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#asked for a quote from the vet two hours away and it was $300 on the dot
saybees · 3 years
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Oh so vet appointment went well. Puter still weighs about the same as he did last year, so he's still a little chubby and could lose a wee bit. Gonna cut his dry food down a little bit and see how it goes. He could use some dental work again, but his teeth aren't too bad so my vet isn't too worried about it, but he did say that his broken canine tooth should maybe be pulled, which is what they told me last year and when I took him to my other vet for his dental work they told me it was fine and I didn't need to worry, but today he showed me that there's a little pink dot at the tip of the tooth so something is exposed. I'll schedule him a dental again soon and talk to my other vet about removing that tooth. He still eats fine, so I figured he was probably okay, as opposed to when his teeth are bothering him and he stops eating as much which is what got me to have his teeth done last year in the first place and then afterward he was fine. They did pull one of his molars last year also. But yeah now that he pointed it out to me I will be speaking with my other vet. Only reason I don't have Puter's dental work done here is they charge me legit twice what the other place does and a 2 hour drive is definitely worth $300 for me thanks.
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Hey who wants to hear the miserable story about how I had to deal with loneliness this year? Feel free to scroll on I just need to write it down to, I suppose close the chapter on the story? Read if your curious, or maybe also need guidance, or just want to learn some tips on how to help someone dealing with it. This will be poorly structured it’s just... getting it off my chest I guess.
People talk sometimes about university students often struggling with loneliness, and often going overlooked because they’re not seen as ‘vulnerable’ as other populations. I mean, look! They’re in a city! They go out every night and piss off the locals! They can’t be lonely!
It started back in 2018 (yup, that far back), when my friends decided that it would be better for my mental health if I didn’t live with them. No lie, that was the actual fucking reason. I was heartbroken; I’ve missed out on a lot of typical “growing up! Yay!” Type things because of my mental health, trauma and bullying and the fact that “living with friends” was gonna be added to the list was fucking heart breaking. But I dealt with it, because I had no where else to turn. No one else to move in with. I cried for like 2 hours solid after they so sweetly told me they didn’t want to live with me because I have *anxiety*. Not even one of the quote unquote “””scary””” mental illnesses (which would have been a MAJOR dick move), just plain old anxiety attacks and hiding from people to calm down. I proceeded to have break downs every Wednesday for 3 months while searching for somewhere to live, bc it was always a stabbing reminder that I was so unwanted.
(They planned to move in with 2 other people so it’s not even like they were only searching for a flat to fit *just* them)
I study 300 miles away from home, literally the exact opposite part of the country. Despite not having many friends growing up I was never lonely because I had a great family who would always chase it away. Maybe I was lonely a bit at school, but I could always come home and my parents chased it away. It was recurrent, but not constant.
I got a place for the new academic year. Studio flat, great location, tiny and over priced to Hell but I was in a safe area which was great because *no one was looking out for me anymore*. I didn’t have flat mates to check I was alive everyday, no one to chat to when I got home. If I got sick, I was completely on my own. My next door neighbour is lovely, don’t get me wrong, but she’s a working professional, and I’m a second year student. Everyone else in studio flats are mature students, masters, phD students or working people. And me. I have so little in common with these people it’s tough to start a conversation with them.
My birthday is early in the academic year, so we didn’t celebrate it until about a month after. Half of my friends didn’t even bother, no card, no presents. Okay, fine, I’m not materialistic, but acknowledgement would have been nice I suppose. This is the only time they came around my flat, and they are the cake I baked to celebrate.
But they inexplicably started to just stop interacting with me. There were 5 of us, they’d pair up in lectures and only talk between themselves between lectures and left me sat quietly trying to speak to someone, ANYONE, because hello? I haven’t got FLATMATES. I talk to NO ONE outside of this “friendship” group. They don’t seem to care much, they just keep telling me how wonderful it must be to live in a studio.
They invited me round to celebrate another friend’s birthday at their shared flat. He gets presents from everyone, including the two that left me out. Their flat looks lived in, there’s board games out while I don’t have room for any of them in mine. They’ve got bean bags everywhere it looks so damn nice. “But your kitchen is bigger than ours!” Eve tried to tell me (an absolute LIE), but they don’t roll out of bed and immediately land in the kitchen. They don’t have to chose between watching tv, eating or living the flat any time they want to dry clothes bc there’s no room. I want to cry throughout the visit, I storm off once were done. I don’t know why. I know now.
Loneliness feels like a weight on your chest. It’s a double edged sword where both edges only cut you. You desperately seek interaction but it also upsets you. I wanted to hang out at their flat because I hadn’t hung out with them in nearly a month at this point, but when I got there I realised they hung out together every. Single. Night. While I cried alone in my room. It made everything so much worse. And they laughed it off.
They stopped posting in the group chat, they talked to me even less. Never invited me out, but there’s no way I could prove *they* went out so it was pointless complaining about it. I was meant to go to a concert with one of them, I reminded her about tickets an entire month before, offered to buy hers. She cancelled 5 hours beforehand. I went alone.
It was a Toyah concert. I fought back sobs in the opening song “Good morning universe”, because it repeatedly asks “how are you today?”. I was awful. I finally had it figured out. I was lonely, isolated, and I didn’t know what to do.
Before anyone gets too sad, the story only continues for 2 weeks past this concert.
1st November, they joke about how Blake, friend number 4, practically lives at their flat, and I get angry. Why does HE get to live there? Blake has flatmates, Blake’s not alone! I should be practically living there because there’s NOTHING in my flat but silence. The internet is on the fritz and I’ve yet to figure out the tv, I don’t even have background noise except the kettle! I storm off, vow to never interact with them again.
I go out for drinks with my neighbour for her birthday. She buys me a pint of coke bc I don’t drink. I hate coke, but I drink it all and chat with her friends. It was a great night.
That weekend I bake pumpkin cake and bread for knitting society, and calm down. I overreacted a bit surely. One more chance, that’s all I’ll give them. The cake and bread doesn’t all get eaten at the society so I bring some for them on the Monday.
Tuesday night is bonfire night. I sit in my flat wishing I could go out and see them rather than just hear them, but I don’t know where to go. I have no one to go with.
Wednesday im sat in lectures beside them, and a friend not in the group but still a friend comes over to chat. One of them excitedly tells her about how they went to a display last night “look at these photos I got of (friend in group)!” I ask if they went out last night, the phone is quickly put away, they ignore me. I ask again. The friend outside of the group is confused and leaves before the lecture starts. I spend 3 hours with loneliness ripping out my lungs, because how could they? They could’ve dropped me a message to say they were going and I could meet up, but they didn’t even do that? Why?
After the lectures finished I corner one of them. The first of my friends at university. The first person on my course I befriended. “Did you go out last night?” “Yes” “without me?” Another runs up “it was last minute it wasn’t planned!” Laughs it off. So I rush off. I don’t say good bye. That was it.
I went home and cried. Told my parents what happened. Cried down the phone to them. “It’s time to cut ties with them”. I know it is. It’s still hard.
So yeah. Miserable story. But any sad story should have a happy ending, right?
Yes.
The next day I told someone what had happened. She immediately called it bullshit and invited me to join her friends. They’re really nice. I like them.
I left the old group chat. No explanation, just “I’m hanging out with X now. Laters” and I left. I wrote my frustrations and explanation in a shitty poem, called it shitty in the poem itself, but also said they didn’t deserve better. They didn’t deserve even that, so I didn’t send it. I think it was a very sexy decision of mine.
But most importantly, through the hardest points, most of my weekly socialisation every week came from the two societies im part of: my society (knitting) and the nerd society. 4 1/2 hours a week of socialising isn’t enough, surprisingly. But it got me through.
But more importantly are the people I met there. I don’t want to tell them what happened, I fear they’ll be upset that they didn’t help more, but they helped so damn much. So much more than could ever be expected from anyone. That final Wednesday, when I’d cried my heart out, 2 people texted me out of the blue and lifted my spirits so much I laughed that evening where I’d cried in the day. Stupid texts too. “Baby rabbits and kittens, cos you’re a vet right?” And “I only just got this message, I would have LOVED some pumpkin cake 🙁”. Poor lads probably weren’t expecting the wild conversations we had afterwards but friendships blossomed from it. Sorry new friend, hope you like the cheese scone recipe you definitely did NOT see coming that day.
The society meets on a Thursday, but it was to be a video watching thing more than a social thing. Loneliness was still tearing me up inside, I wanted to talk to someone damnit! But I went because I needed cheering up. I laughed so hard, I sang theme songs with others, and we all went to the pub afterwards. I’d never been before, I planned to leave at half 10 so I could shower and go to sleep in reasonable time for a 9am lab. I got chatting to the cake boy at 22:25. By the time we left the bar and he’d had his fill of chocolate rolls at my flat (I offered, he was hungry and Sainsbury’s was closed) and I was in bed, it was 00:40. Oops.
But I wasn’t lonely anymore.
Whats there to learn? I suppose don’t take advantage of your friends. If someone is living alone, check on them OFTEN. Make sure you don’t just pair up for conversations in lectures. Invite people round more.
And don’t under estimate the power of a text message. The lack of one ruined one friendship, one daft one about pumpkin cake built another.
(And I baked cookies for my new friends and we ate them in front of the old friends. Get rekt).
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wxkryarb-blog · 5 years
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Advice on Dog insurance...What would be best?
Advice on Dog insurance...What would be best?
So far the quotes I have are like this: 1 - 20 a month ($32) I pay first 100 of vet bills, they payout up to 1,500 2 - 45 a month (71) I pay first 100 of vet bills, they payout up to 7,500. Now, while I want whats best for my pet, Im not made of money, 45 a month is a lot of money. But with the 20 insurance, after 1.5 years I have paid more into the insurance than I will ever get back from them... So would it be reasonable of me to instead of paying 20 into insurance, pay 20 into a separate high interest bank account that is only for vet bills. Saving up 20 a month for the 12-16 years my dog lives. So say something happens when they are 5, thats 1200 in the bank for them. (Plus interest) Usually dogs get ill in their prime, so say if they got ill at 9 thats 1,920 for them. (Plus interest) Im a bit of a safety freak so Im not too worried about injuries such as car accidents or dog attacks as I would stay way clear of other dogs. Id be more concerned about leg injuries or infections...cancer. But with cancer, depending on the age and likely hood of survival as each case is different, it may not even go to surgery. Wouldnt want to put a pet through a stressful and painful operation if they weren t likely to recover afterwards or there was a high chance they d die on the table. What do you think? (1 = $1.6)
BEST ANSWER: Try this site where you can compare free quotes :insuretips.xyz
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As a family we are not known for being on time when travelling, always last minute leaving and always late arriving!  For our River Thames Cruise with Le Boat we chose to take Rosie (cocker spaniel) on her first holiday.  This trip would include Rosie’s first ferry crossing with Stena Line on the Stena Line Superfast X from Dublin to Holyhead then return.  Rosie is young and hyper, quite needy and definitely a nervy dog, so…should we take a hyper, needy, nervy dog on a ferry?  More importantly, was taking her on holiday a good idea or a bad idea in the first place?  Only one way to find out…do read on!
READ ALL ABOUT ROSIE’S ADVENTURE ON THE RIVER THAMES CRUISE
DOG ON A FERRY
Not wanting to stress Rosie or make her feel unwell in the car we knew that we’d have to leave home early, drive carefully and make frequent stops.  When travelling with your dog on a ferry it’s a must to arrive at the ferry terminal early and with plenty of time spare before your sailing.  This will allow your dog to get out of the car, have a walk around the ferry terminal and stretch their little legs before boarding.  Also, and on the flip side of the coin; don’t arrive at the ferry terminal too late!   Be mindful that the dog is going to be in the car, or the kennels; for a considerable length of time during the sailing.
Have I got something on my tongue?
CAR OR KENNEL?
When taking your dog on a ferry with Stena Line; you have two options.  Your dog can either stay in the comfort of your own car, or stay in one of the dedicated kennels that are situated on the car deck.  For us, the decision was easy and we chose to leave Rosie in the car.  Rosie is happy in a crate in the boot of the car and it is a safe place for her to feel relaxed and comfortable.  Normally Rosie is left with Nana and Granda when we travel and we’ve never left her in a boarding kennel before.  With that in mind we felt that the onboard kennels would not have been appropriate for Rosie on this occasion.
Kennels for the canines
SWITCH OFF THE CAR ALARM
If you leave your pampered pooch in the car, there’s a couple of rules we think you should follow.  Always remember to leave your windows partially open to allow for ventilation during the ferry crossing.  If safety is your concern, use a window ventilation guard, we find the expandable type work best.  A small amount of water is advisable depending on the sailing time; use a non-spill bowl or a non-drip water bottle with roll dropper.  Oh yes, almost forgot…if your dog is in the car and the car has an alarm…don’t arm it!  If you’re unable to disarm the car alarm, then you’ve two things to consider: do I really need to take pooch on this trip, and/or, am I happy to leave the car unlocked on the ferry?  If the latter suggestion is what you opt for, remember to take any valuables on board with you.
I feel like a prisoner….heeeelp, or should that be yeeeelp?
WILL MY DOG FRET OR BE ANXIOUS?
That really depends on your dog, its nature, how calm he or she normally is and whether they’re used to travelling.  .Whether you leave your dog in the car or use the Stena Line kennels, we would always recommend that you try to remain with your dog as long as possible before the sailing.  You should also try to remain calm around them.  Allow other guests to board first and ensure your dog is settled before securing the vehicle and making your way to the lounge.  Also, try to be one of the first to return to the car deck upon arrival to eliminate any unnecessary stress for your dog as other guests return to their own cars.  And a handful of sausage bites is always going to go down well.
Don’t say walls, say sausages
FOOD, WATER AND DOGGY BUSINESS
Food and water are important when taking your dog on a ferry.  Both before, after and during (not so much during) the crossing.  Our recommendation is to try and stick to your normal walking/feeding routine where possible.  If you’ve an early morning or late evening ferry crossing, ensure your dog is fed and watered in plenty of time to digest their food and also do any necessary toilet duties before the crossing.  Imagine returning to the car and there’s vomit or even worse, dog cack in the boot!  And, you’ve got a 12 hour drive in the hot European sun to get to your destination…the smell…doesn’t bare thinking about does it?  Eurgh!
The drinks are on me
WHAT TIME SHOULD I TRAVEL?
When travelling with your dog on a ferry it is important to consider what time of the day is best to travel.  If you’re travelling in the summer time, you may wish to consider a night time crossing when the temperatures are considerably lower.  If you do have to sail through the day when temperatures are at their hottest;  ask crew for a shaded spot where there is also good airflow…windows…ventilation…we’ve covered that already!
Queuing is not optional, it’s compulsory
HAVE ESSENTIALS AT HAND
Remember to have all your ‘essentials’ at hand for when you’re taking your dog on a ferry.  Your ‘essentials’ list may differ from ours.  We always have the following essentials to hand in a LeanPac bag when travelling with Rosie;
lead (collar with id tag on dog, remove once secured in the crate)
water and food bowls
food and treats
the all important ‘poo’ bags
a towel, handy if it’s raining before or after your ferry crossing
wet wipes
If your dog is staying in the onboard kennels for the ferry crossing; give them their comfy bed, blankets and favourite toy.  You could also consider wearing an old jumper travelling to the ferry then place it in the kennel with your dog so they have your scent.  Please don’t leave raw hide chews in with your dog, or anything your dog could possibly choke on or strangle themselves with.  Always remove your dogs collar once secured in the crate to avoid snagging which could cause injury to your pooch.
These aren’t the ‘bear necessities’ but they are the ‘doggy essentials.
PASSPORTS FOR YOUR POOCH
This is an area that may change in the future due to (dare I say it)…Brexit!  If the UK leaves the EU without a deal, after 31 October 2019 the rules for travelling to EU countries with your pet will change.  Travelling from Ireland or UK to mainland Europe, it is important that you have the necessary travel documents.  You may never be asked to produce documentation when taking your dog on a ferry, but do you really want to take the risk?  Obtaining a Pet Passport is straight forward and can be done with your Vet.  A Pet Passport confirms that your dog has had all their necessary vaccinations.  Your dog will also be required to have a rabies vaccination before a Pet Passport can be issued.  Your dogs Pet Passport is valid for life (vaccines must be up to date, including a rabies booster every 3 years).
Sorry about the slobbers
IS THE HOLIDAY THE RIGHT THING FOR YOUR DOG?
