What is the most popular and best auto insurance broker in NYC? Any recommendations? What is the advantage?

By best, I mean the lowest priced rate they can come up with. What is the advantage I get going to a broker instead of directly going to a popular auto insurance company? Thanks a lot.

The best thing to do is to ask friends & colleagues who they use for their insurance. If you have a tenants or co-op policy, go to that company first. Travellers is a good company and used to have decent rates in NY. I was from NJ & one of my insureds moved to Manhattan & his rate went down with Travellers. They work through independent agents. Look in the phone book under insurance & start calling. You don't necessarily want the cheapest rate (remember you get what you pay for), you want the best coverage for your situation. You want a good company that will be there to help you if you have a claim. Good luck to you. If I were still in the area, I may have known someone but unfortunately, I am not anymore.

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How long will it take for your auto insurance cost to go down?

How long will it take for your auto insurance cost to go down?

Depends why it went up.

If it was just high because you were a new driver, then usually it will go down at age 25 or when you have 7 years of experience.

If it went up because of a violation or accident, then it will go down after you demonstrate a consistent, safe driving record for 3-5 years.

There are many items that are used to calculate insurance premiums and these vary from state to state and from company to company. Common items are where you live, coverages selected, age of driver, your maritial status, use of vehicle, driving record, claims paid, also the year and make of the vehicle comes into play for physical damage coverage.

who knows when the gas prices go down and goverment stops being selfish

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What auto insurance company is the best to sell for and why?

I'm thinking about getting into auto insurance sales. Anyone with knowledge know which company offers the best perks, leads, commission etc?

every company will have a different benefits, some may be commissions, some may be benefits, some may be how well known they are. You need to consider all when starting out. I have worked for a couple of companies, I will tell you that if you work for a company that is well known it is worth a getting a paid a little less so that you don't have to continually try to explain who your company is, I would start with a big company till you have some experience then you can move out to possibly an independent roll. Don't get stuck with the get rich quick attitude that most manager will tell you. I wish you luck in your decision

There are lots of compaines that are best to sell, just that you got to choose the right one that suits you the best.

http://www.best-autoinsurance.we.bs/

Hope this helps.

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What type of Auto Insurance covers vandalism and damage to a car?

What kind of Auto insurance covers damage to your vehicle, such as vandalism, theft, collision from another car hitting yours while parked?

Comprehensive coverage or FTC (Fire, Theft, Comprehensive) covers vandalisms, theft, fires and things of that nature. If your car (parked or otherwise) is struck by another, you would use your Collision coverage. If your car is struck in a hit and run or by a uninsured driver, Uninsured Motorist.

Collision covers the obvious collision. However uninsured/under insured motorist coverage (which needs to be purchased on top of comp and collision) provides extra coverage for YOU and your car in the case that you are a victim of a hit and run, or someone hits you that has no insurance, or too little insurance

Comprehensive sometimes called "other then collision" covers all other perils such as vandalism, theft, or if you hit an animal (cow, bird, etc) where another vehicle is not involved.

This is the case in Florida and you should talk to your insurance agent. a good agent will be happy to take the time and explain the coverages you are purchasing for your state.

Collision coverage provides coverage for an insured's vehicle that is involved in an accident, subject to a deductible. This coverage is designed to provide payments to repair the damaged vehicle, or payment of the cash value of the vehicle if it is not repairable. Collision coverage is optional. Collision Damage Waiver (CDW) is the term used by rental car companies for collision coverage.

Comprehensive (a.k.a. - Other Than Collision) coverage provides coverage, subject to a deductible, for an insured's vehicle that is damaged by incidents that are not considered Collisions. For example, fire, theft (or attempted theft), vandalism, weather, or impacts with animals are types of Comprehensive losses.

Here in the U.S. collision covers, well, collisions and comprehensive covers theft, hail, flood, fire, vandalism, etc.

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What homeowners and auto insurance do you recommend?

I am shopping for homeowner's and Auto insurance. Progressive is the cheapest, and I like the fact that they cover pets that are riding in your car too. I am looking at them as well as Ameriprise, and Amica. Allstate and Nationwide seemed high, State Farm and Gieco will not give me Earthquake coverage which is a must. Thank you.

Foamy

As per insurance the best way to find out would be through a comparison site, fill in the one form, get many quotes, see what suits you best. It saves plenty of time.

Try getting it bundled together with your car insurance if you can, and home.

Just spend a bit getting quotes, the service is free so use it then go for what suits you best, here's some I have in my bookmarks:

http://cars.guidearticles.com/insurance-comparison.htm

http://gsx1.com/Car-Insurance/100.html

you'll find more in google

good luck

By reading a recent survey, I have discovered that the highest satisfaction with car insurance (not that anybody likes car insurance) goes to Allstate. As for homeowner's insurance I can't really tell because I dont know where you live. I hope I helped.

I am a Nationwide agent. They are definitely not the cheapest, so if price is your only concern, forget about them. However, if you want to make sure you're going to be well taken care of in the event of a claim, go with Nationwide.

LOL They cover PETS riding in your car? For WHAT? I haven't heard of that one.

I wouldn't start to make a recommendation, I have NO information about you, to base it on. Except that you have pets.

You can try this company.. Found as i browse for some insurance company and they leave a great impression though.

You can get free auto insurance quotes at Free Auto Quote Online

http://www.freeautoquoteonline.com/

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Why Defensive Driving Course Certificate can't be used to get an auto insurance discount in Texas?

I passed this course in the middle of 2007 and got this certificate, but i can't use it as one of discount factors when i am gonna to buy an auto insurance. The licensed auto insurance agents told me that Defensive Driving Course Certificate can't be used to get more auto insurance discounts for Texas? Why? It's so weird. So, why Texans need to take that course besides for a court when i got a speeding ticket?

You can't use it to get a discount if you used it to dismiss a ticket. And maybe your company just doesn't offer that discount. Not all companies do, so shop around. Texans only need to take the class if they are ordered by a judge to not have a ticket go on their record.

I also find it strange that you are able to shop for rates online. Typically you can put in your information, but they cannot quote rates online for the state of Texas yet. It has to come from a representative of the company who is licensed.

