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Baby and Toddler Naps — Everything You Need to Know

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Many parents assume that nighttime is the only time that we should worry about our baby’s and toddler’s sleep. What parents often don’t realize is how important naps really are to babies’ development, temperament, and growth. Naps are incredibly important for babies and toddlers, but they are constantly changing, which can lead parents to assume their child isn’t tired, or is ready to give up their naps prematurely. This is simply not true. If you’re wondering about baby and toddler naps, here are some nap basics that apply to every child.

Nap Averages

Newborn to 5 Months

Newborns need as much sleep as possible. That’s why I do not recommend sleep coaching until your child is around 6 months. It’s also important to remember that daytime sleep develops after nighttime sleep, and often not until around 6 months. Nap coaching is rarely advised — or successful — with babies this young. Often, parents of newborns find that their babies are taking a lot of naps — 4 to 5 naps per day is not uncommon.

6 to 8 Months

At this age, most babies need between 2 and 3 naps per day. They’ll take a morning nap, an afternoon nap, and a one hour (maximum) late afternoon nap to help them bridge the gap between naptime and bedtime. This will help avoid bedtime resistance due to an overtired baby.

It is important that your baby gets at least 3 hours of naps, ideally split into two 90-minute naps.

9 Months to 12 Months

Most babies give up their late afternoon nap between 9 and 18 months. Additionally, you will find that your baby’s morning nap — no more than 90 minutes — will shorten, and will be supplemented by a longer afternoon nap, which begins approximately three hours after the end of the morning nap.

13 Months to 18 Months

Sometime between 13 and 18 months, most babies make a natural transition from two naps to one. This nap is usually a 2-hour afternoon nap, usually beginning between 12:30 and 2 p.m.

18 Months and Beyond

Your child will continue with their nap pattern until they are ready to transition to quiet time. The average child will stop napping somewhere between 3 and 4 years old.

Keep in mind that many children begin giving up their naps slowly. This transition may begin with your toddler or preschooler not needing a daily nap. Don’t assume that because your child did not nap yesterday, they will not need a nap today. Continue to offer the option of nap, with a sleep-inducing environment. If you child chooses quiet time instead, that is okay. Just ensure that they are getting rest during the day, even if they’re in the nursery looking at books quietly.

“Wakeful windows” are a length of time you can expect your baby to stay awake between naps without having a meltdown. Wakeful Windows get longer with age.

Windows of Wakefulness

These suggestions correlate to the average baby’s windows of wakefulness. That’s basically a fancy way of saying “the length of time you can expect your baby to stay awake between sleep times without completely melting down”.

Average windows of wakefulness by age:

• 3-months-old: only has a 1-2 hour window of wakefulness.

• 6-months-old: the window of wakefulness is 1.5–3 hours.

• 9-months-old: the window of wakefulness is 2-4 hours.

• 12-months-old: the window of wakefulness is 3-4 hours.

• 18-months-old: the window of wakefulness is 4-6 hours.

• 2-years-old: the window of wakefulness is 5-6.5 hours.

• 3-years-old: the window of wakefulness is 6-8 hours.

• 4-years-old: the window of wakefulness is 6-12 hours.

The above times are averages for children who are sleeping through the night. How your child naps is dependent upon how your child sleeps at night. Make sure that your child is getting enough sleep, and be aware of your child’s window of wakefulness. Try to ensure that you are starting the naptime or sleep routine at least 30 minutes before the window of wakefulness expires to mitigate naptime resistance (and meltdowns).

For a better understanding of wakefulness windows, and a typical schedule for your baby, you may find it helpful to review a typical baby or toddler sleep schedule, which will give you a better perspective on the actual wakefulness windows for your child.

RELATED: Baby and Child Sleep: Sample Schedules from 6 Months to Preschool

Not All Naps are Created Equal

Not all naps are created equal. If you’ve been reading my books or this blog, I’m sure that you’ve heard me mention disaster naps. A “disaster nap” is just my way of referring to any nap that is shorter than 45 minutes. These types of naps do not encompass a full sleep cycle. Babies often wake up cranky and still tired, rather than refreshed. These types of naps tend to occur when windows of wakefulness have been exceeded, or when babies are put on a schedule that is outside of their home schedule, which sometimes occurs at daycare.

Naptime Resistance is Normal

As your child grows, they test boundaries, and unfortunately, that often means that they want to see what happens when they don’t nap. With the knowledge that your child needs to nap until sometime into her third or fourth year, don’t give up. Keep to the naptime routine that you have established.

It’s worth noting that if your child is resisting naps and near a ‘transition age’ (one where your baby will soon be dropping a nap or the window of wakefulness increases), you may want to adjust naptimes to see if your baby is more willing to nap at a different time in the morning, or perhaps a little later in the afternoon. For example:

For a 15-month-old, your flexible schedule may look like this:

7:00 a.m. wake-up 9:00 a.m. morning nap 12:30 p.m. afternoon nap 7:00 p.m. bedtime.

If you find that your baby is fighting either nap, you may want to adjust the times to see if she is more willing to nap. Doing so may cause the nap schedule to look like this:

7:00 a.m. wake-up 10:00 a.m. morning nap 1:30 p.m. afternoon nap 7:00 p.m. bedtime, or

7:00 a.m. wake-up 12:30 p.m. afternoon nap 7:00 p.m. bedtime.

If you find that you are still getting resistance, you may want to begin phasing out the morning nap and paring down to one nap if your child is at least 13 months.

Consistency is Key to Nap Success

Remember the adage “if at first you don’t succeed, try, try again”? These words are perfectly applied to naps. Remember, naptime sleep is different than nighttime sleep. There is more going on, the noise level is different, the light level is different, and sometimes babies just simply don’t want to miss anything. Every baby goes through a period of struggle with finding the perfect naptime.

Watching wakefulness windows, looking for signs of tiredness, and remaining consistent with your baby’s routine will help to ensure that he is getting enough quality naptime sleep. If you struggle, review some of my nap coaching tips, and try again at the next opportunity.

RELATED: The Sleep Lady’s Nap Coaching Tips

Even Older Children Need Quiet Time

Children are growing so quickly, which means that every day provides a myriad of experiences to process, analyze, and think. Even if children have stopped napping, they still need a period of quiet time to help them regroup partway through their day. Most older children’s ideal quiet time is strikingly similar to their old naptime.

To make sure that quiet time goes smoothly, try introducing it gradually, much like The Shuffle. Set the ground rules — no loud instruments, only certain activities allowed, when they can come out of their room, etc — and stick to them. Gradually increase the amount of time that your child is expected to spend playing quietly to help ease them into this time.

Begin with 15-20 minute increments, and gradually build the length of your child’s quiet time. I have spoken to some parents who find that a mellow, short video with a snack helps to set the stage for quiet time. Others have found that just going straight to playing quietly works best. It may take a few days to figure out what works best for your preschooler.

If your child is still napping intermittently, this is the perfect opportunity to continue the naptime routine, and give your child the option of playing or reading quietly if they do not feel like sleeping.

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Kim West

Kim is a Licensed Clinical Social Worker who has been a practicing child and family therapist for more than 24 years, and the creator of the original gentle, proven method to get a good night’s sleep for you and your child.

She is the author of The Sleep Lady's Good Night Sleep Tight, its companion Workbook and 52 Sleep Secrets for Babies.

Click here to read more about her.

Did you find this article helpful? Please share it with your friends by clicking below, or ask a question on The Sleep Lady Facebook page.

