Several different things are taken in to consideration when an insurance quote is drafted. Age, driving record, amount of time you have had a valid license, if it is on a family policy, if you are married and how much you drive per year are all things that can increase or decrease the amount you pay for car insurance.
If a driver totals your parked car is his insurance liable for your expensive after-market chrome rims?
For the most part yes, that insurance company needs to idemnitfy you returning you back to the quality of vehicle you maintained before there insured hit your vehicle For free insurance quotes. Visit www.Insurance4lessdirect.com. For home purchases/mortgage refinance visit www.refi-today.com
If you have a family car and an expensive sports car that only you will drive what type of insurance or insurer will cover the sports car?
If you already have insurance on the family-car, then you can put the sports car on your insurance and tell them you will be the only driver of the sports car. Make sure no one else gets caught driving the car by the insurance company (wreck, etc.). Or look in the yellow-pages in your phonebook, and call several car insurance companies. They should be able to tell you. Always call Trio or more places to get the lowest deal you can, depending on what plan you want or qualify for.
Why is it more expensive to insure a crimson car?
It is not more expensive to insure a crimson car. That is presently a myth. It may have been a factor in the past as people thought that people who bought a crimson car were more at risk for speeding and accidents, but that is not the case. If you get quotes from insurance companies they will not ask for the color of the car, or if they do it is only for record keeping and will not factor into the cost of insurance..
Factors that do matter are the year, make, model, bod type, engine size and age of your car, as well as drivers on your policy.
Factors influence life insurance ownership?
the main factors of influence life insurance ownership is a benefits of life insurance. this is includind the uses benefots and business benefits. .
The greater the risks, the higher the premium – it’s as plain as that. This includes age and hookup of the policyholder among other things. Since these are factors that one can scarcely do anything about, let’s turn our attention to those that one can control. The factors that can increase your life insurance rates are: .
Weight and obesity – Medical statistics suggest that the stronger you are, the higher the chances of chronic medical conditions and ill health. Being overweight leads to high cholesterol, blood pressure, and a propensity for heart attacks, diabetes and stroke. If you truly want to lower your premiums, commence exercising and losing those pounds. Obese people can end up paying more than 50 percent in terms of life insurance rates so a diet regime will help create a healthier bod as well as lighten the fountain on your wallet. .
Smoking – Smoking is another big no-no where lifeinsuranceis worried. Non-smokers pay lower premiums than smokers do and even if you only smoke two cigarettes a day, smoke a pipe sometimes or even chew tobacco, you will be lumped into the category of smokers according to most insurance companies. Stop smoking instantly and in as little as a year of being tobacco free, you could be eligible for lower non-smoker premium rates. .
Alcohol manhandle – If you are a strenuous drinker or have been for years (even if you were an alcoholic once), insurance companies take all these details into consideration and hike up the rate of your policy. Alcohol manhandle (like drug manhandle) is considered very detrimental to your health and most companies view this as a negative habit.
If you pay for the insurance or harm waiver on the rental car when you were not at fault can you get reimbursed for that expense If so how?
Yes, I am going on the following assumptions to response your question;.
You rented a vehicle and took out the harm waiver, (did you have insurance on another vehicle? If so that switches a few things) had an accident in this rental vehicle thatWAS NOT YOUR FAULT AT ALL ..
You (or the rental company) could file with the ‘at fault’ party. Some rental car companies will chose to use their own carrier for speed, so they can get that vehicle back on the road. In that example, (and evidently that is what happened) once the final payments have been made, their insurance company should file a subrogation claim against the at fault carrier, and recoup all money paid in the claim including the deductible you paid. And in turn will come back that to you. If the other party is not insured there will still be a subrogation claim, but this generally takes a lot longer..
Let me caution you however, this is under the assumption thata) there was absolutely no negligence attributed to youb) the ‘at fault’ driver had insurance. c) no dispute inbetween the carriers as to liablity..
You should be kept abreast of the investigation, and subrogation claim, if you have not been contact the insurance company that is treating the claim, if you do not have their information, call the rental car company and get it from them..
