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closhelby · 4 years ago

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HER. - Thomas Shelby

Smut

Pairing: Tommy Shelby x Reader

Warning: it’s peaky blinders, with smut

Word Count: 2472

AN: this is my first time writing smut, please give me any tips pls, it’s appreciate. It’s probably shite.

::::::

She always was on his mind. The woman, that always read between the lines, always two steps ahead of him, and had an incredible eye for business. She had left him years prior, leaving for a top business school in London. they never had a title, a label on their relationship, but it wasn’t exactly a secret that they always, somehow, gravitated back to one another. Often people, especially Polly, would say that there was no way two people would be so alike, strong headed but only rarely clashed.

However y/n’s degree had finished and she was coming back to Small Heath for a period of time before she was going to figure out what exactly what she wanted to do. Y/n was actually great friends with the Shelby family, since growing up with them, living just down the road, they practically lived together. Y/n was actually younger than Tommy, she was ages with Ada and John. They were in the same class throughout school, Ada and y/n regularly wrote to each other, updating each other on Ada’s eventful life as a Shelby still in Small Heath and y/n’s very exciting studying life in London.

They had actually planned to meet up, for a nice and quiet drink at the Garrison on her return. The thoughts swirled in y/n’s mind as she approached the Garrison, it had just gone 6pm, and she knew as it was a Friday, she did have a possibly of bumping into her first, arguably her only love. Pushing the thoughts to the back of her head, she pushed open the door to see a fairly crowded Garrison.

“Ah, y/n, how was London?” Harry shouted, from behind the bar. Y/n smiled at him, walking over to Ada sitting in the back corner. “It was good Harry, nice to be back in this clear Birmingham air”. He chuckled slightly, “Whiskey coming up love”.

Y/n nodded, taking a seat next to Ada, giving her a cuddle, “Unsure if ive missed this place or not” y/n laughed slightly, eyes scanning the pub, looking for the one man she questioned if she did want to bump into. The pair was throwing back drinks like it was going out of fashion, knowing they would both regret this in the morning. Apparently, Ada wasn't allowing y/n to go back home, and in fact y/n didn't have a home yet and wasn't willing to go back to her parents, so Ada was insisting that she stayed at hers until y/n found a suitable place. Y/n didnt put up a fight, despite them both being hot heads, and taking absolutely no shit from anyone, men or woman, y/n didn't argue. She was actually really thankful for her.

They eventually stumbled into the house in the early hours of the morning, their laughs echoing throughout the silent house.

::::

The sun caught y/n directly in the eyes, quickly awoke y/n from her sleep. Her head felt as though someone had been hitting her head against the floor multiple times. Y/n continued to lay there, turning away from the sun, trying to keep the contents of her stomach from getting sprayed all over her and the sleeping Ada. She made an attempt at moving, sat with her head in her hands as she was trying to give herself words of encouragement to get up and make herself something to eat.

“Fuck sake, why do we do this to ourselves?” Ada moaned from behind her. Y/n scoffed, “ Your bloody idea”.

Quickly standing up, in hope she could get it over with quickly. The room continuing to spin, as she attempted to walk to the door. Ada following closely behind.

They both sat slumped over the dining room table, as they attempted to sober up and embrace the oncoming hangover. John now present, laughing at the two dying woman in front of him.

“Good night?”

“Always.” Ada grumbled.

Pol placed a plate in front of them, toast with jam, “Does Tommy know your back?

Eyes falling onto y/n from every person in their, “No.” answering quietly.

Attempting to change the subject, “Told myself I would start looking for a new job today, since I shall be staying here for a decent period of time.”

John raised his eyebrow, “Tommy’s looking for a new secretary.” A slight smile on his face, “You've got a good background, business and that”.

“hm, I don't think so Johny boy”.

“Don’t say no too soon, your a good asset to the business.” Pol added. No one was ever in y/n’s corner more than Pol, they would bang heads sometimes, as neither of them would back down. But she accepted y/n was the only one that had the best interest for Tommy.

The front door closed, and there he stood, the room turning to face Tommy, silence filling the room, then he broke it, “Heard you were back.”

“Yeah,” she replied quietly.

“Well, you know where I am if you need that job, I’m sure you’ve already been told,” he spoke, cigarette hanging from his mouth, as he walked away from them and into his office.

Y/n let out a breath, as though she hadn’t been breathing the whole time he was there. Ada smiled at her, placing her hand onto y/n’s, “I’m just going to get ready for the day love,” and off she went upstairs. The boys getting on with their day, and Pol following suit.

Y/n sat collecting her thoughts while trying to tell herself to face her ex lover, who she was still so deeply in love with. She tapped on the door slightly, opening it before opening it, “hi”, seeing his eyes flutter onto her shot tingles throughout her body, his eyes quickly looking away

“You can start tomorrow if you wish, I need a few papers signed and sent tomorrow. I can get your contract drawn up tonight.” He spoke, his eyes still not lifting from the paper in front of him.

“Yes, that’s fine 8am?”

“8.45, shop doesn’t open until 9. And there are others to set it up, that’s not your job.”

Nodding, “I heard you have a new woman.”

At this point he did look up at her, “I heard you had plenty men in London,”

She laughed slightly, nodding before heading to the door, “none were ever a patch on you,” closing the door, leaving a smirk on Thomas Shelbys face.

The following day came around, as y/n got ready for the day. Putting on a formal black tightly fitted dress, flats and pin curled hair. A slight tint of red lippy, remembering it used to be Tom’s favourite. Assuming Tommy wouldn’t be at the shop at this time, she took a whiskey with her placing it on the desk infront of Tommy’s office. The place was silent, despite there being other employees now starting to arrive, something calming about the place, almost the calm before the storm, she thought.

The hour was now around ten thirty, and there was still no sign of Tommy. She had already finished the papers he had left for her on her desk. It wasn’t the usual small Heath lady, she was educated, and to a very high level. y/n was sat twiddling her thumbs, awaiting Tommy’s arrival to get other things done.

��Y/n. My office please,” his voice low, as he stood behind her. She stood up quickly, following him into the private room.

“There’s your contract, if you wish to have a read over it. I see you’ve finished the work I gave given you for the day.”

Y/n took the contract into her hands, scanning for any mistakes or anything to question. But he actually was paying her nearly double the rate of other staff, and just over that the London rate was, “you’ve done your research eh. More than London rates, impressive. The peaky’s are stepping up in the world” Y/n smiled at him, as she placed the documents on the desk, picking up his pen, and signing it. Y/n Y/l/n. Followed with today’s date. That was now it, she was a Shelby Co Ltd employee.

...

The days turned into weeks, spending time with tommy while no one else was looking was becoming a regular thing. She now had her own place, just doors down from the shop. He would regularly call her into the office, and discuss things that he would usually never utter a word about. It had always been that way with them, since they were little, he would confine in her, telling her all the issue and problems he was facing, both in his mind and with others. But it was also coming to her attention that he was still seeing Grace.

Later on in the day, the clock chimes 11pm, as y/n sat listening to the music that takes her back to a child, while sipping a whiskey. The knock of her front door bringing her out of her daydream, she picked up her handgun that she kept on her at all times. Growing up with The Shelby’s, she had to protect herself in someway. She kept it behind her, out of view for anyone who was in front of her, slowly creeping up to answer the door. She swung it open, gun clocked and pointed directly in the face of Thomas Shelby. Not wasted, but defiantly had a few.

“Ah, can never change a Shelby girl eh” He spoke, laughing slightly as she lowered the gun and he stepped inside.

“Although, I’ve never been a Shelby girl, have I Tom?”

“Depends who you ask.”

She sighed, stepping in to the fire lit living room, “Drink?”

He nodded in response, and y/n began to pour him a whiskey, topping up hers and handing a full glass over to him. “Why are you here?”

He stepped over to her, the closest they had been together since before she left for London. He placed a hand on her back, pulling her head into touch his, their foreheads touching. The sensation ran through her body like the first time they had ever touched. He placed his hand on around the back of her neck, pulling her into him, his lips crashing onto hers. Their tongues intertwining with each others as the kiss started to deepen. Y/n reached for his jacket, pulling it off his back, before making her way on to unbuttoning his shirt. Tommy pulled the bottom of her nightdress up, y/n only allowing the kiss to be broken to allow it to come over her head.

