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Sports Car Insurance Choices

February 21st, 2012 admin

Sports Car Insurance Choices

You cannot go anywhere without somebody giving you their advice about sports car insurance. You do not know if they are telling you good information or just what they might have picked up on from unknown sources. If you want the real information and want to be your own expert on the subject, this article is for you.

Sports Car Insurance Alternatives

Keep your insurance budget in mind when you are actually purchasing your sports car. Even if you are not out looking to purchasing a new vehicle, if you ever are, keep this in mind. Certain automobiles are much more costly to insure than others. That sports car could end up costing you loads of money even years after its purchase.

One way to keep your car insurance costs low is by not buying a sports car. Insurance companies charge higher rates for sporty vehicles since they have higher horsepower, tend to be driven by younger, riskier drivers and are notorious for moving at high speeds. Sticking with a modest, mid-size vehicle may not be much fun, but it can help keep your sports car insurance rates affordable.

The type of vehicle you choose to drive can affect the cost of your car insurance, particularly if you drive a sports car. Insurance for sports cars is typically more expensive because these cars have a high theft rate and poor collision performance. However, it pays to shop around because different insurance agencies have different methods of deciding what defines a sports car. While any small, fast car with two doors is generally considered a sports car, the question gets trickier when it comes to four-door cars. Just because one agency classifies your vehicle as a sports car doesn’t mean the next one will do the same.

More Sports Car Insurance Suggestions

Keep your record clean! Your driving record is the main thing that insurance companies look at when deciding what to charge you. It is more important than the car you drive and your credit rating together. Even getting a simple speeding ticket can set your premiums higher, so keep your nose clean!

The type of car that you drive can have a dramatic impact on your auto insurance rate. Sports cars, high performance vehicles and autos frequently targeted by thieves, all result in high rates for the driver. If you are considering purchasing one of these vehicles, make sure you can afford the higher insurance rates as well as your loan payments.

Everyone knows that a Ferrari is an expensive car, but what you may not know is that the insurance will be vastly more expensive as well. If you have your heart set on a car like this, make sure that you consider the increased prices of the insurance as well. At times sports car insurance can be as much as 4 times the price of a normal car.

Final Facts on Sports Car Insurance

Being able to rely on your insurance after an accident is wonderful. It alleviates stress at a time when you really need to be able to relax. The advice in this article will be a great help in your search for sports car insurance. No matter what your needs are, these tips will be an asset.

Florida Car Insurance

February 29th, 2012 admin

Florida Car Insurance

For those who are looking for the best car insurance in Florida, don’t forget that the insurance requirements are as follows: $10,000 for personal injuries protection, also known as PIP, and $10,000 for property damage liability, known as PDL. The Florida auto insurance specifications must be fulfilled by each and every driver or vehicle owner who wants to register and buy tags for his or her motor vehicle. You can’t opt not to obtain car insurance by rationalizing he simply will not register and also tag his or her car. Vehicles have got to be registered and also tagged in order for the vehicle to run lawfully on the roads. The minimum insurance prerequisites also apply even if you’re not driving your automobile within Florida, or if your vehicle is just not operative.

Florida Car Insurance Wisdom

When you are purchasing car insurance in Florida you need to know and understand all the coverage types under your policy so that you know where you are covered and what exactly you are paying for. Things like uninsured motorist protection, for example, covers injuries that you get or the people in your car get. This is used when the other driver doesn’t have insurance or if there was a hit-and-run.

Florida Car Insurance

If you have moving violations or accidents on your driving record that are close to expiration, wait until they are off your driving record before shopping for a new Florida auto insurance policy. Driving record is one of the factors affecting premium, so waiting a few extra months can save you significant money if negative events are nearly off your record.

For people with vehicle insurance from a Florida insurance firm, your insurance policy is evidence in all states as being covered by insurance whenever driving a car. In case you have a car accident on a trip in the country, you’re susceptible to the same penalties if you don’t have proof of insurance from Florida. You’ll have to have evidence of insurance coverage where ever you travel to insure should you be stopped for a speeding citation, you can demonstrate you have insurance.

Florida Car Insurance Methods

If you have a car that is considered to be a classic or special model, you may want to consider joining an auto club that is related to your vehicle. Many auto clubs in Florida offer insurance discounts that could end up saving you thousands of dollars a year, while also having reliable and trustworthy car insurance.

If you have developed a history of trouble-free driving over the course of several years, inquire with your Florida car insurance company about a no-claim discount. Many companies offer these discounts for reliable customers they have not had to pay-out for. Some companies apply no-claim discounts automatically; with others the driver must inquire. It never hurts to ask!

You should decide wisely how much coverage you want. You will need basic coverage, but you can save money by paying less every month and saving up some money in case you get in an accident and need to pay for repairs yourself. If you do this, make sure you always have enough money available to pay for repairs.

Final Answers on Florida Car Insurance

Auto insurance keeps you, your car and your passengers covered. This article has covered some pieces of advice on how to better manage your Florida car insurance matters. Keep these tips in mind as you deal with insurers or shop for coverage and you are sure to drive your way to less stress.

Best Car Insurance

February 28th, 2012 admin

Best Car Insurance

With so many different automobile choices and so many insurance companies to choose from, things can get confusing in a hurry if you don’t know how to navigate through your insurance options. Check out this article and learn some great tips you can use on finding the best car insurance to save money and protect you from loss.