Because Texas sucks and is the right wing arm pit of the earth.

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Auto Insurance discount along with online traffic school course?

I got a traffic ticket, want to remove it. I heard some where that online traffic school course offers auto insurance discount along with traffic ticket dismissal. Can any one suggest me the source where I can get information on this?

For the most part the traffic ticket dismissal course is not the same one to get an insurance Discount. The dismissal course is longer and more thorough regarding laws, and signs, and DUI and all that Jazz. The course for getting a discount is usually called a Defensive Driving course where they go above and beyond the basics of traffic school and tech you the skills necessary to avoid accidents and stay safe. This site offers a Insurance Approved Defensive Driving Course for Discounts. http://www.getdefensive.com

Hello Adams,

When you received a traffic ticket and ordered to complete online traffic school course by the court in the respective states whether you are belongs to California, Florida, Texas, Virginia or other state in United States, when you finish your online course and by submitting the certificate of completion insurance companies will provide you the 10% to 20% auto insurance discount.

So you will gain two benefits from the course, one is you will dismiss the traffic ticket and other one is automatically you are eligible for receiving discount on your insurance.

http://www.onlinetrafficschoolguide.com/

Since I dont know where you live try this site and good luck..

http://www.trafficschool.com/selectstate.asp

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Auto Insurance discount along with online traffic school course?

I got a traffic ticket, want to remove it. I heard some where that online traffic school course offers auto insurance discount along with traffic ticket dismissal. Can any one suggest me the source where I can get information on this?

For the most part the traffic ticket dismissal course is not the same one to get an insurance Discount. The dismissal course is longer and more thorough regarding laws, and signs, and DUI and all that Jazz. The course for getting a discount is usually called a Defensive Driving course where they go above and beyond the basics of traffic school and tech you the skills necessary to avoid accidents and stay safe. This site offers a Insurance Approved Defensive Driving Course for Discounts. http://www.getdefensive.com

Hello Adams,

When you received a traffic ticket and ordered to complete online traffic school course by the court in the respective states whether you are belongs to California, Florida, Texas, Virginia or other state in United States, when you finish your online course and by submitting the certificate of completion insurance companies will provide you the 10% to 20% auto insurance discount.

So you will gain two benefits from the course, one is you will dismiss the traffic ticket and other one is automatically you are eligible for receiving discount on your insurance.

http://www.onlinetrafficschoolguide.com/

Since I dont know where you live try this site and good luck..

http://www.trafficschool.com/selectstate.asp

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Auto insurance company that wants me to pay upfront?

I need general information concerning auto insurance complanies that pay claims directly to the driver. They want me to absorb all costs (repairs, rental, etc.) and then they will issue me a "reimbursement" check. I don't want reimbursed for something that their insured driver did to me! I just want them to cover all costs associated with the claim! What, if any, legal action can I take to have the matter proceed in my favor?

File it through your ins co. You will pay the deduct but your ins will cover the costs and get reimbursement from the other ins co.

here take a look for best auto insurance co...

You don't need legal action, you just need to speak with the adjuster handling the claim. If you insisted that they pay the claim immediately they may have suggested paying for all costs yourself and then after they were done with their investigation of the accident they would reimburse you.

Call the adjuster back and speak with them regarding the claim. If you still need help, call your own insurance agent for advice

Most of the times that companies request that are still trying to determine liability. Now, depending on your insurance coverages. If you have collision coverage on your vehicle, you can go through your insurance company and then pay your deductible. Then your insurance company will go after the other company. If you have liability only, you should be able to wait until they have determined fault and are willing to pay the body shop. Now, if you are wanting to go to your own body shop, that may be another reason that they are wanting you to fix it and reimburse you. Most companies will require that you pay any rental car coverages up front and then get reimbursed for that. Check the laws in your state regarding the reimbursment issue.

What's the big deal? They're going to reimburse you. Sure it's inconvenient but in the end they're paying. Just remember you have a duty to mitigate your damages which means paying for your repairs & rental costs upfront if need be & being reimbursed later, or have your insurance do it on your behalf assuming you have the proper coverage. If you wanted to sue, you'd still have to incur the expense first.

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How much do you pay for auto insurance?

I just spent a few hours getting an auto insurance quote from a number of companies. I got a real good rate ($573 for a whole year) for our 2004 car and all the extras.

I think this is a pretty good rate but wonder if others are paying more or less.

How much are you paying?

Try to check this out. An auto insurance company, i heard to offer good coverage.

That rate depends on what the policy you chose covers you for.

I think the first thing to do is to check your state for the mandatory insurance requirements and start from there.

If you want to lower the cost and you know you are a good driver, you should try lowering your deductible, asking for discounts (good driver, safety features,etc) and picking the type of coverage you want wisely.

I'm not sure this is a great forum for comparing your rates to others. Someone who lives in NYC is going to pay alot more than someone in Boise, Idaho (more cars = more accidents) Also, your vehilce is surely different than what other people drive so you are not going to be comparing oranges to oranges. (Also everyone has different coverages and deductibles)

All things considered $573 for a year seems like a pretty low number. I would just double-check that you have sufficient coverages.

You may want to contact a local independent agent to make sure you are not getting covered for less than you expect.

I live in Houston, Tx and I am a 22 year old male. I pay $140 a month for a 2008 Honda Civic EX.

It seems like the rate you got is really cheap but I am not sure where you live. Insurance rates vary greatly depending on where you live. It's good that you are doing your research though that way you can find the best rate possible.

It definitly helps to shop around. I was paying twice as much as I am now; including car and homeowner's insurance.

$90 a month for a 2007 Ford Focus.

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How soon do I need auto insurance after getting my Driver's License?

I'm going to be getting my Drivers License for the first time in a week (I am 16), and I was wondering how soon after I get my license do I need to have auto insurance to drive legally? I'd like to be able to drive the day I get my license, but my parents don't want to add me to their insurance plan beforehand with the possibility of me failing the exam. Is their any kind of grace period that allows me to drive the day I get my license so I can wait until after I complete the test to purchase insurance?

This is weird..... I can't remember how I did it.