Their lips syncing with each other once again as tommy took his now unbuttoned shirt off, moving onto unbuckling his trousers revealing his already hard length. He began to push her back onto the couch, untangling her lace thongs from around her legs. His fingers trailing over her already wet pussy, “Do it” y/n whispered as she pulled his face back up to kiss hers.

He didn't even wait as he shoved his length into her. Their bodies rocked in sync together, “Tommy...” Y/n moaned, her fingers trailing down his shirtless torso. The stars were starting to align, the room was warm, full of love. It felt as though it was five minutes but in reality it was around fifteen all in.

Their breath shortened as y/n’s back started to arch as she came close to climax, “cum for me”. He spoke, looking at her directly in the eyes as he rocked her world. The love, chemistry, love and lust, all so very present just as it was back how they were before. Both of them moaning in pleasure, as they both came at the same time. The deep breaths and steamy windows showing the passion that had just unfolded.

::::::::::::::::::::

It was a Friday evening, a week following the night of sin that taken place between Tommy and Y/n. They had still had the talks in private in the office, and on another occasion she was fucked bent over his desk after closing time. Y/n wasn't one to hide her feelings, it would always be present on her face so when it came to facing Grace in the Garrison, it wasn't hard to tell how y/n’s feelings were over her.

Pol chuckled softly, clocking the glare Grace was on the opposite end of, “If looks could kill” Ada joining in on the hilarity.

“She would've been killed 8 times over” Y/n replied, turning back to face the women. Whiskey in hand.

“Feelings still there for him then?” Ada asked.

“No, I wouldnt say so” y/n lied.

“Cant lie to a gypsy woman love” Pol laughed, y/n begining to laugh with her when the doors open to reveal Tommy and his two bothers. Tommy’s icy blue eyes scanning the room, a slight smile shooting over to Y/n before approching the bar where Grace was, where he stood there for a good twenty minutes chatting away to her.

“I cant take this anymore.” y/n looked over to Ada, who was rising her eyebrow while taking a sip of her drink. She was fairly close to them, and y/n being y/n liked to have a slight stir up now and again. She stood up, smile showing on her face as Pol and Ada laughed, watching her approach them both.

“So, hows your little fling going?” she spok loud enough that Pol, Ada, Arthur and John could hear her.

“Y/n” Tommy warned.

“Who are you?” Grace questioned.

“Y/N,” she responded, leaning herself against the bar, “The woman he has fucked behind your back multiple times this week.”

Pol snorted, almost chocking on her drink, “ I fucking knew it. Gypsy senses never lie.”

“To be honest with you Grace, you had absolutely no chance when Y/N came back” Ada added.

At this point, Tommy had moved y/n away from the bar, into the small room, “what are you doing?”

“You cant take the piss out of me, fucking me but then fucking her thinking youll get away with it.” she was pissed, and he could see it in her face. They had never spoke on their feelings toward each other. Everyone knew that it was always each other but there was nothing that compared to them, they always seemed to go back.

“I have always loved you but you left to go to London, I had people follow you. I knew what you were up to so I assumed you would stay down there, I assumed you had moved on.” He spoke, almost showing vulnerability.

“Oh I know. I can remember faces Tom. I think you forget I can see right through you,” she seethed, through her teeth, “what are you going to do about this?”

Tommy cupped her face, pulling her into kiss her.

“I love you.” He mumbled, feeling her smile into their kiss.

“I love you Tom,”

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chanoyu-to-wa · 5 years ago

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Nampō Roku, Book 5 (2.2), Appendix 2: the Arrangement of the Utensils on the Mat, in Front of the Daisu, During the Temae.

The information reviewed in this post has been collected from a number of the arrangements included in Book Five, as well as from other places in the Nampō Roku -- primarily the discussions of kane-wari that are found in Book Six. Because of the compilatory and syncretic nature of the contents, as well as my specific purpose to present some generally applicable rules that will help the reader interpret the arrangements that were included in Book Five¹, it is not possible to cite specific passages as the source of the translation.

A more or less historical treatment of this subject seems warranted, since this makes the evolutionary process more logical². Thus, following the shiki-shi [敷き紙], the temae passed through stages, where the nagabon [長盆] (and the other large trays³ that were used between the time of Ashikaga Yoshimasa, and that of Jōō) gave way to the chaire-bon [茶入盆], and finally the point where the utensils came to be arranged directly on the mat (without any tray at all). It is this progression that is covered in Book Five of the Nampō Roku⁴.

I will conclude this post by taking a look at Rikyū’s own important modifications⁵.

I. The Dimensions of the Various Utensils Mentioned in Book Five of the Nampō Roku⁶.

An understanding of the arrangements described in Book Five, as well as kane-wari itself (as it is considered in the Nampō Roku), is predicated on the recognition of the details of the specific utensils (particularly their sizes) that were used to create these arrangements. In this sense, Book Five is a collection of precedents⁷, as much as a synopsis of the way that the daisu was used in the early days of chanoyu in Japan⁸ -- and the occasional kaki-ire indicate those situations in which different types of utensils were historically used in a similar manner when serving tea.

❖ Bon [盆]⁹.

◦ Gassan nagabon [月山長盆]: dimensions of the face (these are also the dimensions of the foot of the tray), 8-sun by 1-shaku 2-sun; measured across the rim, 1-shaku 3-sun 2-bu by 9-sun 2-bu.

◦ Chōshō Rai-bon [趙昌雷盆]: maximum diameter, 1-shaku 1-sun (the rim was perpendicular, but foliated like a 12-petalled flower).

◦ Tsune no nagabon [常の長盆]: dimensions of the face, 1-shaku 3-sun by 8-sun 2-bu; dimensions of the rim, 1-shaku 5-sun 2-bu by 1-shaku 4-bu.

◦ Naka marubon [中丸盆]: diameter, 1-shaku 2-sun 3-bu (it had a perpendicular rim, but with a band running around the middle of the side that increased the diameter from 1-shaku 2-sun to 1-shaku 2-sun 3-bu).

◦ Dai marubon [大丸盆]: diameter, 1-shaku 3-sun (this tray had a perpendicular rim; it was the largest tray that could be lowered to the mat during the temae).

◦ Shaku-nagabon [尺長盆]: dimensions of the face, 1-shaku 4-sun 4-bu by 8-sun 4-bu; dimensions of the rim, 1-shaku 6-sun 8-bu by 1-shaku 8-bu.

❖ Chawan [茶碗].

◦ Temmoku-chawan [天目茶碗]: diameter across the mouth, 3-sun 8-bu, or 3-sun 9-bu (according to a kaki-ire in the Nampō Roku).

◦ Temmoku-dai [天目臺]: diameter of the hane [羽], 5-sun 2-bu.

◦ Shukō chawan [珠光茶碗]: diameter across the mouth, 5-sun 2-bu.

◦ Ido-chawan [井戸茶碗]: diameter across the mouth, 4-sun 9-bu (however, Shukō’s ido-chawan measured 4-sun 7-bu).

◦ Ko-chawan [小茶碗]: diameter, 4-sun.

❖ Chaire [茶入].

◦ Meibutsu nasu-chaire [名物茄子茶入]: diameter, 2-sun 2-bu.

◦ Ko-tsubo [小壺茶入]: diameter, 1-sun 9-bu.

◦ Ō-buri katatsuki [大振リ肩衝] (”large” katatsuki): diameter, 2-sun 5-bu (though diameters up to 2-sun 7-bu are found among the meibutsu large katatsuki).

◦ Ō-buri taikai [大振リ大海] (”large” taikai): diameter, 3-sun 2-bu.

❖ Chashaku [茶杓].

◦ Daisu chashaku [臺子茶杓]: length from the end of the handle to the bend of the bowl, 5-sun 3-bu; length from the bend of the bowl to the tip, 7-bu.

II. The Foundation of the Arrangement of the Utensils in Front of the Daisu Lies with the Shiki-shi.

The following sketches¹⁰ are (anachronistically) configured so that the guests would be seated on the host’s right, with the katte on his left¹¹.

