No one here knows what any body's insurance may cost. We are not insurance companies or agents. Only the insurance companies or agents can give quotes. Ask them

QUESTION:
what kind of insurance do i need to get a license in California?
what do i need to get and how do i get it if my parents do not want to put me under there policy and i do not own a car myself. and i am also looking for the cheapest possible insurance

• ANSWER:

QUESTION:
Teen car insurance quotes?
I am 16 years old. Getting my license. My family of four is insured in California with State Farm Insurance. I have to pay for car insurance, which I think is 0 dollars a month with State Farm.
I want the lowest rate possible with lowest coverage (I understand the risks.) Will any insurance company take me by myself without the rest of the family because my dad would not switch.

I have a 1986 Honda Accord, which will be my primary car.
Although we also have a 1976 Ford pickup, would it be cheaper to put that as my primary?

Thanks

• ANSWER:

QUESTION:
How does one go about getting Business Insurance (state of Ohio, City of Hamilton)>?
My wife is going to be starting a Psychology private Practice LLC in the state of Ohio, Butler County, city of Hamilton. She has already obtained malpractice insurance, but she also needs business insurance. So, my questions are:
Does the Agent that sells me my homeowners and car insurance sell business insurance as well, or is there a specialized Agent we will need to contact?
Are there any Web price comparison/online Application sites that can be used for business insurance?

Answers from anyone with knowledge on the subject is appreciated!

• ANSWER:
  It's possible you current "all purpose" agent can help you but you really would benefit by getting an agent experienced in the advanced business markets. The average agent may run across two or three of this kind of situation a year. The specially trained and focused agent often handles hundreds of these. Kind of like choosing which level of experience you want for your surgeon. Look for the credential of either ChFC (Chartered Financial Consultant) or CFP (Certified Financial Planner) behind their name. This kind of business insurance is a pretty narrow and sophisticated market so I know of no internet sites where you can go. You can however do a search for qualified insurance agents in your area. Even a new clueless agent can get help and muddle through this but if you can get a pro, I would. Good luck with the new practice.

QUESTION:
where can i cheap car insurance from?
im 18 and i need cheap car insurance . my parents also have a Business is there a way to add to a Business policy.
i have a full uk licence
ive tried all the comparison sites they quoting me around £5000 - need another local solution
need urgent help on this please?????

• ANSWER:
  Register the car to the business or to one of your parents and then get them to put you on the policy as a named driver. Simples!

QUESTION:
Tour guide car insurance?
I am thinking of setting up a new business where I would offer car tours of the Cotswolds, I was wondering if there was any special car insurance (or/and other insurance/licenses) that I would need? I have Nissan x-trail 04 number plate. I have been on comparison websites, put in my occupation as "travel and tourism" then "tour guide" and it comes up with lots of quotes, but when I ring them to confirm that they are actually covering the correct things they say that they don't cover it. So does anyone please have any specific things that I will need in order to be fully/properly covered?

Note: Everyone tour I do is pre-booked, I can not be 'hailed' on the street to do a tour, so I am not a taxi.

• ANSWER:
  You will be using your vehicle for "private hire" and "carriage of passengers for hire & reward" the same as a taxi does (taxis can be private hire or public hire depending on whether they can be hailed in the street or not). A standard car policy cannot cover this type of use. Speak to your local insurance broker and they can source the type of policy you need - a specialist chauffeur hire or private hire insurer will be required.

  I know that Towergate's Sevenoaks office offer a policy to cover this type of use, and you could also try Adrian Flux or Footman James.

QUESTION:
How can car insurance companies justify this?
I have worked for two car insurance companies in the past so i understand the way insurance works but something has me puzzled. If i want to insure one car worth £500 it will cost me over £2150 at the ripe old age of 24. However if i keep all the details the same but tell them it's worth £4000 it will cost me £964? How do insurance companies justify doubling the price for something that's worth less? The only thing i can think of is that they either dont want the business from people at that level or they are under the assumption that if you car is more experience you are more likely to take care of it.

what do you think?

the quote is from a leading price comparison site.
sorry meant to put expensive not experience.
sorry meant to put expensive not experience.
lol no offence but if you read my question you would have understood that it's the same car (the details are the same!)

• ANSWER:
  The premium is not just about the risk to the value of your car, its the risk of damage to third parties in an accident and what that will cost, though all things being equal, it is not immediately obvious why an increased value of a vehicle would reduce the premium. As an educated guess, it could be based on claims statistics of people who own cars of certain values. This sot of thing can be demonstrated buy the apparent practice of some insurers to change the premium based on the colour of the car.

QUESTION:
Does anyone know of a car Ins company that will insure a car being used to deliver take away food?
I have just started a 2nd job, delivering take away food. My current insurance is due for renewal next wed and i currently have SD&P inc communting, but ive tried adding on my 2nd job and they wont insure me. apparantly, i have to state this as my main job due to increase in risk and include business miles class 1 or 3, i have tried all the 'comparison' sites and they quote a price and when you ring - they cant quote on that job.... does anyone have any suggestions as to which car insurance companies cover this job??? time running owt!!! ta
the police are clamping down in my area on delivery drivers, my mate got busted the other week for not having the correct insurance, i dont wana take chance of getting caught!

• ANSWER:
  If you are in the USA, second one down here will lead to a page with business insurance http://finance.ebookorama.com/ukusa-selected-resources.php
  If you are in the UK, just scroll down a bit to the UK carrier, follow through the car insurance and then choose business insurance, I think they even do pay as you go insurance!
  Hope I managed to help.

QUESTION:
Help Choosing A Good Comparison Website Name?
Hi,

I'm in the process of creating a comparison website comparing lots of different things such as insurance, gas and electricity, mobile phones, broadband, car prices, flights, hotels, car hire, coach and much more.

So we will compare finance, electronics, gifts, property, travel, business and communications.

I'm having trouble coming up with a good name for the business and domain can anybody help please it would be much appreciated if you can help.