Either.....

A. You are suppose to be insured already because you are operating it with a permit

or

B. The vehicle just needs to be insured in general, and when you get your license you can be added to the insurance immediately. Your name needs to be on the policy before you can drive alone though.

Depends what state you reside in, however you shouldn't need to purchase a policy for yourself until you own a car, by borrowing your parents car you should be covered under their policy unless you drive it everyday.......so basically without getting into the complicated insurance speak, you can drive legally as soon as you get your license and get an insurance policy when you have a car you drive all the time

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How can I renew my auto insurance in the State of Florida?

My six month policy is due to expire next month and I need full coverage for my 2004 toyota corolla. I have never had to do this before, any tips or anything I can do as far as renewing my auto insurance in the state of florida?

Where did any of you read anything in the question about moving to Florida? Not even implied in the question.

You will get a renewal notice and a bill shortly before your policy is due to expire, anywhere from 2 weeks to 30 days before. Just pay the bill and it's renewed. If you don't get a notice, call your agent.

The correct answer is to call your insurance provider. If you are moving to Florida, have them hook you up with an agent there. You should be able to seamlessly transfer and update your policy. You should even be able to pay the premium over the phone or online to bring your coverage up to date, with all the appropriate coverage to qualify for "full" coverage under Florida statutes.

Hope this info helped.

They'll almost certainly just send you the new policy along with a bill. Pay the bill by the due date, that's all. If you don't have the new policy in hand 2 weeks before the old one expires, just call your agent and ask. They'll hook you right up.

if you are moving to florida you will have to get tags and insurance in florida.go to any car insurance places.they are on every corner.look in the yellow pages.

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What is the best rated auto insurance in California and why?

I'm having trouble finding ratings by people regarding their auto/home insurance. I'm located in Southern California. I don't mind paying a premium for better coverage.

That's because there aren't any.

There's no one top "best" insurer, as "best" is in the eye of the beholder. To many people, it means cheapest.

Every person is different. Depends on what you drive, what county you're in, your credit score, driving history, claims record, etc etc etc. So my auto insurance costs 42 a month but say you have bad credit yours might be 82 a month. Call a local independent agent and they'll get you a good quote.

There is no one "best" or "cheapest" carrier. You'll have to call around, give your social security number to have a credit check, give them the vehicle information, and get a bunch of quotes to figure out which carrier is cheapest FOR YOU

--------------------------------------...

http://www.loansandinsurances.com/auto-insurance.html

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Is it necessary to hold on to old auto insurance bills?

I switched auto insurance companies recently and I was just wondering if there is any reason at all I should keep my old auto insurance bills from the old company. I'm the one who HATES clutter and I want to get rid of things I don't need anymore. Thanks.

I recently changed to AAA. If no claim pending it is not necessary to keep the old bills. But keep policy number for a couple months for refernece if need be.

I now use the plastic shoe boxes to weed out things then go through boxes and thin more later. I label each one, such as bills paid, autos, bank, charge accounts, phone, utilties, TAX reciepts, house repairs, Working well for me so far.

hell no http://answers.yahoo.com/question/accuse_write?qid=20080629140931AA606Ks&kid=Erd1PVS1KlTFv7mI5w6p&s=comm&date=2008-06-30+15%3A06%3A25&.crumb=

lol http://answers.yahoo.com/question/accuse_write?qid=20080629140931AA606Ks&kid=LqJ4BTriMDUQmi7vjtGv&s=comm&date=2008-07-05+03%3A18%3A23&.crumb=

V http://answers.yahoo.com/question/accuse_write?qid=20080629140931AA606Ks&kid=BYBaKzG9Dkpy5huOI7.o&s=comm&date=2008-07-05+10%3A40%3A51&.crumb=

Maybe??, because they might get back at you http://answers.yahoo.com/question/accuse_write?qid=20080629140931AA606Ks&kid=IMBTEkTIEXC8RSbfqDBh&s=comm&date=2008-07-05+14%3A01%3A11&.crumb=

Actually, the BILLS are no good in ANY case. The POLICY itself may be worth keeping around for a while. The company name, policy # and toll free claims number are the only thing you could actually need. http://answers.yahoo.com/question/accuse_write?qid=20080629140931AA606Ks&kid=Tcd8CDC6VTmt7dAqXOYsATV0oCpcZJBiiukVJtFimKod0TaCsmGO&s=comm&date=2008-07-06+03%3A15%3A26&.crumb=

It's just worth keeping your old account numbers. You don't need to keep all the paperwork. If for any reason you do need it again, you have your account number, so you can phone the insurer who will have a copy and either get them to give you the information on the phone, or they can send you a copy.

There are only 2 reasons to keep the insurance bills. First reason would be if you are in business for yourself and they are being used as a tax write off. ( 7 years for records )

The second reason would be if you payed on a monthly bases and had the interest to write off. ( 5 years for personal )

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In what ways does buying a car affect auto insurance premiums?

I'm looking at buying or leasing a new car and am wondering how that'll affect my auto insurance premium. Also, which features in a new car affect the premium. I've heard about red paint and sports cars causing higher premiums, but are there any other factors?

The car affects the premium. New cars are worth more than cars several years old, so they cost more than older ones. High priced cars cost more because the potential loss is much greater than for that of lower priced cars. Sports cars cost more because they're supposed to have more accidents. I'm not sure that's true, but that's what the people who set the rates think. Also, cars that are stolen alot have high premiums. You also affect the premium. Do you have a good driving record? That lowers premiums somewhat. If you're middle aged or older, your premiums are usually lower because older people are considered safer drivers than young ones. I'm not sure that's true, but again, that's what the people who set the rates think! Hope this helps ya!

When buying a new car, your premiums are based off of the year, make, model, value of the vehicle as well as off of the age, gender and driving record of the buyer. Red will not cause a higher premium and a sports car will only have a higher premium if you purchase comprehensive and collision coverage.

Thos eguys were right about how it effects your premium. I am looking into buying a new car too and called my insurance company and they gave me the premiums for a bunch of different make/models that i am considering.

If you are financing your car then you have to get full coverage I believe so this is something you definitely want to consider!