The post Baby and Toddler Naps — Everything You Need to Know appeared first on Baby Sleep Coaching by the Sleep Lady.

from Blog – Baby Sleep Coaching by the Sleep Lady https://sleeplady.com/napping/everything-you-need-to-know-about-baby-and-toddler-naps/

from https://www.marclefrancois.net/2019/03/27/baby-and-toddler-naps-everything-you-need-to-know/

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thrashermaxey · 5 years

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Fantasy Hockey Mailbag: Svechnikov, Ho-Sang, Giordano, Rittich, Glass, Greenway & Bounce-Backs

Welcome to the second installment of what is now my monthly fantasy hockey mailbag column. The concept is simple – you send me (instructions are at the end of the column) questions about fantasy hockey and I address them here in a way that not only gives you the answer(s) you’re seeking but also provides fantasy advice and food for thought to other readers, even if they don’t own the same players. That way everybody wins! Without further ado, here are this week’s set of questions and answers.

Question #1 (from Justin)

I made a trade in my 10 player roto pool. I traded away Ben Bishop, Nicklas Backstrom, and Mark Stone to another GM in exchange for John Tavares, Artemi Panarin, and Darcy Kuemper. When I made the trade, I was in 2nd place in my pool. Can this trade help put me over the top to win the pool, or did I give up too much to get what I received?

This is a tough question because I’m missing information on what categories you count and where you (and the GM who’s in first) stood in each one. Also, the question came to me at the end of February, so a lot has happened since then. Even still, I’ll do my best to answer it, all things considered.

Let’s start with a side-by-side of the netminders. Kuemper is doing his best to channel Peter Budaj of 2016-17 by morphing from borderline NHLer to very capable starter, as he’s stepped in and stabilized the Arizona net while Antti Raanta is on the sidelines. Bishop plays for the better team and, on paper, is the better goalie; yet despite his recent string of shutouts, he isn’t that much of an improvement over Kuemper at the moment. And as we’ve seen twice in 2019, Bishop is always an injury risk. If your league counts saves and wins, they’re quite comparable; it’s not until you factor in GAA, Shutouts and SV% that Bishop gains an edge, although not by too much over the 2018-19 version of Kuemper.

The next two for comparison are Backstrom and Tavares. Clearly if goals and SOG matter in your league that swings the pendulum toward Tavares big time, with Backstrom’s roughly 50% edge in PPPts not enough to close the gap that Tavares holds over him in nearly all other categories, including plus/minus and Hits+Blocks. Big edge to Tavares.

That leaves Stone and Panarin for comparison. When Stone was traded at the deadline, Vegas said the intent was to play him with Paul Stastny and Max Pacioretty; but poolies suspected it was only a matter of time until he lined up with Jonathan Marchessault and William Karlsson on the top line, replacing Reilly Smith. Yet here we are a month later and Stone is still stapled to Pacioretty and Stastny at even strength, albeit with Karlsson and Marchessault (plus Smith) on PP1. And the results have been just okay, with eight points in 12 games but a stretch of six points in five contests. So in short – better team but worse stats, at least for now.

What that also means is, while Stone blows Panarin out of the water in multi-cat areas like Hits+Blocks. Panarin is probably still the one of the two who I’d want to own since although his ice time isn’t super high he gets upwards of 75% of his 5×5 starts in the offensive zone, making it all but impossible for him not to keep up his torrid scoring pace. In contrast, Stone – as talented as he is – plays for a Knights team which divides ice time and zone starts more evenly, which should keep his scoring below that of Panarin by 10-15%.

So, all in all, it looks like you make a shrewd deal, getting the two best forwards and a goalie who’s not much of a step down from Bishop. All the best in what hopefully will be (or already has been) a journey from second place to first.

Question #2 (from Michael)

I am a huge fan of Joshua Ho-Sang, but I’m getting the feeling he's never really going to become a fulltime NHLer, let alone the future fantasy force that was envisioned in juniors and when picked in the first round. In your opinion, is it time to cut him loose?

This hearkens back to recent questions I answered about Jesse Puljujarvi and Pavel Zacha. Ho-Sang, at 23, is more than a year older than both of those two (Zacha turns 22 next month, JP turns 21 in May), but he’s played far fewer games than either – just 53 to date, including only ten this season. Yet somehow Ho-Sang managed 24 points in those 53 games, for a much higher scoring rate than either Zacha or JP. Even Ho-Sang’s AHL career scoring rate is about 60 points. All this begs the question – why is he not yet an NHL regular?

Unlike JP and Zacha, Ho-Sang has had recurring questions about his effort/character; and while his AHL scoring rate has been highest this season, he’s even been a healthy scratch at that level, which says a lot, although of course, he could have pent up frustration for not getting what he feels is a chance to show his talent at the NHL level. Chances are next season will be different, as either New York will choose to re-sign him, presumably for enough money to get e regular roster spot, or he’d end up on a new team for a fresh start. But can we tell if he’d have a chance at success elsewhere, or if given a longer look in New York? Let’s try to figure that out by dissecting what little NHL data we have to go on.

Unlike the case with Zacha and JP, when Ho-Sang did play he was given ample PP time – 2:25 per game in 2016-17, 2:15 in 2017-18 and even 1:55 this season, yet amassed a mere three cumulative PPPts. If we crunch the numbers, that’s three PPPts in approximately 120 total PP minutes, or 1.5 PPPts per 60 minutes. There’ no way to spin that as anything but a very poor output. Moreover, it was not a case of him having back luck; instead, the PP simply was ineffective with him on it, with the team scoring a total of seven PPPts in those 120 minutes. And considering Ho-Sang’s most common linemates when skating on the PP were either top tier or at worst second tier Islanders, it’s difficult not to conclude he was a drag on the PP overall.

But until this season, he actually wasn’t a drag on production in general, as in his first two campaigns his 5×5 team shooting percentage was above the 9.0% mark usually associated with solid scorers. And although his IPP (i.e., the percentage of points he received on goals scored while he was on the ice) was 50% in 2016-17, it was a very impressive 80% last season. Fast forward to 2018-19, however, and both those numbers have cratered, with his 5×5 team shooting percentage dropping to 4.69% and his IPP to 33.3%, which are truly atrocious numbers.

But was it a case of him being saddled with far worse linemates in 2018-19 versus prior seasons? Yes and no, as this season he spent about 40% of his even strength ice time skating with Anders Lee and Brock Nelson, versus 2017-18 when his most frequent linemates at even strength were Nelson again, plus Anthony Beauvillier, and 2016-17 when he most often shared the ice with Beavillier, Lee, and Nelson. But he also spent 35% of his 2018-19 shifts with Leo Komarov and Valtteri Filppula. And his OZ% this season cratered to 40.3% after being 59.5% and 52.4% in his prior seasons; so in a way that’s some excuse for his diminished even strength output for 2018-19, although not his abject failure on the PP.

Given all the data and the fact that Ho-Sang is already five years out from being drafted, my take is he should not be owned in any non-dynasty league at this point. And even in dynasties, he could be a drop if he doesn’t somehow find his game wherever he ends up next season.

Question #3 (from Owen)

I'm in a points-only, ten team keeper league. Each team has a 21 player active roster (5 subs) which must consist of four defensemen, one goalie, and one rookie. I drafted Andrei Svechnikov as my rookie this year and have been disappointed. When will he have a breakout season, if at all?

Let’s keep in mind, first and foremost, this is Svechnikov’s age 18 season, so it’s far too early to surmise whether he’ll have a breakout season. But let’s see if data and comparables can give us any clues.

Svechnikov has 20 goals while averaging 2+ SOG per game. Since 2000-01 only six other 18 year-olds have accomplished both feats, two-thirds of whom have turned out to be major stars (Sidney Crosby, Nathan MacKinnon, Steven Stamkos, Ilya Kovalchuk), one who’s still young but likely headed for great things (Patrik Laine) and one (Jeff Skinner) who didn’t turn out to be a super player but still has proven to be a fantasy-worthy asset. So that data right there should help you breathe a whole lot easier about Svechnikov’s future prospects.