Thank you

• ANSWER:
  Compare the Market

QUESTION:
why do liberal keep making these comments?
1. Conservatives oppose National healthcare mandate but dont have a problem with people being required to buy car insurance.
Duh. Car insurance isn't a federal mandate, its State. Even Obama was dumb enough to make this comparison.

2. The Commerce clause allows the federal government to pass just about any law
Federal law is superior to state law.

duh! The commerce clause referes to interstate commerce. Not everything someone does is interstate and commerce is only trade between businesses or governments. theres also a little things called amendments which supersede clauses. Federal law is superior to state law but the Constitution if superior to Federal law.

4. Heres a duzy. The Constitution IS Federal law.
Wrong. Federal law only needs a simple majority of congress and the presidents signature to pass. The Constitution requires a super majority of congress and a majority of the states legislatures.

3 The Constitution defined blacks as 3/5 of a person.
Wrong again. It say blacks shall BE COUNTED as 3/5th of a person in elections because they had no rights. This was put in the Constitution by northern abolitionists to keep slaves states from using slaves to increase their power. The abolitionists would have insisted on Zero votes for slaves but they had to compromise.

4. States rights is what kept slavery legal and the civil war put an end to states rights

Wrong wrong wrong again. States rights is what ended slavery. The southern Confederacy required states respect the institutionon of slavery, and the Dred Scott decision in favor of slavery, was decided by the US supreme court AGAINST states rights. It was also the federal supreme court that ruled against the right of states not to return escaped slaves back to their masters. Having slaves was never a right, but the Constitution applied to all states so the civil war was to overcome activist judges that supported slavery thus preserving the constitution, including states rights.

these are only some of the most ignorant things I hear libs ask that are so obviouse.
Nicholas J. How am I taking pot shots at abolitionists? Only some Constitution hating (liberal) could think supporting the constitution does that. Your reading comprehension is terrible. Being counted at 3/5th of a vote doesn't mean less then equal in rights and citizenship. You just demonstrated your racist views.
Nicholas J. Lincoln was against slavery duh
cantanke, how does allowing (buying insurance) across state lines violate States Rights? Why dont you name the state that wouldnt allow it.

• ANSWER:
  1. republicans came up with the idea of the mandate.

  Remember the optional public option we originally wanted?

QUESTION:
Business/Website Name Suggestor?
Hi,

I'm in the process of creating a comparison website comparing lots of different things such as insurance, gas and electricity, mobile phones, broadband, car prices, flights, hotels, car hire, coach and much more.

So we will compare finance, electronics, gifts, property, travel, business and communications.

I'm having trouble coming up with a good name for the business and domain can anybody help please it would be much appreciated if you can help.

Thank you

• ANSWER:
  quickcomparison.info

  utilityreviews.com

  compare-everything.com

QUESTION:
In what era were doctors paid the most? (in comparison to engineers and lawyers?)?
My aunt is a doctor and always complains that she never makes enough money for the amount of time, work, and tuition she invested into becoming a doctor. She says that malpractice insurance and Obamacare will probably lead the doctors being paid worse than they are now. I don't really have a good sense of well doctors get paid. My relatives tell me to become a doctor for the financial compensation because I know that is one of the worst reasons to become doctor. But I'm kind of skeptical of well paid they are. But she seems to imply that there was a time when doctors were paid quite handsomely.

Certainly, when I think of golf playing people driving sports cars - I usually think of business executives and not doctors. Is my impression true at all? People outside my family do tell me there are much better fields to go into if you simply want to make money.

My other aunts and uncles all went into engineering into the 70s and 80s because it was supposedly a hot field. They are still making a good living, but my uncles who are electrical engineers have been forced to relocate on a couple occasions for their jobs. They seem to be out of work every couple years, because I think their work is on a contract basis. They are also older and they tell me that makes them more expendable. They thought their youngest sister was crazy for becoming a doctor because I guess they didn't think it was a good career to get into at the time.

So, when were doctors the most well off? 70s? 80s? 90s? Probably not this decade, right? I wouldn't think the earlier part of this century because the health standards probably weren't implemented yet, right? Do you think tough and increasing health standards have anything to do with doctors and their salaries?

• ANSWER:
  Possibly the 70's; although most MDs never make anything like well-paying lawyers make (there are many lawyers just getting by, but the higher paid ones in the corporate world are very very well paid). Engineers have always made a very solid middle income wage, but they are at the whim of the industry & have had to move as the large companies move (my father was an aerospace engineer). Medicine traditionally, has never really been about money. Doctors in the 1700-1800's were not paid all that well and worked very hard; as is true for almost all decades since except may be a few in the "roaring 70's-ish to Reagan years" when a lot of different professions raked in money. Further, MDs have always had a lot of overhead that other fields do not have: multiple licenses that need renewal, CME requirements, malpractice premiums, books & equipment.

QUESTION:
overbearing/strict parents?
I am 18 years old and am attending college, i work, i pay for my gas, insurance, cell phone, and most everything else. I am just your average teen who has had no trouble with the law and my parents haven't caught me with anything. I maintained decent to good grades in high school and had no discipline problems. My parents are pretty strict in comparison to most of my friends which has been difficult for me. Through out high school i had a weekend curfew of 10-12 and i wasn't aloud to stay the night at friends houses because they thought i was going to party. Most of my friends now, and through out high school have not been the most angle of kids and like to party and have fun just like a lot of teens do. I enjoy partying, clubbing, and concerts and things like that, but its hard when my current curfew is home by 1:30 am if i'm lucky. In reality i am living a double life with a fake life i'm pulling at home as this innocent kid who wouldn't do a thing and my other life out with my friends. My mom was a good christian girl so she expects me to be the same. My friends parents allow them to stay out as late as they want and don't get into their Business as long as they stay away from the law and work as well as go to college which i believe is fair because we are legally adults, but my mom says her house, her rules and she says she will threaten to take my car away or kick me out if i " get out of line" which i really need. She is very stubborn and its her way or no way. i believe my mom is being too strict and i cant really afford to move out for a while. should i just live my life the way i want and take the risk of loosing things and trust, or should i could continue things as they are which is safe, but it makes it hard for me to make and keep friends and girl friends especially in college when i'm having to be home earlier and always having to tip toe around my mom .