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Which auto insurance companies will not cancel policy/raise rates if there is an accident?

I am comparing prices for car insurance. I have had State Farm forever. After talking to them and asking them what I should look for when shopping for car insurance is a policy that wont cancel you or raise rates if you have an accident. We have made claims in the past (storm damage and I hit a tree stump - no actual vehicle to vehicle accidents) and our rates have not gone up. Do other companies do the same? What about Traveler's Auto Insurance?

this one will not cancel policy/raise rates if there is an accident http://finance.ebookorama.com/ukusa-selected-resources.php get a quote now it's free

I do know that in Ohio, AAA Auto Insurance Company will overlook one claim per driver on the policy if they are also a member of the AAA Motor Club.

This is one of the best deals that I have seen from an auto insurance company. You could have 5 driver with one accident each and they aren't going to charge you for it.

None of them.

Each company has their own underwriting guidelines. But anytime you have a wreck, there is a possibility that your rates will go up. Depending on how the wreck happened, you could get can celled.

No reputable insurance company is going to promise you up front that your rates will not go up or that you will not get can celled should you have a wreck.

Hi Christy,

Get in touch with an insurance BROKER. They can give you names and rates from several different insurance companies.

Go to

http://auto-insurance-quote123.blogspot.com/

Click on the ads on left side coloum would direct you to the point.

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What is the best way to be an auto insurance agent and get licensed?

I need a midllife career change. I want to get my auto insurance license and to be trained. What options do I have?

I would call the large carriers, Allstate, State Farm, etc. They will hire a new agent and help you open an office if they think you have what it takes. You can even buy a book of business.

I would pick the company with the best training and the best mentor/sales manager.

You go to your state insurance department website to get the information on how to get licensed - you basically just have to pass a test.

But if you have no experience, and no sales experience, you're not likely to get a company willing to let you sell their insurance.

To be trained, you basically have to get a job selling insurance for someone who already has the contract. They'll keep half your commission, but they'll service the accounts, and teach you about insurance. DEFINATELY the way to go, with no experience.

You can study and get licensed on your own. You should be able to go to your state's dept of insurance website and get information about getting licensed. It's also possible that you can work through a company to licensed to. I'm an agent with State Farm and we look more at the quality of an employee rather than if their already licensed. Most agencies will pay for your licensing once they've decided to hire you.

You're best bet is to start by working with another agent and learn the industry. I usually post ads on craigslist when I'm hiring.

Many companies out there will offer to make you an agent right away, but very few "green" agents make it.

Work for another agent for at least a year and then you'll be much better prepared to start an agency.

Got to study for the license exam which is called personal lines. Find a insurance staffer in your local community who can place you with an agency to sponsor you for the test.

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What option is available in dealing with the auto insurance if no settlement after two years?

We could not settle on the amount when the two year expired. Now the Auto Insurance company is not willing to deal.

You may be out of luck. In order to extend the statute, the only thing you could have done is sue before the 2 yr date. Many summons & complaints come about 2 weeks or a month before the statute runs out. You can contact a lawyer but I would think that it would be too late now & he or she should tell you that.

SUUUUUUUUUUUUUUUUE!!!!!!!!!!!

Contact a lawyer.

You should have settled. After the expriation date has passed they have NO obligation to negotiate with you OR a lawyer.

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What is the best way to conduct a transaction without getting the auto insurance involved?

What would be the best way of conducting a transaction without getting the auto insurance involved for an accident?

Person hit me and neither of us want to report it to our auto insurance. They don't trust that I won't report it to the insurance after I get paid from him.

What should I do?

If you feel he is at fault I would just report it to your insurance. You hear too many stories of people getting screwed over because they tried to be nice to the person that smashed their car. If this guy strings you along for a month or two you will find it difficult to do anything legally at that point.

Just make sure it's a cash transaction in case he changes his mind. I would take cash if it he offered the appropriate amount. If he wanted to cheap out on me then I would say it's either this ammount or I would have to report it to get my car fixed.

Make a release, stating that you were paid $xx.xx from Mr Soandso on this date for damages from an auto accident arising on such and such date. State that you are releasing the person and their insurance company from any other claims

Both of you sign it and have it notarized

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When Changing auto insurance company, do they ask me to go through inspection on my vehicle?

I'm thinking about changing my auto insurance company soon. I'll probably go to online to get a quote and the insurance.

When I looked through all the questions they ask for the quote, I noticed that they ask if there are any damages on the vehicles.

(There are few scratches here and there on my vehicle.)

If I answer that there are, they would ask me how did it get them and tell me that I should report those accidents.

But I don't want to report and I don't even want to fix them.

Therefore, I know it's an immoral act but I want to answer that there aren't any damages.

So here comes my question,

After the applications and all, do the insurance company ask the driver to go through the auto inspection?

If you need or want collision coverage, they will ask for photos of the vehicle from both sides straight on, front and rear straight on and three-quarter views from every corner. Therefore, you're better off telling them about any damage on the car. That way, they protect themselves from spurious claims for pre-existing damage.

http://www.analogstereo.com/cheap_car_insurance.htm http://answers.yahoo.com/question/accuse_write?qid=20070517205847AAbZOMO&kid=E4F6KFXHDFgDFNDc8Odz&s=comm&date=2007-06-29+07%3A58%3A24&.crumb=

It depends , if your getting FULL coverage they will want an inspection , if your getting liability they wont care , since they arent insuring the car , just you.

you can try to contact a local agent and tell him/her your situation. you can shop thru several agents and you choose where you would want to buy insurance from.

I just put full coverage on a new vehicle i purchased and only had liability on the previous car. They did not ask for pix of the new car, but this is through the same ins. co. It all depends on what they're policies are.

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In Ontario, how does auto insurance work? Do you need to insure yourself as a driver and your car separately?

In Ontario, Canada, how does auto insurance work? Do you need to insure yourself as a driver and your car separately? If anyone can help me with the details of this, that would be great. Thanks!

Yes you insure the car and yourself as the driver and then can add drivers and more coverage to the policy if you want to.Basically you must get a standard coverage such as 1 million dollar liability or basic coverage if driving it.

