What if you could save 10% on your Insurance? What about 20% or even 30%?
What would you do with the extra money in your pocket if those monthly insurance payments could be slashed?
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03/09/2010
I live in Colorado and am curious as to when and when not to use combined single limit coverage? Thanks!
In the state of Colorado you need auto insurance Liability coverages of at least $25,000 per person, $50,000 per accident Bodily Injury and $15,000 in Property Damage. Bodily Injury Liability and Property Damage Liability coverages can be purchased as split limit coverage or a...
03/08/2010
I have a piggyback loan with my lender, when I traded in my vehicle for my new one, I got gap insurance. Will Gap pay off the whole loan contract since there is two vehicles on one loan now. Does gap cover a piggy back loan?
A piggyback loan is typically a combination of two loans that close at the same time and normally in reference to purchasing a home. The most common piggyback loan is an 80/10/10. This is where 80 percent of the home’s value is financed through a first mortgage and then the rema...
03/08/2010
How old do you have to be to get your own car insurance?
Unless there is state law that imposes a minimum age there is not normally a minimum age at which to get car insurance coverage. If you have a driver's license you should be able to obtain car insurance to cover your needs, however if you are a minor, under the age of 18, you ma...
03/08/2010
What type of auto damage is covered without having to pay a deductible?
In most situations if you make a first party claim against your own insurance policy for damages sustained to your vehicle there is a deductible amount due while if you make a third party claim, one against the Liability coverages of another party that was at fault in the acci...
03/08/2010
I was driving my car with my 6 year old daughter in the back seat, in Dade County, FL. She was not wearing the seat belt. I was fined with a seat belt violation. I have tried to find the definition for seat belt violation with not success. Please confirm if it is unlawful to drive a vehicle in Dade County, FL, with a six year old child with no seat belt.
Yes, it is unlawful to drive around Dade County, Florida (or anywhere else in the state of Florida) without the driver and passengers wearing their seat belts. Since June 30th, 2009 not wearing a seat belt has been a primary offense in Florida per Section 316.614 of the Florida ...
03/06/2010
My premium is too high for full coverage.Can I get liability insurance with no physical damage on my financed car until I can afford the other insurance?
Your state should not have a problem with Liability coverage only; however, your finance company may not agree with it. Until you finish paying for the car, it belongs to them. Due to the car being your lien holder's asset your financing paperwork likely states that you are re...
03/06/2010
Can a disabled person in a wheelchair, who can't drive himself, have insurance on his van without a licensed driver listed?
In general, most insurance companies will not provide insurance for a vehicle if there is not a licensed driver listed on the policy. Insurance companies want to know who are the risks they are going to insure and want to rate the policy accordingly. Without any licensed drivers...
An insurance deductible is the amount that you pay before your insurance company’s policy takes effect. If you ask for a higher deductible, you may be able to cut your costs by up to 40%... but keep in mind that, in the event of a claim, you may have to spend a lot more.
More and more these days, insurers use your credit score to determine risk factors before making an insurance quote. So check your credit rating to make sure nothing is amiss. Other tactics to keep your credit score high include paying bills on time, closing credit card accounts that you are not using, and keeping your credit balances as low as possible. Credit scores can take several months to adjust to new situations, so don’t expect an immediate benefit.
Many insurance providers try to maximize profits from their users by cutting the payments into monthly fees, then adding in finance charges on top of the actual policy cost. People who plan ahead can avoid these nuisance fees by purchasing the entire policy up front. No matter what form of insurance you are buying, discounts exist for customers that carry less risk to the insurance company. Make sure you ask for all possible discounts before accepting a quote. The squeaky wheel gets the grease!
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