• ANSWER:
  Is it really such a large price to pay to live as your mother wants you to do while you're in her house? You sound like a decent enough young man so you shouldn't be in a hurry to get into trouble. There is going to be plenty of time for that in a few years when you are responsible for yourself.
  In the meantime why not continue to live and learn from your your mother? You may think you know it all now but I know that five or ten years down the road you will see how smart she really is.

QUESTION:
Am I wrong to feel this way about my step siblings and my deceased stepmom?
My dad married my step-mom (Sheila) when I was about 10 (I am 30 now), and to this day, I have always felt like my younger sister and I took 'the backseat' in comparison to the treatment that my stepbrother (Eric) and stepsister (Jenna) received. They were always allowed more privileges, allowed to get away with certain actions that my sister and I could not, etc. Any time I would bring this to my dad's attention, he would become very defensive of the 3 of them, and try to lay 'guilt trips' on my sister and me, or accuse us of jealousy. TO THIS DAY, he still is very defensive if I try to talk to him about how I felt slighted in the past, and still do in some ways. I guess, to an extent, my sis and I may have been a little jealous at the time, but now in retrospect, it seems more like it was frustration.

About 6 years ago, Sheila died of complications of lupus. Now, I don't even dare say anything about how I feel or have felt, around my dad, even though, deep down, my feelings are still a little hurt that by what felt like favouritism toward them on his part. However, in the years since her death and as a result of a very large life insurance policy, Jenna was able to enroll in and gain both a Bachelor's and Master's degree in Art from a private and very prestigious university, and Eric was able to establish a martini/cigar bar. They've both been able to travel, buy new houses and cars, etc., while I am struggling just to get through a community college (even w/ financial aid), and my sis had to drop out of college altogether -due to losing her job. Each of us have cars that are falling apart. My step-sibs are still involved w/ my dad and his family -which I am very proud of them for doing, but every time my sister and I attend a family event or gathering, we get to hear about "blessed" and "happy" and "successful" they are. I know that all of these good things came about b/c they had to lose their mom -and I am sorry when anybody loses someone they love, but it's still very hard to be happy for them when I am struggling so. My dad is also struggling and just trying to hold out for retirement. My sis and I are also hurt that when our step-mom died, NOT A DIME was left to us, though we loved her very much. I have never expected an education from a private university or the financial backing to open my own business, but a little something -anything,even just enough $ to buy new tires- would have been helpful, especially in this economy. Even though it isn't good for me to jump to conclusions, I know w/ all my heart that my dad will see to it that Jenna and Eric will be taken care of as well as (if not, very close to) Sis and I are when he passes.

I just want to know if I am wrong for feeling this way, especially since Sheila is dead and cannot defend herself. I know that I should be talking to my dad about this but it is hard, b/c like I said, he is very defensive of the 3 of them, and has always tried to turn things around like my sis and I are bad for having an inkling of negative emotion, concerning them. I don't dislike Sheila for forgetting about my sister and me, nor do I dislike Jenna and Eric, and I don't dislike my dad for being so "whipped" when it came (and still comes) to them, I'm just frustrated and I would just like some input w/out bias (which is why I am not talking this out w/ family!) and so that I may gain some perspective on the situation. Any opinion or insight is welcome, but this has been troubling me for a long time, so serious answers only please.

• ANSWER:
  You have experienced the same things a lot of children from mixed families experience. I have no doubt that your father favored his step children over his biological children. I also know that he knows as well. What he won't do is admit that he allowed favoritism and that you and your sister were not the ones favored. Even after all this he will not validate your feelings and you have a right to be frustrated and angry. It adds salt to the wound, when you see your step siblings prosper and you and your own sister are struggling for everything you have. Knowing that if you broach the subject with your dad you will get blown off or he will become defensive you must make a decision. Either forgive and forget, or confront him and get out all of your frustrations. It was wrong for your stepmother not to include your father, your sister and you in her insurance policy. That is something she will have to answer for. The best things in life are the ones you work for. So dig in your heals and get to work at your community college. You and your sister can ban together and encourage each other along the way. Jealousy is normal, but you don't have to feed on it. Make your decision concerning your father and stick with it.

QUESTION:
overbearing/strict parents?
am 18 years old and am attending college, i work, i pay for my gas, insurance, cell phone, and most everything else. I am just your average teen who has had no trouble with the law and my parents haven't caught me with anything. I maintained decent to good grades in high school and had no discipline problems. My parents are pretty strict in comparison to most of my friends which has been difficult for me. Through out high school i had a weekend curfew of 10-12 and i wasn't aloud to stay the night at friends houses because they thought i was going to party. Most of my friends now, and through out high school have not been the most angle of kids and like to party and have fun just like a lot of teens do. I enjoy partying, clubbing, and concerts and things like that, but its hard when my current curfew is home by 1:30 am if i'm lucky. In reality i am living a double life with a fake life i'm pulling at home as this innocent kid who wouldn't do a thing and my other life out with my friends. My mom was a good christian girl so she expects me to be the same. My friends parents allow them to stay out as late as they want and don't get into their Business as long as they stay away from the law and work as well as go to college which i believe is fair because we are legally adults, but my mom says her house, her rules and she says she will threaten to take my car away or kick me out if i " get out of line" which i really need. She is very stubborn and its her way or no way. i believe my mom is being too strict and i cant really afford to move out for a while. should i just live my life the way i want and take the risk of loosing things and trust, or should i could continue things as they are which is safe, but it makes it hard for me to make and keep friends and girl friends especially in college when i'm having to be home earlier and always having to tip toe around my mom.
also i'm not much of a fighter, i stay away from arguing as much as i can

• ANSWER:

QUESTION:
Does admiral car insurance ask you for the no claim bonus proof?
I am buying insurance from Admiral and I've lost the renewal letter from my previous insurer. I've asked them many times to send me the ncd certificate, but they didn't. Now I wonder if Admiral or Elephant car insurance ask me to provide no claim bonus proof?
Anybody have any idea?
Thanks

• ANSWER:
  Yes they do.