Hope that helps and best of luck.By the way shop around for quotes but be careful if you've a bad drivers record etc bec checking with too many places can be like lowering your credit rating or status and end up not in your favor.

If you want to give me more info such as your age , driving history, number of years driving and last time covered etc I might be able to recommend a company but going through an insurance brokerage can help a lot too.

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What is the penalty for giving invalid auto insurance information at the scene of an accident?

In the state of Washington what happens when invalid auto insurance is given at the scene of a minor traffic accident?

The other party if they do not obtain current insurance information from you has the right to take you to civil court, and will most likely be awarded a much higher amount of money then they would have if you had just given them up-to-date insurance information.

chk on

http://www.insuranceplan4u.com

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Does auto Insurance go ski high after you get an impaired driving charge?

ve a friend who is getting his licence back in April and he was told it may cost $7000.00 a year for auto insurance- could it be true?

Insurance is baed on the amount of RISK.

Someone with a conviction (and if license was taken away he was convicted) is more likely to have a accident and a serious one so the the risk is higher.

People who are higher risk pay more.

Poor credit rating = high risk = pay more intrest on cards and home loans -- becuase thye are more likley to not pay the money back.

Previous accident or moving violation, or DUI then more likely to file claim for insurance.

Young and foolish - more likely to have accident so pay more.

High performance sports car ? - pay more.

Middle aged, professioanl, with minivan -- pay less.

That's why sex offenders cant be around kids, and thiefs cant work in banks, fire-bugs cant be firemen.

Obese,old, smokers pay more for health/life insurance-- cause they use more. Sky diver -- we dont cover that.

It goes up, yes. How much, that depends on your provider. If it's outragiously high, he can look around for other coverage, he doesn't HAVE to keep the one he has. But that doesn't mean other insurance companys will definatly be cheaper, but it's possible.

Anyway tell him to shop around, he might find something better.

But yeah $7,000, that's not too surprising for someone that was DUI. A bit on the high side from what I've heard, but not surprising at all.

I bet he won't do that again, good lesson for him..

Oh and let me add...My insurance doubled because someone else was DUI in my car and wrecked it. I was not driving it, nor was I even it. Yet MY INSURANCE went up and stayed up for 6 years. All because of HIS DUI....

So yeah, sorry, I gotta say whether or not you're "convicted" really doesn't matter. not in CT anyway.

Hard lesson to learn -- but that is the truth...

Because after a conviction for a charge like that, you are now, for the next 3 years at least, a risk to the insurance company, and also probably required to do an SR22 filing with the state. That makes you assigned risk. $7 grand a year sounds a bit high, but there may be other factors I'm not aware of. So yes, it could be true.

I just came accross this website, a lot of info on Auto Insurance Quotes which may help you:

http://the-auto-insurance-quotes.blogspot.com

Just the charge won't do anything to your record, but a conviction will.

If he's young and has a conviction like that, I think he's telling the truth.

I don't know where you live, but here in California a DUI arrest and conviction costs an enormous amount of money in terms of court and legal fees. Once all that is settled then the insurance companies get involved and the figure you are quoting doesn't sound far off at all. I think their rational is that considering the huge liability that the drinking driver presents that they need to charge exhorbitant fees to protect their interests.

THE ONLY WAY TO REALLY FIND OUT IS FIND OUT

Yup cause your risk went up

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How much do auto insurance agents make there first year?

What's the average for starting license auto insurance agents? Do they only make commision or hourly too? Are the leads provided. Is it a hard industry to get into?

Breaking into insurance sales is very tough. Many agents have parents who own agencies, and learn the business that way. Many more work for an insurance company in marketing, etc. This allows them to learn the business, and then they can buy out an agency. There are a few companies that are willing to hire and train you. But those opportunities are few.

The best way for a person without connections or years of experience to break into the field is to get a customer service rep (CSR) position at an existing agency. The pay isn't great, but the knowledge you gain will help you work your way into an agent position.

Agents work for commissions only. This is why there is a high failure rate. It take awhile for an agent to build up renewal commissions to be able to earn enough money to live on. As for leads, some companies are better than others. But in the end, if someone has a solid lead, they aren't going to give it to you, they will take it themselves.

Texas- Whatever you are able to hustle up, that is what you are paid on. Agents are commission only, sometimes with a supplement from the company that must be repaid if certain sales goals are not met. Become an agent only if you have the time and financial means to weather the first 2-3 years. The turnover rate is high because it is hard to build a book of business. But once you do, the sky is the limit. Also, you MUST be a people person and be able to handle rejection on a daily basis. You will get abundantly more "NOs" than "YESs" over the course of your career. As for leads, don't ever count on someone else to provide you with your bread and butter. If leads are given, take them. Plan on getting nothing but what you work for.

Arizona. First year expect to start as a C.S.R. making about ten ,twelve bucks an hour. Second year, maybe you can be running the agency making sky is the limit. How do I know? I am an insurance agent in Arizona. That is what I do with my employees, that is what was done with me. Thank you.

Leads are not usually provided. Average is probably about $5,000, because MOST wash out the first year. Those who make it into a second year, probably make about $30K on auto.

It's usually straight commission.

No doubt the easiest way to get insurance quotes is on the web.

Why would you waste your time on the phone calling around?

the last time i needed quotes on insurance i used one of these comparison sites and it was great.

this is the site i used and it was quick like less than 5 mins.

The last thing I want to do is listen to elevator music while waiting for a salesman.

Anyway I got good quotes and ended up saving money so I was happy.

So shop around and compare quotes which is easy on the net.

Good starting point is at this site.

http://www.knowledged.info/go.php?link=insurance

Good luck.

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How do I make an auto insurance claim for scratches through auto owners?

I bought a used car a few months ago that had a near flawless finish. Over the past few months it's been scratched several times by my nephew on his bike. We've talked and now I need to file a claim with my insurance. The marks are everywhere, back of the trunk, right rear quarter panel, hood, left rear quarter panel.