Best Car Insurance Varieties

To save money on your insurance, clean up your credit report. Most auto insurance companies use FICO scores as an aid in determining your premium. Apparently there is a correlation between low credit scores and traffic violations. Raising your credit score may not improve your driving skills, but it will put more money into your pockets.

Best Car Insurance

If you find yourself changing jobs to a company that is closer to your home than your previous employer, you may be eligible for a significant discount in your monthly premiums. Contact your insurance provider and inquire if your agent can offer you a better deal based on your shortened commute distance and time.

Many people pay more than they have to for accident coverage on their auto insurance. It is important to have coverage for accidents, but it is highly unnecessary to pay more than what you have to pay. Make sure you are not just accepting coverage levels that you do not need.

Best Car Insurance Tastes

Check to see if your auto insurance company has a discount for not filing claims, the best car insurance companies will do so. Sometimes if you haven’t had any claims for a period of time, you may be eligible for a discount. If they aren’t upfront about the discount, ask them. Having no claims can reduce your insurance.

Automotive insurance can be expensive but to go without it can be a costly mistake. One thing you can do to reduce the premium amount is to combine your auto insurance with your home insurance, or any other insurance you might have. Insurance companies will give the best car insurance rates if you bundle your insurance needs and buy them all at one company.

Carefully examine any extra options included in your auto insurance premium, because you may not need all of them. One of the most common additional options you might be paying for is roadside assistance. If are already a member of an automobile club that offers roadside assistance, you can drop this option from your insurance plan and save some money every month.

The premium you pay in regards to your auto insurance policy can be affected by you. Several factors that you cannot control well may have the greatest impact on your auto insurance costs. These factors include your age, gender, and driving record. It is these things that are key factors that affect your premium.

Final Facts on the Best Car Insurance

These tips have given you a lot to think about. If you drive, you have to have insurance. Your insurance policy can give you a sense of secure coverage. Also, as these tips have shown, a little research can give you this security at a good price, perhaps enabling you to save hundreds of dollars every year once you locate the best car insurance.

Affordable Car Insurance

February 26th, 2012 admin

Affordable Car Insurance Coverage

Auto insurance policies can be confusing, and you can easily put yourself at an unnecessary disadvantage if you do not take the time to inform yourself before getting your policy. The most expensive policy is not always the best policy either. Why not take the time to read through the following tips? They can help you get the most affordable car insurance for your money.

Affordable Car Insurance Personal Preferences

When purchasing car insurance for your teen, remember that there are a number of ways you can get a discount. If your teen: has taken Driver’s Ed, maintains good grades, drives a car that is older, a four-door sedan or a station wagon, and/or any color but red, you could save a lot of money!

Having your VIN number etched into your window can lower your insurance premiums up to 15 percent. Sometimes the VIN number is already etched into the car’s window, but will raise the price of the car $300 to $900. You can also etch the number into the window yourself for $19.95.

When shopping around for car insurance, ask the company if they give a discount for insuring multiple cars with them. If your spouse has insured their car with a different company, or if you have multiple vehicles yourself, it typically makes sense to have all household cars insured by the same company if it will cost less.

More Affordable Car Insurance Help

Auto insurance is very important. Before you take the risk of harming others by being an uninsured driver, look into purchasing the bare minimum of insurance required by the state in which you live. There are several options for paying as well, you can pay monthly if it is more affordable for you.

An important consideration in securing affordable auto insurance is the condition of your credit record. It is quite common for insurers to review the credit reports of applicants in order to determine policy price and availability. Therefore, always make certain your credit report is accurate and as clean as possible before shopping for insurance.

When shopping around for an affordable auto insurance policy you should consider using sites on the internet to get quotes. Sites such as this will let you run one check and receive different auto insurance quotes, which will allow you to determine which insurance policy is the best one to suit your needs.

Affordable Car Insurance

If you are looking to spend the minimum amount possible on auto insurance, you should research what your state’s laws are on required coverage. Many auto insurance companies and brokers will try to convince you that you need certain types of coverage to get you to spend more when legally you do not. Being aware of precisely what is required will help you to shop for the most affordable plan.

A great tip for getting affordable auto insurance is to consider dropping your coverage if your car is only worth a couple of thousand dollars. Since coverage pays for damage to your vehicle, you would only need to have a couple of thousand dollars to replace the car. Therefore, there is no need in having high coverage in this instance.

A great tip to getting affordable car insurance is to make sure that you have an accurate policy. You should make sure your current policy matches your situation because if it does not, you could be paying more when you do not have to. This includes your vehicle information and yearly estimated mileage.

Final Professional Guidance on Affordable Car Insurance

Some might say insurance is becoming like death and taxes, simply one of life’s unavoidable unpleasant experiences that we don’t have much control over. Hopefully, this article has shown you otherwise and has armed you with beneficial tips and tricks you can apply easily to bring down your cost and aggravation, as well as help you obtain affordable car insurance today!

Cheapest Car Insurance

February 26th, 2012 admin

How To Get The Cheapest Car Insurance

Auto insurance can include a wide range of coverage, from liability-only to coverage that will fix the smallest dent or scratch on your car’s paint job. With auto insurance being required by law in many places, you may be confused as to what kind of coverage you need. This article will explain the basics and help you learn what you need to know about getting the cheapest car insurance.

Cheapest Car Insurance Hints and Tips

If you are aging and worry about your income, you should purchase a disability income insurance which will cover your car payments in the event of a disability. If you become unable to work, your insurance will give you enough money to support yourself and your family. This kind of insurance is relatively cheap and secures your financial future no matter what happens.