QUESTION:
UK car insurance: does reporting an accident where neither side claims affect your No Claims Bonus?
I insure my car with Admiral insurance in the UK. Recently I was involved in a very minor accident, for which I do not intend to claim. It is not clear whether the other party will claim from their insurance or not. If I report the accident to my insurer, even if neither side actually puts in a claim pertaining to the accident, will this be considered as a claim for working out my No Claims Bonus next year?

• ANSWER:
  I had a similar situation a few months ago. Someone clipped my back bumper, no major damage, and no injuries (thankfully). She was humming and hawing about whether she should put it through her insurance.
  What I did was to straight away report the incident to my local garda station, just to have the incident on record, and I phoned my insurance company the following day. I didn't give my name, just made the specific enquiry - did I have to officially inform them of an incident in which I had no liability and no claim in. They told me I didn't, so I didn't officially inform them of anything!
  The best thing always is to get any minor incident on record in your local police station - that way, you have some recourse if the other party decides to change their story - that happened once to a friend of mine, who ended up getting completely scr*wed by the other party.

  Good luck.

QUESTION:
admiral car insurance wont pay me?
ok a girl crashed into my car a while back and the claim is settled in my favour however admiral have told me that they have tried to pay into my bank but say it has been refused due to my date of birth being wrong i have spoke to my bank and they say no attempts have been made to pay it in that they can see from their end and their is no reason why anyone would have my dob wrong now the insurance company wont even talk to me they say its being investigated by their team I HAVE PAID DEPOSIT ON ANOTHER CAR AND NEED THE INSURANCE MONEY OR ILL LOSE BOTH SOMEONE HELP ME PLEASE !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

• ANSWER:
  There must be more to it than this. If your DOB is found to be incorrect on your proposal form, you may find your claim fails completely.

  If you've not yet made a formal complaint to Admiral, do so now and head the letter 'complaint'. This will ensure they follow the correct processes within given timeframes.

QUESTION:
Admiral car insurance and the case of the missing points.?
I've been with Admiral car insurance since 2004. Each year i've pretty much let my insurance automatically renew. In 2006 i got 3 points on licence for a speeding offence (my 1st and only). I believe I let my insurance company know of this, but I cannot be certain. These points have now expired as it was over 3 years ago. I got my renewal through the other week and decided to switch insurance companies. I phoned Admiral to let them know this. They said they would try and match the price. They went through the details of my existing policy. When they asked about points on my licence, I said "no new ones, other than the ones you already have on record for me". The girl search the database and found no record of this. Instead of matching my price to the other quote she then said I owed them over £200 for all the 3 previous years policies which did not have these points on. Obviously I was a little shocked by this. I have now switch companies. Admiral still insist I owe them this money. This is despite all of the insurance policies expiring and me never even making a claim. I want to know if they can ask me to pay more for a policy which has already expired and to which I have never even claimed?

• ANSWER:
  Going by your dates you still have those points and yeah you might owe them the money but they won't be able to do anything about it.

QUESTION:
Admiral refusing to re-instate my car insurance policy.?
My car was recently written off, the other driver was at fault. I was told by Admiral they were refunding my policy which had 6 months left, and that when i found a new car they would re-instate the policy with the new vehicle.

The claim and everything got settled, other insurance company accepted responsibility etc.

Ive now found a new car, but after ringing up admiral for a quote on re-instating the policy for the remaining 6 months. They say i am not able to do this.

So ive now lost 6 months no claims, and have to start again with the 1 year no claims i allready had when i took out the policy.

Is there anything i can do about this? Surely its not right?

All i can think of is ringing up some sort of complaints line!

• ANSWER:
  phone them again, chances are you'll find a different person from a different planet

QUESTION:
Car insurance Claim urgent, consequences of going into dispute.?
I was waiting in front of a traffic light on a two lanes dual carriage way in central london. the car in front of me waiting to turn right, so I light my indicator light and turn left into the slower lane. Than I hit a car (a jaguar owned by an posh man). We swap contact on site and as he was in a rush, we didn't take photos. He already informed his insurer and the question I got are as follow:

1- I just changed to a new insurer (Admiral)on Tuesday 23:30 and the accident happen on Wed 19:00, will that cause me any problem?
2- My friend said it may be a good idea to deny the responsibility and esculate the claim into dispute. I wonder if that will cause me any problem or any extra money to pay except my excess (£350)?
3- As I got comprehensive insurance, should I repair my car as well? will that worsen the case? my friend told me my damage will cost about 350 to repair...since i am new driver, the insurance company may charge a lot for any previous claim I made....
He contacted his insurer, Should I do the same or I should wait the insurer to contact me?
Did any make a claim with admiral insurance before? what will be the procedure? are they good insurer?

Except the £350 excess, other charge I might have to pay?
3 - Yes repair your own car because claims will increase your insurance buy 20% for 3 years?

you mean the claim for repair my own car? or any single claim? I am claiming for his car already, so I am asking if i claim the repair cost for my own car as well as his will make a different comparing with only claim his.
3 - Yes repair your own car because claims will increase your insurance buy 20% for 3 years?

you mean the claim for repair my own car? or any single claim? I am claiming for his car already, so I am asking if i claim the repair cost for my own car as well as his will make a different comparing with only claim his.

• ANSWER:
  1- Should not cause a problem but they may do a few extra checks

  2- Not your descision- you have to pass details to your insurer and let then decide how to proceed, do not have any direct contact with the other driver or their insurer - this is a condition of your insurance

  3- See 2

QUESTION:
What happens to your car insurance when you selll a car?
Bit of a general question but I've got two cars insured on an Admiral Mult-Car policy, one with four years no-claims, the other with one years no-claims. Both started within the space of two weeks last month. I'm thinking about selling the car I have with four years no-claims on it but I was wondering what happens to the insurance?