While there is no (surviving) evidence that the shiki-shi was ever actually used in Japan¹², it forms the basis for the way that the utensils are arranged in front of the daisu during the temae; and remained the controlling factor in Jō��‘s daisu-temae.

III. The Arrangement of the Utensils in Front of the Daisu During the Temae, from Yoshimasa to Jōō.

1) The earliest temae recorded as having been performed in Japan was the nagabon futatsu-gumi temae known as san-shu gokushin [三種極眞]¹³. The Gassan nagabon [月山長盆]¹⁴ was used because, when the chaire was centered on the tray, it was located in the same place as it had been when arranged on the shiki-shi.

The nagabon touches the front edge of the daisu, and the right side reaches the right-edge of the utensil mat¹⁵.

It seems that while Jōō was aware of this temae, he preferred not to use it when serving tea -- because he did not own the original utensils (most of which had been destroyed when Ashikaga Yoshimasa’s storehouse was destroyed during the Ōnin wars).

2) However, using the nagabon-temae as his precedent, Jōō created the chaire-bon. According to a story recounted by Rikyū (in several of his densho), Jōō did this by “cutting the nagabon in half¹⁶.” The tray was placed so that the chaire would continue to occupy the same spot during the temae -- which means that the tray was 5-bu from the front of the daisu, and 3-me¹⁷ from the heri.

3) Since bon-date required a chaire of a certain quality, chaire of the more ordinary sort (or ones that, albeit of high quality, had not been paired with a tray¹⁸) came to be placed directly on the mat¹⁹. Nevertheless, it was located in exactly the same spot as it had been all along²⁰.

At this point in time, the omo-chawan was always a large chawan, such as a Korean ido-chawan²¹. This is the first arrangement that is depicted in Book Five.

IV. Rikyū’s Simplification of the Way the Utensils are Arranged in Front of the Daisu.

Rikyū seems to have continued with the earlier method until the last decade or so of his life²². Since he preferred a simpler version of kane-wari, where all of the kane were simple lines (which he equated with the lines on the mat), he did away with the theoretical remains of the shiki-shi. As a result, the utensils were pulled toward the center of the mat by approximately 5-bu.

1) Here the nagabon is placed with its foot adjacent to the heri (so that the rim of the tray extends over the heri). This is the temae that he described in his Shin no dai-temmoku, onaji daisu no koto no densho [眞の臺天目、同臺子の事の��書] of 1586²³.

2) Rikyū’s chaire-bon was also made smaller than Jōō‘s -- since that allowed him to place the chawan next to the chaire²⁴.

He also came to use modern-made bowls of the smaller size -- except when serving tea to someone of high rank²⁵ -- and to place the futaoki on the mat, rather than on the ji-ita as had been done theretofore²⁶.

3) And, finally, Rikyū also performed a simplified temae with the daisu -- on occasions such as a court banquet, where usucha was served in this way following the meal in the shoin.

_________________________

¹The reader must understand that the details contained in this post -- including the measurements of the utensils -- was considered to be at least as secret as the arrangements themselves. The arrangements provide clues to how the utensils should be used, or course, but without an understanding of how the sizes of the utensils figure into this calculation -- and how all of this relates to the shiki-shi [敷き紙] -- it is impossible to understand why things are done in the way they are.

One consequence of these considerations is that almost all of the arrangements that were included in Book Five limit the discussion* to the initial arrangement of the utensils on the daisu†, and, of course, none of them discuss the sizes of the utensils at all. While that is generally enough for someone who had been schooled in these practices, it can often be a source of bewilderment for the modern reader, making some sort of summary (as I am attempting to give in this post) desirable. __________ *I am using the word “discussion” very loosely, since most of the sketches have little or no authentic text attached to them -- and what there is, is primarily limited to identifying the utensils (often by name -- the assumption being that the person reviewing the sketches would be familiar with the utensils, and so their particulars).

It was the absolute importance of this sort of thing that appears to have been at least part of Hideyoshi’s motivation to gather all of the then-extant meibutsu utensils together in one place, producing a collection that exceeded Jōō‘s -- which earned for Jōō the title of the greatest teacher of his age. This is also why the measurements of the utensils were a carefully kept secret (even when, in the Edo period, the actual significance of their measurements was no longer understood -- the assumption at that time being that this was done primarily to prevent copies being circulated under famous names) -- a taboo that was first breached, on any significant scale, by Takahashi Yoshio [高橋義雄; 1861 ~ 1937] (who was better known in tea circles as Takahashi Sōan [高橋箒庵]), in his works Tō-to chakai-ki [東都茶会記] (13 volumes; published between 1914 and 1920), Taishō sadō-ki [大正茶道記] (8 volumes; published between 1921 and 1928), and, most importantly, the Taishō meiki-kan [大正名器鑑] (10 sections in 12 volumes; published between 1921 and 1927). Of course, at the time when Takahashi Sōan was writing, the overpowering influence of the schools on the way to interpret the historical documents (as an extension of their teachings and practices) was in its ascendancy, meaning that the true significance of the information provided by his recitation of the details of the famous utensils was, to a great extent, largely under-appreciated by his colleagues and contemporaries.

†In several instances -- where things differ rather greatly from the usual -- indications are made showing where the utensils end up when they are lowered to the mat, though only in one instance (in the discussion of the shin [眞] use of the Chōshō Rai-bon [趙昌雷盆] -- which spans entries 10 to 12) does the author of the collection actually goes into something vaguely resembling temae-notes.

²Even if a historical chronology is not entirely accurate -- since the wabi fringe who concentrated their practice on the use of a simplified o-chanoyu-dana (this group, which seems to have begun their activities on the continent, originally included Shukō himself), appears to have obviated the need for trays, even while the tea world at large was still committed to their use.

³The six meibutsu large trays used by Ashikaga Yoshimasa were:

◦ the Gassan nagabon [月山長盆] resembled a framed painting of a night scene (mountains and a village, mounted riders, and the full moon in the center of the tray) in maki-e and mother-of-pearl inlay; it measured 1-shaku 3-sun 2-bu by 9-sun 2-bu;

◦ the tsune no nagabon [常の長盆] was made of guri-guri lacquer, with a smooth face (to keep the face of the tray clean, since dust can collect in the carved decoration), and measured 1-shaku 5-sun 2-bu by 1-shaku 4-bu;

◦ the shaku-nagabon [尺長盆] was painted with mirror-finish black lacquer, and measured 1-shaku 6-sun 8-bu by 1-shaku 8-bu across the rim;

◦ the Chōshō Rai-bon [趙昌雷盆] was a round tray that featured a stylized depiction of grassy flowers and vines in maki-e and mother-of-pearl inlay, with a foliated rim (like a 12-petalled flower), and a diameter of 1-shaku 1-sun;

◦ the naka marubon [中丸盆], another round tray, had a gold plate* (shaped like a dragon) inlaid onto the face, and gold fukurin around the rim, with a raised band in the middle of the sides (allowing for a a firmer grip): this tray measured 1-shaku 2-sun in diameter, though the band increased that to 1-shaku 2-sun 3-bu;

◦ the dai marubon [大丸盆], a third round tray, featured a karakusa design with doubled vines in mother-of-pearl inlay on the face; it was 1-shaku 3-sun in diameter.

In addition to these trays (all of which were lost during the Ōnin wars when Yoshimasa’s storehouse was fired†), several other large trays‡ are also mentioned in Book Five (as well as elsewhere in the Nampō Roku)**. ___________ *More likely, polished brass. This tray appears to have originally been made for carrying dishes of hot food from the kitchens to the residential apartments in the palace. The inlaid metal plate prevented the tray from being scorched by the heat of the serving vessels.

†Because one of his retainers had kept a written record of the trays, which included the details of both their sizes and appearance, Yoshimasa was able to have copies made afterward. However, because it would have been difficult to reproduce the decorations authentically, it was decided that the copies be rendered in mirror-finish black lacquer (which was the greatest achievement of the Japanese lacquer artists, far surpassing continental efforts at the same effect).