Lastly, but most importantly, before thinking about taking your dog on a ferry crossing, please consider if your dogs time away with you will be enjoyable for them.  Will the length of time in the car before, during and after the ferry crossing; be comfortable for them?  At your destination; is the accommodation suitable for them?  Will there be plenty of places to take them for walkies?  Where will they stay if you are going to places that are not dog friendly?  These are all factors to take into consideration before you make the decision to take your dog on holiday.
On the ‘paw’perty ladder at last
THE LOVE BOAT…NOT QUITE!
Rosie’s first journey on a ferry was for a boating holiday on the River Thames with Le Boat.  We knew before travelling that Rosie wouldn’t be left alone for more than an hour.  Thankfully there are lots of dog friendly restaurants, pubs and places along the River Thames.  Little miss Rosie was calm on the Stena Line Superfast X ferry, and she absolutely loved being on the Crusader by Le Boat.  And Rosie has since been back on a boat for our River Shannon Cruise with Emerald Star by Le Boat.  In our honest opinion, you should definitely consider taking your dog on a ferry and on holiday with you if are able to.  After all, they are part of the family!
READ ALL ABOUT ROSIE’S ADVENTURE ON THE RIVER SHANNON CRUISE
Rosie the canine captain
WOULD WE GO BACK?
Through the power of telepathy (not really) we’ve been able to establish that Rosie thoroughly enjoyed her ferry trip with Stena Line.  Quote from Rosie “woof, yap, grrrr, woof-woof, snarl, pant, yelp, gruff” (translated:  I was nervous about travelling on a ferry at first, but soon settled for the journey.  But I was definitely glad to see my family at the end of the ferry crossing.
With a very special THANK YOU to:
Jillian Frew (Duffy Rafferty Communications Account Executive) – for organising our Stena Line Superfast X return ferry crossing with Rosie.
We are extremely grateful to you and have had a great experience working alongside Stena Line and Duffy Rafferty Communications on this collaboration.  Until the next time…taisteal sábháilte!
LILY-BELLE SAYS (10)
I was so glad that we got to take Rosie on holiday with us and she behaved well considering it was her first holiday.  Rosie loved standing on the upper deck watching the swans as they swam by.
MATILDA SAYS (4)
I wanted Rosie to go swimming in the sea but Daddy wouldn’t let her, he’s so mean.
Travel Itinerary
Date(s) of travel:  6th (outbound) + 13th (return) April 2019
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                Information, currency and prices are correct at the time of publishing. Views, opinions and experiences are that of The Callaghan Posse and are correct at the time of publication. Photos, unless credited, are taken by The Callaghan Posse for use and distribution by Around The World In 18 Years. Images and content may not be used or copied (private or commercial) without obtaining prior permission.
[disclaimer:  Stena Line Superfast X ferry crossing was gifted by Duffy Rafferty Communications.  Gifted item(s) were provided in return for social media and blog coverage]
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TOP TIPS FOR TRAVELLING WITH A DOG ON A FERRY As a family we are not known for being on time when travelling, always last minute leaving and always late arriving! 
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Good dog insurance....................?
"Good dog insurance....................?
I plan on getting a neo some time, and I know they have many health problems. Vets can be expensive so I am sure that getting insurance would help it be cheaper. (?)    I have a few questions for ppl with dog insurance.  It is like human insurance, do you pay a monthly fee or is it semi annual/annual? Also what is a good dog insurance to go with, does your dog have to get approved to be on the insurance? Thanks!
BEST ANSWER:  Try this site where you can compare quotes: : http://salecarinsurance.xyz/index.html?src=tumblr 
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I want to know the estimate on a dodge challenger srt8 se r/t and see what the differences are in price. Guessing the srt8 is gonna be alot!!! please just estimate. THANK YOU!
Where can I get cheap car insurance? (UK)?
I'm a 17 year old guy, about to turn 18 and my mum bought me a car! I have yet to pass my driving test but have booked one for June. I have been looking on the internet for car insurance and the best I had found was about 715. That was a couple of days ago. Now the cheapest is 798. Is there somewhere you found cheap car insurance? I am hoping I might be able to phone up and try to convince them to drop their 798 a little because of the sudden change. What else can I do? I've looked on every car insurance website i can think of. If you dont know how to answer this question can you name as many car insurance companies as possible in case i missed one. thanks""
""Before Obamacare, my health insurance premiums were stable...?""
...this year they went up 17%. How can this be, if Obamacare was supposed to make everything more affordable?""
Accident...Car Insurance Coverage (Infinity)?
I drove my moms car going to work, I drive it once a week or not even. Someone crashed into me on the freeway and damaged the vehicle. Im not on the insurance policy but My mom has ...show more""
Good dog insurance....................?
I plan on getting a neo some time, and I know they have many health problems. Vets can be expensive so I am sure that getting insurance would help it be cheaper. (?)    I have a few questions for ppl with dog insurance.  It is like human insurance, do you pay a monthly fee or is it semi annual/annual? Also what is a good dog insurance to go with, does your dog have to get approved to be on the insurance? Thanks!
Lamborghini insurance price?
please tell me the price of lamborghini insurance. I am looking for a 2009 Gallardo [ cost 220,000 dollars] i am 32 and have a clean traffic record in everything!! dont say theres an old saying if you have to ask u cnat afford!! p.s. i make 500k a year i have been looking for insurance and have an answer just trieng to see what you guys think im not sh*tting you!!""
Can my brother use my bank account to pay for his car insurance.?
My brother doesn't have a bank account and he needs to pay his car insurance using direct debit. can he use my bank account? Would it matter if it was my name on the account? also, If he had a crash would costs come from my account? I hope somebody can help.""
Cheap auto insurance?
Where is a good place to get cheap auto insurance? Im a 22 y/o female that lives in CA. I need full coverage (liability, collission and comprehensive) on my 2003 Honda Civic. My driving record isnt too bad. Thanks in advance.""
Car insurance?
1st off i live in new jersey i accidently hit a car but didnt know i did it till later when the dude whose car i hit came up and confronted me.it wasnt my car but my roommates and i dont have insurance.ive offered to pay about 75% of the damage but i dont know if dude still wants to make a claim.i talked 2 the police and he said i could lose my damn lisence for bout 2 yrs.can any1 add a bit of clarity to this for me?
Where can i get glasses with nationwide insurance?
i need to get glasses for my kids and their under nationwide insurance ...where can i go so that i dont have to pay and the insurance covers it?? if you get what i mean haha
How much does car insurance cost if i wanna pay it every 6 months?
It would just be me on the insurance (Full Coverage).I also only want to lease cars.I feel it's better to pay insurance twice a year as oppose to paying for it every month.
How much should an attorney charge for helping someone with an insurance claim? (average charge?)?
I don't wanna over pay. ..and does anybody know any good attorneys?
Do you believe medical insurance should pay for breast implants?
Vasectomy, chiropractors, accupuncture, penile enlargement, orthopedic shoes? Why? Have you used it for such?""
Do Police Officers have to pay for their police car & insurance?
Im wondering if police officers have to pay for the police car they use, and if they have to pay for the insurance, or is it covered by the police department? and do they receive gas money or you have to pay for it out of your own pocket?""
How much would insurance cost for a mini moto?
How much would insurance cost for a mini moto?
What insurance companies do cheap van insurance for young first time drivers?
I'm 18 and have a 1.3 Vauxhall combo
I have had my car broken into and had my pc stolen HOW DO I CLAIM INSURANCE?
earlier this afternoon i had to take my desktop pc to pcworld to be fixed but came home with it straight away due to them sending an engineer out to my home to fix it, Anyhow heavy rain started upon getting home so i left the computer in the car so it wouldnt get wet, CAN I CLAIM ON MY CAR INSURANCE FOR A NEW COMPUTER?????????""
What are the pros and cons of car insurance?
What are the pros and cons of car insurance?
How will my insurance work out tomorrow when I buy the new car?
I called a friend earlier this week to buy insurance. He gave me a quote I like, and tomorrow I want to go ahead and get the car. Do I just call my friend and tell him I'm buying it, and will need the insurance?""
How much insurance should i get?
How much insurance should i consider getting?
How much does life insurance and car insurance cost for only one person?
How much is life and health insurance for one person with state farm? And how much is car insurance for one person with state farm as well?
""How much does it really cost to have a car,do you know where the info is ?""
I know there is like a true cost of owning a car and it includes the wear and tear, depreciation, gas, tune ups, keep up, insurance, car payments etc. Anyone know where to get that info please ? thaks""
Extra costs covered by car insurance ?
I had to pay 150 to get my car brought home when a car hit me from behind ? Can i reclaim this money through my insurance company ?
Good car insurance companies for a low cost??
Good car insurance companies for a low cost??
Where can i get cheap affordable Health insurance?
I am 20 years old and i will need to see a cardiologist. I have a low paying job right now. Whats the best plans. I cant afford much =/
Does installing a new stereo into your car affect your insurance?
A lot of car insurance companies ask whether any modifications have been made to the car and I was just wondering on whether this included stereos.
""Have GAP Insurance, Don't have car insurance?""
My husband was hit by another driver a few days ago. The other driver was at-fault and our state is an At-Fault state. The other driver has insurance. Our insurance policy has been lapsed for under 30 days. We were planning on obtaining insurance in 2 days. There is a chance the car may be totaled and it is financed with GAP. I believe that I read that GAP will not cover in the case of no insurance coverage. Does anyone know where we stand here? Will having the new policy in a couple of days in any way help regarding the GAP issue? Also, the other driver's insurance company called today asking for info: Name, Address, our insurance info. What should we do?""
Why is my car insurance so high?
About me; I'm 18 years old, no past convictions / points on my license. Passed my test as well as Pass Plus a week or so back. Car I've got; 1994 1.2 Corsa LS (5 door) --- Most of my friends have similarly old / small cars and are paying between 500 - 900 insurance. I'm keeping the car on my drive, and yet the cheapest I can find any insurance is with Direct Line (1,600) Why is my insurance nearly 3 times as expensive as theirs? :(""
Does state farm insurance cover rental cars if you car gets stolen?
I do have full coverage on the car that was stolen ,but does rental coverage come standard on full coverage insurance?""
""I was in a catastrophic car accident, can I sue my own insurance company?""
In 2010 I was in a catastrophic car accident on a state road. I lost control of my car and it rolled 3 times and I was ejected from the vehicle . I am blessed to be alive but had a laundry list of injuries. I was life flighted to the nearest trauma center and was in the ICU for 2 weeks and then the step down unit for a month. I had 7 broken ribs, 2 collapsed lungs, skull fracture, blew out my orbital floor, broken cheek bone, broken nose, shattered my left shoulder, and broke my back in 4 places. I am lucky to say that I am not paralyzed but it was a long recovery for my back. I still have a list of surgeries ahead of me. Since I was no in an accident with another vehicle can I sue my own car insurance (I have full tort)? How much do you think someone could get? I am not being greedy I have a lot of bills in front of me and not working is taking a toll on me.""
Good dog insurance....................?
I plan on getting a neo some time, and I know they have many health problems. Vets can be expensive so I am sure that getting insurance would help it be cheaper. (?)    I have a few questions for ppl with dog insurance.  It is like human insurance, do you pay a monthly fee or is it semi annual/annual? Also what is a good dog insurance to go with, does your dog have to get approved to be on the insurance? Thanks!
Washington State Car Insurance?
I am 21 years old, and I just bought a vehicle, and transferred the title and everything. HOWEVER I only have a Learners Permit. Is it possible for me to buy insurance for the car, to use it to learn to drive prior to licensing? I don't have a spouse or parent with a car or auto insurance, so that is out of the options.""
How much would it cost to insure these cars?
How much a year would it cost to insure a: 57 reg Renault Clio 1.1L and a 57 reg Vauxhall Corsa 1.1L I'm 18, female live off the main road and the car would be kept on a driveway, i live in a quiet little village in Derbyshire, the insurance groups for both are group 1. It will be used to drive to and from college each day so around 20 miles a day, no enhancements on the car, cars have done 17,000 miles, i have had my license for 1 month. Thanks.""
What type of car is cheapest to insure?
I am 16 and looking to buy a car under 10k. I want an SUV but what I hear they are a lot more to insure than a sedan? is there a big difference in insurance price when it comes to Suvs, sedans, and sports cars? For example here are three types of cars one a suv, one sporty, and one sedan. Which will be cheapest? Ford Expedition Mazda RX8 Chevy Malibu""
Can I afford to get pregnant?
My husband and I are both in school and working part time. We currently don't have health insurance because we can't get it through our jobs and can't afford any outside insurance. We really want to have a baby, but are worried about paying for all of the pre/postnatal care. Is there a way to get help without putting us in tons of debt?""
How much does insurance typicly cost for an 2003 kawisaki ninja 636?
i have my m2 (just got it) and i have full G car licence.. i just wanted to no around how much insurance i would have to pay for the bike for 3 months durring the summer. btw i am 18, and i have never been insured, i would just like a really rough estimate range""
Car insurance/old car?
My parents have had this old minivan 2000 Ford windstar since 2001 to current. It is almost defunct- it will take three grand to get back to normal/ run.. Our family doesn't ...show more
Why does my car insurance cost too much?
I am 19 and just passed my test (UK). I have a 1.0 liter Micra and I have put my details in confused.com comparison website. The quotes I am getting are around 4000. Is this right ? it seems too much. Any ideas?
How do we get life insurance?
im 45 & my wife is 42 we have 2 kids one is 18 and one is 20 we never had life insurance before 1.how does it work? 2.is it expensive? 3. how much money can you get? 4. what company is the best to choose? 5. can we still get life insurance? please answer all my questions dont put stupid answers :)
What is the best (price and care) auto insurance for someone with a DUI?
So about 7 years ago I made a mistake and got a DUI. I realize it stays on your record for 10 years but there has to be decent full coverage insurance in San Francisco that does set me back almost $200 every month. Any suggestions?
Any cheap motor insurance company for 19yr old?
19yrs old, licence since May '05, planning to buy a Fiat Seicento Sporting (grp. 3), Bradford postcode. I know insurance below the tonne is hard to come by in my circumstances, but any help/suggestions would be be appreciated. Thanks in advance.""
What is the best individual insurance for a pregnant woman?
I just found out i am 5 weeks pregnant and dont currently have insurance. My husbands works and his employer offers insurance for the family for $850.00/mo, which is completely ridiculous and not affordable for us right now. I stay at home with my daughter in Missouri, but we are having a hard time getting medicaid. Any advice. Thanks...""
Health Insurance for a family of 4?? Help?
Help........I need health Insurance for a family of 4... I dont work and my husband's Company doesnt Offer Health insurance...We have 2 little Kids ages 4 and 3..we need health insurance for a family of 4 we live in california between sacramento and san francisco....Can anyone help me by telling me who they use? and what can i expect to pay for a family of 4
Am I paying too much on car insurance?
Hi I am a learner driver and am paying 99 a month for my car insurance. I own a club corsa 1litre 51 reg. I am on fully comp insurance with elephant which is the cheapest i found. I have also insured my mum and bf who have both been driving for at least 5yrs but I am the main driver. Everyone seems to be paying less for their insurance even if they are boys with larger litre cars and all other details match. Am I getting overcharged? Surely it will go up when I past my test. Help please
Is it illegel for a health insurance company to refuse to sell health insurance?
My wife is 35th week pregnant and she needs health insurance by september 1st. There are a number of insurance company decline her application. Is this ok by law?
Car ratings for cost of insurance?
rating numbers car insurance companies use for insuring cars and other transportation.
Do you have health insurance?
if so, how much does it cost per month, How old are you? what kind of deductable do you have?? Feel free to answer also if you don't have insurance.""
Insurance help???!?!?!?
right, im a 17 year old male who passed my test in may 2010, however i now have enough money for a cheap car and insurance, but why is it so expensive?? cheapest i have found is like 4k so please if anyone can help what is the best cars to get cheap insurance, i have tried putting myself as a second driver but is still really expensive, i need some help where is the best place, what is the price you have? i just need helpp!!!! pleeasssee""
Anyone know of affordable health insurance that is not a scam?
im in florida - sunrise
Hello! Car insurance question!!?
I'm an 18 year old female, just got my license. My boyfriends dad is giving me his old 95' Hyundai accent. It's got 167,000 miles on it. However, I have to get my own insurance. Can anyone tell me the best cheapest places to get insurance and how much a estimate would cost?""
Free Auto Insurance Quotes At What Website?
