Answers
this would be my second car and its a really nice 1985 Porsche 944 (non-turbo) it has only 67K miles on it and is in excellent shape I am just wondering if my insurance would go up i pay about 130 $ a month on a Pontiac grand am ... would it go up? if so do you know how much?
There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued.
Since you are only 16, you would be best served by being insured on your parent(s)' insurance policy as you are too young to sign a contract - and an insurance policy IS a contract.
You have to be 18 to sign a contract.
Since most young drivers have a motor vehicle accidnet within 18 months of getting their license, maybe you ought to wait and get some more experience before getting a Porsche.
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.
The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!
Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this helps!
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I had full coverage on my 01 honda civic coupe. Fixed up but i know insurance wont give a rats. ***. My question is, if it is totaled and my car had full coverage. How much would i get from them? i tried going to kelly blue book. But i don't know if insurance goes by retail, or dealer quote or what... If u can answer give u all the pnts for best answer.
Insurance will pay the fair market value of the damage vehicle prior to the loss. That means they will consider the vehicles age, condition, mileage, options.
Insurance Companies do not use Kelly Blue Book.
Many use a market survey program (such as CCC or Total Logic).
If they use a book ...it's the NADA. However, the will adjust the value in the NADA based on your cars condition, mileage, options.
If I shop around for car insurance will each company pull my credit If so will it hurt my score I will be trying to buy a home within 6 months
INSURANCE credit scores don't hurt your credit rating. But yes, each company will pull your score.
i was t-boned by a guy who was speeding and both our cars are totalled. i failed to yield technically but he was speeding, although neither of us were issued tickets. whats going to happen to the rat? i have insurance through travelers and im on my parents policy. theyve never had any major accidents.
Report the loss to your insurance company. If you have collision coverage you will be paid in full less the deductible. Your insurance company will then subrogate to recover what they paid out. If it is truly a 50/50 accident, then they will recover 50%. However, it sounds as if you were more than 50% at fault. You were the proximate cause of the accident. You failed to yield the right of way. You should not have pulled out if the other guy was speeding.
could you adapt to not having a vehicle that is poisoning our air and keeps the world in a struggle and war for oil and all the rat race habits related to owning a car: payments, maintenance, insurance etc.
Is there an alternative lifestyle we could invent besides going back to horses and electric cars??
Come ride with us, on the bus...............or, i guess you could transport me in one of those pull carts, I wouldn't mind!
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...How are your car insurance rates?
Terrence Stutz has an interesting story on auto insurance rates in Dallas County . Seems one carrier's offering low rates in Irving , while another's got pretty high rates across the county. Reasons for the variances are attributed to everything from increasing medical costs to poor insurance investment returns. Industry spokesman Jerry Johns says the market currently favors the consumer. And that if you're unhappy with you're rate, now may be the time to shop around.
"Some people would be amazed by the disparity in prices," he said. "There are some clear indications that it is now a consumers market and those who are dissatisfied with the price they are paying could benefit by comparing companies."
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