The problem is, before I knew I could claim damages, I used a touch up kit to cover the scratches and gouges so they are hard to see. But I could still take pictures of them as they stand now and probably get a letter from the salesman, proclaiming the condition that he told it to me in. What else do I need to file a claim with Auto Owners? Yes, I have full coverage, including comprehensive.

I would settle out of pocket or pay for this yourself, each one of these scratches is a separate occurrence... which means for each scratch before your insurance will pay anything you have to pay your deductible for comprehensive/other that collision coverage. Typically this is $500 or so for each scratch... in the end your only going to end up with a higher premium and nothing from your insurance company to show for it.

Are you filing against your policy or theirs ? If yours, you will probably end up with a higher premium for many years which will offset whatever you collect.

You need to call your insurance company and open a claim. They may send an independent adjuster, but as it's just scratches, I doubt it. They'll probably tell you to take it to a shop that will fax the estimate to them. They have a list of how much the repairs should cost and as long as the estimate is within the limits, you should be okay. You'll have to pay any deductible and they will want to know how the damage occurred. Also, if the damage occurred while the car was parked in a driveway, they may want the owner of the home to use their homeowner's insurance to settle the claim.

If you make a claim, your rates may rise. Either get the entire car painted or you will go broke trying to keep the scratches off. I would talk to your sibling about the scratches and maybe use a little switch on the tyke. Every time he scratches your car, scratch his bike. He will eventually stop

Insurance claims lesson #1: each and every loss event is a seperate claim with a seperate deductible. Even if you have zero deductible your claims frenquency will soar and you will risk either being non-renewed or super high premiums. Don't think you can shark the inspector either -- they can tell old, touched-up damage from fresh damage. My advice is to make your brother/sister pay for the damage....

First of all, comprehensive coverage will not cover someone scratching your vehicle. Comprehensive is an act of nature or by a wild animal such as a deer.

As others have said, It would not be cost effective nor would it be smart to run this through your insurance under your collision insurance.

I would strongly suggest having the parents pay for this out of pocket. Maybe even check into their homeowners insurance paying for it.

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Why can auto insurance companies discriminate on the basis of age and sex, but not ethnicity or race?

If you're a teenage male, you're doomed if you want to get auto insurance. You will pay exorbitantly more because the statistics say that you are more of a hazard. So you are not judged as an individual, but as a group of people.

I'm sure statistics can also show that certain nationalities and races are worse drivers -- case in point: Asians. And I'm part Asian, so I can make fun of my own people. =)

If insurance companies are always willing to discriminate on the basis of age and sex, why not race or ethnicity?

Because as soon as they even dare mentioning race or ethnicity they'll get accused of racism, possibly get sued over it by someone and possibly made to pay $2 mil by some great judge.

This, they do not want. I know it is not fair but our society isn't exactly fair.

Anyway, most teenagers won't be seen dead in an "uncool car". But if you get an "uncool car" you can pay cash for it, get liability only on it and your premiums will BEAT your 57 year old dad's (if he's financing a $40.000 SUV)

So not all is lost for the clever teenager.

You could start your own Insurance Carrier and start charging nothing, I am sure all 16 years old boys will love you. http://answers.yahoo.com/question/accuse_write?qid=20090212180007AANVsbK&kid=F4ZxHk34IjTd9nCrci_M&s=comm&date=2009-02-18+00%3A09%3A05&.crumb=

Here in British Columbia the government auto insurer cannot base a person's auto insurance rate based on their age or gender. Only on use and years licensed. However this is done based on being politically correct and trying to appeal to the voter, not based on any research or sound insurance principles.

If you can provide a link to your research that shows that race plays a factor in accident frequency and severity we would all be happy to review it. Somehow I doubt you'll provide such a link since there is no research that shows such. However there is plenty of statistics to show that age and gender do play a role.

Some states, they can't discriminate based on sex.

The reason why, is because statistics do NOT show that certain nationalities and genders are worse drivers. Calling Asians bad drivers, is perpetuating a racial stereotype.

Trust me, if the raw data DID show corrolation between race and claims, like credit scoring, they would do it.

Also - second thought. Without genetic testing for each driver, it would be darned hard to prove 'race'.

readmore »»

Why can auto insurance companies discriminate on the basis of age and sex, but not ethnicity or race?

If you're a teenage male, you're doomed if you want to get auto insurance. You will pay exorbitantly more because the statistics say that you are more of a hazard. So you are not judged as an individual, but as a group of people.

I'm sure statistics can also show that certain nationalities and races are worse drivers -- case in point: Asians. And I'm part Asian, so I can make fun of my own people. =)

If insurance companies are always willing to discriminate on the basis of age and sex, why not race or ethnicity?

Because as soon as they even dare mentioning race or ethnicity they'll get accused of racism, possibly get sued over it by someone and possibly made to pay $2 mil by some great judge.

This, they do not want. I know it is not fair but our society isn't exactly fair.

Anyway, most teenagers won't be seen dead in an "uncool car". But if you get an "uncool car" you can pay cash for it, get liability only on it and your premiums will BEAT your 57 year old dad's (if he's financing a $40.000 SUV)

So not all is lost for the clever teenager.

You could start your own Insurance Carrier and start charging nothing, I am sure all 16 years old boys will love you. http://answers.yahoo.com/question/accuse_write?qid=20090212180007AANVsbK&kid=F4ZxHk34IjTd9nCrci_M&s=comm&date=2009-02-18+00%3A09%3A05&.crumb=

Here in British Columbia the government auto insurer cannot base a person's auto insurance rate based on their age or gender. Only on use and years licensed. However this is done based on being politically correct and trying to appeal to the voter, not based on any research or sound insurance principles.

If you can provide a link to your research that shows that race plays a factor in accident frequency and severity we would all be happy to review it. Somehow I doubt you'll provide such a link since there is no research that shows such. However there is plenty of statistics to show that age and gender do play a role.

Some states, they can't discriminate based on sex.

The reason why, is because statistics do NOT show that certain nationalities and genders are worse drivers. Calling Asians bad drivers, is perpetuating a racial stereotype.

Trust me, if the raw data DID show corrolation between race and claims, like credit scoring, they would do it.