I have been looking for a site that gives Free Auto Insurance Quotes, everywhere I have found wants to charge me or run my credit. Can anyone help me? All I want is a Free Auto Insurance Quote is that to hard to find?""
Does one single speeding ticket raise auto insurance rates?
hey guys so probably 2 months ago I got my first speeding ticket whilst on the way to the movie theaters at college because my stupid friends wanted to make the 9:30 showing of Evil Dead. Needless to say it was still my fault getting pulled over in the end. The cop did however tell me that there would be no points on my record since it was my first ever offense and basically it was just a $92.00 fine that I paid the next day. I am a very cautious driver and have not had any trouble with the law regarding my driving except for that one mishap. Does getting this one single ticket raise my insurance rates? We are looking to switch insurances so will our rates be higher because of this stupid mistake of mine?
Roughly how much is car insurance for a peugeot??
please help, i only want roughly""
""I'm 57, am learning to drive a car, will need the best and cheapest car insurance, how will I know which is re""
i just want to be able to drive my car, and know there is help there for me, when and if I ever need it, without all the hassles of being stranded. Am in the process of checking out AAMI, RACT. Comprehensive for a first off driver is about $859 a year!! would i be better to Join RACT emergency on road assistance AS WELL AS taking out fire and theft third party insurance separately? I will be about the only driver, with a friend or two......is this the best cover for me? Say...for 1,2 years until I build up a reliable record? enough then to qualify for cheaper comrehensive insurance car cover?""
Will this make my car insurance cheaper?
Hi, I'm only 15 so not anywhere near needing to buy car insurance, but unlike most teenagers, I am very interested in cars, and am already thinking about my first car, obviously I won't be getting an Aston v12 vantage, but I'd like a decent car, at the moment during the holidays I have junior driving lessons on an airfield, which are proven to make young drivers safer, I will have probably have had around 10 by the time I'm 17, will this make my insurance cheaper? Or will it just be for my own safety? Thank you""
Best individual insurance health plans???
I'm 19, I'm healthy, healthy weight, all that. I want a basic cheap health insurance plan that covers regular check ups and vision would be nice too, but thats not necessary. Anybody have any suggestions???""
Good dog insurance....................?
I plan on getting a neo some time, and I know they have many health problems. Vets can be expensive so I am sure that getting insurance would help it be cheaper. (?)    I have a few questions for ppl with dog insurance.  It is like human insurance, do you pay a monthly fee or is it semi annual/annual? Also what is a good dog insurance to go with, does your dog have to get approved to be on the insurance? Thanks!
Does a driver under 25 in the state of NH need car insurance? if they live with parents?
i know nh drivers don't need car insurance, but does a driver under 25 that lives with parents need car insurance?""
How much is auto insurance for a simple car?PLEASE HELP?
a 2000 honda prelude,basic need to school,work,home,and full cover?if you know please givr me a estimate amount,thanks ps im 16
Where can I find information on low rate home owner's insurance?
I have a hmeowners insurance since I bought my home 10 years ago. The premium has gone up about 25%. Want to find out better rate from good companies - websites etc information
""My teen had a minor accident, will my insurance go up?""
My daughter who is 16 yrs old tapped a car from behind at a stop sign. There was no damage done to either car and no injuries. The guy said he was not going to do anything about it since there was no damages. My daughter gave him her information (insurance etc). I called the guy to make sure everything was ok, he said nothing happened to his car or himself but he went ahead and opened a claim with my insurance because he thought he had to do that. I know that if he decides to ask for damages the insurance will pay. My question to you is if he decides not to ask for damages, will my insurance still go up and will she get points in her driver's license. Also, I'd like to add that we live in California. I have not talked to my insurance (AAA) yet. Thank you""
Auto insurance question?
I'm going to be working for a delivering company and I need proof of insurance. I have it, but the car I'm driving is my mom's so the name on the card obviously isn't mine. The company I'm going to be working for needs proof that I have insurance and I don't know what kind of paperwork would work. Any ideas?""
How much would insurance cost on a 1996 wrx?
im buying a 1996 wrx as a first car ( red P's), it cost $16,000. how much would the insurance be?""
Insurance companies taking advantage?
is there a chance that insurance companies are taking advantage of obama-care and increasing costs more than they really needed? looks like a % of insured are getting hit but what is the % of uninsured or insurance denials that are now covered? any good stories?
Which health insurance plans do you like in California?
For individuals which health insurance plans are good for people in good health? Are the Anthem plans a good choice for a family?
Help with car insurance........................
i am 16 but when i turn 17 i want to pass my driving tests. my worry is car insurance. i want to buy a little car like Peugeot 206 1.4 or something similar but i have checked insurance companies and their quotes are ridiculous so my dad said that if i give him the money to buy the car he can then insure it on his insurance and add me as an additional driver so i can sometimes drive it to my mates or whatever. i have heard of something called fronting and i was just wondering if then we would be doing that or would everything be legal. thanks in advance Matt
What decreases vehicle insurance rates?
What decreases vehicle insurance rates?
Where can I get consultation for health insurance?
I have been having a lot of insurance problems after about a year ago I went to a PCP for chest pain. They charged me for a general check up ($100) and referred me to 3 places, a hospital for an ultrasound (hospital bill $3500, doctor bill $750), a place for x-rays ($75), and a thoracic surgeon consult. The surgeons office was the only one to warn me that my insurance would not pay for their consult. My insurance, UnitedHealthcare, has only put in about $2000 towards the ultrasound and I am left with a lot of bills that I had no idea I would have until months after these was all done. Now I feel very frustrated and I do not feel like I can trust any insurance company to help me. I was wondering if there are businesses that can help me get the best insurance for me and explain how much everything will cost as I do it. I find it way too confusing to figure out on my own. I have a thoracic disorder which I was born with and I may need surgery. I have had health insurance under my parents until 23, then I got this insurance with UnitedHealth care when I turned 24.""
How do I get an Insurance licens for California ?
I was wondering how can i get and insurance license in califronia ? Is their a web site where i can take a course to get one?
Can i get braces free from insurance?
I reallllly need braces and I've been looking for any dentists in chicago that accept insurance in chicago. I live around cook county and anywhere around irving park or places near there would be fine but i really want to get braces that my insurance will cover. I am 13 years old.......thx!
Cheap car insurance for UK license driver in US?
need to insure two cars in the US with a UK drivers license. Three quotes so far all over $1500 for 6 months!! Anyone know of a good co. who can do cheaper--MUCH cheaper. Being penalised for not having US drivers license.
How much is motorcycle insurance in california?
Im 19 years and im planning on buying a 2012 yamaha r6 as my first bike (no experience) I am going to take a MSF course. Anyways how much would motorcycle insurance cost me?
How much is a doctor visit without insurance?
My friend hasn't been feeling well for a few days now and needs to see a doctor. Does anyone know how much a doctor visit would be if she went to a walk in clinic? She doesn't have any insurance. By the way we live in Miami, Fl.""
I got an unbelievably low quote from Response Wordwide Auto Insurance.Should I switch from StateFarm?
Their quote is about 1/2 that of all others
How can a non BC resident be on a car insurance (ICBC)?
BC only has one choice of auto insurance, ICBC (gov't run). And ICBC is not flexible and so expensive. I have a car insurance from ICBC on my car, but they told me that when my boyfriend who has an international driver's license cannot drive my car under my insurance. I thought about renting a car so he can be insured and drive. But ICBC's rental car insurance does not cover non BC residents either. So how people who visit BC from other countries travel and be insured to drive a car??? Any information will be much appreciated. Thanks!""
How does a 18 year old buy a car without a license or insurance?
I want to buy this camaro from this guy because he wants to sell it because he has two cars but I have not took my drivers test because I work so much and I do not have auto insurnce. I want to buy the car so it can sit in my garage until I get my license then I can register it and stuff. Like is their any paperwork or legal processes I should know of because In my mind I just think I can Get my uncle to drive me out there and give the guy the money in return he gives me the keys and my bro drives it to my house or does it need to be towed?
How much insurance money do you think i can get?
Seven weeks ago i got into a very bad car accident on the freeway. I'm 15 and was NOT driving. my 19 year old friend was driving. from the accident i was rushed to the hospital with a broken arm. my left arm was very badly cracked and they said in a week they will hit it into place then put it in a cast. so, a week later i went into surgery and there was complications and my arm snapped in half and so they cut open my arm and put in a 5 inch titanium plate and 7 pins. i just got my cast off after 4 weeks. my arm is in pain all the time. and i cant do much. how much money do u think i could recieve?""
""I am renting a car, what kind of insurance do I need?""
I do not currently have car insurance (no car!) but will need to rent a car from Washington state to travel one way 2600 miles away. My question is what insurance, if any, is REQUIRED by law to have while driving this car. Will the car companies know or will they tell me what they can to get me to pay more? Also if you happen to know the best priced one way rental car company that would be helpful too!""
Self Employed Health Insurance?
My father just quit his old job, he couldn't work there anymore (Too long commute and we lost a parent, so he had to stay closer home for the family) So now he is self employed. We are trying to find insurance that will cover him, 4 children, vision (we all wear glasses) + dental. Does anyone have any suggestions? (We live in PA)""
Are you in favor of getting rid of health insurance for people with pre-existing conditions?
Are you in favor of getting rid of health insurance for people with pre-existing conditions?
Does my grandmother need car insurance if she doesnt drive...?
She doesn't have a license and hasn't had one in decades. Her children drive her to and from church, grocery stores, etc. in her car bc she has trouble getting in and out of their cars. So, does she HAVE to have inurance? I would imagine if her children have insurance, then she wouldn't need it. Anyone know the rules on this?""
Can I drive without insurance?
hey people, so basically, I am going to turn 17 next month and will get my provisional. I am then going to take my theory test, along with driving lessons and then on to the practical test. Once I pass, I want to obviously drive, however the insurance premium for new drivers these days is ridiculous! I was wanting to ask if I can drive my parents car (which is insured to them) with their premission, or do I have to be insured as the next driver? By the way, the car would only be something like a 1.0 - 1.4 litre petrol. Thanks in advance!""
Good dog insurance....................?
I plan on getting a neo some time, and I know they have many health problems. Vets can be expensive so I am sure that getting insurance would help it be cheaper. (?)    I have a few questions for ppl with dog insurance.  It is like human insurance, do you pay a monthly fee or is it semi annual/annual? Also what is a good dog insurance to go with, does your dog have to get approved to be on the insurance? Thanks!
https://www.linkedin.com/pulse/should-i-get-car-insurance-when-rent-ryan-avery/"
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Hey Im 22 and dont have dental insurance. Ive had a bad cavity for about 2 years and off and on gives a really intense pain. At times I go a few days without sleeping because as soon as I fall asleep Im woken up by the pain and have to run it under cold water. Im looking to have an extraction. Its the last tooth on the top right side and has a large hole in it so its not a full tooth. I dont have insurance and dont have the money to get insurance. I was kicked out and have a lot of bills and work as a waiter so I dont have a large income. Where on Long Island NY can I find a place to extract the tooth at a cheap price? Maybe a dental school or something. Any information would help. Oh and when it starts to hurt it usually bleeds(swelling gums into the sharp edge of the tooth) If your just going to say go to an emergency vet and make payment plans please dont post because Im already 3 grand in debt and dont want anymore. Thank in advance
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We are wanting to start TTC, but we are a little worried about the cost of the actual birth and doctors expenses, as well as any complications that might arise. Now, we do have enough money to cover the basics, but if anything else should arise to complicate things, we're worried. We both work from home for ourselves and have looked into private health insurance, even only maternity insurance, but the plans just suck and dang expensive! Anyway, I was wondering if you knew of any way to get legitimate insurance for only me while I'm pregnant, and for the baby after its born? Some sort of affordable state insurance? Im in AZ by the way. How would i go about finding something like that? thanks!""
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""How much would the cost of a 2003 lincoln ls front bumper be, and where can I find a bumper?
2003 silver Lincoln LS. Only reliability insurance on the car.
How to join car insurances?
HI I have one car at the moment. Which insurance is due in november 1st. Now if i buy another car this month or next i will have to get that insured aswell. The question i want to ask is that how can i have both cars insured under one company e-g LV. As they will have different starting dates of insurance and different ending dates? Also is it cheaper to have two cars with same company or different companies?? Can i have both with same company but different main drivers?? Many Thanks
Where can I find cheaper motorcycle insurance?
I need to get insurance today as I'm picking up my motorcycle later, it's a 1977 Honda CG125. The cheapest quote I have found is 377 TPFT, and that's with two years' NCB! Granted I'm still on a provisional licence but still ridiculous. Also, can anyone explain if there is any point at all forking out 150 more a year for Theft and Fire cover when it demands 500 excess? I'd have to pay that if it were stolen, right? Even though I paid less than that for the bike...""
How many years no claims bonus does it take for your car insurance quote to be at its minimum?
For example, If I were to insure an Audi RS4 which costs around 48,000 - which group would this be in?? etc...""
Good used sports car that won't jack up my insurance?
I am 17 and getting my license in november and I want to buy sports car (ex:mustang) that won't jack up my insurance, and won't break down all the time, my budget is about 12,000. Any recommendations?""
Car insurance advice needed?
What would be a good car insurance for me to get? I'm 18, if that helps. I'm looking for affordable and full coverage. So yeah. Thanks. :)""
Ahhhh! car insurance?!?
Hello, I am a 18 year old freshmen in college. My College is approximately 20 minutes away. Since I was very very busy with my studies, I was unable to get a car permit / Driver License. Now that I am at spring break, I am planning to take my permit test, and start driving, so I dont have to ask my father to drop me off at chosen locations. Right now, I am earning $11 an hour. I get about $320 every two weeks. Now I have heard from my friends that Since I am 18 years old and my parents will not pay for my insurance, It will cost me about $300 for insurance every month, $100 for gas, and about $500 for required checking for cars. As you know, for a check of $320 every 2 weeks, I will not be able to pay for my car insurance and gas. Now heres the question. What should I do? I mean, I really need a car and I need to think of a good strategy. so that I will be able to pay for my car insurance. If you know any great, cheap insurance deals for someone my age, that'll be fantastic. Thank you.""
How much does it cost do get a lawyer to file for Bankruptcy (Chapter 7)?
I am a single person, low income (waitress), just suffered a major medical expense and no insurance. I have lots of credit card debt, no car, house or student loan debt. How much would it cost a lawyer to file my case with bankruptcy court? Thanks!""
Can I get insurance on somebody elses policy?
OK, I'm 17 and would like to start driving when I pass my test. So as a new driver, can I insure a car on my mum's policy? (In the UK) I hear it's a lot cheaper, so how much would I save if I insured a 1 litre VW polo on my mum's policy? Compared to a policy of my own. Thanks in advance.""
Auto insurance required when buy new car???
I live in california and recently went to the dealer bought a brand new car, and the saleman told me that I need to buy the insurance for my new car right at the dealer otherwise he can not let me drive that car home from the dealer eventhough I have full insurance coverage on my old car(current car)? He ask me to get the insurance coverage that they offer for 30 days? Is this right or it is a scam to get more money from me? Is it true that for everyone who buy new car to get the insurace coverage before they can drive it home even if you have full coverage insrurace on your old car? Thanks""
Does driving school affect insurance rates when over 21 in Massachusetts?
I am 21 and have never held a drivers license before. I would like to get it now, but I do not want to take the classroom portion of driving school, just the road lessons. However, my father would add me to his insurance plan since I'm still living with him until I complete college and grad school. He is worried about insurance rates being too high without driving school. Would this affect my insurance rates since I am over 21?""
07 honda civic Si insurance?
hello peps...i hav a 07 honda civic Si coupe and its red T_T..actually its kinda dark orange...i was wondering how much do i hav to pay for the insurance for it...we hav 3 cars insured right now NOT including the civic yet...my dad plans to insure it with him as the primary driver cuz im still 19 and it will prolly make the price higher....
""Getting my first car,without license or insurance?""
Hi i live in California and im getting alot of money to get my first car withing a 90 mile radius,the problem is that i have no DL or insurance.My question is what happens if i get stopped?Im only going to be driving it to my house and thats it until i get my license.Im also buy it off a person not a dealer.""
What do you pay for auto insurance?
Do you consider it reasonable or not? thanks for answering. Please let me know where you are from. just looking at the statewide quotes.
erie homeowners insurance quote
erie homeowners insurance quote
Do parents really expect their teens in highschool to pay for their own cars?