For example, do you get your money back for the 11 months you've already paid for (I've paid annually, not monthly)? Do you lose your four years no-claims if you don't insure another car on it? I will be getting another car to replace that one but maybe not straight away.

I've never sold a car before so any help or advice regarding insurance related things would be brilliant. Thanks in advance.

• ANSWER:

QUESTION:
Can I use my No Claim Bonus as a named driver with Direct Line, on my new Main Driver Policy with Admiral?
I've built up 2 years NCB with Direct Line as part of my parents car insurance. Can i use this no claims discount with Admiral (or any other company) or is it only recognised by Direct Line?

I only ask as DL have extortionate prices!

Thanks in advance

• ANSWER:

QUESTION:
Car insurance questions?
I'm just coming up to the end of my first year of driving. My insurance is due on the 12th of December. I was quoted £1700 by my current insurer, which obviously, I'm not paying. I've now managed to get an insurance quote from Admiral for £680. My questions are;

1. No Claims Bonus - I'm on track to have 1 years no claims but obviously at the moment I wont have? I want to pay for my insurance ASAP so can I just put 1 years no claims on the form and put the start date as the 12th?

2. Do I need to tell my current insurer I wont be renewing with them? Is there some sort of automatic renewal system in place with car insurance companies? My dad threw the renewal letter out so I have no way to check myself short of ringing the company but I wont be able to do that until Monday and I kinda wanted to buy my insurance now.

• ANSWER:

QUESTION:
Insurance Advice for a 18 year old male?
Hello
im a male thats 18years old and live in birmingham, iv pased my driving for one year now (25th jan 2010) and i cant seem to get any decent insurance quotes, iv practically tried everything, i have pass plus with 8hours and my cheapest insurance quote is

3100 per year thats with my dad as a first driver (hu is 60 and has 5years no claims) and sister as second and me as THIRD , which is 3rd party fire and theft with admiral car insurance on go compare, iv tried all compare websites and ikube insurance and awl are rudiculous quotes like 6000 on my name

the car is a fiat punto 1.2litre 2000plate

can anyone tell me if this is worth it or shall i give up ??

thankyou any adivce would be deeply apreciated

• ANSWER:
  I waited until I was 21 before buying my first car.

  When you tried yourself as the third named driver, you are not insured, it's fraud known as fronting.

QUESTION:
Car insurance excess (UK)?
Long story short. I slid on ice into the back of a car this morning at a roundabout. I've reported the accident. Damage was nothing major. Worse on my car than hers to be frank.

I won't be making a claim on my insurance (fully comp) because my excess is £700 (yes, I did just say £700). My car isn't even worth that so there's no point. She had a newish Renault Twingo so I should imagine she would be. Though Admiral have confirmed that I can settle the dispute privately if I wish.

All I'm asking is that if I make no claim for damages BUT she does, do I pay that £700 excess for her? Or is the excess only for damages YOU claim for on your car?

Any help would be much appreciated.

• ANSWER:
  what happens is... she claims against your ins, for everything from the scratch on the bumper to whiplash, time off work, and compo... DO NOT try to sort this yourself, let your ins company do it,

  she will clam thousands in damages and costs, you dont pay a penny. your ins does, you however, get them to repair your car, and pay the first 700 quid, or you cancel the policy, (transfer it to another vehivcle) and carry on... paying thru the nose, coz next yr, expect a 200% increase...

  example, tony smashed his mercedes, ins cost, 275 pounds, he flogged it on ebay, and went from a group15 car, to a group 8 vauxhall diesel (vectra) ins cost, 875quid...

QUESTION:
How would you haggle the best car insurance in this situation?
cheapest quote on comparison website:Admiral quotes, £919 apr 8.9% access of £750

Key Info:
Car Vw Polo 1.4
1yrs no claims
i do not want to pay no more than £500 accesss

what I would like to know is the difference ways in how you would approach this matter, how would you haggle the insurance company to go cheaper and to how much would you be targeting from the price stated above.
re-newel date with my current insurer is at the end of the month but their apr is stupidly high

• ANSWER:
  Might sound daft but get your yellow pages out and start phoning round!
  It does take up time and is not as convenient as on-line but you do have the opportunity to talk to people who want to sell the insurance to you and can offer discounts that you might not get on-line, also the rep on the phone will ask you if you've had any quotes already, then may try and beat the quote.
  It's worth knowing that, from time to time, insurance companies get panicky if sales are down and offer lower insurance to get more custom.

QUESTION:
car insurance excess?
I was involved in a bump on friday evening which was my fault, there's no damage to my car, not even a scratch, however I have received a call from admiral saying the other person has put a claim in and they have been given a hire car, there didn't appear to be any damage to the other persons car, just maybe a scratch, will I have to pay my excess in this case? if yes approximately how much will I have to pay? my excess is £500. thanks

• ANSWER:
  you will pay it all ...the excess is not just for damage to your car..its £500 off any claim ...

QUESTION:
keeping insurance between buying cars?
I'm with Admiral and have just got rid of a car as it was involved in a accident but i didnt need to claim..Admiral know about this. I am getting another car next week but what do i do about the insurance inbetween then? I cant swap the cars over on my policy yet as i am not the registered keeper. Would my insurance company allow me to keep the policy until i get the car?

Thankyou.

• ANSWER:
  For the sake of a week or so I wouldn't bother. After all, from an insurer's point of view you represent no risk at all if you haven't even got a car!

QUESTION:
for a no claims discount, do I have to show them the last certificate?
I have been driving and insured for 1 year and 8 months. The first company I was with (quinn) lasted 1 year, and got 1 year's NCD. Then I went 8 months on a pay as you go car insurance which, according to ecar, also counts as 1 year NCD.