Remember that the cheapest car insurance plan is not always the best plan. Make sure to understand exactly what you will be paying before signing on the dotted line. If you have a very low cost plan, check on what the deductible amounts are. It may be better for you to pay more per month than to have to pay thousands of dollars out of pocket before your insurance kicks in.

In order to get the cheapest rates on insurance, it often pays to combine all of your polices under one company. However, don’t automatically assume this would be the cheapest route to go. Sometimes the multi-policy discount is less than it would be to have separate policies with different companies.

More Cheapest Car Insurance Hints

If you are trying to save money on auto insurance you should look at the deductibles available to you and how much of a difference a high deductible makes in price. Go with a high deductible if you can because this will save you money on your insurance premium.

Drive smart and safe to keep your auto insurance cheap. A clean driving record makes a huge difference in the premiums insurance companies will charge you. Insurers inspect your driving history perhaps more closely than any other factor when setting your premium. Do not worry about accidents where you were not at fault; drive safely to avoid any other bad marks on your record.

To be sure that you are getting the best rate on your auto insurance, it’s a good idea to check to see that your policy is accurate. Make sure that your insurer has accurate information about your current vehicle, and that your average annual mileage is correctly included in your policy.

Cheapest Car Insurance

Auto insurance can be a tough choice these days, especially with all of the television commercials claiming to save you hundreds a year if you switch your service to them. One of the best ways to find the cheapest car insurance for you is to use a website dedicated to just that. Using a search engine, you can quickly find a website that takes your information and then gives you quotes from several insurance companies. This will let you see on one page the prices and benefits of the companies you are looking at trying.

Just because one company offers the lowest rate does not mean it will be the best deal for you. Make sure the company has agents and adjusters in your area so that you can get the service you need if you ever have to actually use your insurance because of an accident.

Final Preferences on Cheapest Car Insurance

You can protect your car, yourself, and your passengers with the right car insurance coverage. Without it, you could find yourself in serious debt should an accident occur, and possibly even on the wrong side of the law. With the knowledge you have gained from this article, you are now well prepared to look for the cheapest car insurance. Remember, the company that is offering the cheapest rate this week may not be doing so next week. It would be wise to visit our car insurance forum to see which companies are currently providing the cheapest rates.

Florida Car Insurance Rates Increase

February 26th, 2012 admin

Sandy asks…

Suspended License Question, Pls. help I’m scared about this?

I recently got a speeding ticket, and exceeded the points on my license, so it’s being suspended any day now, if not already.

I am so scared because I bought a new car in July 2006, it’s my first nice car and I’ve made my payments on time every month. I also keep up with my insurance payments, and all my other bills.

My court date is August 9th, on August 10th I am moving to Florida to be near family. If they officially suspend my license, will they impound my car?? Should I try to put my car in my moms name, and my insurance as well? I cant believe I f*** up again by speeding, and just dont want to lose everything, I am already paying increased insurance rates and now a fine starting at $1,000. Any advice? :( thanks

admin answers:

Talk to a lawyer, and make sure first that they’ll be willing to do an initial consultation for free. Considering that you think you’ll probably have your license suspended, you’ll probably want to make sure you’re represented by counsel in court as well. As to having your car impounded, I can’t imagine why that would be necessary or to the state/localities’ advantage (that’s a lot of impounded cars, if you think about it) but a local attorney will know for sure.

Mark asks…

I need to pass a drug&alcohol test, Can anyone help me with these questions. Kindly help me.?

When you are nervous, angry or upset, one of the ways to release the pressure is by_____.
a) exercise or physical activity
b) keeping everything inside
c) raising your blood pressure
The factors you should consider when selecting the speed of your vehicle are:
neither
posted maximum speed limit
vehicle and cargo
A driver should not strive to develop a positive attitude when driving.
a) true
b) false
Matching vehicle speed and direction to the situation is one of the traits of a good driver.
a) true
b) false
A fatal motor vehicle crash happens in the United States every 12 minutes.
a) true
b) false
both
If you choose to violate the law and drive under the influence of alcohol and other drugs, your actions have consequences that reach farther than your conviction.
a) true
b) false
It is unsafe and dangerous to drive with any amount of alcohol in your body.
a) true
b) false
When disturbed by emotions, the driver is concentrating on the driving task.
a) true
b) false
To prevent fatigue from affecting your driving; before you travel you should get______.

a) travel information
b) directions
c) food
d) a good nights sleep
About_______in every 10 Americans will be involved in an alcohol related crash at some time or another in their life
a) 1
b) 3
c) 6
Society pays the costs of alcohol related collisions either directly through public assistance or indirectly through higher insurance and health costs.
a) true
b) false
Drugs do not effect all users the same way.
a) true
b) false
_______have a greater impact on our society than all violent crimes combined.
a) train crashes
b) plane crashes
c) motor vehicle crashes
As alcohol consumption increases, _______may appear.