Its enraging when I hear my parents/parents in general tell their kids, who have their licenses to pay for a car yourself . Not even a split? A loan? These kids are still in highschool! Even after highschool in college, I just don't see how one can pay for even a cheap used car themselves unless they dedicate their life and save every penny for the damn car. People that age usually earn close to minimum wage, and if they spend all their time working instead of studying, that's all their ever going to make. Ex) my friend earns 9.25 hourly at a grocery store (he's worked there for a while so its not exact minimum wage), and works 40 hours a week. He is ALWAYS at work. At the end of the week, his checks are worth about 338 after taxes. A crappy used car is probably about 5000? I'm not fully sure. Someone that age would have to work 40 hours a week for quite a long time. Since they're teenagers, that would pretty much leave them no time for studying/doing homework and a social life in general. Don't parents want their children to perform well academically as well? Aside from financial issues of their own, why wouldn't a parent with a decent amount of money atleast agree to help their responsible teenager pay for a used or inexpensive car? I'm not suggesting brand new BMWs or mercades, but why not like an 06/07 used toyota or honda in good condition? Why not agree to help pay for.half or a smaller fraction of it? And don't they get sick of their kids always using their cars? What do you think?""
How to get my baby insurance?
I will be under my moms insurance and I will be giving birth in a few months. How do I get my baby insurance? He can't be on my moms also can he?
Cheap car insurance companies?
What's the cheapest car insurance companies for a 17 years old
Yamaha 09 R6 insurance?
how much would you thing it would cost in insurance for a 19 year old to own a 08 or a 09 Yamaha R6
How much it cost for normal birth delivery in california without insurance?
How much it cost for normal birth delivery in california without insurance?
AAA auto Insurance policy ?
I'm currently having auto insurance with AAA and my bro is going to get his car soon. If I can get both of our cars insured under 1 plan, would that be cheaper ? thanks""
Does Florida auto insurance have some sort of new windshield coverage?
I need an arguement solved. i was on interstate and some rocks/debris flew off truck in front of me and damaged my windshield. everyone keeps telling me that my insurance will cover the windshield to be replaced but I do not see this in my policy at all. I only carry the basic minimum needed to insure car. Is there something I am missing or does anyone what these other people are talking about? I do not carry comp or collision.
Do I need health insurance for cosmetic surgery ?
Just wondering ? I have the money to pay for it, so I don't need the insurance to cover it..But the medical forms ask for that information, and I don't have health insurance yet ? Does it matter ? Can I get the surgery without it ?""
How much does motorcycle insurance cost in California? I'm 20 years old and thinking of getting a bike.?
I'm thinking of getting a Yamaha R6. Still don't know what year? Anyone got any tips of what year i should get?
Motorcycle Insurance?
I would like to purchase a motorcycle this summer, something between 500 CC and 650 CC. I was wondering what my insurance rate would be. I am 19 years old and currently pay 2000 a year for my 06 Subaru Impreza. I have a clean driving record and currently have nationwide insurance.""
How can my elderly parents from NZ get car insurance for 6mnth UK visit?
My parents will be 74 & 75 when they come over in April 09. They want to buy a car and travel around for 6 months. Any suggestions for how to get them insurance appreciated
""Compare car insurance with health insurance, car insurance is a law, health insurance isn't why?""
car insurance is a law right? and I know a lot of people that have a very difficult time paying car insurance since it's so high, but it seems like insurance companies are making a lot of money, NOW how can we compare that to health insurance if it became a law to have to have it. You would hope that health insurance would be more affordable since more people are putting money into the pot right, but I am afraid but it being a law, the rich (insurance companies will get richer) and raise the cost of health insurance since it's a law. Maybe our solution would be to have our government give us tax breaks on health insurance premiums and some how get more for our money with health insurance. It's sad that you have to spend $500.00 a month for health insurance but still have to pay office visits and wait 6 months for preexisting problems. Maybe the solution is to have better health insurance options, right? Isn't that what McCain wants?""
Does home insurance cover acidental damage?
I acidently spilit water on my laptop and broke it. Would home insurance cover this?
Anybody know of cheap but good car insurance?
i drive an SUV and i would like to have good coverage as well as being covered if someone else is driving my car....
How do i pay for car insurance?
i'm 17 years old and moving out. me and my parents do not get along. i'm buying my own car but i do not know how i'm going to pay for the insurance? i do not know much about anything. i can't get a credit card because i'm not 18 so what should i do? is there a different way?
Can i get insurance w/out a car and vice versa?
i have my license just not a car. so can i go buy a car without insurance OR can i buy insurance THEN buy a car?
How much does one speeding ticket effect my car insurance?
I was going 14 over the speed limit
California Insurance with Arizona license?
If i change my California drivers license to an Arizona one, do i have to tell my insurance company? If i do will this affect my policy in any way? thanks!""
What is the average cost for a 30 year old male to pay for car insurance?
How much does it cost a 40 year old male pay for car insurance? What guidelines do insurance companies use to determine the price for an individual? Is zip code, profession, driving record, or age the major factor?""
Cheap auto insurance in Nevada?
im looking for a cheap auto insurance in NV. ranging 100-150. Any suggestions? no accidents, new driver""
Temporary classic car insurance for 17 year old in the uk?
I am 17 and have passed my driving test, so hold a full UK license, i wan't to borrow my dad's classic car for a day, to take my date to the the end of year prom. Is it possible to get temporary insurance for me for just a day? without adding me to the actual car policy? It is a Triumph Spitfire 1500. Thank you for your ideas.""
Health insurance question please?
My family and I have not had health insurance for the past few years. And I'm starting to get really sick and probably need tests done. I live near Aurora,IL, what's an affordable good health insurance I can get? I work part-time at a pet store and it's not gaurenteed hours so I may get like 30hrs a week for a month and than it go down to 20hrs a week. I am going to school full-time as well. Can someone please help me?""
Cheapest insurers for a first time 18yrold with pass plus??
Hi iv'e just brought a 2002 vw polo and wanted to get my first insurance on it. Can you recommend any cheap insurers for first time drivers and young drivers. I've completed my pass plus as well. Thanks for the help xxx
Do you think i could get a used car and insurance with under $3k?
i really need a car to get around, i have full time job, n part-time student. It's getting to my nerves that whenever i need to go somewhere, i have to ask my brother or sister to take me. Yes i am a student 18 yo, i don't have much money, and my parents refuse to buy me a car, reason because my mom said insurance is too expensive, and she doesn't give a shitt about me. Do you think i could get it anywhere? i was thinking about buying the car 1st then insurance later on because i can't afford it. idk what should i do?""
Cheapest auto insurance. (perferably one I can apply for online)?
I bought a 2007 Nissan Sentra in New Mexico. I am 18 and my fiance is 23. What is the cheapest insurance you have found? I would be the primary driver.
erie homeowners insurance quote
erie homeowners insurance quote
What type of insurance is auto insurance?
http://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm out of all these types which is for auto? and if i wanted to work in a place that sells life insurance do i have to get certified for that too?
How i can buy repairable cars from insurance company's for start bus sines?
i want to start bus sines with insurance company's who sell cheap repairable cars
""Is $1,600 per year full coverage insurance good??? I'm 19?""
Hi guys, so I'm getting my mom's car in September. My insurance quote turned out to be $1,600 per year, or $133 per month. I'm 19 and I will be driving a 2005 Lexus ES 330. Is that insurance quote too expensive?? To little? Or around average. it's FULL COVERAGE insurance. Best answer gets 10 points!!!!!!!!!!!!!!!!!""
Falsifying Medical Insurance Papers?
My ex took my daughter to a dermatologist in California and he was to pay the bill. Come to find out his girlfriend works at the dermatologists office as the office manager and they lied on the paperwork they have you fill out. My ex used my insurance, my address and my last name and he changed his first name for the bill and then they had the bill sent to me!!! Is this not insurance fraud? My ex and his girlfriend are trying to open up an urgent care in California as well. Neither of them have a medical degree or background other than her running an office. How is this even possible when the falsify medical claims? Who do I report this to?""
How much will the insurance be on a 2007 Vauxhall corsa 1.2 sxi?
im 16 but driving soon. i might be getting a black corsa sxi for my first car on fiance. How much will the insurance be? its only insurance group 3
""In Florida, if I let my car insurance expire, will my drivers License get suspended?""
I am not in debt with the insurance company, but I just cannot afford to continue paying for the insurance right now. So what exactly would happen if I just let the insurance expire? Would I be fined, license suspended/revoked or what? I don't plan on driving the car without insurance, but I do need to be able to drive a car.""
How would insurance be on these cars?
first of all plz dont tell me call insurance or that im to young and dont need these cars and should get a camry. i just turned 17 and just got a job at In n Out and by my senior year in highschool which is after this summer i want to get a car and my parents would help me but everytime i ask them they say dont talk about it untill you have 2500$-_- so i was just wondering how much is insurance on these cars i have in mind, first, nissan 350z(any year) honda s2000(any year) mazda miata(1998-2004) and last a scion tc (2004-2008) the car will be under MY MOMS name and i will be put as an additional driver but not main driver or however you put it. can i just have the price ranges it doesnt have to be exact, if it help i live in califronia Orange county anaheim thanks guys""
Does a parking ticket effect my insurance rate?
I got a $25 ticket for parking in a illegal spot. I have the option to plead not guilty or pay the fee (I even have the option to pay online to avoid the crowd). My only concern is, when I pay for this penalty will it effect my insurance rate?""
Car insurance curious question?
On today i went to a car show in my area and when i was out their i seen alot of nice old school. As i was looking, i went to talk to a guy. he said invested 20,000 in his 89 chevy caprice. It had the Portable tvs, brand new engine and so on.. Then i was like man what if you wreck you vehicle, the insurance not going to pay for all that, besides you can get much for a 21 yr old car. He was like since he got full coverage and he happen to get into a accident and the car is total, he said the insurance company will reimburse him half of the money back on what he spent on the car. Is this true?""
How much will I have to pay mom for Insurance!?
Ok, my mom agreed with me to let me get on her car insurance because I'm under 25 and if I was to get my own insurance it would cost a fortune. She uses Drive Insurance through Progressive. She has a 2007 Ford Edge and I think she's paying 185/mth. I'm getting a 1999-2000 Pontiac Grand Am and I'm not getting full coverage insurance just half (I guess)..How much do YOU think it will cost for me? I live in Michigan if that helps.""
Cheap learner car insurance?
Cheapest place to get cheap learner car insurance?
Will my Car Rental include insurance?
I'm hiring a car in Texas from Avis, it says it Includes Unlimited mileage, CUSTOMER FAC FEE, TRANSPORTATION FEE, VEH LICENSE FEE, Additional Liability Insurance (ALI), Collision Damage Waiver (CDW) - does this mean I won't have to arrange my own car insurance (I live in the UK) to cover driving the hire car abroad?""
Car insurance in another state?
i was wondering if your car is register in one state can you get insurance on it in another state w/o registering it in that state?
Would owning a Honda Civic coupe increase my car insurance rates?
I'm 18 & planning to switch to a Honda Civic soon. I'm meaning to get a coupe, but I heard that my insurance rate would go sky-high just because it's a coupe. Is this true? & if so, by how much? Thanks.""
""Insurance rates for a 21 year old male, CA?""
I got my license when I was 19. I've been driving for two and a half years and barely found out I am not on my parents insurance. I was planning on buying a brand new car but I am now worried about insruance rates. I know they'll be high, but how high. I know insurance rates are based on age and experience. Is it likely I will be charged more because I have never been insured? Last time I checked for insurance I got calls for about 5 weeks straight. This time I don't want to give out any personal information. My question basically is will never previously having insurance before affect my rates?""
Can you name a place in so. California where I can purchase minimum legal auto liability insurance?
I would be greatly obliged if you didn't limit your answer to something like contact your insurance agent . For one, I don't have one yet, that's part of the problem. I currently have neither a car nor insurance. For my first car, I want to buy a car from one of the many people selling their used cars in my metropolitan area. But without insurance, I cannot drive the car home or even test drive it. I would like to buy the minimum liability insurance that is required by California law BEFORE I choose and buy a car so that way I can go to nearby cities test driving cars, and drive back the one I buy. I have tried shopping online for insurance. I went to all the insurance companies that are on TV plus several others. I came across two issues 1) they base the insurance on what type of car you have, and I do not know which one I am going to get yet, 2) they want to sign me up for complete car and driver's insurance, even though they claim to let me customize my plans. I do not qualify for the state liability insurance for low income drivers. Can you specifically name a place where I can walk in and purchase only auto liability insurance?""
2007 Cadillac Escalade Insurance Quote?
What would the Auto Insurance Price be on A 2007 Cadillac Escalade in 2013. A 17 Year old would be driving it? Liberty Mutual
How much would insurance cost for me if I have a Classic Camaro and I am a 16 year old male with State Farm?
I am thinking about getting a classic car. Probably a Camaro (year 1990 and lower). I have State Farm, and I am a 16 year old male. Anyone have a clue about how much insurance would cost? Thank you.""
Car insurance quote help.?
So this is personal, but I'm going to be emancipated soon or at least when I turn 18, and I'm going to be living in my car or possibly renting at a friends house for around $100. I'm not made of money, I only have a weekend part time job and another one possibly soon. I'm a full time high school student with a GPA of 2.6 and I'll turn 18 in November. I know that my GPA isn't stellar but last semester I made a 4.0 and this semester I'll have at least a 3.4. I can't get a STUPID QUOTE because I'm not 18 yet and I tried fibbing my age, but it was wise to me and shut me out anyway. I live in Marietta, GA (Cobb County), and I drive a 2000 Buick regal. If someone could run a quote for me I would be sooo greatful. Also, do you have to have an address to put down like a house to have car insurance? Thanks!""
Help with car insurance please?
Hello, I Live in the UK, I am 22 years old and I have a Kia picanto which is my everyday car. My girlfriend is the main driver and owner and I am a named driver on the policy. I have a Subaru Impreza which I want to use at weekends etc and only little use. Is there any sort of Insurance for this? Its a 1998 plate so don't think I qualify for classic cover. Basically I will do about 500 miles a year in the Subaru and can't afford the 4000 for the year. I know a lot of people will say just sell it etc etc. But I love the car and owned for the last year and do not want to sell. I just want a little help please. With the cost of petrol etc I no longer use the Subaru as everyday use as it gets me about 11 MPG and the Kia about 53 MPG and can't afford two full price premiums. So is there any temp weekend cover for the year or small use/classic kind of thing? Any advice will be very much appreciated. Kind Regards""
Cancer survivor getting health insurance or life insurance.?
I'm a childhood bone cancer survivor. I had osteosarcoma back in 1992 and had my leg amputated but the cancer never returned and the only issue after is I can't donate blood. I'm Canadian living in the province of Newfoundland. and while Canadian's have most of their health care covered though taxes most medications, private rooms, ambulance services, dental, and other services are not covered by all provinces. ( the big one for me is no coverage of prosthetic limbs) I was covered under my parents health insurance and will continue to be covered until I finish university. I'm also covered partly under my Fiance's work health insurance ( not very much) I'm getting married in 2010 and want to get some extra coverage for myself and any future family. I also want to get life insurance because I want my Fiance and family taken care of should any thing happen. The only other health concern I have is hypothyroidism. but I'm on medication which controls it and it's not serious. Can I get life and health insurance. any experience from other cancer survivors would be appreciated.""
For Massachusettes drivers-did anyone else's insurance skyrocket when the new rates came out last month?
with the new credit system my rate went up over $700 and I am not happy!!
Good Health Insurance for individual?
I'd like to know if there are any affordable health insurances that can cover, at least in most part, doctor visits, low cost prescriptions and sometimes specialist visits. I don't go to the doctor very often, I can spend a year or more without a visit but I still need the insurance. I have a part-time job which doesn't offer me any benefits so I'm on a budget when it comes to health insurance. I am still considered dependent but a family health plan is not an option at the moment. Any good health insurance that is affordable with a part time job in Florida?""
I need health insurance. I am 60 years old and live in Pa.?
There is no state program I qualify for, because I am on Social Security retirement. I need an affordable health plan which includes screening tests (MRI's, colonoscopies, blood ...show more""
""Insurance for 6 months, changes mid policy?""
I'm looking at buying insurance for a 6 month period, but 2 months into the period there will be a change that causes a significant price drop (3 points removed from my license and my birthday). Will they generally allow me to have my rate adjusted mid-policy? I'm talking of a price difference of about 100 a month, so I really want to see how I can make this work.""
erie homeowners insurance quote
erie homeowners insurance quote
How much does your car insurance cost?
