Archive for February, 2010
Posted by admin on
February 28, 2010
I am planning to enroll my new car. I want a complete coverage but at a reasonable cost. I don’t wanna be spending too much just for my car insurance. Help please…Thanks a lot.
Just get a quote from insurers you get from yellow pages,. the internet, the TV, the radio.
Just don’t go for the first price they quote you but spend a few days collecting data.
Posted by admin on
February 27, 2010
Where do people get long term care health insurance quotes? I’ve come across many websites but was wondering if anyone has had any particularly good experiences.
Try this site where you can compare quotes from different companies in your area
http://cheap-health-insurance-usa.info/
Hope this help,
Posted by admin on
February 26, 2010
Statistics show young men have more accidents so naturally they will pay more for car insurance. IF statistics showed one race got in more accidents or one race had their cars stolen more could insurance companies legally charge more to them? Serious answers only, please.
Car insurance is not "sexist". It does, however, base it’s rates on proven statistical data. Unfortunately, insurance is the one business that must decide how high their experenses will be BEFORE they incur the costs. There can be no profit if it’s just a guessing game. Once the statistics are verifiable, they must be submitted to the insurance commissioners of that state to be approved before the rates can be released to the company to be used.
If there was a capability to determine someones exact race 100% and there was statistical data to back the rate structure based on any particular races driving habits, I believe there would be scaled rates based on race.
Currently rates are based on marital status, age, occupation, credit history, claims data, sex, type of vehicle, frequency and reason for use of vehicle and multiple other factors.
Posted by admin on
February 19, 2010
My car insurance expired a year ago. I didn’t renew it as I had a company car. I now have my own car again and need proof of my no claims. However, I can’t remember which company I was insured with and can’t find the old insurance certificate!
There are a number of things you can do to find your car insurance coverage history & claim history:
* Look through old bank statements / credit card statements. Because there’s usually a company name in the description line for your payments, you can probably find out which auto insurance company covered you at that time.
* Contact your local DMV - your DMV may be able to tell you about your previous insurer, but with no claims… maybe not. Here’s a site that lists direct links to US DMV websites: http://www.dmvlist.com
* Get a CLUE Report - a report from this site will outline your claim history for vehicles / property for your future insurer. If the other options fail, this would be the way to go. You can find out more information here: https://www.choicetrust.com though, I’m really unfamiliar with it.
The last may be more what you’re looking for, but checking bank statements and credit card statements may be faster and cheaper.
Posted by admin on
February 16, 2010
My car doesn’t ignite and I’m guessing the battery is out. Will my car insurance company be able to come over and jump start my car? I use Farmer’s btw. Otherwise what’s the best solution?
Only if you have tow service included with your auto insurance package. Some companies include it by default (though they charge extra for it), but I’m sure with Farmers and other big companies you’ll have to opt in to that service. You can check with your insurance company, and they’ll be able to tell you right away whether you have it or not.
Also, don’t start a tow package just for this situation unless you’re ok with leaving your car sitting for a few days, at least. Especially with auto insurance tow packages, there’s a delay time between when you set it up and when you can actually file a claim. AAA may be like this as well, but it’s worth checking into because it has other benefits.
The best, and cheapest, solution would be to have somebody jump you — a friend or relative, ideally.
You can also call a tow company, but it’ll be cheaper for you to go out and buy a new battery. You could also go to a car-parts store, or a store like Walmart and purchase a battery charger / jumper — they charge your battery but also help to boost the juice enough to start your vehicle. This option could also be cheaper than hiring a tow truck. However, if this is your only vehicle… your options are likely limited to what I’ve listed here.
Usually, tow packages added onto your auto insurance are relatively cheap — $5 per month or there about. Unless you have something else, like a AAA membership, it might be worth considering because it can save you a lot of money in situations like this.
Posted by admin on
February 16, 2010
I recently started a home internet based business. When I was just starting out I went without insurance for a while. Now that things are going well I would like to buy a life insurance policy.
There are a ton of life insurance sites, but most of them seem biased or focused on an individual provider. Where can I find a good life insurance quote site that is unbiased or gives me quotes from a wide array of services?
Also, are there any good tips for saving money buying life insurance for small business owners?
Try this site where you can compare quotes from different companies in your area
http://best-life-insurance-usa.info/
Hope this help,
Posted by admin on
February 15, 2010
My old insurance company would pay for my rx. Then the company I worked for changed insurance companies and they don’t cover what I used to take. How can I get them to cover this? Or can I?
I have already tried calling the new insurace company and was told that don’t cover this med. How can I jump through hoops to get this covered?
SlyKitty, unfortunately, if your new insurance company does not cover it, there is no way you can let them cover your old prescription. That is always a problem with switching insurance companies. Actually, I’ve been almost in the same situation, and what I did I went online and purchased generic version of medication I was getting through UK http://www.pharmacynextdoor.com online drugstore. It was simple and the prices were reasonable.
Posted by admin on
February 15, 2010
I recently started a home internet based business. When I was just starting out I went without insurance for a while. Now that things are going well I would like to buy a life insurance policy.
There are a ton of life insurance sites, but most of them seem biased or focused on an individual provider. Where can I find a good life insurance quote site that is unbiased or gives me quotes from a wide array of services?
Also, are there any good tips for saving money buying life insurance for small business owners?
Try this site where you can compare quotes from different companies in your area
http://best-life-insurance-usa.info/
Hope this help,
Posted by admin on
February 15, 2010
How do you get cheap auto insurance rate and from what company?
Hi,
Check out this site, if you want to find your best or cheapest auto insurance just in few minutes,
http://Cheap-Auto-Insurances.info/
Here you can get free quotes from different auto insurance companies in your area, its the best way to find an affordable auto insurance with a reliable company.
Hope this help!
Posted by admin on
February 14, 2010
I am the tenant of a condo and had accidental water damage to the unit, and floors below. My landlord claims they do not have insurance to cover the damage, but the condo board does and has paid out a $5000 deductible for the insurance for all the units to the insurance company, which I have reimbursed. Now I have been contacted by the insurance company about being charged for the remainder of the damages.
My question is, am I not sheltered by the condo boards insurance deductible?
Your situation illustrates a prime example of why tenants should purchase renter’s insurance. The condo board insurer covered the loss to the condo, but that doesn’t mean the insurer is not going to attempt to recover its payout from the person responsible for the damage. That person is YOU. No, you are not sheltered or covered. You’ve already paid the deductible portion to the condo. Now the insurer involved wants to recover ITS payout. If the condo insurer had a zero deductible, it would be coming after you for the entire amount of the damages. This insurer is following standard practice for such situations. Learn the value of renter’s insurance.