a) staggering
b) slurring of speech
c) poor coordination
d) all of the above.
An impaired driver’s decision-making and hand-eye coordination are not slowed by alcohol and other drugs.
a) true
b) false
Reaction time is _____ with each drink.
a) decreased
b) stays the same
c) increased
d) none of the above
If a person refuses to submit to a chemical or physical test their driving privilege will be suspended for one year.
a) true
b) false
After consuming marijuana driver mistakenly believe their driving performance is improved.
a) true
b) false
Regular heavy drinkers usually have to drink less in order to obtain the same effect.
a) true
b) false
Graduated licensing has been shown to reduce crashes among young drivers.
a) true
b) false
Drivers should scan 10-12 seconds down the road looking of potential hazards.
a) true
b) false
The effect of marijuana can be felt between 5 and 15 minutes after ingestion.
a) true
b) false
The release of kinetic energy in a collision is what causes the car to be damaged or destroyed and the occupants injured or killed.
a) true
b) false
Alcohol does not affect the driver’s judgement.
a) true
b) false
Driving under the influence of a depressant can have catastrophic effects as_______is impaired.

a) nothing
b) your passenger
c) judgement
Stimulants do not raise your bodies’ blood pressure, increase you breathing rate, increase your heart rate and raise your body temperature.
a) true
b) false

The most dangerous aspect of synergism is the______affect.
a) deletion
b) additive
c) subtraction
To get licensed in Florida, you must meet the following requirements_______.
a) be at least 15 years old
b) pass a vision, road sign and road rules test
c) complete a TLSAE course
d) none of the above
Tolerance requires that you use more of the drug to achieve the same “high” or medical effect.
a) true
b) false
Narcotics cause both mental and physical dependence.
a) true
b) false
e) all of the above.
For those drivers who were not wearing safety belts at the time of their deaths, safety belts could have prevented death in about ______ of these unbelted situations.

a) one-quarter
b) one-half
c) all
d) none of the above
Aggressively scanning the road and slower speed gives you a better chance to avoid a collision with a child.

a) true
b) false
When dopamine levels are_______this reward pathway reinforces the use of the drug.

a) decreased
b) the same
c) elevated

admin answers:

Wow! I have never scolded anyone for posting a question! You should know these answers. If you don’t, you should not be driving.

Betty asks…

Can anyone assist me with the answers to the Drug & Alcohol Test? PLEASE HELP ME…?

Can anyone help with the answers to these following questions please? Thank you:)

When you are nervous, angry or upset, one of the ways to release the pressure is by_____.
a) exercise or physical activity
b) keeping everything inside
c) raising your blood pressure
The factors you should consider when selecting the speed of your vehicle are:
neither
posted maximum speed limit
vehicle and cargo
A driver should not strive to develop a positive attitude when driving.
a) true
b) false
Matching vehicle speed and direction to the situation is one of the traits of a good driver.
a) true
b) false
A fatal motor vehicle crash happens in the United States every 12 minutes.
a) true
b) false
both
If you choose to violate the law and drive under the influence of alcohol and other drugs, your actions have consequences that reach farther than your conviction.
a) true
b) false
It is unsafe and dangerous to drive with any amount of alcohol in your body.
a) true
b) false
When disturbed by emotions, the driver is concentrating on the driving task.
a) true
b) false
To prevent fatigue from affecting your driving; before you travel you should get______.

a) travel information
b) directions
c) food
d) a good nights sleep
About_______in every 10 Americans will be involved in an alcohol related crash at some time or another in their life
a) 1
b) 3
c) 6
Society pays the costs of alcohol related collisions either directly through public assistance or indirectly through higher insurance and health costs.
a) true
b) false
Drugs do not effect all users the same way.
a) true
b) false
_______have a greater impact on our society than all violent crimes combined.
a) train crashes
b) plane crashes
c) motor vehicle crashes
As alcohol consumption increases, _______may appear.

a) staggering
b) slurring of speech
c) poor coordination
d) all of the above.
An impaired driver’s decision-making and hand-eye coordination are not slowed by alcohol and other drugs.
a) true
b) false
Reaction time is _____ with each drink.
a) decreased
b) stays the same
c) increased
d) none of the above
If a person refuses to submit to a chemical or physical test their driving privilege will be suspended for one year.
a) true
b) false
After consuming marijuana driver mistakenly believe their driving performance is improved.
a) true
b) false
Regular heavy drinkers usually have to drink less in order to obtain the same effect.
a) true
b) false
Graduated licensing has been shown to reduce crashes among young drivers.
a) true
b) false
Drivers should scan 10-12 seconds down the road looking of potential hazards.
a) true
b) false
The effect of marijuana can be felt between 5 and 15 minutes after ingestion.
a) true
b) false
The release of kinetic energy in a collision is what causes the car to be damaged or destroyed and the occupants injured or killed.
a) true
b) false
Alcohol does not affect the driver’s judgement.
a) true
b) false
Driving under the influence of a depressant can have catastrophic effects as_______is impaired.

a) nothing
b) your passenger
c) judgement
Stimulants do not raise your bodies’ blood pressure, increase you breathing rate, increase your heart rate and raise your body temperature.
a) true
b) false

The most dangerous aspect of synergism is the______affect.
a) deletion
b) additive
c) subtraction
To get licensed in Florida, you must meet the following requirements_______.
a) be at least 15 years old
b) pass a vision, road sign and road rules test
c) complete a TLSAE course
d) none of the above
Tolerance requires that you use more of the drug to achieve the same “high” or medical effect.
a) true
b) false
Narcotics cause both mental and physical dependence.
a) true
b) false
e) all of the above.
For those drivers who were not wearing safety belts at the time of their deaths, safety belts could have prevented death in about ______ of these unbelted situations.

a) one-quarter
b) one-half
c) all
d) none of the above
Aggressively scanning the road and slower speed gives you a better chance to avoid a collision with a child.

a) true
b) false
When dopamine levels are_______this reward pathway reinforces the use of the drug.

a) decreased
b) the same
c) elevated

admin answers:

These are wayy to easy some of them might needed to be looked up on google but 97% of this you should know i mean really use your common sense.