On the other hand, Svechnnikov’s IPP for 2018-19 is only 62.1% and 5×5 team shooting percentage is just 6.02%. Those are not strong numbers and likely explain, along with him averaging just 2.0 points per 60 minutes of ice time, why Svehnikov hasn’t garnered more ice time as a rookie despite his skill. But before you let those tidbits concern you too much, consider that although he’s played sparingly with Sebastian Aho and Teuvo Teravainen, he’s arguably made them better when they’ve taken the ice together, as both have higher percentages of overall scoring chances and high danger scoring chances when they play with Svechnikov than without. Beyond that, although Svechnikov plays only 14:36 per game, which is about 30% less than star in the making Sebastian Aho. Yet Svechnikov’s scoring chances and high danger scoring chances only trail those of Aho by 10-15%. I think that encouraging data at least balances out – if not trumps – the not so great IPP and team shooting percentage numbers for Svechnikov’s rookie campaign.

Overall I’d say that Svechnikov looks to be well on his way to becoming a very good if not a great fantasy asset. As for when the switch might be flipped, I might not bank on 2019-20 but I think by age 21 he should be showing us his true talents and, more importantly for you, racking up the points as well.

Quick Hits

Starting this week, I’ll be giving some “quick hit” responses to some of your questions that came in at the 11th hour. If you’d like a deeper dive answer, please send your question at least a week in advance; Instructions on how to do so are at the bottom of the column.

I'm in a points-only keeper league, with a bonus for D goals. I can only protect two of Cale Makar, Adam Fox, and Mikhail Sergachev. Which two do you think will be best in 3-5 years?

For sure Makar, as I think Tyson Barrie will walk as a high-priced UFA next summer then Girard might bridge the gap for a season or two, after which it’ll be 100% the Makar show, with Colorado’s forward core still smack dab in the middle of its prime. I’m also taking Sergachev since Tampa figures to be a juggernaut for the next half decade and Sergachev looks like he could be Kevin Shattenkirk or Keith Yandle type, with plenty of offensive zone starts and enough PP time to put up solid numbers, yet not saddled with tough minutes. This isn’t to say that Fox will be bad – I’m just less confident about Fox’s chances to have a role that’s as conducive to scoring as the other two.

Will Giordano’s magic continue into next season, or should be we expect a drop-off? (From Kyle)

Age is not working in Mark Giordano’s factor, as only twp defensemen (Al MacInnis, and Nicklas Lidstrom) in NHL history have scored even 60 points at age 36+! But like those two, Giordano is a minute-eater who also is put out there in scoring situations – a best of both worlds so to speak. What’s more, Calgary has no one set to push him for coveted PP time. Beyond that, Gio’s metrics aren’t wholly unsustainable, as although his 5×5 team shooting percentage and IPP were high both for him (and for a defenseman in general), most everything else was reasonable, making it so my take for 2019-20 is poolies should expect roughly 60 points, with a better chance at 65 than 55, especially if Calgary remains a team on the rise.

What’s your read on Rittich beyond this season? (From Randall)

With David Rittich an RFA and Smith a UFA, I believe Smith is as good as gone and might even retire. I think Calgary playing Rittich over Smith this season even though Smith was higher paid and Rittich was so untested speaks volumes in terms of their confidence in him and willingness to keep – and pay him – as a starter. As long as he doesn’t completely lay an egg in the playoffs, this summer I’d expect the team to give Rittich a 3-4 year deal worth something in the $3M per season range – enough to denote him as the starter but also to allow them to sign a back-up who could step in if Rittich falters.

As for how Rittich might perform going forward, I believe we’ve seen enough to feel confident he can seize the reigns and perform well. One key is his even strength SV%, which is better than that of Marc-Andre Fleury, Braden Holtby, or Devan Dubnyk. That metric is usually an indicator that a somewhat more unproven goalie can – and will – step up if given the change to be a true #1.

What would you do with Sam Bennett in a 31 team, cap hit, all players owned league with regular stats plus Hits, Blocks, SHTOI, and FOW? (From Thomas)

Bennett is an RFA and will likely get a bump in salary which normally should bring with it more playing time, except for the fact that most of Calgary’s top forwards are under contract for several more years, making it difficult to envision Bennett being able to rise above the bottom six. It’s also not a good sign that both his SOG total and his IPP both went down this season, which was his “magical fourth year”. That also leads into another key, namely, we can’t ignore he’s now a 22-year-old who’s played more than 300 NHL games, begging the question as to when – if ever – he’ll connect the dots. All this being said, he did have a decent stretch of better than a point per every other game hockey this season and if injuries occur and armed with his new contract he could get a chance to strut his stuff and perhaps carve out a more prominent role. I’d keep him but not be afraid to package him as part of a larger deal without fear he’ll come back to bite you.

What’s the outlook on Cody Glass in a straight points league? (From The Chaliman)

Glass is terrific in my book. He’s got skill and a scoring drive – that much we saw on full display at both the WJCs and this season in the WHL. My concern is whether Vegas is the right fit for him in that the team doesn’t give scorers the kind of ice time – at even strength or on the PP – that he would get on most any other squads. Perhaps that could help transition him to the NHL and ease his development, but I worry it could frustrate him and have a deleterious effect. Long story short, on most any other team I’d have high hopes; but with him being a Vegas prospect I’d temper expectations substantially, at least for his early years or as long as Gallant is the coach.

What’s the fantasy outlook for Jordan Greenway? Can you think of a good comparable? (From Jon)

Greenway is a non-big man trapped in a big man’s frame. He doesn’t throw his weight around, so his value in Hits and PIM leagues is questionable, and he doesn’t shoot the puck much, which concerns me more so than his points total. It is good to see that his IPP is 65% for this season, as that suggests a nose for scoring. But I worry that he doesn’t have a clearly defined role or specialization – he strikes me as a player whose upside is the middle six and maybe a point total in the high 40s. As for comparables, that’s a bit of a tough one – maybe Nick Bjugstad, except with fewer shots and hits?

Who are some early bounce-back candidates for 2019-20? (From Dan)

The one that stands out to me the most is Rickard Rakell. Stretching back to the end of 2016-17 and going into this season he had 76 points in his previous 86 regular season games. That’s too good for too long for him to be this mediocre. I’m also a believer in Laine, whom I think will look back on this season once it’s over, be embarrassed, and will come back for 2019-20 ready to dominate once again. And don’t sleep on Jake Gardiner, who’ll either be “the guy” on a new team or likely back to more of his old self on Toronto, or Antii Raanta, who’ll likely be injury-free and also back to his old self.

What kind of production should we expect from PLD without Panarin? (From KF)

Great question, and it’s important to focus on the fact that after a red-hot start to the season Dubois has cooled considerably despite still being glued to Panarin for the most part. Interestingly, Dubois’ Fenwick in the minutes he plays without Panarin is higher than when they’re together, but his scoring chances, both in general and “high danger” plummet when they’re apart. That’s worrisome, but at the same time Dubois has done enough to be the #1 center in Columbus and it wouldn’t shock me to see him step up his game more once his “binky” is gone. Personally, I’m taking a flyer on Dubois this offseason because between the end of season slump and concern over Panarin’s departure, the price probably will be right, or at least right enough to gamble on Dubois being able to shine on his own.