If you would like to provide me with extra details surrounding the facts of loss etc, perhaps I could be of greater assistance to you, and would gladly attempt…. Good luck !!
Which color car is most expensive to insure?
There is an Urban myth that crimson cars are associated to higher insurance. This has never been proven and can not be supported with any factual evidence. Your safe with any car color. crimson is the most expensive car colour to make since it has flakes of gold in it to give it its crimson color, as for insurence, i dunno
Is car insurance more expensive if you have a Class B license?
It depends on points, practice, ect. Generally, tho’, it will depend on the company itself. Some companies may say, for an example, “This driver has more practice with automobiles, so he/she is less likely to be involved in an accident”, while others may not care. There are pleanty of examples where it works either way.
Will your health insurance cover medical expenses if you are injured in a car accident?
As with anything regarding health insurance, it depends. Generally speaking, in an auto accident the question about medical benefits is secondary to providing the best care for the accident victim. After the emergency has passed is the time for figuring out who pays for the medical expenses. Often health insurance is asked to pay very first. However, health insurance companies have a program called “subrogation” that seeks to ensure that the responsible party pays for their share of expenses. In the case of a car accident, typically the auto insurance will be primary and should pay medical expenses very first. During the process of subrogation the health insurance provider will contact the auto insurance provider and negotiate who should pay the bills. See http://en.wikipedia.org/wiki/Subrogation for extra information.
What cars are the most expensive to insure?
Im not sure which is the most expensive, but uncommon, limited, classic cars can be expensive, lets take the McLaren F1 car for example, this is a infrequent, expensive, limited car wihch cost more to insure than buying the car itself. Mainly it is expensive to insure powerfull, sporty cars.
What factors might influence you if you help other people at your own expense?
Helping people is always a good character builder and balances one’s life. We should all learn to give without always receiving. However, there is a fine line in helping people and knowing when to stop and letting them learn to fly on their own:.
A person you may know has a drinking problem and insists on drinking and driving and you know they are just not a social drinker, but on their way to becoming an alcoholic or, they are an alcoholic..
Suggest to be a designated driver or take a taxi there and back until you can get them alone and sober to discuss their problem. .
Be candid to them on a one-to-one (with no one else around) that they have a drinking problem. .
Be supportive and tell them there is AA and you’ll support them by going to Al-anon to better understand how they feel. .
Ask them to seek psychological counseling and you’ll back them 100% and go with them should they need your support. Most people with addiction problems are feeling a deep seated ache. Drinking and drugs helps them to leave behind for a little while. .
Stay away from Night Clubs, bars, etc., because it will only entice the person. .
If you commit you have to commit 100% or you will unravel any good you may do. .
LEARN WHEN TO STOP HELPING:.
The person rejects to let you drive and rejects to give you the keys to the car if they are tipsy. .
When you are candid about their drinking if they proceed to deny that they are an alcoholic and ‘can leave it alone anytime they want, but they just don’t want too.’ .
They deny to go to AA because THOSE people are alcoholics and they are not! .
They turn down psychological counseling and may deny there is anything in their past making them drink and they just love social drinking and can treat it. .
When you stay away from Night Clubs, etc., to help and they sneak out or go out with another person to have their own way with their drinking habits. .
When they proceed to haul their loved ones down with them. .
If they are abusive vocally or physically. .
As a last resort combind friends or family members as Intervention and have a good psychologist in the group to confront the person. .
If you want to commit to them then attempt for 100%, but don’t feel you have let the person down if they don’t attempt to help themselves. .
Whether it’s alcohol, a promiscuous friend; someone with depression; drugs; manhandle, etc., the above fits. You should attempt to help, but not at the expense of your own sanity or time away from your loved ones. If the person is indeed attempting then suspend in there with them (but check up on them and be sure they are attempting and not sneaking out or acting out because they may lie to you which isn’t uncommon.) Learn to form the word ‘NO’ or ‘UNACCEPTABLE BEHAVIOR!’ Learn to stick to your word and when they don’t attempt walk away knowing you gave it your best shot.
Does car insurance pay if you wreck your car while operating under the influence?