How much does your car insurance cost?
What insurance companies in michigan allow exclusions?
I live in michigan and need to find an insurance company that will allow me to exclude people who live with me from being on my policy (otherwise my rates will double (possibly triple)) Esurance doesn't i know, but anyone know what ones do?""
How much is car insurance in the UK for a 21 year old? I'm being quoted 1000pnd/month!?
I'll be moving to the uk from the netherlands. I'll be getting a uk driver's license within 1 year as my current one is not exchangeable. I am very confused about the ridiculous high prices of car insurance in the uk. With 0 years no claim and full uk license for 1 year I'm getting a quote of over 1000 pounds a month!? How is this even possible? This is just liability insurance.
What's wrong with car insurance?
I am a safe driver. I've never had a car accident or ticket. As a consequence of my choices, I pay very low rates for car insurance. Other people I know have had accidents and many tickets, they pay a lot for car insurance. In this system, each person pays a different rate based on the consequences of their choices and actions. So what is wrong with this system? Why can't we use the exact same system for health insurance? If I eat right, exercise, and wash my hands then I will rarely get ill and should pay very low insurance rates. My neighbor eats junk food, smokes, and never exercises, has lots of medical issues and will for as long as he lives, shouldn't he pay a much higher rate for insurance? Why would anybody want a government system in which we will both pay the same rate? That is blatantly unfair to me since I make good choices and wont get sick as often. Furthermore, I have the choice of lots of different car insurance companies (Geico, Allstate, Nationwide, Progressive, etc.), this competition drives lower costs and better service. Why would I want to give up choice in favor of a monopoly? What is wrong with our car insurance system that somebody would not want the exact same system for our health care?""
Who hates Health Insurance?
On the infrequent occasions when I need to see a doctor, I pay cash. Which I'd have to do even if I had health insurance because of the ridiculously high deductibles. I dont even know why i have it. I pay too much money. A friend recommend me a pharmacy Online I will be trying that. They have very cheap prices. am sick of giving out my money. Do you guys think i will save money with Medicines mexico Online Pharmacy?""
""Got a cell phone ticket driving my friends car, will it raise her insurance rates?""
I was pulled over today by a cop. He gave me a yellow violation slip for using my cell phone. I was just checking traffic at a stop light! Ugh. Anyways, I was driving my friends car. And i'm trying to figure out if, my insurance rates will go up or will hers? Please help!!""
Insurance For a 1968 Ford Falcon?
Can anyone give me a serious quote of what the insurance would be for 16 year old driver on a 1968 Ford Falcon. Also what would be the quote for a 48 year old driver in Northeastern, Ohio.""
1965 Coupe mustang Inline 6?
I have a 65 mustang stick shift Inline 6. I am a 16 year old Girl & I wanna use it as a daily driver. How much would the insurance Be on this car? I really need to know. What would be the best insurance for it? Currently my daily driver in a 1956 Chevy Pick-up Truck which was in great condition but now it needs a paint job. Anyways, Does any one know how much the insurance will be?""
Are there any car insurance companies that wont force me to be on my parent's insurance policy?
I got my license 4 months ago and I have NEVER driven since getting it. Not even once. I don't drive. I ride the bus or my bicycle everywhere I go. I don't need car insurance. I don't want car insurance. I live with my parents and their insurance requires that they add me to their coverage simply because I have a license. Are there any insurance companies that don't require me to be on my parents' plan like this?
Im 18 year old male looking for cheap car insurance in UK?
just got the car and license. 1.2 ford fiesta 2004 price is the only factor for me as i will make no claims for the first year in any situation. the best so far is aviva. i have been reccomended several insurers who have given me ridicolous qoutes.. tesco..aa..elephant..all the pass plus ones and i am asking yot to tell me whos suit me! thanks
How much is your car insurance?
around how much would it be for a teen lets say?
Best car insurance company in 2013?
I am looking for a new car insurance company. My current one is charging me $2500/year for 2 cars.
Adding car to insurance policy?
I just bought a car from a local used car dealership, and they tried to have my insurance company (All-state) add the car to my policy. But All-state refused because i'm not the ...show more""
Auto insurance wont pay for damages?
I was involved in a bumper to bumper accident(at fault) in a borrowed car(my fathers) here in California. Now i get a call from the insurance that they wont pay for damages to the other vehicle because im not in the policy. Im not excluded from the policy either. My father only has liability insurance. Does the insurance has to pay for damages by law?
Where i can find the cheapest car insurance rates for my 18 year old daughter? What I've seen so far is 2 $$$$
Where i can find the cheapest car insurance rates for my 18 year old daughter? What I've seen so far is 2 $$$$
What is north carolinas cheapest car insurance company.?
What is north carolinas cheapest car insurance company.?
College student needing car insurance?
I live in MA i am in the process of leasing a hyundai elantra. but i need insurance. I cant use my parents policies because i bought the car myself. Does anyone know of any cheap car insurance companies?
Can somebody explain what term insurance means?
if you get term insurance for 10 years, can you get your money after 10 yearrs even if you didn't diie?""
What's the most you or anyone you know has ever paid for car insurance?
I'm asking cuz I now pay close to 400/month... It's like 396. - I have 3 accidents on my record (from like 2 1/2 years ago, only one was my fault). however I found out that all of them were listed on my insurance as my fault. Found out the insurance companies automatically assign fault unless you produce proof otherwise. Now one of them I got hit from behind, so that's easy to prove with police report. However, the other one guy ran red light and I hit his side. I think the police report has it as 50/50 fault since it really can't be proven either way, it's his word against mine who ran the light. Do you think I'll be able to fight that one??? I'm gonna go down to the police headquarters and get the police reports over the next few days, just wondering... Also how much would that actually save me? - My dad had a speeding ticket (90 in a 65) and he was listed as a second driver on my car, so that also brought it up. I'm going to remove him from my insurance since he rarely drives my car anymore, and has replaced his own car. - I have the defensive driving discount already. - I'm 26 years old female in NY. I drive less than 5 miles a day to work. And I drive a silver 2006 Saturn Ion in which I'm still making payments on, so I still have comprehensive. Based on all that, do you think I can find cheaper elsewhere. Where should I loook??? I feel like whenever I try to switch companies they give me a great rate on the phone, than all of a sudden after like a month or 2 being with them, my rates suddenly increase cuz they just found the accidents . I realize I don't have the greatest driver history in the world, but 400 just seems outrageous. I know people who pay less than that a year. I was thinking of selling my car, and getting a cheaper one w/ no payments on it, which would rid me not only of my car payment, but I wouldn't have to carry comprehensive anymore either. Problem is whatever I made from the car would have to go towards paying off the loan, and I would have no money to buy the new car... I feel so stuck, but I'm paying like 750/month between insurance/car payments, and I have a crappy job and can't afford it. Suggestions??? oh btw I use a local broker and autoone insurance""
""What is the average insurance rate for a 19 year old male in Austin, Tx?""
PLEASE give me an actual number, not just how I could find out and what important information I left out. I have had no accidents and an attending school and will be buying an average car. Thanks in advance""
What's a good short storyline for a car insurance commercial targeted for parents of teens?
OKAY! so i need a good storyline for a school project im doing! Im making a commercial with my friends with video. My topic is CAR INSURANCE and it is targeted at parents. Specifically Parents who have teens on there hands that are just about to drive! PLEASE HELP! thanksss!
Electric Car insurance and teen drivers.....?
How much does insurance go up if you add a 17 year old with a learner's permit to your plan. I live in Florida and have Electric Car Insurance.
Short-term insurance coverage and ACA?
Does anyone know if and/or how the Affordable Care Act (ACA) will affect short-term insurance coverage? My son currently does not have health insurance at work; therefore, he has been buying short-term coverage which can be purchased month by month, every 3 months, or 6 months. The downside is that after 12 months of consecutive coverage, he has to sit out for 2 months (no insurance coverage). Not ideal, I know but it's all he can afford at this point. It basically costs him less than $40 a month. Just wondering about this. I guess we don't know yet how much coverage will cost under the ACA?? Maybe he can afford something better once that takes effect.""
Cheapest car insurance in the tampa bay area?
It would be nice to get a human answer.
How much is car insurance for a 19 year old female in south carolina?
How much is car insurance for a 19 year old female in south carolina?
erie homeowners insurance quote
erie homeowners insurance quote
https://www.linkedin.com/pulse/homeowners-insurance-quote-online-yvonne-wesley/"
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lazytacomoon-blog · 6 years
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Can I cancel my car insurance at any time?
"Can I cancel my car insurance at any time?
I've been with Zurich car insurance for 1 year and 10months, insured on my mums car as named driver. The time has come to get myself a car on my own insurance. We pay the current insurance monthly. There are two months left on the current policy, is there normally any cancellation fee's? If so, ruffly how much should I be looking at? Also.. Would I have any NCB as I was named driver on the policy? Thanks.
BEST ANSWER:  Try this site where you can compare quotes: : http://freecarinsurance.xyz/index.html?src=tumblr 
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SO confused about this car insurance issue?
ok, due to being in the hospital giving birth, i missed a second payment on my car insurance in one term. i was told by my broker that was it, there was nothing i could do, they would cancel. my insurance company is ING. i said ok so what next? she told me on july 10th that they were sending out a registewred letter that day stating it was cancelled (my payment was late on june 25th). 2 wks later i had not received anything so i called my broker again. this was at 1 pm (they close at 4) and no one called me back. finally, i called back again, she called ING and called me back saying ok they said if you can pay it today it wont be cancelled (i had asked MULTIPLE times if this was an option, i was told no) by the time she told me that, it was 330 pm. I live a 1/2 drive away and by the time i got the baby together, went to the bank etc, it would be after their closing time so i couldnt do that. i contacted another broker who my mother deals with and he told me that they would send me my""
Insurance company won't let me upgrade to Fully Comp. Why not?
Hey Guys, I'm a new driver (23 yo) who has a 3rd party fire & theft policy under Kwik Fit Insurance. I went for this policy pretty much because it was the cheapest because I'd spent all my money on the car, haha! After a couple of months I've finally managed to sort my finances out and I'm ready to upgrade to fully comp. I drive around 30 miles a day to work and back and would just like that little extra knowledge that incase anything does happen. So I email KwikFit (who take 2 weeks to get back!!) to ask them what the deal is. How do I do this? To my dismay, I got the following email back: In response to your email, I can confirm that your policy can only be upgraded if you are making another permanent change to your policy eg a change of vehicle/address/driver, alternatively your policy would need to be replaced to another insurer. Are they within their rights to do this? Surely upgrading to fully comp means an extra wad of money from me monthly? Thanks :-)""
California unemployment insurance?
what is the fraction of wages that is given for employment insurance? 40%? more? less?
How to get cheap car insurance?
im 17, my mates have got theres for just over a thousand pounds, but all my quotes are 3 thousand plus, how can i make it cheaper? like by putting my mum as a driver or?""
Why would a small van be more expensive to insure than a car?
Im 24 and my partner is 27. we share a car and our insurance is 800 a year and looking at vans for our dogs. The normal small ford vans the cheapest insurance is 1,200. I thought a van would be a cheaper?""
What is the best insurance for teens in California who are just starting to drive??
What is the best insurance for teens in California who are just starting to drive??
What size engine should i get for cheap insurance?
It will be my first car, and i don't really want to be paying allot on insurance, but want a nice nippy little motor. So what size is cheap for insurance but not too small to be really really slow lol.""
Where can I find a comparative listing for auto insurance rates?
Where can I find a comparative listing for auto insurance rates?
Do I need to insure my car before getting a temporary registration?
recently purchased a used car that DOES require emissions testing. In my state (CT) the DMV offers 10-day temp. registration for vehicles that need testing Do I need to insure this car before I'll be eligible for the 10-day registration? I'd prefer not to insure a car that won't pass emissions because I won't be able to drive it, and I refuse to wait in line at the DMV for hours just for answers on this questions (their website gave very few specifics)""
How much would this car insurance cost?
say... a 17 year old with a V8 mustang.. how much per month/year do you think it'd be? assuming i got the cheapest deal i could
""Car insurance under dads name, but he doesn't have or use a car?
My dad just got a bill in the post for around 300 for car insurance However he doesn't drive a car nad hasn't for years and im sure its for my brothers girlfriends car but hes listed as the main driver or something will he have to pay the bill
How much would i pay for car Insurance?
How much would i pay for car Insurance for cheap car that cost me honda accord 2000,I am 25 Years old, never been in any accident,I got my license 7 years ago""
Insurance to volunteer at a clinic?
I was just offered an unpaid internship -type program through a veterinary clinic next to my university. I won't be getting paid and it will not help me with any credits, but it will provide me invaluable experience to get into vet school. However, they're requiring I get volunteer insurance (because it involves work with live animals) since I am an unpaid employee and will not be covered under them. How do I go about getting this? Thanks!""
Has anyone had a negative experience with Progressive Insurance Company?
Has anyone had a negative experience with Progressive Insurance Company?
Im looking for affordable health insurance?
we are looking for affordable health insurance my boyfriendd is in so much pain he can barley move his shoulder any answers areappreciateded thanks
Are all sportsbikes expensive on insurance?
im wanting to get either a 2007 kawasaki zx6r or honda cbr250r. im 18 but i plan on getting one at 19 or 20 and it will only be on insurance during the summers. so do you know if those are expensive on insurance? would it be less than a car like a honda or toyota?
""19, need affordable health insurance?""
I need to be more independent and get my own health insurance. I'm a full time student and my university offers a health insurance plan that costs a little under $2,000 per year but someone told me I should first look into plans available through the Affordable Care Act. How do I find an affordable plan right for me? I'm not even sure which professionals to ask about it..""
Any estimations on how much my car insurance will be? Uk.?
Im 17 in november, in gonna start to drive but i was wondering if anyone iceby ideas on how much my car insurance would be based on what i tell you. I live in the uk. I cant go on my parents insurance because they dont drive. In gonna get a 1.4 or 1.6 engine car. An thats all i can tell you, can anyone please have a rough estimation on prices?""
Car Insurance with Motorcycle NCB?
Hi all, I have been riding a motorbike for a few years and have a NCD with my bike insurer. I am wondering if anyone knows of any car insurance brokers that will take my motorbike NCB into consideration, as I have never driven a car before. I have been searching the net, and found that Direct Line insurance allows you to do this, but I'd like to shop around a bit more! Thanks in advance.""
NY registration insurance lapse 2 years ago?
I know I sound ridiculous. Over 2 years ago I moved, and left my car at a relatives with plates etc. Never turned them in. I don't believe I cancelled insurance either . I just moved back and would like to register and insure the car again. I checked my drivers license and it is valid with no suspensions or restrictions etc.. I went online to get a quote from the same insurance company and it seems like I could have signed up right now with a very reasonable quote. lucky or can I expect something else when I go to the DMV?""
How much do you pay for car insurance?
I'd like to know the insurance price for a 1.8 litre car, about 5 years old, driver being older than 26 years old, and no claims bonus not included, in different countries. In Ireland I get a quote about 1,200 Thanking you all in advance !!""
Cost of Car insurance for new driver 30yr old Female?
Hi am about to start lessons on learning to drive, and was wondering if anyone knows the cost it would be for car insurance for a new driver annually, car will probably be 1.4, I am female, 29/30 years old. Thanks""
Auto insurance premium higher than what was quoted to me?
I just received my auto insurance policy in the mail and the premium is almost $200/year more than what the agent quoted me! My husband's premium for his vehicle was exactly the same as what was quoted. Is this normal and what should I do? I've already emailed the agent asking why the huge difference but am still waiting on a response.
Whats the typical cost for teen auto insurance?
I know their isn't an exact number, but what the typical range. Lets say in my case that i'm 16 almost 17 and driving a 7 year X-Terra. How much would the typical range be in Texas?""
Insurance companies?
I was 18 when i had my first years insurance. The price for myself driving was in excess of 1500 and with 3 additional drivers it went down to 950. Now that i am looking for quotes for my second year insurane policy its the other way around. For myself its 700 and with 3 additional drivers its 1100 (approx). I really cant understand the insurance companies logic. Has this happend to you, or is it just me. I find that it is strange.....""
Can I cancel my car insurance at any time?
I've been with Zurich car insurance for 1 year and 10months, insured on my mums car as named driver. The time has come to get myself a car on my own insurance. We pay the current insurance monthly. There are two months left on the current policy, is there normally any cancellation fee's? If so, ruffly how much should I be looking at? Also.. Would I have any NCB as I was named driver on the policy? Thanks.
