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There may be various reasons for you going in for a change in the insurance policy. It may be that you had hired a driver or you might have changed your old car.
Do you know what Companies that give some cheap Auto Insurance?
I’m 7.5 months pregnant. My boss has decided to switch insurance companies. This is nothing new. We usually do once a year. He gave us two options. Both options are horrible and are higher deductible/ less benefits and more premium. I declined to take the new coverage, hoping to get state funded insurance. I’ve taken a demotion and fit the guidelines. I’ve never been without insurance my entire working career, so I’m nervous.
Upon declining, my boss said that I would not only have to sign the waiver, but that I would have to get on the “rapid fire form” that we set up to get quotes and decline there. This is what I don’t understand. Is it possible he’s trying to make it look like less employees wanted insurance? Don’t you need a certain percentage of employees to get group coverage? There has been quite a bit of opposition to these new plans and we are a relatively small auto dealership. Any info is appreciated! To clarify 7500 deductible; 145 weekly premium; 400 obstetrical co-pay to be paid every office visit.I’m not lying.this plan is horrible.what coverage?!?
Is my boss scamming workers and insurance co. concerning health insurance?
I was online getting quotes from Progressive, Geico, ETC My point is I put down all of my real info. I have never been in an accident or gotten a ticket (been pulled over forgetting to put my headlights on, was just told by the cop it was unsafe, lol). I put down on accident, not paying attention, I got my license first at age 16 as I missed the question and left it default at age 16 and my quote was $110, When I fixed it to I got my license at age 19 and all other info wasn’t changed my quotes went from around $110 on 5 different companies to over $200 a month!?
*First license at age 19
*Never been in any wreck or gotten tickets
*I had car insurance on a 2002 Chrysler Concorde till it exploded last June and canceled that policy as I didn’t have the car anymore as a new motor and tranny was too much.
*All the quotes I am getting is for Liability only to see my lowest possible amount per month
*Just bought my first first car since not having one since last June, a ’91 Accord with clear title and carfax, my second car over all
*I am only 21 now, 22 in may
*When I had liability plus comp and collision on my Chrysler it was only $162 a month, Liability for an even older car is about $45 more a month with no coverage for the car, only the people (liability)
How can I lower my quoted rates like I used to? And mind you I went back to the same company that was comp and collision that was $162 a month (Safeco) and now Liability is $207 for a ’91 Accord. (Still the lowest I found was safeco at $207)
What Am I doing wrong or what have I done in the last year since not even owning or driving a car and busing around town only could have tarnished my ability to get even affordable liability?
Auto Insurance higher because I “was” 19?
I am existing Geico customer and got a quote from High Point which is saving me 35% on my 2002 Acura TL. I need some inputs on High Point. Is this a reasonable good company? How is the customer service & the claim process?
Your experience would really help me.
Thanks for your time.
Dilip
High Point Auto insurance in NJ, USA?
Right now I am with nationwide paying 81.10 a month. To get the same plan with progressive would be 56.02 a month. If you have progressive or used progressive before, are you happy with it? Nationwide has always been great for me, they’ve always come through and I have accident forgiveness and minor violation forgiveness with them, I know that my rates won’t go up if something happens to my car. Also I have the same rep, I can always call in and get the same person who has overseen my account for years. When I called progressive, its like I was talking to a high school student and she couldn’t really give any real answers to anything. Its like the customer service is just not on a professional level at progressive.
Also, I saw on my quote that the rates are “subject to change”. Bottom line, for people who have had multiple car insurance companies, did you like progressive or not? And I know some insurance companies just jip you so much, like say you can only get used parts for repairs, nothing new, so I’m worried about that as well, if progressive does cheap crap like that to keep their rates low. Okay I know that I can get lower rates, my question is, do I lose quality of service with the cheaper insur. companies? Again, I want insurance so that if something goes wrong with my car or get in an accident, that it won’t raise up my rates immediately, and that I can get quality repairs done to it, not just some crap used parts by a crappy mechanic.
Is Progressive auto insurance any good?