Also - second thought. Without genetic testing for each driver, it would be darned hard to prove 'race'.

readmore »»

Why can auto insurance companies discriminate on the basis of age and sex, but not ethnicity or race?

If you're a teenage male, you're doomed if you want to get auto insurance. You will pay exorbitantly more because the statistics say that you are more of a hazard. So you are not judged as an individual, but as a group of people.

I'm sure statistics can also show that certain nationalities and races are worse drivers -- case in point: Asians. And I'm part Asian, so I can make fun of my own people. =)

If insurance companies are always willing to discriminate on the basis of age and sex, why not race or ethnicity?

Because as soon as they even dare mentioning race or ethnicity they'll get accused of racism, possibly get sued over it by someone and possibly made to pay $2 mil by some great judge.

This, they do not want. I know it is not fair but our society isn't exactly fair.

Anyway, most teenagers won't be seen dead in an "uncool car". But if you get an "uncool car" you can pay cash for it, get liability only on it and your premiums will BEAT your 57 year old dad's (if he's financing a $40.000 SUV)

So not all is lost for the clever teenager.

You could start your own Insurance Carrier and start charging nothing, I am sure all 16 years old boys will love you. http://answers.yahoo.com/question/accuse_write?qid=20090212180007AANVsbK&kid=F4ZxHk34IjTd9nCrci_M&s=comm&date=2009-02-18+00%3A09%3A05&.crumb=

Here in British Columbia the government auto insurer cannot base a person's auto insurance rate based on their age or gender. Only on use and years licensed. However this is done based on being politically correct and trying to appeal to the voter, not based on any research or sound insurance principles.

If you can provide a link to your research that shows that race plays a factor in accident frequency and severity we would all be happy to review it. Somehow I doubt you'll provide such a link since there is no research that shows such. However there is plenty of statistics to show that age and gender do play a role.

Some states, they can't discriminate based on sex.

The reason why, is because statistics do NOT show that certain nationalities and genders are worse drivers. Calling Asians bad drivers, is perpetuating a racial stereotype.

Trust me, if the raw data DID show corrolation between race and claims, like credit scoring, they would do it.

Also - second thought. Without genetic testing for each driver, it would be darned hard to prove 'race'.

readmore »»

How much do auto insurance agents make there first year?

What's the average for starting license auto insurance agents? Do they only make commision or hourly too? Are the leads provided. Is it a hard industry to get into?

Breaking into insurance sales is very tough. Many agents have parents who own agencies, and learn the business that way. Many more work for an insurance company in marketing, etc. This allows them to learn the business, and then they can buy out an agency. There are a few companies that are willing to hire and train you. But those opportunities are few.

The best way for a person without connections or years of experience to break into the field is to get a customer service rep (CSR) position at an existing agency. The pay isn't great, but the knowledge you gain will help you work your way into an agent position.

Agents work for commissions only. This is why there is a high failure rate. It take awhile for an agent to build up renewal commissions to be able to earn enough money to live on. As for leads, some companies are better than others. But in the end, if someone has a solid lead, they aren't going to give it to you, they will take it themselves.

Texas- Whatever you are able to hustle up, that is what you are paid on. Agents are commission only, sometimes with a supplement from the company that must be repaid if certain sales goals are not met. Become an agent only if you have the time and financial means to weather the first 2-3 years. The turnover rate is high because it is hard to build a book of business. But once you do, the sky is the limit. Also, you MUST be a people person and be able to handle rejection on a daily basis. You will get abundantly more "NOs" than "YESs" over the course of your career. As for leads, don't ever count on someone else to provide you with your bread and butter. If leads are given, take them. Plan on getting nothing but what you work for.

Arizona. First year expect to start as a C.S.R. making about ten ,twelve bucks an hour. Second year, maybe you can be running the agency making sky is the limit. How do I know? I am an insurance agent in Arizona. That is what I do with my employees, that is what was done with me. Thank you.

Leads are not usually provided. Average is probably about $5,000, because MOST wash out the first year. Those who make it into a second year, probably make about $30K on auto.

It's usually straight commission.

No doubt the easiest way to get insurance quotes is on the web.

Why would you waste your time on the phone calling around?

the last time i needed quotes on insurance i used one of these comparison sites and it was great.

this is the site i used and it was quick like less than 5 mins.

The last thing I want to do is listen to elevator music while waiting for a salesman.

Anyway I got good quotes and ended up saving money so I was happy.

So shop around and compare quotes which is easy on the net.

Good starting point is at this site.

http://www.knowledged.info/go.php?link=insurance

Good luck.

readmore »»

What are some inexpensive, yet reliable auto insurance companies?

I need a new auto insurance company, Allstate just raised my rates through the roof. But I don't want it to be an unreliable company that will drop me for one little crack in my winshield. State Farm and all those companies are too expensive for me (I am a teenager and work part-time). I live in CA. Any suggestions?

Everyone wants the cheapest auto insurance. Everyone is constantly looking comparing this auto insurance provider with this one. It's almost like a parlor game, isn't it. I've done it too. If you've ever gotten a speeding ticket or have a young teenager itching to drive that you've just added to your policy or if you've been

readmore »»

What are some inexpensive, yet reliable auto insurance companies?

I need a new auto insurance company, Allstate just raised my rates through the roof. But I don't want it to be an unreliable company that will drop me for one little crack in my winshield. State Farm and all those companies are too expensive for me (I am a teenager and work part-time). I live in CA. Any suggestions?

Everyone wants the cheapest auto insurance. Everyone is constantly looking comparing this auto insurance provider with this one. It's almost like a parlor game, isn't it. I've done it too. If you've ever gotten a speeding ticket or have a young teenager itching to drive that you've just added to your policy or if you've been

readmore »»

What are some inexpensive, yet reliable auto insurance companies?

I need a new auto insurance company, Allstate just raised my rates through the roof. But I don't want it to be an unreliable company that will drop me for one little crack in my winshield. State Farm and all those companies are too expensive for me (I am a teenager and work part-time). I live in CA. Any suggestions?