Is Ryan O’Reilly a sell-high? (From Fernet)

The short answer, to me, is no. I think ROR is in a similar class as Patrice Bergeron and Anze Kopitar as centers who play mega minutes and can still do it all while putting up a minimum of 70+ points. The question is why, in that case, wasn’t ROR shining in previous years, and I think a lot of that had to do with him playing for truly lousy teams where his 55-65 points were, percentage-wise, a similar ratio to total team goals scored as what he’s done this season. There is some concern, however, in that Vladimir Tarasenko has started to heat up as he’s played more once again with Brayden Schenn, but that might be a red herring in that ROR’s yearlong totals are still solid. Don’t sell high – keep and reap the benefits.

*********

Thanks to those who sent in questions this week – sorry I couldn’t answer them all. In some cases, it was due to having touched upon the player(s) (Meier, Zacha, Karlsson and Puljujarvi) in a recent column while in others (like Subban) it was due to him being covered in a recent ramblings. Although my next mailbag isn’t for another four weeks, it’s never too early to start sending me more questions if you want a “deep dive” as I did with the first three questions. You can send questions to me in one of two ways: (1) emailing them to [email protected] with “Roos Mailbag” as the subject line, or (2) sending them to me via a private message on the DobberHockey Forums, where my username is “rizzeedizzee”.

When sending me your questions, remember to provide as much detail about your league/situation as possible, since as you saw above in a couple of the questions there were some omitted details which made it difficult for me to give a truly proper answer. Examples of the types of things I need to know include what type of league you’re in (i.e., limited keeper, dynasty, or one-year; roto vs H2H), does the salary cap matter, how many players are rostered (and of those, how many start at each position), what categories are scored and how are they weighted, plus other details if necessary (such as free agents available if you’re thinking of dropping a player or rosters of both teams if you’re thinking of making a trade). The key is to tell me enough for me to give you a truly proper answer, and for readers of this column to benefit from the answer/advice I provide. When in doubt, err on the side of inclusion. See you next week for the return of Goldipucks and the Three Skaters!

from All About Sports https://dobberhockey.com/hockey-home/fantasy-hockey-rick-roos/fantasy-hockey-mailbag-svechnikov-ho-sang-giordano-rittich-glass-greenway-bounce-backs/

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fadingpersoncollectorstuff-blog · 6 years

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""Dealt with car accident outside of insurance company, how can I chase up the receipt?""

On Christmas Day I went out in the car to pick up some drinks from the petrol station and on the way out of the station I bumped someones car. I stopped and got out to give them my details (name, address and phone number) and then went home. In the panic of the moment I think I just wanted to get home as it was Christmas Day and I didn't hang around to take photos, ask for witnesses or discuss options with the other driver, which in hindsight I regret and realise was stupid. When I got home, the guy called me up and, again with the stupid mistakes, I said that I would rather settle outside of insurance; the driver wasn't keen on the idea at first and wanted to settle through the insurance company but I couldn't call them until the next week as they were closed for Christmas. He texted me the next day saying that he was going to get a quote from a garage and got back to me later with a quote for 400 through a 'friend of a friend's garage'. At this point I was a bit suspicious and the amount seemed very high for what I thought was not a lot of damage but at the same time he said that he either wanted to do it like that or through the insurance and I really didn't want to loose my no-claims discount as insurance for young male drivers is very high without the no-claims. In the end I decided to pay him, not without a certain bitterness owing to the fact that he was pressuring me for an immediate decision, which also made me suspicious. Having sent the cheque for 400, he kept up communications initially and let me know that he'd received it. He said that he would send me a copy of the receipt from the garage for my records but once he received the cheque I never heard back and now cannot get a reply. Bit long-winded for a question but that's the background story, my question is two-fold: 1. Can I do anything about it? It's more the principle than the money that bothers me, I know that I caused damage to his car but I now suspect it wasn't as much as he claimed. 2. Does 400 sound like too much or should I stop worrying about it? I hit the back corner of his car with the back corner of mine, and he later told me that I had cracked the rear bumper, which needed replacing. I'm not sure of the make of the car but I think it may have been a Ford Fiesta or something similar. I would really appreciate any help as it's weighing on my mind... I don't like people walking over me. At least if the amount he claimed sounds reasonable I can put it down to him being a wanker but the amount claimed being fair and forget about the whole thing.""

Who is the best life insurance company that pays out?

I am looking into getting life insurance probably not term life insurance just regular not sure yet however a lot of my friends have had problems with life insurance companies not paying out even though they where still within the life insurance contract guidelines so I am scared..I have heard a lot of positive things about farmers and that they always pay out as long as it is in within the guidelines they provided when you signed up for the insurance . does anyone know of a company that for sure will pay out ? also can I take a life insurance policy out for my mother id like to do so because she does not have one so I am worried something may happen and I will be stuck with bills ? I know I will have ta pay more because of her age but that is okay with me I feel like it is well worth it as long as the company pays out any advice ?? Thanks

Why is 6 months of the cheapest car insurance $700? What would be the cheapest provider for me?

Details: Im 19, Had my license for 1.5 years, no accidents, live in an apartment with 2 room mates, good credit, have a 1997 dodge stratus es 4 door, and in college. What would be the cheapest provider to make it legal? Also, are there any tricks I can use to make it cheaper?""

How does motorcycle insurance work?

So I just wanted to know a little about the pay brackets with motorcycle. Im not talking specific numbers cause I know to just get a quota for that. What I heard is for things like scooters or bikes under 150cc there is a bracket. Then it goes up for anything between 150cc to less than 400cc. Then after that you can expect insurance to go up more when you get into the 600cc supersports and so on. I know im wording this kind of poorly. It makes sense just like how insurance for a Ferrari is going to more than a pickup truck or economy car. I just remember someone saying on a forum that they got a ninja 400r and they were happy that its technically a 399cc engine bucause if it was just a bit more the insurance would have gone up to the next class in motorcycle insurance. I just wanted to know if someone can help explain how this works. I wouldnt mind having something stronger than a 250 or 300 motorcycle but if it means that insurance is going to double or something for a 600 or 650 then I may stray away from it because I still have insurance for my car. Also on a side note how exactly does super sport insurance typically compare to standard bikes? For example maybe a gsxr 600 or CBR 600 vs something like a SV650. Both have similarly sized engines but Im sure 600 super sports are more aggressively tuned and other factors. Lastly my one friend had a Kawasaki. I cant remember what kind but it may have been like a 2002 ninja 600? Anyways his monthly insurance was like less then $20 a month! Does anyone know what kind of coverage he may have had. When he crashed it, insurance paid for the damages to the car he hit and for himself. The bike however, was not covered at all. Is this a real thing or am I remembering it wrong? Sorry about the book! I was just curious. Thank you everyone for the help!""

Best places to buy gap insurance and extended warranty for new cars?

either online or in the real world, where is the best place to purchase gap insurance and extended warranty on a new car? i would like to get rate quotes from different places and choose from the best ones. i hear the ones the dealerships offer are too expensive and give them a chance to adujst the overall price of the car in their favor?""

""Does my auto insurance cover anyone driving, if they have no insurance themselves? thanks?""

Does my auto insurance cover anyone driving, if they have no insurance themselves? thanks?""

Can I finance or lease a car without auto insurance?

( I know I need the insurance to drive the car) I am getting ready to purchase my first vehicle, I can afford a hefty down payment, but would like to lease or finance so I can build up my credit. The problem is that I currently do not have any auto insurance whatsoever. How would I go about financing or leasing a car. Am I able to get non-owners insurance and transfer that to the new car, or show it as proof of insurance, or maybe sign the papers, get the insurance on the car.. and then show them the proof of insurance???""

Is medicare considered good health insurance?

how good is medicare compared to an average health insurance plan?

Can you have your SR22 insurance with a different insurance from you auto insurance?