Insurance payments on a car?
Okay so to start off i am 16 as of today. I will get my permit today and in one year I will turn 17. I will then have my license. So when I turn 17 i will be able to buy my own car with a $5000 down payment with the choice of a car. But here is where I am stuck. I do not know too much on information on car insurance. I know that I will be under my parents policy from here until I am 17. Lets say that there is 5 of us under this car insurance, no one has a separate policy, all under one umbrella. What happens when I buy a car, I get insured with a new car, my own car, and still under the policy things with my family. How much is it going to be per month? Can you average it? Here is a list of cars I will choose from, and if you can, provide estimated prices per month I will have to pay. - (2008-2010) BMW 3 Series Sedan (No mods or extra horsepower, plain performance) - (2006-2011) Mazda RX-8 Coupe (same, no mods or any fancy performance stuff) - (2008-2011) Mazda 3 or MazdaSpeed3 (sedan) - (2008-2011) Volkswagen Jetta (sedan) - (2008-2011) Subaru Impreza (hatchback) Also I am an A-B student with an above 3.5 GPA Also I will take a drivers ed course at school""
How much will my insurance go up? D=?
There was a misunderstanding and my car skidded against a 2009 Cadillac i unno what and left a mark. It wasnt even my fault but i kinda afraid of the man so... D=
Do I need to be on the insurance to go to and from school in my friends car?
I am 16 years old and I have my drivers permit, is it legal to drive myself and my sister to and from school in my friends car without being on the insurance policy? its my friends dad car and I want to use it for school..""
Why is car insurance so expensive for me?
just passed my driving test this month and i checked how much car insurance would be for me and its 3000+ :'O when my younger female cousin passed she got her insurance for 900 on the same car!!! how can i get it cheaper? =[ im 17 male
Speeding ticket and car insurance?
I was wondering if you get a speeding ticket you get points on your license which means your insurance goes up. What if you don't have insurance. For example if its under your parents name but you get the ticket would their insurance go up even if its you don't have car insurance
Group health insurance?
how can i convince a company to avail a group health insurance? some people in the company that has a position don't believe in such thing. how can i get their thumbs up? specific reasons please... thanks!
How does insurance on a leased car work?
im getting my license soon and was wondering what the best and cheapest option in terms of buying, leasing or buying used is for me. im 16 so insurance is going to be high. i only need a car for 2 years, after that ill be in college and dont see a point in having a car. so i thought why not just lease a car, but i heard when you lease a car the insurance is high for it. my question is how does a lease work? is the insurance for it high already without me being 16 a factor? do you sign up with a dealership insurance or use your own plan? Thanks for the help""
Will i still be insured to drive a car that i took off my insurance policy yesterday?
I have bought a new car and changed my insurance over to that car, just yesterday. However i still have my other car for a day or so and was wondering is there any leeway when insurance is swapped over from car to car to still use my original car?""
Should we have socialist car insurance?
Is it unfair that people pay different amounts for their car insurance? Doesthis constitute discrimination against people who have to pay more? Should we socialise it so that we all pay the same rate? Why or why not? :-)
Is term life insurance better than whole life insurance ?
Someone on the radio said he didn't recommend whole life . Why is that ? I am 44 years old and am looking for around $50,000 coverage . What companies would be good for me ? Thanks for your help .""
Medicare or other affordable health insurance?
I live in NYC, just moved here and need to find relatively affordable health insurance. Up till now was covered by plans through employers. Is Medicare decent coverage? Is it very different from others?""
Buying a car need insurance help..?
ok. so heres the deal. im buying a used car with about 150K miles on it and its a '93 yr model. im 18 years old, and i only had my license for about a month. i need to know how much insurance is for someone my age and does the car being old and having a lot of milage on it effect the price of insurance? i want to get off my dad's insurance and have it on my own, cuz he wont tell me anything, he told me that i have to put like $2000 down just to get insurance....help please!!""
Please explain how universal life insurance works in details?
is it the same as variable insurance wherein you can increase or decrease your insurance coverage for the same premium or universal life have a fix premium for a given age and amount and if you want to increase your coverage, you just add a yearly term insurance?How do you increase its coverage? Will it affects the premium if you want additional coverage? I understand variable life insurance has a range of minimum to maximum coverages for a given premium, is it the same with universal life?please explain in details how the entire process works.""
What is the cheapest full coverage auto insurance?
anybody knows a company that offers cheap full coverage auto insurance, maybe about $80 or $90 for 2 vehicles?""
""Would insurance be more expensive for a Nissan Sentra, or a Ford Fiesta?""
I live in Pa, either car I get will be financed. I got an offer for the Sentra for 72 Months for $275 a month, and the lowest car insurance for that would be $180 so far for that. I did not yet go out to look for a Ford Fiesta, but from what I hear they are less expensive on car insurance. I aparently have til Monday to give the Dealers my decision before the deal drops which I highly doubt , I think they were just telling me that to pressure me into making a quicker decision/mistake. Please give me your advise. Can they really only give me a certain amout of time for the offer? They claimed it had to do with other customers possibly taking any of the money toward loans from the banks... I am new at this stuff and what is more expensive to have insurance on?""
Do I have to tell insurance about my ticket?
I got a speeding ticket about a year ago. My question is I'm trying to get an insurance quote, do I have to tell them about my ticket even though I went to traffic school and did not effect my current insurance rates? Thanks!""
What kind of insurance would i get for a honda cbr 600 (im 16)?
im moving out to california after highschool to pursue the music industry so i figured it might pay for itself in gas money, but then i started to think about insurance...""
Which would be a better place to sell auto insurance Arizona or Dallas?
Which would be a better place to sell auto insurance Arizona or Dallas?
Wife is pregnant and we have no insurance?
Hi everyone. Just found out last night that the wife's 7 weeks pregnant (yay!) but we don't have health insurance (boo!). I live in California and was told there is something called Medi-Cal (?) that helps people who are low-income and don't have health insurance in their pregnancy needs but I don't know if I qualify. My gross monthly income is $3000. Also, if I don't qualify I heard there is a low cost insurance called AIM? Anybody who's ever had dealings with Medi-cal or AIM your pointers and experience will be muchly appreciated!! Thanks! Excited but scared of becoming a daddy!! AHHHH!!!""
Do any states not require car insurance by law?
Looking for a state that does not require me to have car insurance.
What are some some affordable car insurances?
I am currently with State Farm and pay about $90/mo. I would like to switch to another ins. compay with prices around the same. I'm 24 with a clean driving record. So without giving out all my info, what car insurance do you have or know of?""
""Cheap car insurance for a 17 year old, impossible?""
I need insurance for a job & i can't afford insurance.. So expensive atm, last year was about 1700 now its 4000 for 1L? What they playing at, anyone insured anyone recently with cheap car insurance at 17, i don't want to know why it is expensive thanks!""
What things can a teen do to help lower the cost of car insurance?
I'm sixteen and seventh months, and plan on getting my license in about two months. But money is a little tight now at my house, and when my brother got his license on his sixteenth birthday (two years ago) the car insurance my parents pay for jumped an extra 1200 dollars a year. So what can a teen do to lower the cost? IE; what type of car should I be driving, the best time to get my license, etc. I'm willing to hear any ideas. :) Oh and if it means anything, my parents are with State Farm. Thanks in advance for the help.""
Optional insurance from Hertz in USA?
Hello, I'm from Australia and will be renting a car from Hertz in Los Angeles. Included in my hire charges is: - Airport concession fee recovery - Loss Damage Waiver - Taxes - Liability Insurance Supplement - Vehicle license fee recovery - Customer Facility Charge - MISCELLANEOUS LOCATION TAX - California Tourism Commission Assessment - Unlimited Free Miles I've previously been duped into buying extra insurance or unnecessary insurance. I'm told this is not included: - Personal Accident Insurance / Personal Effects Coverage - PREMIUM EMERGENCY ROADSIDE SERVICE Can someone help? Do I require these extra insurance options? What do they actually cover? Thanks!""
How much would i pay for insurance?
I want to buy an 2010 Nissan Cube, around 14,000 new and im 17, living in Ct. I was wondering how much i would pay for insurance, if its too much what other car should i get, i want to get a new car so can any one help me, my grades aren't too good, i would pay for it my self and i can afford about 150 a month since ill be paying 184 a month for the car with 60 months and 3000 down.""
Can I cancel my car insurance at any time?
I've been with Zurich car insurance for 1 year and 10months, insured on my mums car as named driver. The time has come to get myself a car on my own insurance. We pay the current insurance monthly. There are two months left on the current policy, is there normally any cancellation fee's? If so, ruffly how much should I be looking at? Also.. Would I have any NCB as I was named driver on the policy? Thanks.
Car insurance and international driver's license?
Hi, I'd like to know if it's possible to get car insurance and buy a car in the USA if you don't have an American driver's license... I only have a French driver's license and an international driver's license. Could you please also tell me how much does car insurance approximately cost for 1 year? Thank you very much in advance.""
How much would my auto insurance be? read details?
I'm a 16 year old male. i live in a small town (25000). I would use the car to drive to school and sports activities. It would be a red 1994 pontiac firebird. 350 5.7L LT1. Its a coupe and a v8. i would be on my family's auto plan with my mom, dad, and brother. so how much do you think it would cost to add me to it?""
Do I need my car to put insurance on it?
My car got impounded last night and I need to register the car in my name in order to put insurance on it, Im going to the DMV Monday morning to register it then head over to put insurance on it but need help on knowing whether I do need my car with me. Do i need My Car to register it and put basic cheap insurance on it too? Please let me know. My state is California. & i do have a valid driver license too. Thank you :)""
I knocked someones car but he claimed for a lot more and now my insurance has gone from 400 to 900 - help!!?
Back in June I knocked into a stationary vehicle in a car park. I waited for the guy to come back and apologised straight away. (when its your fault in life own up) He was initially annoyed (fair enough) but went on to tell me that someone else had knocked into his car recently and caused 600 worth of damage (the other driver had sped off and hed already had a quote for the work). I cant remember the exact wording of the next bit - but it was understood that I would pay whatever it cost on top of that to fix the area (bumper / side corner area) We exchanged details. I told my insurance company what had happened and the previous damage. There were also photos taken at the time that I forwarded on (not sure if they were actually any help) Next I hear his insurance company has approached mine with a bill for 700. The total amount for fixing his car. I brought up the matter of the previous damage - couple of conversations between insurance companies - his asking him directly if there was any previous damage and him saying no. I told my insurance company that there was a friend with me (we were walking our dogs in the park) who had heard the whole conversation - in fact she was the one that took the pictures. She is a responsible, respectable person who was happy to make a statement. I was told by the insurance company that as it was someone who knew me - they couldnt be seen as an impartial person and they ended up paying the whole amount to his insurance company. I have just received my new insurance quote. Last year it was 437 and now that I have lost my 3 years no claims bonus (I have been driving for much longer but have only owned a small van for 3 years (practicality for my dogs muddy feet) and insurance starts again for vans) but I also have this 700 fault against my name this year. My insurance quote is now 960. Is there anything I can do. Does anyone have advice for any further action I can take? I believe in taking responsibility for your actions - but I am being cheated here out of a lot of money and I dont know what to do. If 100 was down to me then I could have just paid that amount directly and not lost my no claims bonus. But as it stands it will cost me around 500 this year and more again on the consequent years of insurance. Sorry for this being a long one but I really am lost. My insurance is due on 7th Jan.""
Life Insurance question?
I have a non-prefer smoking policy life insurance but on the present I smoke .what could happen if in case I die? will my insurance still cover my family?
Cheap dental insurance?
hello, im looking for cheap dental insurance and i live in florida, anyone know.............???""
Car Insurance for teens?
How much would it cost monthly for a teenage girl? You don't have to be exact but make an estimate.
What does 'replacement cost' mean in hazard insurance?
I want to get a mortgage to buy a house. The lender requires hazard insurance at 'replacement cost' basis. I understand the lenders interest in recovering the mortgage, in ...mostrar ms""
Car insurance black box (auto saints)?
I am going to have my car insured with a black box soon from auto saints, because it's much cheaper than any other insurance that I have looked at. My question is, after the second year does the insurance go down a lot with a years of no claims bonus (my friends say it doesn't) . So is it worth it? and do I have to keep the black box for the second year as well or is worth it changing insurance company after the second year?""
Can I cancel my fathers car insurance?
He went on a business trip and it was supposed to be for 2 months but it turned out they wanted him to stay a couple months longer. He told me to cancel his insurance so If I return the plates to the DMV in NY with the receipt can I cancel his insurance?
Basic Life Insurance?
Maybe someone can give explanation what the meaning for Basic Life Insurance? He gets Basic life insurance and Basic life insurance * as Employer Paid Benefits.what's really Basic life insurance and when one employee terminated because get sick is an employee still get Basic life insurance although He didn't work anymore. Thank you for give the information.
How much does health insurance in the UK cost on average?
Btw, I live in the UK, I know we have the NHS, but my Aunty has health insurance as part of her benefits package at work and she says private healthcare is way better than the NHS. So I'm just wondering how much health insurance costs on average in the UK?""
How much would Safe Auto basic liability insurance be for my 2000 ford focus?
I need a basic/ cheap insurance.. i'm a college student that's all i can afford so please no LECTURES... I just need an answer THANKS :)
Car insurance confusion?
Ok, I'm 17 and I just moved to Florida with my 18-year-old boyfriend. He just got his license suspended so in a few days I'm going to get my first license here in Florida because I have a job to get to. (I've had my NC learner's permit for over a year) My question is basically, what are my options for car insurance? Can I have my own policy or is my only option to be put on his insurance? Please help!""
How much would insurance cost for a 1990 Toyota Corolla?
I'm 17, it's my first car.""
""I'm about to take my driving test & want to buy a new car, any recommendations for cheap purchase & insurance?""
I'm about to take my driving test & want to buy a new car, any recommendations for cheap purchase & insurance?""
Do you like or dislike 21st Century auto insurance?
A long time ago, when they were named 20th Century, their rates seemed competitive. Does anyone reading this have their insurance now? What advantages do they have, that would make you choose them over other insurance companies?""
How much will it cost to insure my house cleaning business?
How much will it cost to insure and bond my house cleaning business? I have been running it solo for the last 6 months so I didn't to get bonded or anything, but I will be hiring 2-3 employees within the next month. How much can I expect the insurance and the bond to cost? And, for extra credit, what is the best type of insurance to get? I run it out of my home, if that makes a difference.""
What health insurance will cover people with diabetes?
I have type 1 diabetes and i need affordable health insurance so if you have any inforomation I highly appericate it
Primary and Secondary Health Insurance?
This has been a big complication for a few months, but back in October of 2008, I had a physical exam and my provider billed, what I assumed at the time, my primary insurance company (Horizon NJ Health). However, two years later, Horizon took back that money and my provider has been billing me for that physical back in 2008. I called Horizon and apparently they took back the money because I had another health insurance, and Horizon was no longer my primary. I had not known about my other health insurance company, Aetna student health care, since they never gave me any information or membership details, and I was automatically enrolled for it when I entered my university. When I contacted Aetna, they told me that they weren't the primary insurance company because they were just student health care. After several phone calls back and forth between Aetna and Horizon... I STILL haven't figured out who my primary insurance company is since they both claim to be the secondary insurance (and they seem to have endless reasons why the other is primary). I contacted my provider and asked them who they have listed as my primary, and they seem to be clueless about it too (when I spoke to the receptionist and asked, they kinda changed the topic). Is it possible to have two secondary insurance? If not, who should be my primary insurance? If Horizon is my primary, doesn't that mean they shouldn't have taken the money back for the physical exam?""
Can I have Illinois Insurance if I live in Florida AND Illinois?
So my parents are divorced but have dual custody. I live with my mother in Florida but I frequently visit Illinois to see my father and I can whenever I want. I've been driving for 8 months now, registered and insured in Illinois because my mother also used to live in Illinois (they moved about a month ago). But I sold my car to move to Florida and buy one there. Now, I bought a car down here but I would like to register and insure the car with my father in Chicago. My license has my father's current address, so it would be a lot simpler and cheaper to have my car registered and insured in Chicago because I already have my plates, license and insurance policy set up. My question is, could I keep my car down here with Illinois plates and insurance legally? I will go back home to visit my father with it maybe twice a year""
""Auto insurance cancelled today, can I go to new company?""