Do I give the new insurance company (Admiral) the quinn NCD information or the ecar one? Will it make a difference? I have declared 1 years NCD on the admiral policy as it isn't technically 2 years yet.

Thanks in advance

• ANSWER:
  You have to prove in writing, entitlement to a NCB.
  They will accept whole years only
  To prove it normally you use the renewal notice - hopefully you still have this from when the quinn one ended - if not then you have no NCB

  The eCar one may well be valid as a years NCB but it will only be so if you stay with eCar - not if you go with any other insurer.

QUESTION:
Admiral incurance cancellation... advice needed?
Ok i opened up an insurance policy with admiral back in april on my vectra 2.2 sri. it has a few light mods, alloys, exhaust, tinted windows. it was third party fire and theft policy and due to the monthly payments making the amount i payed yearly over £2000, i decided to pay in full, which worked out at around £1350. I am 22 years old (was 21 at the time) and have/had no years no claims. I thought with my circumstances this was fairly reasonable and it all went well. In august i bought another car, a nissan 200sx with quite a few performance mods. So i rang around quite a few insurance companies and it turned out my best deal was to change my existing policy with admiral to this car, carrying on the same policy. All i had to do was pay an extra £191 which was great, they were very helpful and even said they could take this payment the following day. So the next morning i transferred the money over to the account which they were to take the money from. All was going well or i thought until i realised a few days later that they hadn't actually taken the money from my account, with it still sitting there. So i thought they had just made a mistake and they would eventually take the money from my account. It was only on friday when i realised i had a payment of a little over £700 in my account from admiral, which rang alarm bells. I rang them up immediately and asked what was going on to which they told me that they had cancelled my policy and refunded me the remaining for the year. According to admiral they had tried on two occasions to take the £191 from my account with no success and regarded it as a non payment and cancelled my whole insurance policy. They told me they had cancelled it on the 7th of september, and luckily i had not driven the car since. Obviously i was very confused and quite concerned, as this was the only way i found this out. Now they said to me that they had sent a few letters to my home address (which is my parents address and i dont live there - which they know) But had not called me once which they also have my mobile number.

So my question is why did they cancel the whole insurance policy and refund me, when i payed the full amount in april with the knowledge that i would not have to worry about it until next febuary? And do they have the right to do this?
How come they did not ring me prior to this as a warning and i could of payed the £191 there and then.
Also they would not accept me paying them back the full amount they refunded me including the £191, instead they told me the policy was cancelled and there is nothing i can do about it.
Is there anything i can do about this, as i am also finding it very difficult to reinsnure my car.
Any advice much appreciated.
This is my girlfriends account i am using, cheers, simon.

• ANSWER:
  Let me start by saying I Know nothing about car insurance - I do not drive.

  However I have to ask why car insurance companies were sending mail to an address ( your parent's house and not to you)

  Can you verify that this mail was actually sent?

  That said if the cash was in your bank and admiral claim it could not be collected then
  1. query this with your bank.

  Also I am confused as to why admiral are not content to reinsate the policy?

  But something I do know about is Fighting companies who rip off and re set the goal posts so to speak

  There are many channels open to you on this Consumer rights - tradeing standards etc.

  It all depends on how much you can or want to engage with them.

  maybe you could write to admiral - keep a copy - send it recorded and make clear what happened

  You can enclose photo copies of bank statements etc to prove you had this cash on deposit at bank as was thier request.

  The bank can give you statment if you do not have one.

  -------------------------

  Admiral is the trading name of EUI Limited. Insurance is effected between EUI Limited and certain insurers as listed on your Certificate of Motor Insurance. Its registered number is 2686904 and its registered address is:

  Capital Tower
  Greyfriars Road
  Cardiff
  CF10 3AZ

  Motor insurance policies purchased on this website are underwritten by the insurance carriers listed on your Certificate of Motor Insurance.

  The subscribing insurers' obligations under the contracts of insurance to which they subscribe are several and not joint and are solely limited to the extent of their individual subscriptions. The subscribing insurers are not responsible for the subscribing insurer who for any reason does not satisfy all or part of their

  http://www.admiral.com/aboutAdmiral/aboutAdmiral.php

  What or who were the insurance carriers listed on your policy?

  Can you contact them directly?

  ------------------------------------

  http://www.admiralgroup.co.uk/corporate/management.php

  This lists the top execs at the company
  write to any one of the top 3.

  Tip - when writeing to complain always say something positive - maybe how pleased you were at the initial service etc.

  And ask why you were told they were in effect refuseing you insurance.

  Now onto the Bank side of things - They can and do make mistakes.

  If at all poss Go to the branch - Take a witness -

  Ask about this - be nice - just ask if you can please check about the non collection of funds etc.

  see what the say - do not be fobbed off - there will be a record of this non collection and that can be checked.

  see here for a complaints proceedure and help.

  http://www.financial-ombudsman.org.uk/

  Hope this helps

QUESTION:
Dilemma about what to do about a car?!?
Ok my peugeot 1999 1.4 206 is unrepairable and i have 2000 to buy a new car asap!! Ive been looking at ford Kas and have found one for 2000. 53 plate, 50 000 miles, black, full service history and leather seats. I checked with my insurance to see how much it would be to change my insurance (admiral) to this and they quoted me an extra 200/250 pound (total £800) !!!!!!! This seems ridiculous for a Ka. I'm 20 years old, female and have been driving for two years (two years no claims bonus). Can anyone give me some advice on what to do about my insurance... or maybe getting a car on finance if its cheap monthly payments. I'm really stuck!! (i did want a ford fiesta but they seems to be nothing on the market for my price). Help
I do not want to buy another 206. Its been problematic and has lots of faults!!! cost me lots of money!