I have my SR22 insurance with one company andy my auto insurance with another company? Is this OK?

Would it really cost me a lot more insurance?

I have a 93 camry and I'm trying to look for a new car to replace it. I asked my insurance company about the cost of insurance for a 2009 honda civic EX sedan 4 door and it was 536 every 6 months. Researched that car more to find out it was in an accident so scratched that car out of the picture. I found a 2007 honda civic EX coupe 2 door and no accidents and i see nothing wrong with it. They are both EX but the coupe is older. Would the insurance be much of a difference?

Most Comprehensive Health Insurance for a College Student?

I'll be going to college in a few years, and I'm fully aware of the healthcare crisis. Although money is an issue, my health is more important. Assuming that money is not ...show more""

What is The Best Life Insurance Policy?

What is The Best Life Insurance Policy? I am Looking For the Best Life Insurance Policy We are having another child and I have to do something about not having any life insurance Can I get A free Online Life Insurance Policy Quote somewhere. Thanks for your time

Allied car insurance coverage?

my 17 year old daughter wants to drive my car but i keep telling her that i have to add her to my insurance so if she did get into an accident the car would be covered. I went online looking for the policys that Allied car insurance had and i couldnt find the answer i was looking for... but i did some searching online and some other companies allow a person that lives within the household they would be covered, or i seen that some companies would provide coverage for new drivers and my daughter got her license about 3 months ago soo i suppose she is a new driver. The other thing i saw was that some companies put coverage only on the car but not the driver. So if anyone knows what Allied car insurance policy is, go ahead and post an answer for me, also please don't just post a link to their site and say well take a look for your self, I will be picking best answer. -Thanks""

How to calculate insurance quotations?

i want to know how insurance quotations are prepared?is there any software to prepare such quotations?what are the factors to be taken into account to prepare such quotations?

How much would car insurance be for me?

I am a 16 year old male in the state of Massachusetts and I'm wondering how much it would cost me to insure a 1986 Monte Carlo SS.

Where can i get really cheap auto insurance. when i turn 18 I am getting my own car and own insurance.?

I don't make that much money probably only about 200-300 dollars a month so I wanted to know where i could get the cheapest car insurance in ME. i don't want to do a car quote now because I am not old enough and I don't actually have my license and a car now but I would just like an average or what around what the cheapest cost is. Thanks

All options for affordable birth control of any kind?

Here's my problem. My dads insurance company (I'm a student, and did qualify for insurance last year through my job so he kept me on his since I'm 19) doesn't cover ...show more""

What car to get for my first that will be low on insurance?

How much for the car and insurance it will cost me ?

How much is car insurance for 17 year old?

how much is car insurance for 17 year old? i want to buy a 2001-2005 Vauxhall corsa 1.2 and i wondering how much the insurance is. also do i have to pay the full amount of insurance upfront or is split into months for example if the insurance is 3000 am i be ale to pay 250 a month

Why is Obamacare called the Affordable Insurance Act if it provides health care?

How much is insurance for a mustang?

I need some help how much is insurance on a 2003 mustang for a 16 year old driver thanks.

Cheap car/insurance for a young lad?

18 year old son has just passed his test. Looked at a Fiat siacento(I know thats wrong but you know what car I mean)1999/1100cc/65000miles/good nick/500,I thought bargain. Until I checked the insurance.... 3000!!! Before I start ranting about the cost of insuring a young lad(and the cost of my own insurance) can anyone tell me a cheap car that is also cheap to insure. Thanks.""

Evanston Illinois Cheap car insurance quotes zip 60209

What is a good car insurance for someone that is 21?

im 21 my car is insured by my moms insurance but she wants to take me off. What are some good options??i live in california and im a full time student.

What is the best life insurance policy for people 65?

need life insurance

""What is a good & inexpensive life insurance, medical insurance & dental insurance?""

I work for a company that doesnt supply any of this. So I need to come up with this on my own, hence the inexpensive part. I am a husband & father of 3 so I would like to make sure they are well taken care of just incase. I would also like a good insurance for us.""

How much would insurance cost for a 19 year old female with a 2006 mustang?

I would like to know a rough estimate for the insurance before I buy a mustang. I am 19 going to be 20.

I want to take a trip to europe how much do motorcycles cost there and how much is insurance?

Im thinking of going to the EU, as kind of like a backpacking trip, but on a motorcycle! I was wondering how things work in regards to prices of Bikes there, and insurance that covers anywhere I might plan to go! I need some help making this idea a reality! Oh I'm 18 and i have both my drivers licence and motorcycles licence, I reside in BC, Canada. Thanks!""

What is a very general cost for motorcycle (cruiser) insurance for a teen?

I am a 16 year old living in Kansas City, Kansas. I just need a very general quote for the annual cost for a cruiser motorcycle less than 600cc. A small bike with not a ton of power. I have taken a Basic Rider Course. I've never been involved in an accident car wise. Would it be wise to just have my dad insure it under his name? Are there any potential consequences for that? I only need liability as the bike is only worth around $1300. I have not bought one yet.""

What is the cheapest car Insurance ?

I own my car. What do I have to carry?

How does low income families apply for health insurence?

My family of 4 has about $32000 annual income. How do I apply for health insurance?

I'm tired of being an agent assistant. What other jobs can i find in the insurance industry?

I have a bachelor in marketing and i've been working as a licensed assistant to an insurance agent. I plan on working here at least another year, but I am interested in learning about other jobs in the industry since our corporate office is nearby. What are some other jobs i can look into? Just looking for ideas, thanks.""

Sure insurance companies cant refuse to sell you insurance because of a pre existing condition but what stops?

Them from charging you more than you can afford for it?

2 speeding tickets in 1 days! USAA insurance. Help Please!?

Ok, so as the title says, i got 2 speeding tickets in 1 day. Yes that was stupid, i know. I am really worried. one is a $205 fine, the other $110 both for speeding 15 mph over. I think it is possible to get defensive driving with one of the tickets because my last ticket was around 2 years ago. Thats the other thing. 2 yrs ago i got in a wreck, my fault and a ticket too + defensive driving. so with all that taken into account. do you think i will get dropped from USAA insurance or how much do you think my rates will rise? Thanks for the help!""

Are Replica Cars Cheaper To Insure Than Normal Every Day Cars?

Would An AC Cobra Convertible Replica Be Cheaper To Insure Than Say A Renault Megane CC Or Saab 93 Convertible

Do you have to have insurance in you're 16 and only have a permit?

I'm 16 right now and i live in California. I really want to start the process of getting my license but my mother says we can't afford insurance for me. So I was wondering, do you have to have insurance even if you just have a permit?""

Insurance estimates on these four cars?

which do you guys think would be cheapest and most expensive on insurance out of these four cars: 03-05 Acura RSX type S (v4 manual) 01-03 Lexus IS300 (v6 auto) 99 Lexus SC300 (v6 auto) 97 Lexus SC400 (v8 auto) What do insurance companys look at, the year and price of the car (the moment you bought it)? If so, I would imagine the two bottom lexus's to be the cheapest, but Im not sure, since they have much bigger engines. What do you guys think? Thanks in advance.""

How much would insurance be ? ?

im 18 years old and i have a 2006 hyundai sonata and i was wonderinq how much my insurance would be every month .

Young mens experiences of high insurance premiums?

Im a 18year old male that has a full Uk driving license but I don't have a car because of my insurance being quoted at 2500. Just wondered if any else had similar experiences and is it any wonder lots of young men go around without insurance.

Insurance (california)?