Here’s the details
I was involved in a minor traffic accident that was clearly the other party’s fault. I filed my claim, gave my statement, and am going tomorrow to get a quote for repairs. Today, the man who hit me (who has been really nice and apologetic) called me offering to pay me cash for repairs if I drop the claim. Now, I have no problem with doing this if he can come up with the cash, as I see no need to drag him through the mud over it. However Is it possible to do this without affecting my insurance rate? Can I simply call and tell them I’ve reached a settlement with the other party and have them drop it? Or will they likely have a problem with this? I told the man I will get back to him tomorrow regarding what I’m going to do. Thanks for your help.
Cancelling an Auto Insurance Claim?
I answered a question here, and it was flagged. I thought the answer was good, and I couldn’t see where it was against the community guidelines, so I appealed the flag. However, I ended up losing the Yahoo Answer moderator (not sure what they’re really called) decided it was a solicitation. However, I can’t see it. Do they think I’m soliciting on behalf of Google or Bing?
Here’s the answer and their decision:
“Can you pay monthly vs. yearly or semi-annually? $2000 per year, while it looks like a lot, is probably pretty decent given the situation. Actually that’s $166 monthly (plus some fees if you actually pay monthly). that’s not bad at all, sorry to say, and I haven’t been 18 for a long time I paid much more than that. You should look into high risk auto insurance providers. I know that around here, they advertise on local TV all the time ‘insurance for as low as $45′ while it’s virtually impossible to get insurance that low, I was paying less with Titan Insurance than I was quoted for Allstate, Progressive, and State Farm (about $3,000 yearly) You won’t get a rate anywhere near that, but these flat-rate, high risk providers tend to offer lower rates for high risk drivers than mainstream insurers do. To find a high risk insurance provider (broker, preferably) locally, search Google or Bing for ‘high risk auto insurance’ + state name + city name (or some variations without the quotes). For instance, if you live near Birmingham Alabama, search for ‘high risk auto insurance birmingham al’ or something like that. Google may be better as they tend to provide local listings alongside the web-based listings. Alternately, get a quote from every single insurance company that you can find. It’ll take a lot of work, but if you use an online insurance broker (they help you get quotes from multiple insurance companies simultaneously), it’ll save you some time. Good luck.”
Violation Reason SolicitationWell, I always have lost my appeals but on this one, I thought it was a helpful answer, so I tried to fight it.
Maybe it’s not possible to win an appeal, then? That’s quite ridiculous if that’s the case. It wasn’t just the initial report, it was after my appeal and when the Yahoo Answers staff or their contractors decided this was a solicitation.
After the first answer here, I got to thinking about it I’ve appealed a small handful of flags since I started on here, and I’ve lost each appeal, though this is the only one that I can think of that told me which Community Guideline I violated.
It’s just aggravating to put in a decent effort to answer a question to have some slow-wit with tenuous grasp on basic word meanings and context to say this as a solicitation.
In the grand scheme of things, this isn’t a big deal I just have little tolerance for incompetence and it irritates me because their reasoning doesn’t make any sense. Riki no offense meant, as you apparently have spent a great deal of time here but answers ARE suggestions. People are coming here to seek help suggestions and if suggestions are solicitations, nearly every single useful answer on this service is in violation of your version of the Community Guidelines.
It’s absolutely ludicrous to even entertain the thought that a question and answers community prohibits users from giving others suggestions in their terms of service / rules. Riki I apologize in re-reading your answer a few times, I’ve come to the conclusion that you probably meant you were giving me a suggestion, not that you were suggesting that suggestions were solicitations.
Which, I would compare my poor interpretation to the deplorable job the moderators did with my appeal but it’s different as it’s their ‘job’. Though, again I apologize for my ‘dimwittedness’.
I’m just going to drop it I’ve let this trivial thing consume too much of my energy today.
Thanks for all of your responses.
Need somebody who can think like a Yahoo Answers moderator?
A friend has 3 accidents in her driving record. She got an auto insurance quote without mentioning any accidents. The company sold her the insurance without any further verifications.
Is that a big problem? In case of an incident in the future will the company check her records and create any problems like not approving claims or so? Should she just ask for a refund to prevent further problems.