Each policy has exceptions to when certain things apply. Drivingunder the influence usually negates the insurance companiesresponsibility to pay out a claim.
Will private medical insurance or car insurance pay medical expenses in an auto accident?
Your choice, depending on which coverage is better. Attempt the auto insurance very first. but recall, their job is to minimize costs, and sometimes you have to go where they send you. they may have boundaries depending on the policy and state laws. your medical coverage is designed to cut costs by keeping you alive and healthy to keep paying them. they don’t make money off dead people or people too sick to work and keep coverage. they will usually end up paying for long term issues, especially if they don’t pop up right away or if a pre existing conditioned is worsed. how much wor$e is the back ache, indeed? you should go through the auto insurance if its drastic, expensive, extensive care. if its minor aches and anguish just pay your Ten$ or $20 copay and go to your primary care physician (your doctor). if you get hurt in an accident, go to the closest hospital right away, don’t delay or the ins co may attempt to loophole out of paying you, thinking scam alert. i once tapped a duo in their 50’s when i was 16 and only driving for a few months. he slammed on his violates after realizing he was about to miss his turn. at 20 miles in a 25 (it was 200 yards after a turn) i hit a pile of humid leaves next to a stone wall and skidded into them. i was sited no fault as i could not get off the road or go into opposing traffic (why they stopped). they were complaining about how hard i hit them and she was telling he already had a bad back and now this. the office on the scene asked them did they want him to call them an ambulance to take them to a hospital. She said right away no, they were going to their own doctor. after they left the cop told me they would be trouble. but they were denied due to lack of physical proof and officer testimony. so the moral is because some scam, they reason all are potential scammers until proven actually hurt.
Is the insurance of a black car more expensive then a silver car?
Rates are determined by a diversity of factors, tho’ color is not one of them. Driving history, year/make/model, credit history, where you live, etc determines the rate.
Why is your car insurance so expensive?
because if you get in a wreck…your insurance has to pay for it and you have to pay alittle money to help them pay gor your accident. because if you get in a wreck…your insurance has to pay for it and you have to pay alittle money to help them pay gor your accident.
How expensive is car insurance for a 17 year. old boy?
The best thing to do is get on your parents insurance because their premiums will raise less than you would pay for on your own. If you want to get some quotes for yourself, go ahead. I have linked an effortless site that leads you through the quote process with tips for keeping your premiums low.
Is car insurance more expensive when using for business?
Typically Yes, this is because people who use their vehicle in the course of business present a higher risk than people who just drive to work and then drive home.
Is a Two door car more expensive to insure than a Four door car?
Yes, because insurance companies think that because its a two door it is more sporty and in turn you will most likely be more likely to speed in it.
What is the most expensive car insurance quote ever?
I went on esurance today to get a quote and it was $1200 per MONTH! I thought that was the most expensive ever, that is just a little less than we presently pay per year so I think they might have a problem with their computation…
Your son almost 20 bought his very first car Does he have to get his own car insurance which is expensive or can the parent get car insurance for him and just add him as a driver?
That indeed depends on the situation. Most car insurance companies permit parents to pay for their son’s car insurance IF he is living together with his parents AND that the car is garaged with them. If his son is living independently with his own car and has his own home where he can garage his car, then he will be paying his own car insurance. Any wrecks resulting in claims or ticket points will be held against the parent’s premium if he is merely included on their policy.
What is the least expensive car insurance for a youthful driver?
I think one of the best ways to find the least expensive car insurance would be to do a search online There are many insurance websites online which suggest price comparisons and quotes. This is the easiest way to research what each company offers and the various types best for youthfull drivers. Parents also place their their teenage or adult on curfew which can drop their insurance rates. Parents who keep stringent on youthfull drivers help in decreasing the amount of accidents that occur. Getting cheap car insurance can come in the form of few extensive driving tests because the insurance companies think they will be good drivers. So after passing these tests, there are chances the insurance companies can lower the cost of insurance for youthfull drivers. Glad to help you.
Factors that effect car insurance rates?
County and city in which the car is garaged, age of primary driver and marriage status, driving history of drivers, replacement and repair cost of the make and model car involved, type of insurance coverage such as liability, comprehensive and collision and how much coverage.