At least several of these copies came into Jōō’s hands, thereby informing his own practice.

‡A “large tray” is one that is 1-shaku across, or larger. By comparison, Jōō‘s chaire-bon were around 8-sun across.

**The use of most of which can be traced back to the machi-shū practitioners of the late fifteenth and early sixteenth centuries -- and which represent a sort of conflation between the ideas of the wabi and the gokushin forms of the practice.

⁴While the first arrangement shows the use of an ordinary set of utensils, thereafter the book begins to look at the various trays and other special objects that came to be used on the daisu. It concludes with a number of arrangements where both tea and incense utensils are displayed together -- many of these were probably taken from usages that Jōō had observed at the Shino family’s kō-kai [香會].

That said, the contents are not arranged chronologically (the san-shu gokushin temae [三種極眞手前], for example -- which was the first temae recorded as having been performed in Japan, at least in a public venue -- took place in 1403; however, san-shu gokushin is the seventh arrangement described in this work).

It is important for the reader to keep in mind that all of the arrangements discussed in Book Five follow Jōō’s understanding of the classical teachings, which was based on the idea of the shiki-shi as the foundation of the practice of kane-wari. Attempting to interpret these arrangements through Rikyū’s teachings (which eliminated the lingering influence of the shiki-shi by reducing the three central kane to simple lines, and so drawing the temae-za inward, so that the space available to the host ends at the heri) will result in the confusion that is found in many of the Japanese commentaries.

⁵This look is intended to allow the reader to see the differences between the classical approach and the modifications that Rikyū effected during the last decade or so of his lifetime.

⁶As was also true regarding the similar class of information published in the previous appendix, the details given in this section have been collected from numerous sources (including museum catalogs and direct measurements) over the course of several decades. Much of it has not been published elsewhere -- because, as mentioned above, the measurements of meibutsu tea utensils have traditionally been considered to be as “secret” as the special temae during which they are used to prepare and serve tea.

⁷Already in Book Five, we are given evidence of a temae, created for one specific utensil, being employed when serving tea with a different utensil*. While the original intention may have been as an attempt to preserve these classical usages, the applicability of many of these practices† surely had informed the original author's‡ comments. __________ *Occasionally pieces that were completely dissimilar -- as when a temae created for a sasa-mimi [笹耳] (a kind of exaggeratedly etiolated chaire with small ears on the sides of the mouth) being used when serving tea with a large taikai [大海].

†Even by Jōō's day, many of the utensils named in Book Five had already been lost, while many of those that were believed to have survived might be questioned -- since the dimensions of the extant pieces occasionally fail to agree with the demands of kane-wari. (Since the official practice of awarding meibutsu utensils to the daimyō was subsequently modified -- so that in many cases the award expired upon the death of the recipient, at which time the object had to be returned to the shōgun -- it appears that copies of a number of the most famous pieces were ordered from China during the early Edo period. Originally as insurance policies against the loss or damage of the original -- which could provoke a political scandal, or even an investigation into the affairs of the province by the bakufu -- the actual sizes of some of these copies were changed -- to allow them to be better used to serve tea according to Edo period conventions. It appears that, in at least some cases, it is the later version that has come down to us, rather than the actual original. This is most notable in the case of the temmoku -- the early bowls were too small to be used for sui-cha [吸い茶], where one bowl of tea is shared by several guests -- though some of the chaire also appear larger than originally described. Records from the nineteenth and early twentieth centuries indicate that many of the great meibutsu were accompanied by several copies that were so perfect that it was impossible to state which was actually the original.)‡Presumed to have been Jōō, though the fact that most (if not all) of the sketches were modified to show the left-katte orientation (which became standard in the Edo period) implicates the hand of Sen family in the present form of this manuscript (though whether these changes were made by Tachibana Jitsuzan himself -- who had been a disciple of Sen no Sōtan -- or by an agent acting more directly on their behalf at a time previous to Jitsuzan's access to the Shū-un-an cache of documents, cannot be deduced without access to the original Shū-un-an material).

⁸Ultimately, the arrangements often show us why a specific utensils came to be considered a meibutsu -- because these were the specific usages that had been established by those utensils. This is the primary difference between the classical understanding of what it was to be a meibutsu utensil, and the (commercially oriented) definitions that arose in the Edo period (and still dominate our understanding today).

⁹The original six trays that were used by Ashikaga Yoshimasa were all imported from the continent -- where they were probably made for more mundane purposes (rather than specifically for use in chanoyu). The trays were discovered by Nōami in the government’s repositories, and brought, by him, to Yoshimasa’s attention (Nōami, then, was the original source of their associated temae).

The original trays were destroyed during the Ōnin wars, and their loss distressed Yoshimasa until one of his minor retainers (who is identified only by his family name and title, as Hosokawa zusho-no-suke [細川圖書助]; according to Book Six, he was a magistrate -- bugyō-nin [奉行人] -- in the Treasury) produced a memorandum (that he had made), recording their details. Because the original trays were decorated with various sorts of lacquer techniques (some of which could not be replicated in Japan effectively), in several cases with paintings created by famous Chinese artists (detailed reproductions of which had not been preserved), it was decided that the copies would be finished with kagami-nuri [鏡塗] (black, mirror-finished lacquer), since the Japanese surpassed the continental artisans in this technique.

This section only details the six classical large-trays. The chaire-bon, which were the product of Jōō’s sakui [作意], were custom fitted to the specific chaire with which they would be used. Thus they cannot be generalized here. (Jōō‘s formula was that the trays should be 3-sun larger than the chaire, with which it was paired, on all four sides. Thus, these trays ranged from 7-sun 9-bu for trays paired with the smallest of the ko-tsubo, up to around 8-sun 7-bu for trays that were used with the largest of the classical katatsuki.)

¹⁰The sketches have been created very carefully, with the appropriate number of me depicted on the surface of the tatami. Thus, they can be used as an accurate guide to both visualize, and recreate, the arrangements.

I will attempt to continue this in the sketches that will accompany each of the arrangements that are discussed in Book Five of the Nampō Roku.

¹¹This was done so as to make these sketches more relatable -- to the reader -- when compared with those found throughout Book Five.

It is not clear who was responsible for reconfiguring* the contents of Book Five to conform with what had been the official preference since Hideyoshi, though it is reasonable to imagine that the changes predated this material coming into Tachibana Jitsuzan’s hands†. ___________ *Since the only difference between the two orientations is where the futaoki is displayed on the ji-ita of the daisu -- and since many of the sketches only show the furo (with the comment that the rest of the kaigu are arranged as usual) -- changing things would have involved only a minimal degree of effort.

†The Sen family had a vested interest in keeping things as they were, rather than allowing room for any discussion of how things had been during Jōō’s, or Rikyū’s, lifetimes.

¹²This does not mean that it never existed. While such practices may have been rarely seen (because, from the time of Yoshimasa, the large trays were used*), they may have come to be associated with the Shino family during the early years of the sixteenth century, and so methodically stripped from the record at the beginning of the Edo period, along with all of the other details of the Shino family’s incense gatherings that included the service of tea†.

Beginning in the Edo period, there was a conscious effort to distance the arts from each other. Thus, Rikyū is associated exclusively with chanoyu, even though he was equally a master of ikebana (as the fact that he created the flower scissors now used by the ikebana schools, though forbidden for use in the tearoom); Jōō was as much a classically trained poet and expert at incense, as he was a tea master -- though it was from the Shino family that he borrowed the idea for what eventually came to be known as the cha-kai [茶會] (as a derivative of the Shino’s kō-kai [香會]). ___________ *The large trays took the place of the shiki-shi. Since Yoshimasa had political reasons for wanting to display the wealth of his house (the power of which had been in decline since the Ōnin wars), he would naturally have preferred to use priceless antique trays that had come from China many decades before, rather than a locally-made paper mat (even if it was gilded and silvered -- though the original shiki-shi was made of cardboard panels covered with off-white tori-no-ko kami [鳥の子紙], which was originally used as wallpaper).

†This was not as difficult as it might seem, since the original Korean family became extinct towards the end of the sixteenth century, and the tradition was carried on by their Japanese disciples. All surviving documentation appears to be in the hand of this latter group (who have also downplayed the connection of the family to Korea to the extent that it is almost unknown today).