I just got a new car a few months ago and was paying $325 a MONTH for my insurance. Way too expensive. I want to cancel and go to another company (nationwide or all-state) where I was quoted $195 a month. I dont have the money to pay the current insurance $325 for the month, then cancel it (which adds another $90 or so for cancellation fee), and THEN open a new policy with another company for $195. Thats $615 just to switch insurance companies! So, I let my current insurance lapse and it was cancelled as of last night for non-payment. Now, can I open up the new insurance with another company today, then pay off the old insurance in a couple weeks?""
Taking new car home with no insurance?
So the car is in my Moms name and she has insurance, but she has to drive her car home, meaning I have to drive the other one. I don't have insurance, but we are getting GAP insurance. Is this safe? If I damage the car are we covered?""
How come they want this much for car insurance??
My brothers leasing a 2013 Buick Regal GS, They want $1900 a year from him for full coverage. They want $2000 from my dad a year ONE WAY for a 2008 jeep commander v6.. Both with perfect insurance records no tickets.""
Democrats: So will there be fine for not having health insurance or not?
When I asked this question just yesterday, Democrats assured me there wouldn't be ANY fine for not having health insurance - it was an OPTION.""
Can I cancel my car insurance at any time?
I've been with Zurich car insurance for 1 year and 10months, insured on my mums car as named driver. The time has come to get myself a car on my own insurance. We pay the current insurance monthly. There are two months left on the current policy, is there normally any cancellation fee's? If so, ruffly how much should I be looking at? Also.. Would I have any NCB as I was named driver on the policy? Thanks.
What is the cheapest motorcycle insurance in the uk?
What is the cheapest motorcycle insurance in the uk?
Whats the best and cheaper insurance auto company in England?
Whats the best and cheaper insurance auto company in England?
What is the best cheap car insurance for a 19 year old?
need cheap good car insurance
Car insurance young driver need help???
need my insurance to be 1500 or less ....any insurers would be a great help a few months ago a had a 1000 quote fully comp now i cant get lower than 2000. need help.
""What is the lowest, best Liability auto Insurance in California ?
I just got a Pt Cruiser that car dealership if offering 70.00 to insure the car however I do need liability insurance any one know of a good web site were I can compare some quotes instead of calling around or talking to a pushy insurance agent ?
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My father in Dallas Texas has a life insurnace face value of 10,000 and cash value, about 3500. Per medicaid rule he can't have the life insurance with those cash value. He is not on medicaid yet but with his condition of alzheimer, he soon needs to apply for medicaid. Any idea what needs to be done for the life insurance?...I am not sure if he can simply cancel the insurance to meet the medicaid requirement. He has no other asset and has less than 2000 in his bank account. Of course he does not work. ( he can't with his condition and he's over 70).""
What are typically the cheapest auto insurance company in Massachusetts?
I currently am with MetLife but they increased charges this year, so I'm looking to change the company. Any suggestions to cheaper auto insurance? Thanks!""
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Hi I am in need of Individual Health Insurance with Maternity Coverage, but not with Anthem BCBS. Do you know of a company that provides what I am looking for? I know there is a ...show more""
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Hi , I'm planning to get a Mustang v6 premium 2014, I'm an international student with 3.7 GPA in High-school I have a clean record even in my country ( no accidents or tickets ) I know it's not possible to get a real accurate estimate but what I want to know if it would exceed 200$ a month ?""
Car insurance please answer urgent?!?
my dad recently gave me a car and it is insured but my name is not on the policy. he said the insurance guy told him anyone who drove the car was insured. if this is true am i insured even though i'm a minor? thanks in advance to anyone who answers
How much does credit affect the amount paid for car insurance?
How much does credit affect the amount paid for car insurance?
How much would my car insurance cost?
im 16 years old and i have a job i have 2 grand saved up in the bank and my gpa is about 2,6 would it really be expensive or not the car i am drving is a 93 honda acorrd""
How much would motorcycle insurance be for a 19 year old male in NY.?
If i am a 19 year old male and have insurance on my car and i have no tickets and one small accident that was my fault over a year ago how much would it be to add a motorcycle to this insurance, but im only getting as much insurance coverage that is required. I will not be getting collision or anything as bike as fairly old and if it gets recked i wont fix it. If you arent completely sure speculate as to how much you think it would be, any info helps.""
Can a 17 year old get their own medical coverage in California?
I'm 17 and live in California. I was wondering if I am legally allowed to sign up for my own medical insurance, like through MediCal or something, and not through my parents. It's a long story, but neither of my parents are able to provide medical coverage for me. And I'm not emancipated or anything. 10 points best answer. thank you ( :""
Life insurance question?
Y do insurance companies call it life insurance? aint like we can insure our life and decide when we wanna die. it should be called death insurance since we cant use it until after we die. even then we dont get to enjoy the money that we paid into it.
Do I need rental car insurance?
I'm going to be renting/leasing a car from Avis for around 6 months while traveling for work. Will my current auto insurance be enough or should I take out a separate policy on the rental car itself? I really can't afford to take the insurance from Avis so I'm trying to find the next best option that will keep me well protected on the road.
""I live in St. Louis, MO and am a 20 year old male. I was looking for the cheapest auto insurance possible?
I will be getting either a 04' Grand Prix or a 03/04 Monte Carlo and I might have to get full coverage insurance. What company has the cheapest auto insurance. Like around $100 bucks or a little more?
Why is barebones insurance for me going to be...?
...$150 a month for a 1985 gmc s15 4x4, valued at approx. $200 with the very basic coverage, liability only type thing. i have a 2002 chevy s10 2wd and its only $350 a month with total coverage. what the heck?! im 18, have a couple traffic violations but nothing serious (22km/h over the limit and an amended stunting ticket), i live on my own, have a steady job, and am looking for something that i can get stuck in the mud and dont give a crap about. any one know where i can go to get really cheap insurance for this? i live in alberta so it limits my choices a little from the world wide options. thanks everybody""
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I'm under my dad's insurance now (AAA).. it's his and my car on his policy. I was told by them that once I cancel it, it'll take effect immediately and be taken off the policy. I'm moving to CO on the 18th of next month and want my new insurance (USAA) to take effect on that day. If I start my policy for that day and cancel the AAA the same day, will AAA pro-rate June's insurance so I don't have to pay for the full month since my car won't be insured by them for that whole month? I just don't want to get stuck paying the bill twice in one month for both companies.""
Laddies. Is there any good Health Insurance that is not that expensive?
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""17 year old learner, got my own car - Do I just need learner insurance for now?
I'm a learner driver with my test next month and I now have my own car. I want to practice in my own car up until my test and I'm not sure whether I just need learner insurance or if the car itself needs to be insured as well? Learner insurance is around 80 for the month and for 'proper' insurance then it's around 2000. Any help?
Where can I find the cheapest auto Insurance in NJ?
I trying to find insurance that is not expensive does anyone know where I can go to get this?
How much is car insurance for a 17 year old female?
im 17 and would love to buy myself a car but i worry about the insurance. i am thinking of buying a used 1998 jeep grand cherokee, its a really good price but i dont want to go and buy the car if insurance is way to expensive. any ideas on how much insurance would cost. if it counts i do get good grades in school.""
How to get a job as a finance & insurance manager?
I am currently a Finance Student, and new car salesman... It seems you never see F&I jobs advertized and when you do they always want people with experience in F&I... How does one get a start in F&I other than being promoted from sales, which wouldn't happen until a vacancy arises?""
Whats a good cheap health insurance for a college student?
Whats a good cheap health insurance for a college student?
Can I cancel my car insurance at any time?
I've been with Zurich car insurance for 1 year and 10months, insured on my mums car as named driver. The time has come to get myself a car on my own insurance. We pay the current insurance monthly. There are two months left on the current policy, is there normally any cancellation fee's? If so, ruffly how much should I be looking at? Also.. Would I have any NCB as I was named driver on the policy? Thanks.
https://www.linkedin.com/pulse/unison-car-insurance-quotes-aaron-hoffman/"
0 notes
What’s the average cost of car insurance for a 20 year old male?
"What's the average cost of car insurance for a 20 year old male?
I'm shopping around for car insurance and I'm trying to get an idea of what's average. I'm a 20 year old male living in Florida with no points on my license.
BEST ANSWER:  Try this site where you can compare quotes: : http://salecarinsurance.xyz/index.html?src=tumblr 
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I have recently had a medical issue and went to the ER. One visit racked me up over $2,000 of bills that I obviously can not pay. Now I am looking at options for health insurance, but ...show more""
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Hey there guys- Recently I have begun to look for a car (my first, as I am a new driver), and have a question for the more experienced. I have been looking at things like '04 Jettas, Audi A4's, Infiniti G35's, and the like. I understand that my age, gender (male), and lack of experience are going to directly affect the price of the insurance. But my question is, what will be the price difference between something like an '04 Volkswagen Jetta and an 04' Audi A4? Both seem to be in the same category of sedan, but I suppose Audis have a little more reputation for being sporty. Suppose there is not significant performance difference between the cars, they are both valued roughly the same, and have roughly the same mileage, what will the difference in insurance rates be and why? Is it possible to give me a rough idea of what I could expect? Thanks in advance!""
What's the average cost of car insurance for a 20 year old male?
I'm shopping around for car insurance and I'm trying to get an idea of what's average. I'm a 20 year old male living in Florida with no points on my license.
How to get insurance in your name?
If my son obtains a loan for a truck that is for me how can I get the insurance in my name and under my own insurance.My son insurance would be too high with his age and I will be the only driver.
How can I get health insurance? How much would it be?
I'm 20 years old. I been supporting my self since 17. So I do not have a lot of money. I go to college and work part time at restaurant. I'm a permanent resident and I live in California. I been having a lot of problems lately and I suffer to come up with money to pay for it. For example: wisdom teeth, filling, dry eyes symptom, scar in my eyes, back pain, headache and now I have hundred of millias on my face and I don't have money to go see dermatologist. I want to get a health insurance but I don't know anything about it. I don't know how to get it, which one to get? How much I have to pay a month? Does it cover everything like dental, chiropractor, dermatologist? My parents are in different country and I work at a restaurant so I don't get health care benefit. I could only afford $50 a month. Is there any health insurance out there that is around that price? Please help!""
What's the best health insurance company for a self employed family?
Self Employed. In Georgia. What's the most cost effective company that pays great? Thanks
What do I need to apply for an individual health insurance?
what do I need to apply for an individual health insurance? Which one do you have? I don't know too much about it, I just need an insurance that can cover a family doctor and that can cover exams like blood test, prescriptions in case I need""
What is cheaper in car insurance...?
An old fiat punto or a new fiat punto
What is the best auto insurance in georgia?
What is the best auto insurance in georgia?
Car Insurance Question (sorry I know nothing about cars...)?
Sorry, Im new to all this so excuse the stupid question but Im starting driving lessons soon and am looking to get a car in the new year. Im just wondering HOW OFTEN do you make car insurance payments? As in once a year or is it a monthly thing? I just did one of the online get a quote thingys and it said around 350 which sounds grand if its yearly but steep if thats a monthly payment. Lolli""
""What is the average price of Nissan Micra and Tiida (including tax,insurance,etc...) in India?""
What is the average price of Nissan Micra and Tiida (including tax,insurance,etc...) in India?""
Where can I get motorcycle insurance in Ontario?
What website can I get motorcycle insurance in Ontario for a SPORT BIKE. Thanks
What car has the cheapest insurance for a first time driver?
i have looked at a few cars and atm i think a corsa 1.0 is one of the cheapest i know that i will need to get a 1.0 but does any1 know any other 1.0 litre cars that are decent so i can compare??
""Looking for a good first car, one with low insurance rates preferably?""
I just turned 16 and am currently in the market to buy a car. I am looking for something in the price range of around $2,000, possibly a small four cylinder pick up, or a japanese sedan. Does anyone have any sugestions for a good first car, and if any one has expeiriance with insurance can you tell me a price range of what I would be looking at for isurance, I have good grades and looking for a minnimum policy in Florida. Thanks if anyone can help me although I know I probably wont get much help with the insurance part.""
Are annuities good for young people?
Does anyone know if annuiites are good for young people, like in their late 20's. Starting a family and reading about many investment options. It seems like we've only heard about annuities for older or almost retired people, but with new prods that guarantee 7% yearly if your investments don't make that much...seems it's not a bad thing to add to a portfolio.""
New car for 16 year old. Insurance question?
So I'm 16 and my parents are buying me a 2009-2010 Honda Civic EX-L.
Who is the head of the Texas Department of Insurance?
I need to know who the head of the Texas Department of Insurance, whether he/she is elected by the public or appointed and if he/she is a republican or a democrat. General Contact information would also help.""
What IS affordable health care? How much does it cost?
All these questions are answered in insurance policies today, but with this bill, we are asked to support it without any of this information. How is that fair or just? Am I just to accept that the government will determine for me how much I am expected to pay and STILL support it?""
I'm wondering how much other 24 ish year olds pay on car insurance?
I've been riding a bike for years... by motorbike insurance is now 150 a year, I just put what i thought was a normal car into a qoute and it was 130 a month... Is that high? Any idea what might be the biggest effect on that? So answers: I'd like to know what people pay on things + any advice on types of car or things to do to get it down.""
What kind of insurance do I need?
I know nothing about insurance and this past year I've had a few problems which I paid straight out of my pocket. Needless to say it sucked horribly, thankfully my parents were generous enough to help me :) I now need insurance and its almost March 31st. I have a bad habit of procrastinating haha. So I know NOTHING about how insurance works etc. What is Obama care? healthcare.gov? medicaid? covered california? (I live in LA) I dont need Health Care (healthcare.gov) to get insurance like Blue Cross or Anthem right? Why are people paying for healthcare PLUS whatever insurance agency they get like Blue Cross. I currently have NO income, and I havent worked for a year so no taxes lol. I know health care helps with something that involves taxes. I'd like to get insurance and I heard that Medicaid is good for people with no income, but I'm going to have a small income soon. Do I need to contact healthcare.gov or medicaid or coveredca to get insurance with Blue Cross? What do you folks recommend? HELP!!!!! What is the March 31st deadline for? Do I just need to apply by then? And is that deadline for just healthcare/medicaid/coveredca or is it for the actual insurance company like Blue Cross? I'm so confused... Btw, I'm male, 23, live in Cali, currently no income. Thanks folks! :D""
How much would my car insurance be?
I'm 21 years old male and I live in NJ. I'm thinking about buying a used car and financing it. I was looking at GEICO website and the quote came out to about $1600/year for 2000 honda S2000. I was wondering if that amount is right. I selected collision and comprehensive coverage along with all the other coverage options. I thought full coverage would be much more expensive like $3000 but that is so low. So I was wondering if that amount is right. (I live in NJ with my uncle and my parents live in massachusetts)
""Cheap car insurance companies for a 18 yo girl, in the UK?""
I have been driving for over a year now, and need to renew my car insurance. Do anyone know of any cheap company's? I am finding it very difficult! I even have 1 years no claim. Please help me!! Thanks""
What is the basic kind of insurance required by California Law?
What kind of insurance covers something like another driver hitting your car door, and then driving off before you could get their license plate # what is comprehensive , and what is collision, ?""
Insurance on a car lease?
My insurance guy gave me below basic coverage on a lease which requires something like 100,000/300,000/100,000 but he did basic full coverage(something cheaper like 10/20/10) In the contract it states i must have 100/300/100 as the requirement but the insurance guy who does insurance for a lot of people says lower coverage should work. I just added it on and it's fine, so the insurance (progressive) sent me a letter saying I have to pay extra for adding a 3rd vehicle but nothing about the coverage amount. Will they later require I add more coverage? I don't see why I need 300k on a car that costs only 40 grand. people drive around with PIP 10/20/10 and that's good enough for the state. I have an excellent driving record with 0 accidents and have been driving for about 10 years. I realize I have ****ty insurance but insurance is a huge rip off so I want to spend as little as possible and deal with accidents out of my own pocket.""
Can one not tell the truth when getting a car insurance quote?
i got a violation on a previous occasion, and i can get like 40$ off with not telling them this, will it cause problems? also where can i get some accurate insurance quotes for my car?""
""Who has the most lenient car insurance? Husband has points on his license from speeding, need cheap coverage.?""
Who has the most lenient car insurance? Husband has points on his license from speeding, need cheap coverage.?""
Can a 17 yr old get there own dental insurance?
Can a 17 yr old get there own dental insurance?
Cheap car insurance in london.name of company ? please?
Cheap car insurance in london.name of company ? please?