• ANSWER:

QUESTION:
I want to change car insurer?
i am currently with admiral insured on a 1.9 dci renault megane.

i am a 19 year old male with 1 years no claims bonus, i have been looking at getting a new car which is a suzki sj 1.3 1988.
The problem i have is that i have paid around £1500 upfront for a year of insurance, but now i hav efound a new car i have also found that rac insurance is cheaper, if i cancel my insurance with admiral now will i get the £1500 back, well taking into account i have used a month insurance so that £1500 will go down a bit, im just checking to see if i can do this to stop my self from losing £1500

thanks

• ANSWER:
  You should receive a pro-rated refund

QUESTION:
A driver crashed into the back of my car today?
His insurance company have texted and said "We are sorry to hear you have been involved in an accident with our insured. We may be able to help with any damage caused to save you claiming with your insurers and paying an excess. We can also supply a free replacement vehicle to suit your needs. Please call 0800908083 Admiral"

Is it best to do this route or phone my insurers?

• ANSWER:
  Go to your own insurance and tell them of this phone call and the number

QUESTION:
Insurance company creating non existent claim?
My girlfriend while parking thought she knocked another car, would have only been going 5-10mph. She got out to check meanwhile the owner comes back and asks her to move her car so he can drive off. She apologises says she might have hit his car but can't see any damage, he checks spots a mark, she rubs it it comes off, he says to stop she might cause more damage. Details are exchanged.

My girlfriend is a new driver didn't take any pictures and was concerned this guy would try and make out there's damage. So phones Admiral and tells them there's no claim yet but someone might make a claim she will contest. After the call she gets a "Claim confirmation" email from admiral advising her that the claim will probably not go in her favour so she will loose her no claims bonus.

We hear nothing for two days then the other guy leaves her a voicemail saying he wasn't going to take it further but Admiral called and "insist" he has his car inspected for damage. So he's now going ahead with that.

This is very strange and neither party at this stage alleged any damage has been done yet Admiral are pursuing a claim. Surely this can't be right? this is causing a lot of wasted time and stress for all parties.

• ANSWER:
  When you call an insurance company to report a loss (even a potential loss), you are putting them on notice, and they are required to establish a claim. They can't demand that the other party accept payment, but they are within their rights to inspect the vehicle. If the other party doesn't want to take it any further after that, he won't have to.

QUESTION:
What injury lawyer to use?
I was recently involved in a road accident in London when another vehicle bumped into my car from behind. I will like to pursue a whiplash injury claim. Although my insurer (Admiral insurance) has referred me to their lawyers, I wasn't satisfied so I searched the internet and found so many injury lawyers such as: injurylawyewrs4u, national accident helpline etc.

(i) Please what's the best thing to do? Should i go for one of them or stick to the lawyers provided by my insurer?
(ii) Also will the No Win,NO fee offered by many solicitors minimize any legal costs in the long run?
(iii) How long does it take to settle a typical claim like this

Any useful advice will be much appreciated. Thanks!

• ANSWER:
  Have a look at the Citizens Advice Bureau guide to personal injury claims at
  http://www.adviceguide.org.uk/index/l_claiming_compensation_for_personal_injury.pdf
  If that doesn't give you the information you need then visit your local CAB.

QUESTION:
What happens now its been saughted?
Back in 2009 i had a car crash on which the other driver came on my mind from behind a line of parked cars and smashed into me.... As we both did not admit liability my insurance (Admiral) told me we both had to put down the crash was our faults until it was resolved which i have done since 2009 but finally it has been settled, the third party solicitors asked for a 70%/30% in my favour which i just took as my solicitors advised that its a good deal and may not get as much if it went to court.. so now i have taken 30% responsibilty what happens now.... do i lose my no claims (which btw was not protected) is the crash claim on my policy atm still going to stay as my fault???? i dont know what happens if i admit 30%
Any help would be great.

• ANSWER:
  Way too complex an issue to be covered on here, if it's taken legal experts 2 years to reach a settlement what do you think a bunch of dumb-a55es on the internet are going to be able to add ?

  You need to ask your insurance company about your NCB.

QUESTION:
Help Choosing A Good Comparison Website Name?
Hi,

I'm in the process of creating a comparison website comparing lots of different things such as insurance, gas and electricity, mobile phones, broadband, car prices, flights, hotels, car hire, coach and much more.

So we will compare finance, electronics, gifts, property, travel, business and communications.

I'm having trouble coming up with a good name for the business and domain can anybody help please it would be much appreciated if you can help.

Thank you

• ANSWER:
  Compare the Market

QUESTION:
insurance companies what do i do?
I am due to renew my car insurance next month and have been quoted an extra 500 pound by my insurance company so checked comparison sites. I had a non fault accident last year which i went through my insurance company, this was settled with all costs being paid through the third party and i never lost any no claims. I seem to be being penalised for this though as if i put my details in and admit to this in the options the claim goes up and if i leave it out the prices go down. It wasnt my fault and this claim was quickly sorted out. Changing my car isnt an option as its on hire purchase and im only half way through the term. Im having trouble with my neighbours so cant even leave it on the drive (sorned) incase they damage it. I have 5 years no claims which doesnt seem to make a jot of difference,Are there any independent insurers that may be cheaper or am i better with the bigger companies. I know i can invalidate the insurance by not admitting a claim even if it was no fault of mine, am so mad..

• ANSWER:
  Shop arround by phone and on the internet but be completly honest and consistant with your answers to the questions. Also bear in mind that car insurance has gone up by an average of 35% for everyone this year! Good luck.

QUESTION:
Please suggest a name for a comparison website.?
Can anybody help please, we are currently designing a website which compares insurance, energy suppliers, mobile phones, broadband, flights, hotels, car hire, car prices, shopping (electronics, computers, gifts), tickets (concert, sport events, theatre) and much more.
We will also be able to find reliable tradesmen, offer instant home improvement quotes.

Any suggestions would be much appreciated thank you.

• ANSWER:
  unameitwecompareit.com

QUESTION:
Business/Website Name Suggestor?
Hi,

I'm in the process of creating a comparison website comparing lots of different things such as insurance, gas and electricity, mobile phones, broadband, car prices, flights, hotels, car hire, coach and much more.