¹³This temae is a variation of the nagabon futatsu-gumi temae [長盆二ツ組手前]*, designed to highlight three special utensils that had been presented to the shōgun (Ashikaga Yoshimitsu [足利義満; 1358 ~ 1408) by the Emperor (Go-komatsu tennō [後小松天皇; 1377 ~ 1433]), along with a gift of tea, and a letter expressing the Imperial desire that the shōgun would drink the tea, and so recover his health. ___________ *The nagabon futatsu-gumi temae is the temae described in Rikyū’s Shin no dai-temmoku, onaji daisu no koto no densho [眞の臺天目、同臺子の事の傳書]. In this temae, the nagabon is displayed on the ten-ita, with the dai-temmoku and chaire (both tied in shifuku) arranged on it, with the full nanatsu-kazari below.

San-shu gokushin reduces the kaigu to the furo-kama, futaoki, and mizusashi (the latter being brought out from the katte at the beginning of the temae, rather than displayed on the ji-ita as usual).

¹⁴Some sources indicate that the preferred pronunciation of the name of this tray is Tsuki-yama bon [月山長盆]. This was supposedly a secret tradition.

That said, the evidence for this argument dates only from the time of Tachibana Jitsuzan and his contemporaries, and may well represent their efforts to make the contents of the Nampō Roku (which it seems they understood imperfectly in any case) more mysterious.

Regardless of the pronunciation, the name derived from the original tray, which was created to resemble a framed painting (the rim of the tray forming the frame). The picture had a round circle of mother-of-pearl in the exact center, representing the full moon. On the left were mounted horsemen, one of whom bore a spear (which was held upright) adorned with a tassel of horse-hair*, while on the right side were houses representing a mountain village, with high peaks behind. These elements were all oriented deliberately (of the six trays, perhaps only this one had been created specifically for something like chanoyu), so that when the chaire was placed on top of the moon (the moon is said to have been the same size as the foot of the Kamakura-nasu chaire), it was exactly centered on the tray. The chashaku (which should be equidistant between the chaire and the left rim of the tray) rested on top of the spear, with the bowl touching the tray on the tassel (this caused its tip to be in line with the far side of the chaire). The chasen was placed on top of the mountains, and the chakin atop the houses, thus appropriately orienting them as well. ___________ *This decoration was referred to as a temmoku-tate, and apparently identified the person as a bannerman, and the leader of the group.

¹⁵In the original configuration of the room in which chanoyu was performed, a board 5-sun* wide was located along the entire wall to the right of the utensil mat (and the half-mat that adjoined its foot). This was because the original room was 10-shaku square, while the area covered by the mats is 9-shaku 4-sun 5-bu square†.

At any rate, because of the presence of this board, the rim of the nagabon extending fully to the right edge of the mat was of no special consequence, visually or otherwise. __________ *Actually, it was approximately 5-sun 5-bu wide. The board, however, was known as a go-sun-ita [五寸板], probably because that is a more efficient way to describe it.†A second go-sun-ita was usually inserted along one of the other walls -- most commonly on the side of the room where the jō-dan [上段], with its oshi-ita [押板], was located. (The jō-dan and oshi-ita eventually were fused together to form the tokonoma.)

¹⁶Though this is not really an accurate description, since the Gassan-bon measures 1-shaku 3-sun 2-bu by 9-sun 2-bu, and the “ordinary” nagabon measures 1-shaku 5-sun 2-bu by 1-shaku 4-bu -- while Jōō's chaire-bon range from 7-sun 9-bu to 8-sun 7-bu square (and their size was determined by the chaire that would be placed on them).

The point of Rikyū's story was that, recognizing the fact that the temmoku only occupies its half of the tray when the nagabon is displayed on the daisu (or beneath the chigai-dana), the part of the tray that it used could be removed without any real consequences* (other than to give the host more room).

Square trays were preferred by Jōō and Rikyū because they can be more accurately aligned with the me and the front edge of the tana. Most of the trays in other shapes were introduced by certain machi-shū, based on Jōō's idea. ___________ *Before the nagabon is lowered to the mat, the temmoku is lifted off the tray and set directly on the ten-ita, to its left. Then, after moving the chaire to the middle of the tray, the temmoku and nagabon are lowered separately.

¹⁷In Rikyū’s version of this temae, the tray is located 4-me from the heri. This is the result of the elimination of the shiki-shi’s influence (which draws everything toward the center by approximately 5-bu.

¹⁸In the beginning, at least, Jōō preferred to pair his chaire with already-existing trays that had been imported from the continent (most of which had come to Japan many years before -- since the trade embargo between China and Korea and Japan was still in effect during the first half of the sixteenth century: foreign ships were able to carry certain goods, but the limitations of acquiring things through third parties meant that getting a tray that exactly matched the dimensions of the chaire would be too difficult to be practical -- eventually Jōō started having high-quality trays made in Japan, but that was toward the end of his life, when his chanoyu had already begun to evolve into its wabi phase).

¹⁹As Shukō, and the wabi-chajin of his generation, had done*. The decision over whether to place the chaire on a tray, or directly on the mat, had always been a question of quality. However, once a chaire had been paired with a tray, it was considered improper to ever again place it directly on the mat.

In Shukō's day the ko-tsubo (which was used for koicha†) was placed on the nagabon, and the large katatsuki, (which was used to serve usucha‡) was often placed directly on the mat. __________ *In fact, chanoyu probably did evolve from the nagabon to the ordinary temae where the utensils were placed directly on the mat on the continent. It is just that, in Japan, what we see is the introduction of different versions of the practice, as the different groups of practitioners arrived from the continent -- the first group, which started to arrive at the end of the fourteenth century, were court nobles who left Korea as the political situation began degenerating toward the deposition of the king (and, two years later, saw both his assassination, and his posthumously-born son -- who later became the great Ikkyū Sōjun [一休宗純; 1394 ~ 1481] -- exiled to a temple); while the second group consisted of what we would consider republicans (who had developed the wabi style of chanoyu), fleeing the restoration of the monarchy (which was coupled with a violent extermination of those who had opposed the feudal system).

†In the early days, on account of the rarity of the high-quality tea needed for koicha, koicha was usually served only to the shōkyaku.

‡Usucha was served to the other guests (who were supposed to be attending on the shōkyaku). Of course, the shōkyaku could also ask to drink a bowl of usucha -- then, as now, many people did not like koicha.

²⁰3-sun 5-bu from the front edge of the daisu, and 9-me from the heri. (Later, this came to be 10-me from the heri, as the influence of the shiki-shi was eliminated.)

²¹As has been mentioned before, the large chawan was originally used as a kae-chawan, when the omo-chawan was a temmoku.

At the time when Shukō began to use the large katatsuki for koicha, he also began to use his large chawan (the Shukō-chawan [珠光茶碗], as well as his ido-chawan -- the bowl now known as Tsutsu-i-zutsu [筒井筒]) as the bowl in which to serve it. (At that time, koicha was also served individually, like usucha.)

²²Though there is some doubt regarding precisely when the idea of removing the influence of the shiki-shi (from the temae-za) actually began. Some have even suggested that this change began during Jōō's last year of life. However, the change is verified only later, in Rikyū's last several densho -- where he speaks of counting the me in order to approximate the location of the kane.

²³Unlike Jōō, Rikyū seems to have had no reservations about performing this temae, assuming the utensils were suitable*.

Jōō (and Nambō Sōkei, according to his own writings) preferred not to use it, since the original utensils were no longer in existence†. __________ *That is, that they were karamono pieces, and of the exact sizes (which was not as difficult as it might seem, since temmoku bowls measuring 3-sun 8- or 9-bu, and pottery jars that measured 2-sun 2-bu in diameter which could be used as chaire, appear to have been fairly common on the continent).

†Sōkei states that he practiced the temae (apparently so that he could experience it), but “only outside” the host's entrance -- that is, not where anyone else could see him doing it.