What's the average cost of car insurance for a 20 year old male?
I'm shopping around for car insurance and I'm trying to get an idea of what's average. I'm a 20 year old male living in Florida with no points on my license.
Would abortion be commonplace and covered by insurance if men got pregnant?
I think it would be.
What does the insurance company require to insure property?
What does the insurance company require to insure property?
Full coverage w/ state farm and gap insurance?
I just bought a CR-V. I have full coverage w/ State Farm. I bought Gap insurance for 287 at the dealership. I thought this was a good buy. My dad says that since I have full ...show more
Insurance rates go up?
I sideswiped a car and busted their taillight, if I report it to my insurance instead of paying it myself about how much would my monthly rate go up? I'm an 18 year old guy.""
Why should someone who is say 40 get cheaper car insurance than a 17 year old?
If for instance they passed on the same day, why should a 17 year be categorised as less responsible than a 40 year old in terms of driving ability? Particularly when chances are due to the insurance gaps and most probably the earnings of these two hypothetical people the 40 year old would be able to afford a more powerful car...""
How much is the insurance premium on a motorcycle 125cc?
Male, 18, Passenger car probationary licence suspended once on 2 accounts of speeding Preferably in Quebec, Canada""
Can I drive with my moms insurance?
Can I drive my moms car with her insurance with her in the car with me. Without being added onto her insurance policy?
6 month or Year car insurance?
Which one of these is more desirable? Seems like the year car insurance premium is higher than the 6 month. Also, how do you cancel a policy and get a policy with a new insurer without hurting your credit?""
Recovery/treatment dates for disability insurance?
If someone was never treated for borderline hypertension, they just controlled it with diet without any input from a doctor, what can be used as recovery and last treatment dates? Could it be when the patient's current physician first had their blood pressure measured and it was normal?""
Insurance when you die?
If I kill myself will I get insurance ? I dont care about money I am already well off but just curious about insurance , too early to call my insurer or go look at the doc, to depressed""
Average motorcycle insurance?
I'm 22 and I pay right at 100 a month for insurance. How much does a regular sports bike cost to add insurance on? I know it depends on the bike but for like a GSXR 600.
What is the cheapest classic car insure for 17 year olds?
looking to insure my ford fiesta L 1981, but unsure on the best classic car insurer""
Car insurance?
I have hear that car insurance can be a little cheaper if its a 4 door. Is this true? I have a son getting ready to drive and I was wondering.
Will my health insurance change?
im 21 and still in college in mass, if i move out of my house into an apartment will i lose my fathers health insurance?""
Why are car insurance companies trying to make me go bankrupt?
Okay, this is extremely frustrating. I'm a 19 year old student, who works part time. I have all-state insurance full coverage, and I drive a 2001 toyota tacoma, which is paid off. And guess how much Allstate charges me every 6 months? $750!!!!!!!!!!!! That is absolutely ridiculous. These son of a bitches are totally ridiculous charging me that. I've never had a ticket, never been in an accident. And I don't care if i'm 19 that price is absolutely absurd for that car. I'm almost at the point where I just wanna go illegal and drive without insurance. I'm looking sleep every night over this I mean seriously do they think a 19 year old college student is made of money. And the funny thing is it's under my parents policy and its this much!!!""
Where can i find cheap car insurance on a honda civic type r?
im 23 and these will be my first car im driving...i will put my dad name as the main driver his 53..jus need 2find really cheap car insurance
Best car insurance companies...?
I am 18 and need to acquire insurance ... what are the best deals around?' I live in California ... Thanks!
Can you get in trouble for letting someone drive your car without insurance?
I own a car. I just bought it. I don't have the title in my name yet, nor is there any insurance on the vehicle in any ones name. If I let someone else drive my car and they get pulled over, who is liable? Will the person driving the car get in trouble for driving without insurance or will I get in trouble for allowing someone else driving it knowing its not insured nor is the title in my name?""
Should I report my car accident to my insurance company?
It was actaully me rear ending her car on my motorcycle. We exchanged insurance info so I know whe is going to report, but do I have to report it also? My bike was just scratched on the cheap plastic part and I only have liability. I know my insurance will go up either way""
Motorcycle insurance question?
I recently had an accident on my 2003 Harley Davidson. It is essentially totaled. How much on average will my insurance cover. I have relatively good insurance. Just wondering what you thought.
Who is responsible for homeowners insurance?
In a rent to own lease agreement for the one-two year lease period who will have the homeowners insurance?the renter or seller?
I have just started an apprenticeship and wondering if I would be able to afford a car and insurance?
I have recently just started an apprenticeship in march which is only 12 months long, however there may or may not be a job at the end of it. I get paid 2.65 an hour, 5 days a week 9AM-5.30PM and I currently am doing my driving lessons but I am sick of relying on other people for lifts. Will i be able to afford a car and insurance on this pay? I'm really not bothered what car I can get as long as it gets me to work and back.""
Insurance on a car that you do not own yourself?
Im 17 years old. My grandma will buy me a car. But she doesn't want me on her insurance, so she said i had to wait til i was 18 til she would buy it. I was wondering if it's possible for my mom to put insurance on the car for me, if she's not that one that own's it. She can't on it for medicaid reasons. Thanks.""
""Based on my age, how much do think insurance will cost for a range rover sport?
i'm turning 17 in a few months and thinking of getting one for my birthday? a rough estimation would be nice
Where can I get renter's insurance for cheap?
For an apartment in California
What's the average cost of car insurance for a 20 year old male?
I'm shopping around for car insurance and I'm trying to get an idea of what's average. I'm a 20 year old male living in Florida with no points on my license.
https://www.linkedin.com/pulse/i-buy-14litre-car-would-my-insurance-cheaper-than-what-teddy-george"
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caseinpoints · 6 years
Text
Transitioning to online selling means growing pains for solar installers
When Sheryl Lane, COO at Earth Electric, first heard about consumer solar marketplace EnergySage, she was excited about the opportunity and signed up her company right away.
But after putting in more than 100 quotes and not landing any jobs, she wondered what was going wrong. Lane thought her most important selling point was missing from the platform: The personal touch of a local installer.
“It’s making it like some cheesy, non-personal experience, and it’s just not the way it should be done when you’re talking about such a large investment and people putting holes in your roof,” she said.
Earth Electric is a small installation company in San Jose, California, that employs six people and averages 300 kW in annual (mostly residential) installations. It’s been in business for almost a decade, and Lane credits its success to thorough industry knowledge and personalized attention to detail.
So the fact that EnergySage requires installers to communicate exclusively through its internal messaging system, without requiring the customer’s phone number or email address, is problematic for Lane’s business model. But EnergySage founder and CEO Vikram Aggarwal said it keeps contact information optional because consumers don’t want to be solicited. They want to be in the driver’s seat when they’re online shopping. And until the industry makes system prices more transparent and easier for consumers to search, they’ll continue to turn to marketplaces for easy, unobtrusive answers.
“Today, without EnergySage and without picking up the phone and talking to a solar contractor, there is no way to get prices,” Aggarwal said.
Aggarwal thinks the solar industry avoids publicizing detailed pricing and product information on installer websites for fear of losing competitive advantage. He compares the secrecy to shopping at his family’s clothing store in India, where there were no price tags and the sales associates set the price based on what they thought each shopper would be willing to pay.
“Solar is sold like we used to sell clothes in India, which bugs the hell out of me,” Aggarwal said.
As solar becomes more mainstream, Aggarwal sees more visitors come to EnergySage to scope out prices. Last year, he said the site had about five million U.S. visitors. This year he expects that number to double.
“The good news is that a lot of people are very interested in solar,” Aggarwal said. “But the bad news is it takes time for them to go from being interested to becoming actual customers.”
These quote seekers are a huge time suck for installers like Earth Electric putting in bids through marketplaces without any results.
To request a quote, consumers must fill out a profile on EnergySage that is reviewed by the marketplace for viability. Aggarwal said people who make it that far are pretty motivated consumers. Approved consumers are shared with EnergySage’s network of contractors. Up to seven installers can submit a bid on any one request.
“Yes, there are a lot of tire kickers. There are a lot of window shoppers. I don’t think the industry can get away from that. I think what the industry needs to do is get ready to serve window shoppers, because these window shoppers eventually will become customers,” Aggarwal said.
Rudy Wright, president of Wright-Way Solar Technologies based in East Texas, said he has landed one big job from EnergySage. He likes the tool because he knows consumers enjoy the ease of online marketplaces. But he and his colleagues have put in hundreds of hours of work sending proposals with little return on the time investment.
One problem he had with the marketplace was that installers had to submit bids through the EnergySage platform instead of their own solar modeling software like Aurora Solar.
“I raised nine kinds of hell with them because they kept calling me going, ‘Why aren’t you doing more bids?’ and I’m like, ‘Well guys, there’s 100 tire kickers a week in Texas, and I can’t do 100 bids in your software and still do my job that puts food on my table,’” Wright said.
EnergySage’s Quick Quote feature somewhat solved that issue by allowing installers to input a few pieces of information to generate a generic quote in a matter of seconds, but these quotes are general estimates rather than carefully tailored projections using sophisticated software. Wright uses Quick Quote and tells customers to call him for more information.
Wright said one of the things he likes about the platform is if a customer ends up buying solar through a different EnergySage contractor, he gets an email from EnergySage telling him so. In the past six months, Wright said his company sent out about 500 bids. He only recalls getting three to five emails back from EnergySage saying those customers opted to go with a different contractor. The other 495 customers didn’t go solar, at least through EnergySage.
“I kind of get a little bit of feedback to know OK, it’s not just me. They’re just not buying,” Wright said.
Marketplaces spread solar awareness
Azam Kazmi, president of YellowLite in Northeast Ohio, thinks online marketplaces are well worth his time. YellowLite has been signed up for both Pick My Solar and EnergySage since their inception.
“For the returns, they don’t ask for a whole lot,” Kazmi said. Compared to the cost of organically researching and following up with leads, he said these platforms charge less. He does admit organic leads are much more valuable and likely to end in a sale, but he likes the volume of leads these platforms generate, especially in a market like Ohio where solar is still not a kitchen table topic, or as competitive as Southern California.
Kazmi said he doesn’t get many leads from Pick My Solar yet, but the ones he has received have been more qualified than EnergySage’s.
“You’re dealing with fewer customers, so the close rate is better, versus EnergySage with more leads,” Kazmi said. He doesn’t have a problem with the lack of serious leads on EnergySage, though. “They’re leads. There’s not a whole lot that they could do, I think, on their end besides just saying that ‘Hey, we are a tool available.’”
Although Pick My Solar is also a consumer-facing marketplace, it serves a different purpose. Pick My Solar is meant to replace an installer’s sales and marketing team, so its rates for signed contracts are higher than EnergySage’s. Pick My Solar calls this distinction a “managed” marketplace versus the “unmanaged” consumer-to-installer communication on EnergySage.
Pick My Solar staff receives customer requests, creates quotes based on information in its installer database, designs systems using Aurora Solar, sends the customer three different quotes and then sends the signed customer contract to the winning contractor.
“We’ve already kind of done all of the legwork for [the installers]. When we close that sale, it’s basically plugging into their pipeline, into their operations team,” said Rex Kehoe, partnership director for Pick My Solar. “So it kind of bypasses all of that work that needs to be done and time, energy, money that’s spent up-front.”
EnergySage’s Aggarwal said Pick My Solar is not a true marketplace for consumers because its main function is to become an installer’s sales team. That may be so, but Kehoe said Pick My Solar is a better option for installers that don’t have the time or resources to spend sending many quotes to customers who may not be serious about buying.
Pick My Solar has focused its expansion efforts on partnering with certain utilities like Con Edison New York to serve their markets. It has about 100 vetted installers signed up on pickmysolar.com currently. EnergySage aims to serve a national consumer market and has 500 pre-screened installers on the site now.
Transitioning to online selling
Kazmi tasks entry-level employees at YellowLite with working the solar marketplaces. Once a customer gets closer to buying, he assigns an experienced sales consultant to the lead.
Although Quick Quote makes it easy to send that initial bid, winning a customer usually requires much more effort. Installation companies must continue to follow up with leads through the platform.
Aggarwal said contractors should have a salesperson dedicated to working EnergySage on staff, or at least someone who’s internet-savvy and can close deals on the platform. In its “Top 10 tips for installer success,” EnergySage advises installers to submit quotes within one hour of the request, avoid pushy sales tactics of door-to-door sales and make sure all messages to consumers are friendly and free of spelling errors.
Some smaller installation companies don’t have the resources to have an employee work the site full-time. Dara Bortman, VP of marketing and sales at Exact Solar in Philadelphia, said her company signed on to EnergySage around the time it launched, but hasn’t done much with it since then. The type of jobs that interest her company almost always reach EnergySage’s seven-bid limit before Exact Solar has a chance to submit a bid.
“They’re getting them really quickly,” Bortman said. “So if you don’t do that, and you go on and see the email an hour or two later, you look at [the potential job] and it’s full. You can’t even bid on it.”
Bortman said most of her company’s leads contact Exact Solar directly by phone or through its website. Often, customers find the company through its good ratings on Angie’s List and SolarReviews.com.
“Unless I have extra time, I’m not going to go to [marketplaces],” Bortman said.
Exact Solar is adding a second salesperson this year, so if the normal lead pipeline doesn’t keep both salespeople busy, Bortman said maybe they will spend some time on EnergySage.
Verification practices
Another reason Lane thinks Earth Electric didn’t win bids on EnergySage was she often found herself being outbid by unqualified contractors. She thinks third-party companies are using the site to find jobs, then subcontracting the work out on the cheap. Her company has been contacted by some of these companies offering to hire Earth Electric at 60 or 40 cents per watt.
“So these out-of-area ‘contractors’ are getting local installers who are hungry in a very competitive marketplace to install for them while they rake in the cash and aren’t even licensed to contract,” Lane said.
EnergySage said it is aware of the problem of verifying subcontractors and is working to develop more checks and balances to make sure all parties, contractors and subcontractors alike, are properly vetted.
“I understand it,” Aggarwal said. “We are trying to figure out how to address that through more transparency, while being respectful of the trend in the industry of this specialization.”
Aggarwal said many companies are now either focusing solely on sales or on installation, and subcontracting installations out or using tools like Pick My Solar for sales and marketing functions. He said the best way to fix the problem is through more transparency. Installation companies that perform all the labor in-house should call attention to that on their profiles. If a company tells EnergySage it uses subcontractors for the installation right away, Aggarwal said EnergySage will verify both the sales company and the subcontractor.
Playing with numbers
Exact Solar does most of its business in two states that are very different solar-wise: Pennsylvania and New Jersey. Pennsylvania has cheap electricity and low-priced SRECs, so the profit margin is thin. The added cost that must be paid to EnergySage for the sale could kill a job.
“If someone has a perfectly sunny roof that faces south, it can still work,” Bortman said. “But add in any variable like shade or orientation, and then you add in 12 cents a watt [for EnergySage], it can really make a difference and really make the numbers just not make sense.”
Add in the module price increase from the tariffs, and the system price would probably make the payback period longer than 12 years.
In New Jersey, solar makes a lot more financial sense. Electricity costs more, and SRECs are about $200 per MWh. Bortman is open to giving EnergySage another shot in the state if it makes sense in the future and Exact Solar employees see better returns on their time investment.
Making the numbers generate profit for the installers with the added payment to EnergySage can be tough because many consumers are just looking for the lowest price on the site instead of the best comprehensive deal to fit their needs. That type of “race-to-the-bottom” mentality hurts smaller contractors like Bortman and Lane.
“I’m not in it to be the lowest price,” Bortman said. “I’m not in it to be the highest price either, but, you know, I’m in it to be the highest quality. And maybe it’s hard to get that across in a bidding setting like that.”
Lane said she’s spoken with other local companies that have managed to clinch a couple of jobs through EnergySage by pricing jobs very low.
“That’s fine for a little while when you want to keep your employees working, but you can’t continue to grow and prosper…which is why we’re all in business,” Lane said. “We’re not here to be the low-price leader. As a local solar installer providing the level of customer support that we do, we can’t afford to be the Walmart of solar.”
In the still-young solar market, marketplaces like EnergySage can help spread awareness of the technology and the cost that’s missing from solar websites. For solar contractors who don’t like buying leads outright but need more jobs, solar marketplaces can serve an important role in their project pipeline. But EnergySage does hear the valid concerns of installers about verification and time commitment and is working to improve the experience for installers.
Solar Power World
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