Charles asks…

What should I do about underwater home – mortgages?

I live in SW Florida where I owe $335,000 for a house surrounded by homes forecloure specialists are enjoying profits from selling at $125,000 (in much better condition than mine), and at least another thousand brand new unoccupied homes nearby. Flood insurance just became mandatory and rates went up.
I bought in ’06, it was the best I could get then, but in very poor shape compared to the quality of currently available homes. It would take another $20,000 just to make it marketable to sell for $125,000.
In ’06 I had to have two loans on teacher pay, did not have enough reserves for a down payment, assumed value would continue escalating and would refinance/consolidate both loans, with increased equity in a few years, and live here another ten years, retire and go home and live in Texas in a modest, low cost home, for the rest of my life.
Disaster struck.
I modified loan 1 (SAXON) under HAMP – that one payment is 31% of my gross income – one of my 2 “take home” paychecks a month.
I modified Loan 2 ($65,000 balance) directly with OCWEN, who only gave me a reduced rate (14% TO 2%) for 5 years.
My entire 2nd paycheck is that payment, utilities, food, clothes, car, gas, credit cards, student loans, and other living expenses.
I live hand to mouth and see now that I will never be able to retire/sell this house/move home, etc.
I didn’t want to get rich, but I didn’t expect to pay every dime I make for the rest of my life for basic living because of what I perceive as a national financial disaster – obviously not just a “natural real estate cycle” – evolving from poor economic planning and oversight on the part of the politicians who have been paid by my taxes from my hard work for the last 35 years to assure my (at least basic) quality of life – for life.
Ethics?
It is hard to specify ethical boundaries under such extreme, outlying conditions.
I do know one thing about this crisis:
Ethcial boundaries were crossed at every stage, by many people, over many years.
The argument for the end consumer to suffer – in such an exaggerated way – in order to affirm their ethics – seems profoundly hypocritical.
On the other hand, I am still here, paying my mortgage, even though every other homeowner who purchased a home in this HOA between ’05 and ’08 has walked away, so I AM demonstrating ethics.

My question is, “What would you do?”

I wish I could put up a poll and ask every expert what they would do.
Walk away entirely? What then… ? Rent for life…?
Stop paying 2nd lien? What then…? Credit ruined…for how long…? What else….?
Swallow and pay every dime they earn to live a restricted (since ’06: never go out, no travel, no vacations, no gift giving at holidays, drive old cars, buy used clothes, etc.) life for the next ten or fifteen years, fearing job loss or pay cut daily, only to find out at retirement that I have to walk away from it then, can’t sell it, perhaps have to file bankruptcy, then, and live in government housing for my retirement…?
That seems awfully bleak.
I make too much, they say, to file bankruptcy. hmmm…what would you do?
Thanks for any wisdom you could share.
Synthia

admin answers:

There is really no easy answer. You have done all you can possibly do, but the end of this recession and all that it entails may still not be in sight.

It is probably time to walk away from the mortgage. You could list the house for sale with a Realtor’s help, at a price at which it is likely to sell. Then have the Realtor help you present any offer to the bank as evidence of a short sale.

The problem with that, of course, is that the bank is likely to try to place a lien against you for the deficit. So, your only option may be to walk away. It will hurt your credit for 7 years, but the options are so limited that there may be no other solution.

You can stop paying the mortgage and use that money to hire a lawyer to help you sort this thing out. It is such a shame that good people are being financially devastated by the economy’s downturn.

Frankly, I don’t see any other solution. You truly have done all you can possibly do. Ethics are one thing. Poverty is another. Get a lawyer and start packing.

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Florida Car Insurance Laws

February 26th, 2012 admin

Donald asks…

Florida law – Florida license, no car, so no insurance?

If someone with a Fl driver’s license who doesn’t have a car so doesn’t have car insurance is involved in a car accident while driving someone else’s car. Does the car owner’s insurance cover the uninsured driver?

admin answers:

Most policies cover a casual driver. But the person who loaned the car will be asked some tough questions by their insurance company.

If you live in the same household, the car owner is supposed to report anyone with access to the car over the age of 16 and pay extra to cover their occasional use.

Susan asks…

Florida insurance laws?

I was wondering if you are able to drive a vehicle that is currently insured by your parents name. I have a friend who said as long as the vehicle is insured its okay to drive it by Florida law. Do you need insurance in your own name to drive a car that is already insured? (the insured policy is 10,000 liability and 10,000 body)

admin answers:

If the vehicle is provided for your regular use, then you have to be listed on the policy as a driver.

That’s not because of a law. It’s because of the language in the policy.

It’s pretty standard for the auto policy to have language in it that says if the vehicle is provided for your regular use and you are not listed on the policy, then your company can deny coverage. That means, you would end up being personally responsible for any damage/injuries you cause.

Ruth asks…

is car insurance the law in florida?

admin answers:

Actually, it is not mandatory in every state – I live in NH and it is only mandatory if there is a lein on your vehicle.

If you own it outright then, you do not need insurance.