Is it least expensive to insure a older car?
Only because you can get away with liability only on an older vehicle, which reduces your cost. You need total coverage on a newer vehicle. Rates are based off alot of different factors. Not only the type of car, but what city your in (crime, stolen vehicles). Sports vehicles can be higher. Even if you insure a vehicle that is reported stolen alot could make even an older car alittle more to insure. If you have a bad driving record or a teenage driver could also cause an increase.
Is car insurance more expensive on a truck?
Truck insurance generally costs more than insurance on a regular passenger car….. if both policies were alike in coverage amounts.
Is a convertible car more expensive to insure?
Usually yes. Convertables are usually very petite and smaller cars don’t do the driver so well in a car accident.
For Tax purposes Could I expense car payments and the insurance for car you use to get to your auditions?
If you use your car in your job or business and you use it only for that purpose, you may deduct its entire cost of operation (subject to boundaries discussed later). However, if you use the car for both business and individual purposes, you may deduct only the cost of its business use. You can generally figure the amount of your deductible car expense using one of two methods: the standard mileage rate method or the actual expense method. If you qualify to use both methods, before choosing a method, you may want to figure your deduction both ways to see which gives you a larger deduction. Please refer toPublication 463 , Travel, Entertainment, Bounty and Car Expenses , for the current standard mileage rate. If you use the standard mileage rate, you can add to your deduction any parking fees and tolls incurred for business purposes. To use the standard mileage rate, you must own or lease the car; the car must not be used to transport persons or property for compensation or hire, for example as a taxi; you must not operate five or more cars at the same time, as in a fleet operation; you must not have claimed a depreciation deduction using the Modified Accelerated Cost Recovery System (MACRS) on the car in an earlier year (including any extra first-year depreciation or “bonus depreciation” or any method other than straight-line for its estimated useful life; you must not have claimed a Section 179 deduction or the special depreciation allowance on the car; and you must not have claimed actual expenses after 1997 for a car you leased. You cannot use the standard mileage rate if you are a rural mail carrier who received a “qualified reimbursement”. Further, to use the standard mileage rate for a car you own, you must choose to use it in the very first year the car is available for use in your business. Then, in later years, you can choose to use the standard mileage rate or actual expenses. However, for a car you lease, you must use the standard mileage rate method for the entire lease period (including renewals). To use the actual expense method, you must determine what it actually costs to operate the car for the portion of the overall use of the car that is business use. Include gas, oil, repairs, tires, insurance, registration fees, licenses, and depreciation (or lease payments) attributable to the portion of the total miles driven that are business miles.
Does insurance on a classic car is more expensive than on a regular car?
usually less as your not using it for an every day driver and you can put the value on the vehicle that you want to be insured, if it’s worth $30,000 you insure it for that amount.
Is car insurance more expensive if the car does not have airbags?
If your car does not have air bags, yes – your insurance will be more expensive, all other things being equal. To put it simply: If you have air bags, that’s a discount.
Does your auto insurance policy cover rental car expenses while you are on vacation?
No, it doesn’t. It only covers rental car expenses when your vehicle is eliminated from the road because of a covered loss.
Why is insurance more expensive for a sports car than for an economy car?
sports cars are quicker than an economy car so they think you will speed and that makes you more likely to get in an accident
What factors determine your car insurance rates?
Your driving record, Including the amount of accidents you have been in, whether you have received any driving violations such as speeding or running a crimson light, and whether or not you have a clean record as far as being arrested or not while behind the wheel. This can i include but not limited to driving whil under the influence of alcohol.
Why is car insurance for youthful drivers so expensive?
Car insurance is more expensive for junior drivers due to the fact that their lack of driving practice makes them a higher risk. Insurance companies charge based on a number of factors that contribute to your overall risk as a customer.
Is it expensive to purchase car insurance in Fresh York?
Average car insurance rates in Fresh York are difficult to give a ballpark number for, not because its expensive, its just the prices vary dramatically depending on where you live and what agencies available to you. for example the aver price of insurance in Queens ranges from 400 to 1500$ on average and the average cost of insurance in Manhattan in 1100 to 1900 $. The best advice I could suggest for getting the best rate is to shop around alot for the best quote.