I'm an international student who goes to college in Iowa. I have a college insurance and I guess it convers most of meetings with doctors. Now, I'm taking 3 months-summer session at University of California. I think I 've heard some stuff that I need to have Californian insurance to stay here. What is this? Is it wrong? Plus, my wisdom teeth is coming out recently. It starts to hurt. Does insurance in America covers dental work?""

How much is insurance on a 125cc?

WhAts a average insurance price for a geared 125

Are trucks cheaper to insure for teenagers?

Im looking into getting my first car and i was just wondering if its cheaper to insure a truck then a car. I am 17 years old and live in alberta canada, everyone tells me that they are cheaper to insure but how much cheaper?""

""Car Insurance, which one is best?""

I am a 22 yr old, i am buying a truck tomorrow an 04 ford f150 and I was wondering what insurance place would be best for me. Ive never had car insurance before (I drove my dads old truck and made the payments and insurance payments but it was under my parents name so it would be cheaper) If anyone has any ideas i would greatly appreciate it!""

Should I get life insurance for my children (13 yrs & 8 yrs. old) ???

If yes, Do you know of any trusting life insurance companies that are affordable ?""

Auto insurance history question!?

I'm trying to get auto insurance for the second 6-month period of having my car. I don't get the question in applications for auto insurance (or getting a quote): Have you had auto insurance for the past 3 years without break or lapse in coverage? Well I have my first car for almost 6 months (fully insured), so I check no . but then it gives me two options: how long were you without coverage: a) more than one month / never had insurance b) less than one month I guess this question is trying to find out if I had a break in coverage. There isn't any break in my car insurance but I only have 6 month history! Is it OK if I say yes to the first question (Have you had auto insurance for the past 3 years without break or lapse in coverage) ? Thanks in advance""

Car Insurance..6 Points..(read on)?

I got 6 points back in 2009 for speeding with a drink drive ban the same night! I don't need any lectures. I can easily say biggest mistake of my life! I done my time and still paying for it. I done a insurance quote without the 6 points and it was 600, with them it is 1300! (the drink drive ban included in both quotes) It is comming up to the 4 year mark where I can now get them removed from my licence, but I have to still declare it to my insurance even though there not on my licence any more..? (rehabilation offenders act..?) I have changed my ways and I drive very sensibly in low litre cars! Never want a fast car! (I am 23) I just use it for work my annual mileage is around 10k. These 6 points have raised it dramatically! Are there any insurance companies out there where I can only declare it for the 3 or 4 years? Or do I have to even declare it atall insurance companies are asking for 5 years, but they are completely off my licence after 4..I would of thought under the rehabilitation act I served my 4 year sentence now a 3rd party company (the insurer) is asking for 5..? Help on this will be greatly appreciated. Thanks""

Can you have insurance on a leased car ? Is leasing a good idea?

I want to have insurance and the car will be a daily driver just around my city .Helppppp

International student health insurance US?

My college requires insurance. I am already in the US so I won't be able to purchase a plan from insurance provider from my homecountry. Can anyone give some suggestions of affordable and reputable insurance provider that you have used? I did some googling but I would want to confirm that the insurance companies are indeed legit. Thanks!

Evanston Illinois Cheap car insurance quotes zip 60209

""Which has high auto insurance rates, santa barbara or vacaville CA?

10 points

""On average, how much does home owners insurance cost?""

I'm filling out somethings for a project for one of my classes. I do not at all need this number to be accurate, I am not going to go and speak with an insurance agent, I just need a number that is about what I would be paying forinsurance if I bought a house.""

Which is the best insurance company in Kenya?

""Insurance estimate on Integra, Mustang?""

Hey. So I am getting my first car in a couple months, and my dad said I could choose which car, but keep it in a low price range. I've always liked Integras, since I was little, and I always wanted it to be my first car, so thats in consideration. And my dad said get a mustang. I would like to know how much insurance is on each? The cars would be- Acura Integra 1996-2001 (LS, RS, SE, GS) Under my dads name (age 50) I would be secondary driver Silver or black or white Roughly 150k miles Maybe 25 miles a day Would buy used around 2000$ - 4000$ Im aware its a luxury car, thus insurance being a tad more expensive How much would you think insurance would be? We have Progressive but I just want a estimate - Maybe like the average of how much people with integras pay for insurance. Mustang 2004 Under my dads name (age 50) I would be secondary driver Black or silver Maybe 100k miles 25 miles/ day Used around 4000$ - 5000$ Not luxury, but its a sports car, Im guessing insurance is more expensive for it""

How much should I expect to pay for car insurance at 37 years? I have a clean record.?

moving out of the city, and I am gonna need to buy a car for my Suburban life!!""

Where can i get health insurance?

i've been on the pc for about two hours now looking for health coverage that does not cost me an arm and a leg and a foot. This is gonna sound like a personal ad, but i dont care,lol I am 20 and i just finished getting my aa this past december, (so i am no longer a college student), i live on my own, my parents do not supplement my income in any way(and they no longer want me on their coverage so thats a no). i have no children, i make about 30,000 (two partime jobs, niether give health coverage for part time employees) I am female, i've never smoked anything, (ciggarette, marijuana, etc) i work out 5 times a weeks( about 140lbs, 5'3), and most of all i live in that crap bowl known as new york. I need some type type of vision dental, medical, etc coverage that is affordable, im not looking for free, but something i can afford (around 0-$75 a month if possible), please help""

Globe life insurance?

how reliable is globe life term life insurance.. and just what are the terms ..

Do I have to pay more for my 16 yr old to drive?

Do I have to pay for a different auto insurance policy (that costs alot more)here in Oregon to allow my 16 year old son to drive our vehicles? I was told by a former ins agent, this is a scam to get more in premiums, when it is not required by law.""

How can I get affordable health insurance because of obama care?

I work but i have 2 kids to support and I Make Minimum Wage.. plus rent and bills.. Does anyone have any suggestions about how i could possibly get health care or what will happen if I just simply cant afford it? And no smart *** remarks like get a better paying job. Jobs are hard to find where I Live and i am making it with what i have. But obama forcing us to have health insurance is making me wonder what Options i have. Medicare? or some kind of afforable health insurance? would love to hear people who are in the same boat i am. and any POSITIVE Suggestion would be helpful. Thanks

Does my dad lose his no claims if I'm added to his car insurance?

I have a query about car insurance. When I passed my test last May, I was told that if I was to have my dad as the main driver, and me as the named driver, and my dad has 9 years or more no claims, then they would have to be reset to 0 years when i am added to the insurance, is this true? if it is, then i'm going to have to stick with the ridiculous insurance quotes... if not, then i've just realised that i could be saving myself 1000! Any opinions appreciated! :)""

Need Health Insurance!?

My husbands company doesnt provide benefits. We have three kids and need health insurance. We have been looking but all the insurance you can find is like $10000, $5000, $3000 deductible, 20% co-insurance, pay nothing AFTER deductible for office visit and $500~$1000 premium.unbelievable!. We cant get states insurance because our income is little high (middle class). What can we do to get regular insurance for my family?""

Insurance and pregnancy?

I had a baby 4 months ago and had insurance from November 2011 until September 2012 ( I canceled as I could no longer afford it.) My husband got a new job and as of January 5th 2013 I will be covered under his plan ( a bit more affordable). The issue is I am pregnant ( very early). Will they consider this pre existing? This was not planned! I has an apt for birth control but my baby got ill and had to pay 3000.00 in medical so I had to push it back and now, I'm pregnant again.""

How much does insurance cost for a gas station in NH?

If I was to open up a gas station in NH how much would the insurance cost per month or year? Assuming I had an average amount of coverage and was running it as an LLC.

What's an average for tax and insurance cost for commercial property of very low rent?