In Florida a driver must have a minimum coverage of $10,000 for bodily injury to one person, $20,000 for bodily injury sustained by two or more persons in a single accident, and $10,000 for property damage that results from one accident. To adequately protect yourself, you may want to purchase much more than the minimum amount of coverage required for Florida

Betty asks…

Why Do Florida insurance Laws suck?

Why come Florida doesn’t require bodily injury liability. I recently post a ? yesterday found out it was Florida instead of GA. Now my uninsured motorist got to take care of my wife injuries and he get off easy. They provided us a rental car and pay us for our loss car but nothing else. So I guess anyone who lives in Florida could hit onyone and get away with it. I was wondering if the insurance company has anything else where I could filed this clam under.
Does uninsured motorist insurance pay for pain and suffering

admin answers:

I have no clue what the above answer means.

You can buy insurance that will even when the other side does not. It is called UM (uninsured motorist) coverage.

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Florida Car Insurance Rules

February 26th, 2012 admin

Betty asks…

How cheap is car insurance for a 16 year-old Floridian boy driving a 2010 Mitsubishi Lancer?

I’m a 16 yo dude in Florida wanting car insurance for my 2010 Mitsubishi Lancer and I have never gotten any ticket of any kind. I have not violated any rules….yet.

admin answers:

Since you’re 16 and basically have no driving record yet, your insurance premiums are going to be sky high. I wouldn’t count on less than $1500-$2000/ Year. Keep your grades high- “B” or better average. Take driver’s ed and driver’s training if your school offers those. Those qualifications might afford you small discounts. If you want to know why young people get stomped for insurance, look at that “yet…” in your last sentence. Everybody breaks rules. Most people get caught once or twice. Every ticket costs not only the fine, but an insurance rate increase for years.

Richard asks…

how to establish florida residency now in 2010 w new rules?

i am 21 moving out of my parents house to gain residency in florida, i currently live in Pa
besides back account, auto insurance, and car registration ((( how do u transfer ur car? ))) and its still 12months right? … can i keep my parents health insurance?

admin answers:

The health insurance will not matter. You need to make sure that no one finds out you are doing this as moving to a state with the intent to defraud is a state felony in most jurisdictions. You also need to make sure that you never tell anyone that you moved to florida to go to school (make no mistake you are defrauding the taxpayers of the great state of florida.) You must say that you moved to florida because you found it nice and only after a year begin to entertain the idea of going to school in florida. Yes the residency requirement is still 12 months. You must file your taxes separately from your parents once you move to florida… Other than that you should not have any problems.

The following lists florida residency requirements: http://www.admissions.ufl.edu/residency/qualifying.html

Lisa asks…

buying a used car from a private party?

Today i seen a nissan 240sx :P dreamy i know…… and it has to be mine….. i looked at the price and i have the money….this will be my first car and at 19 i would love to know the steps in buy this car…….What i would like to do is ,go to this car call the number, have this person meet me, test drive it, state that i want it, buy it, sign pappers, and drive it 20 mins to the house and get it plated ans stuff the next day……. I have no insurance but plan to get this all done asap…….What scares me is the fact that im buying this car but will not be able to drive it home that day till i get a temp plate or something dumb like insurance… let me know the rules and step in buying a car… i got like 7 hour till i call the person
I LIVE IN FLORIDA AND HAVE BEEN DRIVING SENCE I WAS 15 …… i drive my grand parents cars to work and school and think its time to move on i need this and would love to do this on my own

admin answers:

I’m not American, so I pre-apologize for a lack of experience with tags and applicable local laws.

However, I noticed two priorities missing from your quest. I know you want the car badly as I’ve felt the same thing every time I saw a real ‘looker’ of a certain vehicle.

A) Obtain the VIN(Vehicle Identification Number) from the vehicle owner and have it checked out at a registry office. You would want to make sure the vehicle is clear of bad titles and liens. If the owner doesn’t want to release the VIN to you, I would be worried already.

B) A test drive is a basic measure, but beware that a lot of negative things can be missed from the shear excitement of the moment and a possible lack of mechanical aptitude. A vehicle inspection report is crucial(if the VIN clears at this stage). I can’t assert how important this is. It’s prudent that you know the vehicle’s health in all aspects. I’d recommend a “full” check with compression testing and so forth, not just the budget check-up for basic insurance purposes. I always believe that the buyer should include one with the sale, but it’s not their problem and rarely anyone does or so it would seem(hmmm, I wonder why?..) This is tricky, because the seller may forfeit an inspection due to no insurance on the vehicle. However, there might be a mobile mechanic that you can call out.

I just had to offer some advice that I didn’t follow in the past and it made my “awesome” purchase turn into an absolute nightmare. After all, it’s your money… But, spend it wisely. :)

Ken asks…

Florida drivers license question?

Im not sure if drivers license rules and laws are different in other states so thats why i put florida.Anyways,my question is,if i get a drivers license but i have no insurance or a car just yet,do i somehow get put on my parents insurance and they pay for me when i dont have insurance or a car just yet?or how does this all work?please let me know because i am confused at the moment.Thanks alot :)

admin answers:

If you don’t have a car your self but are driving other cars with a drivers liscense like your parents or something then yes you need to be put on your parents insurance for their car

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Best Car Insurance In Nj

February 25th, 2012 admin

Betty asks…

Which town in NJ has the best insurance class rating price and which car is rated the cheapest price?