²⁴Because the distance between the chaire and the small chawan should be 2-sun, and since his trays were also 2-sun larger than the chaire on all four sides, he was able to place a small chawan (like a Raku-chawan, or one of Oribe’s bowls) next to the bon-chaire just as if the tray were not present at all.

This simplification (to basically a single temae that could be used in almost every situation) appears to have annoyed many of his contemporaries.

²⁵Rikyū considered the dai-temmoku to be appropriate only when serving tea to someone of high rank. Thus, its use was the exception, rather than the rule; and the dai-temmoku was rarely employed apart from the daisu.

²⁶One “proof” that the practice of placing the futaoki on the mat in front of the daisu (just as is done when the furo is resting on a ko-ita) originated with Rikyū is the fact that most modern schools do not observe this practice in their daisu-temae.

Following Rikyū’s seppuku, the tea world abandoned his modifications* and attempted to return to the chanoyu of Jōō’s middle period (before Rikyū returned from the continent). This is why they teach that the futaoki should be placed on the ji-ita, between the furo and the mizusashi, as shown in the sketchs of Jōō’s usages†. ___________ *In so far as this was possible.

†I have added this note because many of the kaki-ire resurrect Rikyū’s modifications, such as having the futaoki placed on the mat in front of the daisu.

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olympivnshq · 5 years ago

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congratulations nyla ! this application was nothing short of exquisite. andrea is wholesome, and well rounded in the way you have thought her out and she seems like the perfect mortal counterpart to ATHENA. even through your descriptions and your sample, we could feel the regal hints and athena’s natural class shining through. we’re excited to see you interact with your first faceclaim choice: RACHEL WEISZ.

☆ﾟ*・ﾟ OOC INFO.

Hello my name is Nyla and my timezone is PST. I’m an avid fan of Rick Riordan’s writing and have always loved Greek mythology. I’m currently in university working towards a dual degree in classics and English literature so you could say that studying Greek mythology makes up a big part of my life

☆ﾟ*・ﾟ DEITY — GENDER. AGE RANGE.

ATHENA—F. 30-35

☆ﾟ*・ﾟ MORTAL NAME. JOB/OCCUPATION. BOROUGH/NEIGHBORHOOD.

ANDREA SCOTT. Curator for the American Museum of Natural History – in charge of acquisitions and collections. Upper East Side

☆ﾟ*・ﾟ AESTHETICS.

The sound of stilettos on freshly waxed marble floors, signed contracts, expensive fountain pens, classic statues, glass cases of artifacts, a stack of books, hair wrapped into an elegant chignon bun, brownstone apartments, appointment books filled with cursive writing, impeccable perfection, expertly winged eyeliner, lunch break walks across central park.

☆ﾟ*・ﾟ FACE-CLAIM.

Rachel Weisz / Annabelle Wallis / Olivia Wilde

☆ﾟ*・ PLAYLIST.

i. A seven nation army couldn’t hold me back // ii. But in all chaos, there is calculation // iii. They wanna make me their queen // iv. Whose side am I on, whose side am I? // v. I find it hard to tell you, I find it hard to take // vi. Everybody falls down, all the way down // vii. Ink on her skin incomplete // viii. Fifteen flares inside those ocean eyes // ix. I can hold the weight of worlds // v.In spite of all my fears, I can see it all so clear

☆ﾟ*・ HOW WOULD YOU PLAY THEM?

Athena is completely at peace when she is hard at work. She does not enjoy remaining idle with nothing to do, she enjoys a challenge and would like nothing better than to be strategizing and solving problems all day as she is well aware that her mind is leagues beyond everyone else’s. A master of linguistics, she’s able to converse with anyone that she meets, understanding not only the language, but the inherent focus of what people try to tell her. She is comfortable in her solitude, conceding that her intelligence alienates her and puts barriers around her that make it seem like she is unapproachable, however, to the brave souls who do cross that self-made barrier, she is a loyal and determined friend and source of refuge. Athena is a very difficult goddess to impress, as she requires nothing less than perfection with every task, but that being said, she is also a goddess who will come to those who need her and help them when she can. She is not the most forgiving of the goddesses and has a penchant for striking back at those who go against her, making sure that she always has the last word, and that attitude extends to her fellow gods and goddesses – she can hold grudges for a very long time and she would not hesitate in retaliating when she feels that she’s been slighted.

Andrea was raised with a silver spoon in her mouth, adopted by a wealthy railway tycoon who was based in New York, she was more of a publicity stunt for his more charitable benefactors than anything else. It took time, but her adoptive father did grow fond of Andrea, spoiling her and ensuring that her thirst for knowledge was quelled with the finest education that money could buy, and a seat on many of the city’s philanthropic committees as she grew older. She attended Oxford university and holds several degrees, including an undergraduate degree in art history and a doctorate degree in curatorial studies. Having studied in London for most of her post-secondary career, she was able to travel Europe and become immersed in the art and culture that the world had to offer, but New York called and she decided that achieving her educational accomplishments, it was time to come home. Andrea has inherited Athena’s fierce and relentless nature, but she is warmer, and easier to approach, eager to help whenever she can. While she is very particular about the standard of her own work, she understands that she cannot demand the same level of perfection from everyone and regularly tries to check herself and adjust to come to the safer middle ground between her expectations and what is possible. She is highly respected in New York society, not by her adoptive father’s name, but because of the work that amazing work that she does in bringing great examples of art and culture to the city. Andrea has yet to tap into the battle and strategy side of her goddess counterpart, but she has always been interested in the history of war, and is sometimes approached by federal organizations like the CIA and Departments of State due to her expertise in foreign affairs and linguistics – both hobbies and subjects of interest that she picked up in university and continued to study in the little free time she had when she was not working on acquisitions for the museum. She lives alone in a brownstone townhouse in the upper east side, where many of her walls are covered from floor to ceiling with books and documents. She surrounds herself with them as they bring her joy, and she likes to know that her personal collection can rival those of the world’s most intellectual bibliophiles. Andrea is well connected but doesn’t keep many close friends because of how intimidating she can be, often resorting to dry humor and raised eyebrows. She questions people, and picks them apart from mere observations and often doesn’t even realize that she is being blunt or revealing truths that people would rather not hear.

1. are they more likely to stand with the pantheon or against it?

Athena will definitely stand with the Pantheon. She believes in necessary order, and believes that the Pantheon is the only way to achieve this. She believes that each God and Goddess has a role to fulfill, and without the order that this balance maintains, the world is sure to delve into complete chaos and discord.

2. what is their stand on mortals?

She sees humans as important. She is not naïve, and doesn’t believe that they are unnecessary because of their lack of powers in comparison to the Gods, but she does see how easily manipulated they are by their emotions. It irks her to see so many problems come from the human inability to control themselves, and has little patience for the errors that happen as a result. That being said, she does not give up on the human race as it is not in Athena’s nature to back down from any challenge, and she believes that with guidance and proper shaping, mortals have plenty to offer the world.

☆ﾟ*・ SAMPLE PARA (OPTIONAL)

Heels clicking on the freshly waxed marble of the empty museum halls, Andrea looked around. In her opinion there was no greater privilege than the one that her job as curator provided her, being able to wander these halls and have access to all the art and history that the walls of the museum housed. She knows everything there is to know about every piece, observing them and taking them in as if each object has a life of its own that is worth knowing, for that is how she feels about knowledge – something to be appreciated as one would appreciate another human being. Perhaps that was her mistake, seeing more worth in her solitude looking at the displays, than in idle conversations filled with small talk and topics void of substance.

She passes through the artifacts of war exhibit, impressed as she always is, with the job that the display staff have done to showcase the great artifacts on loan to the museum from Greece and Rome, but she can’t help but succumb to the chill that goes up her spine when she looks at some of the items. The freshly shined brass of the swords, the murals of battles from the myths that she knew almost too well… it’s almost as if she was a part of the history, and not just the acquisition of each item. Yes, she had chosen each piece and planned the exhibition in her head spending many sleepless nights going over the blueprints and plans, but looking at them now she felt like she could see the battles taking place, with flashes of faces that she did not completely recognize invading her mind as she walked through the room. Her hands grew cold, remembering scenes that she knew she had not taken from any movies, watching in disappointment from above at the recklessness that fueled battles, always thinking that there was a more strategic way to go about each play.

