Want to save money on your car insurance? Here are suggestions from the Insurance Information Institute (III).
1. Comparison shop. Use consumer guides online from your state’s insurance department. These guides tell you what coverages you need and show you sample auto insurance rates, usually from the biggest companies. Get auto insurance quotes from at least three insurers.
2. Ask for higher deductibles. When you file a claim, a deductible is the amount of money you pay before your auto insurance company pays for the rest of the damage. Higher deductibles mean lower premiums. For example, increasing your deductible from $200 to $500 on collision and comprehensive coverage could reduce that portion of your premium by 15 to 30 percent, according to III.
3. Drop collision and/or comprehensive coverages on old cars. If your car is totaled in an accident, you receive the actual cash value of the car. Although auto insurance companies use their own criteria to determine fair market value for vehicles, you can get a ballpark estimate from Kelley Blue Book. For older cars, it may not make financial sense to pay premiums over many years to maintain collision and comprehensive coverage.
4. Buy a “low-profile” car. Cars that are expensive to repair or that have a high theft rate have higher car insurance rates.
5. Take advantage of low-mileage discounts. Some auto insurance companies offer discounts to drivers who put fewer than a predetermined number of miles on their vehicles each year. And with the high price of gasoline, driving less makes financial sense.
6. Consider auto insurance rates when making a move. Car insurance rates tend to be lowest in rural communities and highest in cities, where more traffic congestion occurs and the likelihood of theft increases.
7. Ask about discounts for air bags and other safety features. Your insurance agent can tell you know about these discounts when you purchase your coverage. Most policies give discounts for air bags.
8. Ask about antilock brake discounts. Some states require insurers to give discounts for cars equipped with antilock brakes. Some auto insurance companies give the discount no matter where you live.
9. Ask about other discounts. Some insurers offer discounted auto insurance quotes for insuring more than one car, having no accidents in three years, being a driver over age 50, taking driver-training courses, having antitheft devices and being a long-time customer. Plus, remember good-student discounts when you are insuring a student who drives.
10. Buy your home and auto policies from the same insurer. This will entitle you to a multiline discount.
11. Find out about group discounts. Sometimes group auto insurance policies are available through large employers, professional groups and other organizations.
12. Maintain good credit. Your credit rating may affect your car insurance rates. Use of credit scores in setting auto insurance prices varies by state and insurance company, but statistics show that drivers with good credit records tend to have fewer accidents.
Watch the video related to insurance
Season 5, Ep 2: With a Little Help From My Friend Dharma decides that her accident must be a manifestation of the universe shuffling her cosmic deck of cards so that she can help people—from the hospital, physical therapy, insurance company, etc.—whom she otherwise wouldn’t have met. Yet while Dharma loves giving help to others, she’s not nearly as fond of accepting it for herself, even when she’s in a wheelchair. Meanwhile, Greg deals with an insurance problem—the company has paid them twice by mistake, but won’t listen to his attempts to explain. Aired: 9/25/2001
Help answer the question about insurance
What insurance do I need to supply a food product to a store?I have been told that i need different types of insurance to supply coffee/tea to a store. Somethings that have crossed my path are bonding, liability insurance. Can someone explain this to me please?
any ideas to where i can also get this type of insurance from?
I don't have it and I don't trust it…human insurance is bad enough with all the small print. My dog insurance is Master Card, it's the only "insurance" I'd recommend. It covers everything, literally! Good luck though if you feel you really must purchase insurance!
I have seen many people on here say that you are automatically covered when your parents have full coverage, including insurance agents. This is not true of all companies. Call your insurance carrier and ask. It is a lot easier than finding out after an accident that you are not covered.
не плохо))
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the guy was saying hello, im here to collect my insurance money, cuz he had an accident or something , so everyone trips out and goes commando on him to avoid paying , i think it was one of those , you dont want this kinda service, come to us
Some group policies at work do not care about preexisting conditions.
Some do. It is usually the private ones, not work connected that
up the rates. Probably something to do with—- if you can work, then
you probably are not too sick, or disabled, so you can be insured.
If it is a dependent child, would you need to take insurance for you
as well as the child, and what is the waiting period.
Work insurance takes a while to go into effect. You may have a rider
or whatever it is called, that will exclude treatment, or make you wait
so long to have insurance, or treatment for the preexisting condition.
I don't know for sure, you could find out some how who the employer
or potential employer uses and check it out on line or by calling the company.
was funny would be funnier if I knw what all the fuss was about
That would be like buying a car with a bad transmission!!! Think about it!!! LOL
Reagan warned of obama and his kind, and I'm not referring to his race, He is a socialist, and health care is his door opener.
http://www.youtube.com/watch?v=fRdLpem-AAs
Please forward this video to all who question the "acting" president's agenda!!!!!
no we not,it’s west hate us,but we love european and americans
I didn't study for this test (haha)
1-Liability
2-Uninsured motorist if you were a pedestrian
Collision if it's a hit&run in your car
3-Risk & Loss
4-Comp & Collision
5-Driving penalties
6-All of them
hes got to be lying or had lawyer take his tickets to court and won!
tickets are sent to the states motor vechicle division, thats how they find out about your tickets!
TC GL
He says “Im here for my Insurance payout.” And that’s why they all freak…because Insurance companies hate giving out money…Good to know getting by screwed by insurance companies is universal.
That was awesome. AOTS rules!!
I think you should go to the local building department (city or county) and apply for as built permits for these unpermitted structures. Although costly, it's better than Code Enforcement coming by, realizing that those additions/properties are unpermitted and going to court, seeking an injunction to have you (1) obtain as-built permits or (2) having them torn down.
It is more expensive to have Code Enforcement come in and seek relief from the courts (assuming you don't comply and apply for as built permits) because you may have to pay their attorneys' fees when they win.
I believe you apply for as built permits from the Building Department in the city. Make sure you're in the incorporated portion of the city, otherwise you'll have to go to the County Building Department.
Also, if the bank didn't know that these additions were unpermitted, you wouldn't have an recourse. Most foreclosures are sold as is and requires buyer's diligence. A title insurance policy may or may not disclose unpermitted additions (depends on the wording of the policy). As I recall, a title insurance policy only guarantees that you have marketable title to the property.
russia just kicked our advertising ASS
why couldn’t I have seen this during the super bowl instead I get Charles Barkley singing WTF
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