Which town in NJ has the best insurance class rating price and which car is rated the cheapest price.? Also which company and agent are the best?
I found out that some towns in south jersey are cheaper and less expensive cars are usually cheaper to insure. Mike Ritter from Liberty Mutual Gave me help 973-216-3940

admin answers:

If you garage your car in certain towns the price will vary. Liberty Mutual Is Good For NJ Car Insurance and Home Owners Insurance. I already use them.

Mark asks…

Car Insurance in Northern NJ?

Hello,

How much do a couple pay on an average for car insurance premiums in Northern NJ?
I am insured with liberty mutual and my monthly commitment is close to $140, I have a clean driving history and no claims in the past.
Culd you suggest how I cut down on my premiums? Also the best car insurance company in the tri state area.

admin answers:

Call a few independent agents in your area. Look in the yellow pages to find them. Get multiple quotes. Make sure you get quotes for the exact same coverage with each one. Different companies have different rates. Other than that, if you have comprehensive and collision coverages, consider raising your deductibles. Liberty may offer a discount if you go to EFT (electronic funds transfer out of your checking account) payments or quarterly payments (their sister company Peerless does this).
Actually $140 a month (counting installment fees) is only $1680 per year & if that is for 2 cars in NJ that is an excellent rate. I pay almost that for 2 cars in rural New England (about $1300+-) with a home/auto package discount.
When I left NJ 14 years ago, anything less than $1000 per vehicle was considered a good rate, and that was liability only. I paid $1400/yr for full coverage on one car (when I was single) 20 years ago.

William asks…

What is the best car insurance that you don’t have to pay much in any state?

I live in NJ and paying half as my car cost…

admin answers:

Welcome to jersey! That’s just how it is! You can thank all the idiots that carry no insurance, therefore raising EVERYONE’s rates when they crash, and the lawsuit-happy freeloaders that sue for anything they can!

Lizzie asks…

For my situation, what is the best way to minimize my car insurance?

ok the situation is like this.

my family has two cars. (maxima and accent)
I (21years old) use the accent and my parents use the maxima.
All three of us are under the same insurance plan.

I might sell the accent and buy a used car and pay monthly(financing).
so that means the insurance has to be full coverage right? and not liability. (the maxima and the accent are both fully paid and they are under liability right now)

So if I buy a used car what is the best way to minimize the insurance cost?…which is a good insurance company? can I be covered under my dad’s name or something? my friend said something like that..but I don’t know if there is such a thing.
by the way my parents live in massachusetts and i live in NJ.
what should i do?
(don’t tell me not to buy a car)

admin answers:

You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.

Go to: http://www.insureme.com/landing.aspx?Refby=616165&Type=auto

Take care,
Casey

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Best Car Insurance In Ny

February 25th, 2012 admin

Lisa asks…

What is the best car insurance company in NY?

admin answers:

Looking for the top car insurance companies for New York? You’ve come to the right spot. While there are many different companies offering auto insurance in the state of libertarianism picture New York, there are some that are ranked higher than others. How do you figure out which ones are the top insurers? We’ll use several different sources to help you determine the top car insurance companies for New York.

New York State Insurance Department — One way to find the top 3 car insurance companies for New York is to check for the lowest percentage and number of complaints through the state’s department of insurance. It’s easy to see that, for 2009 exposure, as indicated in the 2009 Annual Ranking of Automobile Insurance Complaints, the number one auto insurance company in the state was Adirondack Insurance Group with 0.00 complaint ratio. Number two is Amica Mutual Group (Amica Mutual Insurance), and number three is Main Street America Group (Main Street American Assurance Company, MGM Insurance Company). Insurers with the fewest number of complaints rank at the top of the list, while those with the most complaints rank at the bottom. In terms of volume insurers (millions in premiums written), big players include 14th-ranked Progressive Insurance Group (0.05 complaint ratio), and 29th-ranked Allstate Insurance Group (0.11 complaint ratio).

J.D. Power and Associates – Consumers may also want to know which top 3 car insurance companies for New York had the highest overall customer satisfaction. The annual J.D. Power and Associates 2010 U.S. National Auto Insurance Study provides a good look at the best-rated car insurers across five factors: interaction, policy offerings, billing and payment, price, and claims. Checking their list, the top car insurance companies for New York (doing business in the state, although they may be headquartered elsewhere) are Amica Mutual, State Farm, and Geico. Amica Mutual is the JDPA award winner, and State Farm and Geico each have a four-circle JDPA rating.

A.M. Best Company – Check out an auto insurance company’s financial strength through the A.M. Best Company ratings. Using financial strength as a barometer, the following companies rate high as top car insurance companies for New York:

* Allstate Insurance Group – A+ (Superior)
* Amica Mutual – A++ (Superior)
* Geico – A++ (Superior)
* Progressive Insurance Group – A+ (Superior)
* State Farm – A++ (Superior)

Joseph asks…

What’s the best deal for car insurance in new york city, ny for an ’05 toyota prius?

I’m kind of new to this car thing.
If there are any companies that consider these things on the lesser scale of prices, please tell me. (I’m thinking that there must be a company like this and I wish to know who it is before I get car insurance.)

admin answers:

I have always had the best results from Geico.

Sandra asks…

What is the best car for us?

our mustang just got totaled, and we didn’t get a lot of money for it (by our insurance company). yeah bad news after just having it for 4 years. we are looking for a reasonably priced car, good gas mileage, but since we live in upstate NY we need a car good for snow/blizzard and is best for where i live. we would like it to be under $10,000 but most perferably under $7,000. PLEASE HELP!!