Chalking it up to lack of sleep and an attachment to the museum’s newest exhibit she cleared her throat and took a final look at the space, satisfied with her final run through before the ribbon cutting ceremony that afternoon, and sparing one last glance at the spears and shields that were displayed in their full splendour in the middle of the room, stamped and brandished with the familiar symbol of an owl’s intelligent eyes.

☆ﾟ*・ ANYTHING ELSE?

Here is a link to a pinterest board that I made for Athena!

#ohq:accepted #lsrpg #mature rp #fantasy rp #athena #rachel weisz

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therealestatesparkblog · 6 years ago

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5 All-Too-Common Tenant Issues and How to Handle Them as a Landlord

Most tenants are fine, dont get me wrong. But some of them can be an enormous pain. Tenants, like just about everything else in this world, follow the Pareto Principle:20 percent will cause 80 percent of your problems. Furthermore, 20 percent of that 20 percent (or four percent) will cause 64 percent of your problems. And so on. There are several types of typical problems that tenants will cause, of which the most common are: Nonpayment or asking for endless payment plansDamaging the unit and refusing to pay for such damagesEndless complaintsMaking accusations of you or your staffTrying to make their problems your problems Well deal with each one independently, but first, its important to talk about a basic principal of dealing with tenants. Be fair, but firm. And always act as your tenants ally. As I put it in a previous post: Make something other than yourselfthe enemy. It could be the lease, the law, company policy or even the owner. But the enemy is certainly not the property manager. No, you as the property manager are the tenants ally. So for example: I appreciate how hard this is; however, we have to follow the lease, and the lease mandates that we charge these expenses. We legally cant make an exception for one unless we make it for all. Or perhaps, I think we can find the best possible outcome given your situation that will fit with what the lease requiresand the owner will accept. You are on their team trying to come up with the best solution (not necessarily what they want).The rules dictated by the lease, law, policy or owner are the enemy in this situation. This will calm down even the most indignant tenant and make almost any troublesome dispute better. 1. Nonpayment or Asking for Endless Payments Of course, the best way to deal with nonpayment is to not have it in the first place. And the best way to ensure tenants pay their rent is to screen, screen and screen some more. That being said, even with careful screening, some tenants will fall behind. The best way to deal with these situations is to simply create a policy for how you will go about nonpayment and payment plans. It simply cannot be overstated how important systems are in your business. If you fail to put in a policy, you are likely to fall victim to whatever sob story the tenant throws at you. And I can guarantee you, there will be a sob story every time. Our policy is pretty simple. Rent is due on the first and considered late on the fifth. Immediately on the fifth, a late fee is charged with virtually no exceptions. On the first workday after the 12th, we send out 72-hour notices telling the tenant that we will file for eviction if they do not pay within 72 hours. Afterwards, if we do not hear from them, we file. At this point, all eviction charges are put on the tenants balance. For every 12-month lease, we accept one payment plan. If the tenant does not comply with the terms we agree to, then an eviction will be filed. (Make sure to check with an attorney regarding your states laws to make sure your lease and policies are in compliance.) It may sound kind of harsh, but you have to systematize this, and take yourself out of the place where a tenant could convince you to change your policy. You just need to say something like Im sorry, but those are the companys policies. 2. Damaging the Unit and Refusing to Pay for Such Damages Whenever you sign a lease, you should make it very clear to the tenant what they are signing. You are not going to just fix whatever breaks no questions asked. If the tenant damages something, it should obviously be their responsibility to pay for the damages. Some things are obviously not their problem; such as the roof leaking or a furnace going out. Some are pretty obviously their fault, such as a hole in the drywall. Unfortunately, not everything is so cut and dry. This is one reason it is important to document everything in these situations. Take pictures of how things were when you found them damaged and what it looked like after the work was done. Make notes in your property management software for conversations with the tenant, etc. As my brother likes to say, If it its not in [our property management software], it didnt happen. Related:5 Ways Landlords Can Achieve Better Tenant Stability In many cases, you will have to make tough decisions regarding whether to charge the residents or not. We usually lean in the residents favor and take questionable costs on ourselves unless but this is not necessarily the best way to do it. You should let the resident know when they sign the lease that there are some gray areas and that you will try to be as fair as possible, but for some maintenance items, even if they disagree, they will need to be charged. When this happens, sometimes they will yell at you. Part of being in management (and in real estate in general) is growing a thick skin. People yell sometimes; they will calm down eventually. Be fair (and calm), but firm. And remember, tenants cant expect you to get out there immediately. If they owned their own home, they wouldnt be able to get someone out there to fix the washing machine that day, necessarily. You want to be quick (especially with HVAC and water issues), but dont let them bully you here. It may take a few days and thats not the end of the world. As far as tenants refusing to pay their balances, in these situations we usually allow a balance to go up to 10 percent of the tenants rent before we are willing to file for an eviction. You can pick a different amount, but you need to be consistent. 3. Endless Complaints Some tenants simply cannot be pleased. In many cases, they may just want to get out of the lease. For this reason, I would include a break-lease fee in your lease. Although, weve heard youll have more luck collecting it if you call it a, early termination option. Talk to a local attorney about what is allowed in your state. We charge, approximately but not exactly, two months rent for an early termination option.Regardless, you will want to be able to recommend this provision if its obvious the tenant wants to leave. That being said, I wouldnt ever let the tenant out of their lease for free, just because they are a hassle. This sets a very bad precedent and could even be used against you regarding fair housing, unless of course, you are willing to do it for everyone.

If the person is asking for one maintenance issue after another, you should continue to send a maintenance crew out. But you can charge a trip fee if the issue turns out to be nothing. Just make sure to document or have the maintenance tech document this very carefully. Indeed, (again, check your state law). Just make sure you document it thoroughly and dont overuse it. Lease violation fees are a disincentive for bad behavior, not a way to make money. Regardless, with these tenants, it is usually best to elect to not renew their lease when their lease is up. Again, check your state laws, but usually you will have a right to do this without even giving cause. Tenants who are a huge hassle are usually just not worth your limited time and limited energy. Related:5 Legitimate Reasons to Allow a Tenant to Break Their Lease 4. Making Accusations Against You and Your Staff This is obviously one of the worst things that can happen to you. First of all, one of the reasons its important to be fair and respectful is that this reduces the likelihood of getting false or trumped up accusations thrown at you or your staff. For example, one study showed that doctors who spent more time with their patients were less likely to be sued on that fact alone. The most common accusation Ive heard is that of a maintenance tech or leasing agent stealing something. And the last time we were accused of this, it was demonstrably false. Even still, the first thing you should do is call an attorney. Once any sort of accusation has been made like this, you want to ensure you follow the letter of the law exactly. What I can say is that you should make sure to document everything. And I would certainly ask those involved for detailed accounts of what happened, and get it in writing. Get all of the evidence you can. Unfortunately, with such things, there wont be much but testimony. That being said, if you have a maintenance technician, for example, who has gotten multiple complaints or been accused multiple times, its probably worth seriously considering letting that person go. 5. Trying to Make Their Problems Your Problem I remember once, when I was just getting started in management, I got pointlessly dragged into a dispute between two of our tenants. One of the women was accusing the other of being emotionally abusive and wanted out of the lease. So I went to their unit to try to work out a plan to get one of them out. Instead, I stood there in dumbstruck awe as each of them threw horrendous invective at each other. Needless to say, I wasted an afternoon that day. In the end, you are not obliged to work out such disputes between tenants. You are there to set the rules (as long as those rules are within the law). Some tenants may want to make their problems yours and you simply have to refuse. Let them know that such issues have to be resolved themselves. You can give them their options, but you should leave it at that. With regards to virtually every issue, it is best to create a system and stick to it as best as possible. Be polite and empathetic for sure, but dont bend just because someone gets angry with you or tells you a sob story. And while you cant come up with a system for each situation, you can for many and then add a policy for every new situation that comes up that you didnt think of before. As time goes by, there will be less and less situations that come up that dont have a policy on how to deal with them all ready to go.