I need to know what I'm at least getting into before I jump in headfirst. before starting all you need to know is that this is the space I'm looking at http://commercial.exitrealestategallery.com/homes/1738-Kings-Ave/17576657/?index=17 And probably be using it as a non-alcohol club/ rental and recording space for musicians.

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?

What insurance is the cheapest a month?

for a 16 year old that drives a 98 ford explorer 4 door 4wd. 4.0L V 6. it has a lift on it i dunno if that effects it at all. i;ve looked around but all it shows is like 2 grand. and i know it aint 2 grand cause my cousins 17 and she has an 05 mustang gt. by the way i live in tn. dunno if that helps. and i have 230,000 miles. no wrecks or sitations.""

Is Mitsubishi Lancer Coupe considered a Sports Car in Insurance?

Hi, im in australia planning to get a lancer coupe, not the sedan. they range in late 90 models. I cant tell if theyre a sports car or not by insurance companies. (sports car are more expensive). a small low budget economical 1.8L car wouldnt be classified as a sports. But then lancers were originally used in rally races. Can anyone tell me if this lancer would have higher insurance costs than a 4 door sedan version.""

How much will my insurance go up if I am at 100% fault ?

I was in a car accident that was found to be 100% my fault. Accident itself was not too bad -- other car's front bumper( one side) dent.. so how much should I expect my insurance to increase ?

Automotive Insurance?

Insurance designed to protect an insured driver or owner from the claims of others is called: collision insurance financial responsibility insurance liability insurance comprehensive insurance

Auto Insurance ? Never had it. Can anybody help.?

I have called for quotes.. to many auto insurance companies. But since this my first time purchase I am confused, Can someone break down the features of a policy, what am i to have, what is reccomended. thanks , any details will help.""

Convertible insurance?

I'm a new driver and have been browsing car dealerships for an affordable car. Right now I'm interested in a 1998 Chrysler Sebring Convertible LX. I was just wondering on average how much more insurance is for a convertible than a non-convertible?

Estimate for car insurance for 18 year old?

I live in Houston tx, like the top said I am a 18 year old male, I have a 2012 ford mustang v6. It is paid off, and I want to sign over the car from my parents name to mine cause they live in a diffrent city but that means I would have to start paying for insurance. Which is fine but do any of y'all know about how much I would be paying. I will only want liability, or if I can afford it full coverage. I don't want to get quotes from the insurance companies themselves because after that they constantly email call and mail you stuff and its annoying. Anyways thanks for the help""

Affordable health insurance??

I asked before but i am looking for a health insurance that covers meds, eye checks, dentist, womens problems, in the united states.""

What is the average cost of mobile home insurance in California?

Does my car insurance help me get another car if my car is totalled?

I was in a car accident last week, which wasn't my fault. The auto body shop said my car is totalled because of the damages, it can't get fixed. The other person's insurance is going to pay it off because of the loss, I have full coverage and my question is, can my insurance get my another car or do I have to get it myself? I got it in April, gave a down payment, and have only made one payment. I need a car badly for work!!""

Evanston Illinois Cheap car insurance quotes zip 60209

How can I put my girlfriend (8 1/2 years and still going strong) on my health/dental insurance?

Hi guys, so I have asked my job and it seems the only way I can add her to my health/dental insurance is if 1) we are married or 2) if i provide proof of living with her for a certain amount of years. There has to be some loophole because I really think it is ridiculous that we have been to together since we were 16 and I cant add her or help her in such a way. There is no possible way, in timeline, for us to qualify for such rules. 16-18 years old (in high school and lived with parents), 18-23 years old (Attended separate universities and lived in different cities), 23- 24 1/2 years old, (both living with parents back home, we alternate and stay at each others place, so have no set home or bills in our name, such as direct tv, electricity, internet, you name it. we are blessed with awesome parents) and yes we have though about just getting married, but no way... we are waiting until we are established and can fend for ourselves to make a decision like that, but yes we do want to get married some day, but not over screwing the government or other reasons. Also we live in california if that helps, since i know every state varies, thank s guys!! ^_^""

Insurance for second car?

hello i ma a taxi driver with psv insurance my son has recently bought a car and wants me to put me down as the main driver to keep the premium as low as possible. what i want to know is can i have two policies one private and one psv???

Would it be a good idea for insurers to give a % of income they give out in claims?

We all look for the cheapest premium, but we have no idea how they would perform if you had to claim. I heard somewhere that car insurers give out much more that household insurance (or vice versa) and can't understand why.""

""Would this health insurance be accepted in my ares ,lubbock and shallowater texas?""

i need to know if this health insurance would be accepted in my area,lubbock and shallowater texas?""

How Much is a car note usually for a 2006 Chevy cobalt or any 2006 model? and car insurance for a 20 year old?

Arizona Law on insurance pulling your driver record ?

does anyone how long (in term of years) can an insurance company pull your driver record? i know here in Arizona i can pull my record from servicearizona.com for 39month. but some people tell me they can pull up to 5 years from your record.

""I need some cheap car insurance. I have a 2005 suburvan, a 97 chev pickup and a 97 mercury tracer.?""

I need some cheap car insurance. I have a 2005 suburvan, a 97 chev pickup and a 97 mercury tracer.?""

Poll: How much do you pay for auto insurance per year?

could you do me a favour and also tell me what kind of car you drive, age, and gender? don't worry not trying to stalk anyone or something, I just want to see what do most people pay for insurance. I don't know much about what's a good or bad price, all I know is the rate for the car I want and I want to see what it is compared to other people's rates. if you don't want to answer you don't have to because I know some people might not be comfortable saying this stuff to strangers. also any offences? thanks!""

Found a nice place for those who need free auto quotes?

Hey there just wanted to let everyone know i found this great site for free auto insurance quotes, its saved me $32 off of my montly policy. Read some of the auto insurance articles to help you save more. Http://www.free-auto-quote.com""

What is the best life insurance for seniors?

age 53, will retire in 2010 - federal employee""

Are there any Uk car insurance sites whose multiple car insurance quotes actually do work out cheaper than?

separate for each car

Insurance cost for Corvette?

Hey I'm 16 and have quite a bit of money saved for a car so im gonna get a decent one nd i was thinking a corvette. I was wondering about (I know no one knows exactly) how much the insurance is going to be on like a 00 or 01 model. Also if you know insurance cost of a 350z too that would be great. Thanks for the help

If i cancel my car insurance will the rate later go up?

If I cancel my current monthly car insurance plan for my car, will getting a new play later down the line increase its premiums? i am wondering a few months down the line, or other time frames. i will not drive my car after this cancellation. currently my annual insurance is around $5,600.00 I am 24, male, live in toronto.""

How much is it to include your teenage child in your car insurance plan?

My daughter is going to get her license soon and will be driving the family car with us.. how much will it cost to add her to our insurance plan?

How can I find out what my employer pays for my health insurance?

My employer tells me that they pay 70% of my health insurance premiums, but looking at the amount my 30% portion is and calculating the total, it would be a ridiculous total premium. So I think that my employer is lying to me about the percentage they pay. I tried calling the insurance company to find out what the total premiums are, but they would not tell me. Is there a way that I can find out what what the total premiums are on my health insurance plan?""

Cheap Car Insurance For Young Adult?

I am 19. I just bought a car that needs to be plated. Its a 2002 Daewoo. (model name Lanos). I need to know the cheapest insurance I can put on the car. Ive never had any tickets or violations or trouble with the law. Ive never even been pulled over. I live in Indiana. Any suggestions please let me know. Also, I just moved to Lake Station from Elkhart. I guess you have to go through emissions to get plates but since its an 02 I dont believe I need to do it this year. However, I may plan on going back to Elkhart & thats where my lincence is from. Could I tell the BMV that and they plate it as Elkhart? & I wont even have to go through emissions?""