P.S. i want a car, not a jeep etc., and we would like it to be stick, just like the mustang. PLEASE HELP!

P.P.S We also drive….a lot. at least 2 hrs a day

admin answers:

Why dont you buy another Mustang? If you liked it and you didn’t get much money from the insurance company (since they determined that those vehicles aren’t worth much) you should be able to buy another one for cheap.

That being said, cars with front wheel drive perform better on slippery roads.

I had a Saturn with a stick that I loved, my sister still drives it and it is well past 130K miles. Honda, Toyota, Nissan, Saturn are all reliable cars that have low end models that you can get a few years old for reasonable price.

Linda asks…

Immigration to Canada from NY, best course of action?

I’m a 20 year old female (21 in March 2011) living in upstate NY. I currently live at home with my parents, while working at Wendy’s part time. I am in college, however I am currently taking the semester off (only this one semester-fall 2010, I have been continuously in school since graduating high school in 2008, and I have a relatively high GPA [somewhere around 3.2-3.5] so acceptance into my Canadian college of choice should not be difficult) in hopes of saving up money. I have my own car in my name, as well as the insurance and everything else going with it, and within 6 months to a year I should have saved up enough money to afford living costs in canada for up to 12 months continuously if living with my girlfriend.
I am currently discussing with my parents (for their financial assistance) attending Loyalist college in Belleville, ON starting in Fall 2011 if all goes well.
I understand that I would need a Student visa, etc to do this, but I have a bit of a predicament.
I have always wanted to move to Canada, and I hope to become a permanent resident and then citizen in the near future.
I am in a conjugal relationship with another Female who is a 23 year old Canadian citizen, who lives in Carrying Place, ON (near Trenton, ON). In roughly a year or so we plan on getting engaged (we’re waiting until school is sorted out for the two of us) and then married within the next 2-3 years. Unfortunately she does not qualify to sponsor me at the present time, as she is on welfare (a necessity, therefore I will not elaborate on it).
So I do have dual intent on attending school as well as becoming a permanent resident/citizen afterwards/possibly during the rest of my schooling career.
Essentially my inquiry is, how should I go about becoming a permanent resident/citizen, what is the easiest route, and what will I need to do this?
I’ve read through site after site and pamphlet after pamphlet on visas/residency/immigration but I am still unsure about the best course to follow. Can anyone help me?
I have been studying foreign languages so far in hopes of becoming an interpreter, but I have decided to change my course of study to Arts and Art Design at Loyalist, so I can take more Art courses at better universities/colleges after (not sure where I will be going after Loyalist to get a degree), and French. So I wouldn’t exactly qualify for a skilled trade.
Also, I cannot live with her as she is a Canadian citizen and I am a US citizen living in NY, and I cannot get married in NY to another woman, so it would be a conjugal relationship, until I could move to Canada, or marry her there, but I would not be able to move there until I was a citizen, which would be difficult unless I can move there now so that I can live with her for a year to prove my relationship

admin answers:

A conjugal relationship is contingent on living together.

If you move to Canada to study, you have to get a study visa, which means much higher fees, x2, and a limit on where and how much you work.

Edit: you apply for the university first, then the visa.

You don’t qualify to immigrate until you have a degree, a skill or profession and work experience. Then you can apply. The application takes 2-3 years if you are accepted.

Arts and Design aren’t in demand. I’m sorry to say that interpreting isn’t either, as so many people are multilingual in Canada.

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Best Car Insurance For New Drivers

February 25th, 2012 admin

James asks…

best car insurance in PA for new drivers?

Im 18. i am looking for an auto insurance in Pennsylvania that will have the best coverage for the best price…i just got my license. THANKS!

admin answers:

Just get a quote from insurers you get from yellow pages,. The internet, the TV, the radio.
Simply don’t go for the first price they quote you but spend a few days collecting data.

Ruth asks…

Where is best for cheap car insurance for a new driver, curfew insurance?

I am just turning 17 and want to know the cheapest insurance companies out there. I know Quinn direct is good, but are there any better ones. I also know that there are curfew insurance companies that stop you going out after 11 and before 5 in the morning, but what are the companies called?
Thanks

admin answers:

Maybe you could get a quote from insurers you get from yellow pages,. The internet, the TV, the radio.

Ken asks…

Best/cheapest car insurance for new 20-something year old New York driver?

20-something New York driver – I need car insurance. If I get insured here, it’s bound to be THOUSANDS (probably around 5) :( Who do you suggest I go with? How’s esurance?

admin answers:

Best thing to do, is pay cash for your car – drive something at LEAST six years old, and don’t carry collision or comprehensive on it. That will seriously decrease your costs.

For young drivers, I’ve seen the collision cost MORE than the liability. So by driving a paid-for car, you can cut the cost of insurance IN HALF.

Mark asks…

What is the best insurance for new drivers?

I am 19 and I just got my driver’s license (better late than never). I need car insurance asap and am looking for suggestions fo cheap insurance for new drivers

admin answers:

Your best bet would be to get insurance under your parents household, but ask to be not listed as drivers of their vehicles, that way it won’t drive their rates up too far.
If that is not an option, I would go to a cheap local independent agency, and just get liability. I know those ads on TV are misleading, saying they will all save you money, and not as cheap as they claim to be, even with the cute mascot and all (they pay a lot for TV ads).
You can always call a local brand name agent, for a quote. Quotes and questions are free you know. Good luck.

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