What is the worst that can possibly happen? We are kind of newbies here. Please advise
Auto insurance quote with unreported accidents? What will happen?
I currently have Progressive and I’m paying 150 per month for liability. I got an online quote for Nationwide that was 10 dollars cheaper per month, was for full coverage, and the deductibles were 500 dollars. Is Nationwide a good insurance company? Do they offer low rates, and the raise them after 6 months?
Nationwide Auto Insurance?
So I got this error:We are unable to provide you with an insurance quote at this time because you have placed a security freeze on your credit file. This freeze prohibits all third parties, including Progressive Direct, from accessing your credit information without your permission. In order to receive a quote, please contact the credit reporting agency (CRA) that you instructed to freeze your credit report, and ask them to temporarily lift the freeze. We value your business, so please revisit our site to retrieve your insurance quote once the credit file freeze has been lifted.
I’ve never frozen anything! Please help?!
I tried to get a quote on auto insurance and got this error message from them.? Frozen credit?
This is a very trying personal situation for me. The note might be very lengthy but I would sincerely appreciate if someone can help me with this situation.
I have an Adjustable first and Fixed second mortgage on my home where I have lived as a principal residence for 2.5 years. The following are from the mortgage agreements that I have:
Rider to Note and mortgage 1st mortgage
If during the term of the loan, lender discovers property is not being used by borrower as primary or secondary residence but for rental purposes, then lender will have the option of immediately increasing the interest rate by 1%, margin by 1% and annual and lifetime interest caps by 1%
Certificate of residency
I have signed that “During the term of the mortgage loan, I intend to use the property as my primary residence and it will be owner occupied”.
Fannie / Freddie Mac Uniform Instrument Form 3031
Occupancy Borrower shall occupy, establish and use the Property as Borrower’s principal residence within 60 days after execution of this Security instrument and shall continue to occupy the property as Borrower’s principal residence for atleast one year after the date of occupancy, unless lender otherwise agrees in writing, which consent shall not be unreasonably withheld or unless extenuating circumstances exist which are beyond Borrower’s control.
Occupancy statement
I will occupy the subject property as my principal residence as required by and in compliance with the terms of the Deed or trust / Mortgage / Security instrument relating to the subject property.
Now to my personal situation. I bought this property while I was married. Around 1.5 years back, my wife abandoned me and is now in India. A divorce case is currently going on in India and we are negotiating a settlement agreement where she signs over the deed to me. But this has already taken 1.5 years and I think she might try to prolong the process. Filing a divorce in the USA is not an option at the present time. She has not invested anything in the property. I have been paying my mortgage and all bills on time. Additionally, I am commuting 2 hrs to work each day. I am finding the burden unbearable of paying the mortgage for such a huge house living as only one person in the house and commuting back and forth from work each day. I consulted attorneys in the USA and they pretty much told me that I can neither sell the house or refinance it without her signature even if she has lived with me for 1 day in the house. I have excellent credit and don’t want to ruin it by going into foreclosure. As a result, I am renting out my property starting next week to minimize the burden on me. The rent will not cover mortgage and I will foot the difference but atleast I don’t need to ruin my health by driving to and from work for 2 hours everyday. I have the following questions:
1. Given the clauses in my mortgage agreement that I quoted above, am I ok with renting the property out?
2. I already have a lot of financial burden and instead of dropping the ball, I want to stick to my commitment and honor the loan but would like to wait for my wife to sign over the deed. In the meantime, I don’t want my mortgage company to raise the rate on the loan. How do I ensure this? Many people have told me not to tell my mortgage company that I am renting the place.
3. I am not planning on telling my mortgage company but how do I ensure they don’t get any suspicion when I change my address? Should I just tell them to use my office as the mailing address since its more comfortable to access mail?
4. My home and auto policy are with the same company. Obviously I will be changing the address on my auto policy. But, I have a suspicion that if I change the address, the home insurance policy will know of the same and immediately notify my mortgage company. So, what is the option here? Should I get a new home policy and ask them to use my office address as the mailing address and leave my car policy as is?
Thanks for your help. I said filing a divorce in the USA is not an option since there are existing proceedings going on in india.