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)""

Where can I find a comparative listing for auto insurance rates?

I am 19 and own a 1978 camaro in Michigan what would be the cheapest insurance company?

Insurance and juniors lisence?

My son just got his Jr's license will my insurance go up? Or does he need a Senior license for that

What is the best but most cost-efficient insurance for a 22year old male driver who just got his license?

Used, older car (either 1990 honda or 1995 toyota). Just got his license. Want decent insurance but not outrageously price. Any help greatly appreciated - thanks!""

Can any body tell me what is the lowest online car insurance company?

i have an old car and sometimes i use it but i think i pay too much to insure it $55 a month and it is just liablity insurance and i am looking for an online insurance company that can give me a very low rate

Car insurance?

my car insurance is $1537 i dont know why im 18 years old have a kia spectra 03 drive 2 hours to school everyday can anyone pls help me

Does not paying car insurance affect Credit score?

I haven't paid my car insurance on time. But I haven't gotten mail saying last notice or the company hasn't even bothered me about it. Will this make my credit score horrible? how do i go about fixing it? thanks!

Is there affordable private health coverage available?

My husband lost his job and my autistic son takes strattera($640) and abilify($220) a month. Is there any programs that help with cost or a good private insurance plan out there?

Evanston Illinois Cheap car insurance quotes zip 60209

https://www.linkedin.com/pulse/what-cheapestreliable-car-insurance-company-miami-florida-williams/"

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Eastham Massachusetts Cheap car insurance quotes zip 2642

"Eastham Massachusetts Cheap car insurance quotes zip 2642

Eastham Massachusetts Cheap car insurance quotes zip 2642

BEST ANSWER: Try this site where you can compare quotes: : http://freecarinsurance.xyz/index.html?src=tumblr

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Eastham Massachusetts Cheap car insurance quotes zip 2642

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Eastham Massachusetts Cheap car insurance quotes zip 2642

Car insurance arghhhh !!! help?

OK how does this sound to you guys? my mum has two cars one of which is insured with me as a learner im 19 and my sisters as a full driver 22 she is also insured with her own car but on my mums so she culd take me out to learn and for emergency reasons ok so the second car is going to be insured under the same company on a diffrent policy with my mum only. aparently this sounds suspecious ?? pepole think the 1st car is mine but its NOT my mum will be the main driver on both i she will decided which car she takes one day and which the other not me but she got the second car because my sister who is insured on the policy aswell well her car broke so she took a lend of my moms which was annoying for my mom coz she needed it and when she takes me out to learn my mom got fed up waiting till we come back to she jist got a second car to aviod that ! when i pass my test yeah i will be a full liceance on the policy im currently on but that does not mean it will be my car ! only time i can driver it is if my mom or older sister is not using it. BUT ppl are convinced its mine and all that ? surley an insurance company cant refuse to insure???

""I totaled my car and it was my fault, how much will i get from my insurance company, please help??

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Considering the kind of questions we are getting by 16 year olds regarding car insurance we could safely assume that they aren't ready to drive at all! Maybe raise the minimum age to 18? Might even save a few lives!

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""What is the best choice for life insurance age 34 term, universal, whole, accidental?""

What is the best choice for life insurance age 34 term, universal, whole, accidental?""

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I had full coverage medicaid(and dental) up until I turned 19, and my wisdom teeth have just recently come in and I have cavities in them because I can't reach them with a brush. I need to get them removed immediately and another beginning cavity filled. I am independent but I only have a part time job and I need to deal with this immediately. What's the best way to get insurnce through the affordable care act? Links & recourses would be appreciated. Thank you.""

All car dealerships require full coverage on insurance? ?

Full coverage insurance cost me around 400-600 a month because im 18 and want a sports car do all dealer ships require full coverage to make monthly payments?

Car Insurance Gangsters :(?

Car insurance for me is $7500 for 6 months? That's buying my car twice !! Idk why I didn't wait and be patient. Now I feel like I'm stuck with this car that I just purchased because there's no way I can afford that kind of car insurance. That's just unbelievable. I've been researching and researching and I finally felt like I was ready to start driving. I see people my age on forums saying they only pay $200 a month so I figured I would be paying around there maybe even a bit more but $1000 a month? Smh,, I can't do that. I don't know what to do. Should I try to sell the car I just purchased? I signed the papers and all smh. That's just ridiculous. Almost $1500 a month smh. Idk what to do man, please give me some advice. Maybe there's a not so good insurance company that can insure me for cheap? I don't plan on getting into any accidents. I don't even think I want to drive anymore, that quote has me going nuts right now.""

When should I apply for car insurance?

I've been a named driver on my boyfriends policy with the car being in his name for the past couple of years. Now he has a company car and I need the previous car to be insured in business class for my work, we've sent away the forms to the DVLA so I will be the registered owner. But I'm wondering, whether now it means our previous insurance covers the car which i'm still driving daily or not, so should I apply for my own insurance now for when the documents come back or wait until after I recieve the documents!? I'd hate the thought of being pulled over and getting points on my licence for not getting this change over correct! Thanks for any help!""

Car insurance?

How much is insurance going to go up if you had 2 accidents under the time of 3 months. First accident wasn't our fault but second was.

Does anyone know of Grange Insurance Company?

My insurance agent recommends that I switch to Grange because they will give me a much lower rate than what I currently have, with the exact same auto insurance coverage. But, I have never heard of this company.""

""I need individual health insurance, im 16?""

Hello everyone, im looking for individual health insurance. I am 16 needing surgery on my right knee which has a Torn Miniscus. i need it immediately with a decent pay rate. Thanks in advance""

Car burned in fire with no insurance.?

My car was at the mechanic's shop in my local town and was parked behind a house that sat in front of the shop. The house caught on fire throughout the night (we don't know ...show more

What is the easiest way to have insurance?

My unemployed mom spoils my 12 y/o little brother everyday and I only work 14 hours. I've tried applying to 30 stores but my AA diploma is worthless.

""CA life, accident, and health insurance state exam?""

I have completed ExamFX which is 52 hour online course. But I'm not sure whether it's enough to pass the state exam. How complicated and tricky is it? And, which websites can I get sample exams from? I'm currently working on this... http://quizlet.com/2415904/ca-life-state-practice-exam-pt-1from-exam-fx-online-test-flash-cards/ It seems it only includes life insurance... and I'm not confident of my English skill because it's a second language. Please give me an advice to pass the test which is coming in one week.""

What is the difference between farmer's insurance and state farm?

I'm confuse. and what is the best insurance company.

Classic car ownership in the UK; apparantly there's an advantage over other cars such as cheaper insurance or

tax, or MOT, but I can't remember what...anyone know?""

What if insurance wants to change my sons counselor?

He has been seen by an out of network provider for over 6 years and approved...now at the age of 13 they want to force me to get a in network provider. My son has flourished with this counselor and trusts him...why should he have to change? Haven't the insurance company set a presidence? Any good web sights I can look this up on? Any help would be appreciated...I plan on fighting this.

Honda cbr250 insurance vs Kawasaki Ninja 250r?

If anyone could tell me the insurance rates for both bikes for a 16 year old male rider. I live in Ontario but any canadian rates, or american rates would be appreciated. Rates per year or per month is what I am looking for. If you can give the rates for both bikes or just one bike it would be appreciated. Thanks.""

Can anyone explain life insurance to me?

Can you insure the whole family? As if, if any of them passes away the rest get the money?""

Eastham Massachusetts Cheap car insurance quotes zip 2642

https://www.linkedin.com/pulse/which-car-insurance-company-cheapest-you-have-many-points-slater/"

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