Everyone wants the cheapest auto insurance. Everyone is constantly looking comparing this auto insurance provider with this one. It's almost like a parlor game, isn't it. I've done it too. If you've ever gotten a speeding ticket or have a young teenager itching to drive that you've just added to your policy or if you've been

readmore »»

What would lawyer costs for an auto insurance company be?

I'm trying to work out a settlement with the auto-insurance company over an injury that happened last December. They're offering $3,500, but we want $5,000. I was wondering how much it would cost them in legal fees, and lawyer costs if we were to bring this to court. It could help in our bartering if we know they'll be saving money just settling. Thanks.

Some insurance companies consider a lawyer's fees the cost of doing business. So they don't really give that consideration when they value a claim.

They also know that if you hire a lawyer and sue - you will have to pay your lawyer 1/2 of your settlement plus expenses - a smart adjuster will point it out to you that to you. Be careful trying to ague that the insurance company should give you more because you are saving them legal fees -the company can use that argument back against you. Because if you hire a lawyer - you have to pay him as well.

Lawyers for insurance companies charge around $125 an hour for work they do. You will have to pay 1/3 of any settlement you get to an attorney. How long have you been in negotiations?? Is there come compromise between the $3500 the insurance company is offering and the $5000 you want?? The insurance company may want to go to court as they may feel they will prevail at a hearing and you will get nothing at all. If you case is weak, the insurance company could prevail. Especially if you had some negligence in the injury such as not wearing a seat belt or you were on your cell phone. Keep discussing settlement with the adjuster, being persistent can sometimes get the result you want.

They already have lawyers on the payroll, so it doesn't really cost them anything extra.

The fact is that insurance companies can always out-lawyer claimants. Realistically, you'll be better off to settle, but perhaps you can counter-offer for something in between.

It's not costing them ANYTHING in legal fees - they have staff attorneys to take care of it.

I had a client once that was in your shoes.

He wanted $10,000 and the company offered $8000.

It went back and forth, back and forth and finally, he said "Well, I'll get an attorney.!!"

The company paid the $10000 - HIS attorney got $4000 and HE got $6000..........

You make the call....

Good luck and I hope this helps!

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Will auto insurance companies try to lapse you if you leave them?

I heard that auto insurance companies will cancel your policy, causing you to lapse, if they find out you are leaving them, is that true? I am planning on buying a new auto policy this week that will go in effect on Apr 1 and faxing in my request to cancel my current policy on that same day, am I safe?

There are lots of places where you can get a free insurance quote. http://www.goodinternetdeals.com/Auto-Insurance.html It only takes roughly 10 minutes to do.

Yes, you're safe, it's against the law for the company to just cancel you for no reason before that time. I know that in my state (and I believe most others) they are required to give you at least 30 days notice of canceling your policy unless it is for nonpayment of premium.

Yes, you are safe. Any unearned premium from the cancelled policy will be returned to you and any premium you may owe will be billed to you. All legitimate auto insurance carriers will honor your request promptly and correctly and hope that you consider them again in the future to insure your car.

For car insurance the most efficient way to get a great quote is do a rate comparison on auto policies. Make certain that you compare similar policies with the same deductibles, car type, zip code, etc so that all options are a good comparison.

What I usually recommend is an online comparison quote at http://www.lowratetoday.com since they have big name insurers and can give several quotes on car insurance polices.

They can not cancel your policy unless you have defaulted in some way.

No, they can't do that.

If you're paid up until April 1, no, they can't.

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Can new auto insurance company find an incident not reported with DMV but claimed with current insurance comp?

I want to change my auto insurance comp, i have claimed an accident with it for which i did not get a ticket. So will it matter if I don't report it to the new company while asking for quotations? Do insurance companies talk to each other or share data?

It is probably a matter of public record, and yes, they share information between companies. If you don't report it, and they find it, you have committed fraud. If you don't report it, and they don't find it, and you ever make a claim, it may turn up then and would be cause to deny your claim.

Bottom line, tell them now.

mine did. i am pretty sure all of your record would be on file and available to your new insurance company.

Yes, People claim trees fallen on there car and you would never call the dmv for anything not on the road. But you still made a claim you got to tell them.

yes, they'll find out. They will run a CLUE report - comprehensive loss underwriting exchange - insurance companies report all claims to this agency, and get reports. They put in the vin number for your car, your name, and your address. They will pull up all claims for that vin, all claims under your name, and all claims paid out at your address.

UNFORTUNATELY COMPANIES RUN CLUE REPORT. WITH THIS THEY PRETTY MUCH CAN FIND OUT WHO LIVES WITH YOUR ANDY CLAIMS MADE ETC.

NOW... IF YOU GO TO AN AGENCY YOU CAN TRY ASKING FOR A COMPANY THAT DOES NOT RUN CREDIT CHECKS. SOME TIMES ANY PREVIOS VIOLATIONS OR ACCIDENTS WONT COME UP AND THEY WILL JUST BASE IT STRICTLY ON THE MVR.

IF YOU ARE CALLING AGENCIES TO GET A QUOTE JUST TELL THEM THE VIOLATIONS THAT COME UP IN YOUR MVR AND ONCE THER THEY WILL LET YOU KONW IF THERE ARE ANY CHANGE.

GOOD LUCK

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What would be best amount of auto & homeowner insurance to have including umbrella coverage in NJ?

What would be best amount of total coverage to carry for auto insurance and homeowners insurance including an umbrella policy. I realize claims are skyrocketing, and I don't presently have an umbrella policy. Would like to know what I should be targeting. Thanks!

Well, no one here knows you! I can tell you what I usually tell people: you take out half million limits on your auto and homeowners, then get the umbrella policy with whatever REAL limits you need. It's not hard to buy million dollar increments, up to ten million. After that, it can be done, but it's harder.

You need to have an umbrella policy that covers your assets, PLUS three to five years income. So. Figure out what your stuff is worth, and add your projected income for the next three years, and round up to the next million.

Try getting in touch with a local insurance agent or two to help you analyze your situation. You are smart for considering an umbrella. Most people don't think about that. You can get quotes from a couple of different agents in your area by going here - http://www.myinsurancequotes.net.

Hope that helps!

Sincerely,

Jared Balis

http://www.utahinsurance.org

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