Is womens car insurance cheaper or more expensive than mens?
Womens’ car insurance can cheaper or more expensive than mens.’ It all depends on many factors. Age is very significant. Your driving record plays a good part in the amount you will pay for car insurance.
Is insurance expense an administrative expense?
Unless it says its insurance for the office (administrative) or insurance for drycleaning (dry cleaning expense) it will be counted as an administative expense.
Is there a good insurance company that has the best options for motor car insurance without being indeed expensive and has numerous car discount?
There are many insurance companies that suggest a diversity of options for car insurance. Prices vary depending upon location, type of cars and drivers.
Why is car insurance for an Audi so much more expensive than other cars?
Actually, Audi car insurance tends to be less than many other cars of the same (luxury) class but will be more than cars of different classes because they are luxury cars and thus more expensive to purchase. The more expensive a car is to purchase, the more it will be to insure.
Is mercury car insurance less expensive than Geico?
The price of the insurance can be less than geico, and more than geico. It all depends on your private records, cars, and what plan you choose. they may not be cheaper due to bad record.
How much more expensive is European car insurance than American car insurance?
“European insurance is generally more expensive and varies depending on what part of Europe you are in. Since there is broadbased rates across Europe, checking with the Country’s embassy or the American Embassy in that country can be most helpful.”
Is Swinton Car Insurance expensive?
Swinton Car insurance is a company that serves the residents of the United Kingdom. It’s cheaper than most insurance companies over here because they have a cash back program.
Why is car insurance expensive for junior drives?
Statistics do seem to indicate on a consistent basis that the Drivers with less practice have more frequent accidents.
What 2007 model car is least expensive to insure?
I’ve been a property and casualty insurance agency for about 28 years now and in my practice one of the lowest cost vehicles to insure is a domestic mini-van especially the Dodge Caravan. The symbol for a elementary Dodge Caravan is a 1-3. Note that the vehicle itself is not the only factor when computing the insurance rate but based on the cost symbol if all other factors are the same, physical harm coverage is less on these vehicles than any others I have seen.
Why is car insurance more expensive for drivers under 21?
Insurance rates are derived from claims statistics. The reason that car insurance is more expensive for drivers under 21 is that drivers under 21 have more accidents. Most likely this is due to inexperience but it is a fact that junior drivers do have more accidents.
What factors into different car insurance rates?
The type of vehicle, driving history, and even credit score can influence car insurance rates. The best way is to compare many rates before determining to purchase a policy.
Why is car insurance for youthfull drivers more expensive?
It is generally assumed that junior drivers are less experienced and therefor not as safe on the road as other drivers. They are also seen to be more likely to be racing or engaging in dangerous driving activities such as toasted driving or texting and driving. There are some insurance companies that will lower rates for youthful drivers excelling in school, however.
Why is car insurance for sports cars so much more expensive?
This is due to the greater likelihood of accidents taking place which involve sports cars. This means that the risk of a claim being made against the insurance company is higher, and so they charge a higher price to cover their risk.
Why is car insurance more expensive for a prompt car?
A car insurance is more expensive for a quick car because it will have more lightly accidents. On the other mitt, a slower car will not have accidents so often on average.
Why is car insurance for youthfull drivers often expensive?
There are a few reasons why youthfull drivers pay more for car insurance. The thickest reason is that they are inexperienced and therefore a higher risk for an accident.
Are imported cars expensive to insure?
Imported cars are generally more expensive to insure. This is due to having to pay for the extra cost of shipping over parts in case an accident occurs.
Why is car insurance more expensive for junior drivers?
Because junior drivers have more accidents that experienced drivers. This is a proven fact. Insurance companies do not just charge junior drivers more for joy. The statistics are very plain, more practice results in few accidents.
What factors influence the cost of car insurance?
Type and value of the car, size of engine, driver’s age, drivingrecord, claims history, location of the vehicle, number of miles driven, and what coverages you want to buy in what amounts.