So we will compare finance, electronics, gifts, property, travel, business and communications.

I'm having trouble coming up with a good name for the business and domain can anybody help please it would be much appreciated if you can help.

Thank you

• ANSWER:
  quickcomparison.info

  utilityreviews.com

  compare-everything.com

QUESTION:
He puts no effort and ignores my efforts?
I have been with my boyfriend for going on 7 months. The first few WERE amazing and he has been loyal and pretty honest. We only live 7 minutes apart, but with college and work we wouldn't see each other every day, but we called every day. 3 months ago, his job started cutting his hours. I was hired a month after that at a salon, and I work 30+ hours a week in comparison to his 20. I work day shifts 10-6 or 9-5 and he works evenings 5-9:30. He used to make effort to see me with his busy work schedule, and even though I work now I still try to see him and call him when I know he is home, but half the time he doesn't pick up, and during my 3 days off he doesn't work until 5, but he won't even bother to spend even a few hours with me before he heads to work. The thing that gets me is, I'll cook for him, or offer to treat him to dinner, or plan something and he'll disappoint me. But I've gone to his shows (he and my brother play in a band) I've went to his little brother's baseball games, visited his grandma with him, and nearly every weekend his mother disrupts our plans by asking him to pick up her and her friends then drop them off at a club, 3 hours later go to pick them up from a diner, wait for them to finish eating and drive all 3 drunks home and by the time he and I get back from doing this the night is over and we spent 0 quality time together. We see each other maybe 3 times a week AT THE MOST, but he will drop our plans to drive his pothead dad around or his drunk mom to the club. I could understand if they paid for his college, his car insurance, his phone, medical...anything, but he supports himself and these people do little to nothing for him. I have fed him, bought him clothes he needed, drove him places, etc. He didn't even get me a card for my birthday or come to my party. He used to treat me to dinner or movies when he could, but I always drove us everywhere we went. I can't even get him to do something free with me. What is happening?

• ANSWER:
  He's just not that into you. I suggest you move on...

QUESTION:
Best car insurance ?
I am 24 and will be 25 in March. I just moved from Alabama to Atlanta, Georgia for work. I just graduated college and started working. I am in the process of getting car insurance. I have been covered in Alabama with State Farm insurance. I called to see if I could just switch the policy over to the state of Georgia but they said I have to start a new policy. I was covered under my parents which was a lot cheaper. I know my rates should go down when I turn 25 in March but I have to get insurance now. What would be the best insurance to go with. I have a 1999 Nissan Pathfinder. I have had 1 speeding ticket and 1 wreck. There wasn't another car involved in the wreck and my car was totaled. Both the wreck and ticket were around 6 years ago. A couple questions.. Does my credit get checked when getting a quote for car insurance? Will my score go down each time I get a quote? My score is around 750.

• ANSWER:
  If you are concerned about costs, get rates from multiple insurers that you would feel comfortable with (When I did mine, I did Allstate, State Farm, Nationwide, Cincinnati etc and it turns out that the one I was covered under with my parents before they switched to Allstate because Allstate was cheaper for them was actually cheaper for me). Your credit score will most likely be checked and it won't go down unless you have 3 consecutive checks. Your credit score is very high so you have nothing to worry about. If your ticket was that long ago, I'm sure it's off your record (I'm pretty sure they only keep it for 5 years).

QUESTION:
Legal questions about "Failure to maintain lane" charge?
Towards the end of August I was on my way to breakfast at about 5:00 down a back road. The GPS took me down this road in Augusta, GA and it had a 90 degree turn. While I was taking the turn I had to swerve to avoid hitting a deer. I avoided the deer, but ran off the 90 degree turn and totaled my car.

When I ran off the road I ran over a sewer cap embedded in a concrete platform that stood out of the ground about 1-2 feet tall. This is what did a majority of the damage to my car. No one was around to see the accident and I did not get hurt so I called 911 to report the accident. The car was towed and the officer wrote me a ticket for "Failure to maintain lane" and assigned me a court date of 10/4/10. I missed the court date due to a last minute business trip in New York for a month. I missed the court date and did not realize it until yesterday.

I live in SC and I called the Georgia offices to get the situation resolved. They basically said it would be easiest to just pay the 0 citation.

I don't feel like I'm terribly at fault with no witnesses around and having to replace my car with a deductible. I didn't damage the concrete/steel sewer apparatus of the city either. Should I just pay the 0 citation?

My concern is if I can get the court date rescheduled and get the citation dropped or reduced possibly? I would rather not get in a points bind and have this on my record if possible. An increase in insurance rates would hurt much more than the 0 fine. Also, I have not had a traffic citation in at least ten years.

What's the best course of action to take?
To add more details based on feedback...

I never speed, I'm too old for that, I was going 40 in a 35, which 99% of society would not consider speeding.

As for it sounding fishy, let me clarify. It was a paved road near the gates of a military base, so it was the outskirts of Augusta. So a side road I guess, whatever you would like to call it.

I do have a valid excuse for actually missing the appointment as a government contractor having to go to New York for a month. However I do not have a good excuse for not rescheduling it. They did ask for my itinerary and I emailed it to them and that was the end of that angle for them.

And yes, now I realize to just hit the deer and risk getting hospitalized...as stupid and illogical as that sounds...

• ANSWER:
  Just pay it. Most cops, if they are called to the scene of an accident, they write someone a ticket for something. There wasn't much you could have done to avoid it, but you still are at fault. You could have been going slower or paying more attention.

  It sucks but it's the way things work. Since you hit the cement thing, you did fail to maintain your lane.

  Sorry.

  ADD: 5 over us still legally speeding. I was in a car accident where I was cut off, I slammed on my breaks to avoid hitting them and got rear ended by the car behind me. The roads were a bit wet the car behind me was. Going under the speed limit (as was I) she wasn't tailgating me and the girl still got a " failure to reduce speed to avoid an accident" ticket.

  Even if there wasn't much you could have done, you are still at fault.