Do you have any tips for dealing with problem tenants? Share your advice below! https://www.biggerpockets.com/renewsblog/how-to-handle-tenants-issues-as-a-landlord/

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The bank that finances my car requires me to hold 1000 deductible. I currently dont have insurance because the lowest rate i can get is 650 . Thats half of what I make a month . What should I do . Has anyone ever been in this situation ?

""Both Canidates say they will make insurance affordable, no #'s are given - what is affordable?""

Both Canidates say they will make insurance affordable, no #'s are given - what is affordable? Some people cant afford $2.00 a week or a month...they are living on nothing. My ...show more""

How can I drive my new car home without insurance?

I am buying a car and will need one-day insurance to get it back home, however I am 20 years old and no-one will cover me. How do I get the car home without trying to find someone over 20 to drive it for me?!""

Insurance companies scoop on value of totaled car?

If the market in your area is much higher then what nada is, the insurance is going to do a market analysis. How far can they legally go out. Meaning how many miles. If I am in ...show more""

What are the other things do I have to pay for besides the car and insurance?

Okay my budget for my first car will be 1000 pounds insurance will be about 4000 or even more...whats MOT and Tax? what about breakdown cover? I'm thinking about getting breakdown cover because I dont really have anyone to call if i'm in trouble...it would save me the embarassment...

""If the mandate to buy health insurance wont stand the supreme court review, why am I forced to buy...?

car insurance in the state of California?

Health insurance......?

Im applying for the health connect in missouri and they asked me to call two different insurance company for quotes. My coworker said to call like prudential and allstate but i thought they only sale care,home,life insurance. do they sell health insurance too? i called but they dont work on saturdays so i just wanna know if they do or what other places i can call.""

Whats the cheapest 4x4 to insure at 18?

i'm 18, just passed my test, live with my parents in a small town and work full time at the supermarket, won't be driving it much, i just want a 4x4!""

Need help with a question about car insurance quotes.?

Is it legal for someone else to get an insurance quote for you without your permission? The person called and told the insurance company they were cars he was thinking of buying. Neither car is in his name and neither owner gave express permission for him to ask for this information.

Can fleet insurance be cheaper than insuring 2 vehicles?

My boyfriend and I got in a debate about this. I will be graduating college in a few months and told him that I wanted to purchase a pickup sometime within the year, but wanted to ...show more""

How much will i pay per year in motorcycle insurance?

20 years old. No car drivers license, first time rider. planning to take the motorcycle safety foundation 3 day basic rider course. Live in new york city. Looking at a pre 2007 used honda rebel. not looking for an exact quote, just ballpark what i should be expecting.""

Young Drivers Car Insurance!!!?

I've been shopping around for car insurance and for a car on my own I cant get it below 4,000 so to get this lower I was going to add my dad as the main driver and put me as an additional driver which got it down to 1,600, that was the plan until my mum told me it was illegal and called 'fronting' so that's out the window but then I was told when I buy my car to get my dad to buy it in his name, and then do the whole main driver and additional driver thing and it should be okay, is this true? If not can someone please give me some advice on how to get cheap car insurance, I'm going to be 18, it will be my first car and anything below a 1.4 engine size. Thanks""

Insurance on a Subaru Impreza WRX Wagon.?

Would someone like please tell me how much insurance would run me on 2004 Subaru Impreza WRX wagon? I know that its not cheap, which I'm ok with. I just figured that it would be a little cheaper being that its a wagon, and I would also like to get a heads up b4 I talk to the insurance company P.S. If you have just an RS Impreza or a normal WRX you can also let me know how much that runs too. Either one is fine.. Thanks guys!""

""Car insurance for 2 people, is it cheaper to insure 2 seperate cars or 1 ?""

So 1 car each, or one between 2 people..... which one would generally be cheaper ?""

In the state of california is it illegal to drive a car with out auto insurance?

Help with car insurance claim process?

A few days ago I scraped a co-worker's vehicle in our work parking lot. She wasn't in a proper parking space, but whatever, it was clearly my fault. I am paying for repairs to her car. I have pictures of my vehicle after the accident, but not of hers, because she left for the day while I was trying to find out who I had hit and find her in the building. I haven't brought this up with my insurance company yet. I initially thought I was going to be paying for scuffs to be buffed out of her back bumper, which wouldn't be cheap to fix but I figured it'd be inexpensive enough that I wouldn't involve my insurance. Today she handed me an estimate for $600+ for bumper replacement and paint work, etc. Fine. It was my fault. I'll eat it. But if I now want to involve my insurance, what do I do? Do I need her insurance info to file a claim? If I call up my insurance, does her insurance have to also become involved? I'm not even fixing my car - the fender's messed up but it's an old car and cosmetic damage doesn't bother me. I don't know what my insurance deductible is...if it's $500+ then I guess I won't bother and will just pay up in cash.""

""What happens if you have health insurance through your job, then have to get new health insurance?""

If you have health insurance with your employer then quit, how can you get new health insurance with your new employer because aren't they going to see all your pre-existing history from your old insurance company?""

Got a fine for no car insurance.?

I got a fine for no car insurance in nj, but I do have insurance i just left it at home what will possibly happen to me? do you know how much is gonna cost me""

I'd like a bigger bike but what will the insurance cost me?

I'm looking to trade in my 125cc for a bigger bike, most likely a 600cc, but I'm wondering what the insurance will be considering I have 3 points on my license for speeding. I'm looking to get it for my 18th, and it will be restricted to 33bhp. Can anyone give me a ballpark figure of what the insurance will be? And what bike should I get?""

Driving family car with no insurance?

I Drive my sister's car around a bit because i couldn't afford my insurance. Since I don't have insurance but my sister does on her car, would I get a ticket or get car towed if I drive it around without insurance? or would my sister's insurance cover it too? Thanks""

Does anyone know of a great affordable insurance plan with maternity coverage?

I already know about maternity card (no good).

Where can I get a good deal on my car insurance?

I passed my driving test about 4 days ago now and sooo badly want to get a car. I am looking at a ford fiesta 1.25 zetec which I have seen but have done some insurance quotes and its sooo expensive. Where and how can I find cheap car insurance. I am doing my pass plus next week and I am now 18. I have a mum and dad i could put on the insurance but they do not have any no claims as they drive a company car. So is there anyway I can get a good deal and where? HELP!!!!

What is an average 16 year old car insurance bill?

Im am 16 years old bought a car sunday its a 96 240sx 2 door, and my mom is wondering how much my insurance would cost. And we are with allstate if that helps you guys.""

full coverage auto insurance quotes

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numberonetrashcollectorus-blog · 6 years ago

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auto insurance quote through state farn

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auto insurance quote through state farn

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

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I am looking into purchasing 2 triplex apartment buildings. They are both brick buildings built in 1990. Both have been maintained fairly well and have a really good price on them. ...show more

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Can you buy life insurance on anyone? I mean could you buy life insurance on everyone in the nursing homes, then collect the reward? Or quickly buy life insurance on hospitol patients?""

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I have a 80 cc scooter. I ride for pleasure , not commuting far distance. Right now, I am renewing, but $200 for 1 yr. coverage is to high. I'm a college student, 20 yr. old. I didn't take the driver course. Any students out there who have scooter insurance? what you have?""

Can you license get suspended if you don't have insurance on a car that you don't drive?

I don't drive my 1999 Mitsubishi eclipse because it has some engine problems and I don't have insurance on it because there is no point of paying it. I plain on getting it ...show more

Do you have health insurance?

how old are you and how old are your kids?

Blackjack: What is insurance?

How much does the player put down for insurance, and what do they win? Also, if their is anything else about it, I'd like to know that too.""

Will my car insurance rate go up?

so yesterday, I rear end into someone car but damage at all. His car still look new and my car still remain the same. But he said he will go check up his car, if there are some damage inside. He will claim my insurance. Suppose he claim my insurance, how much will my car insurance rate go up?""

Parents wont let me drive because im not on car insurance?!?

'm 17 now, and I'm planning on getting my license sometime this month. I was really planning on driving to school everyday after I recieved my license. But my parents flat out said NO, because I'm not covered by insurance. They say its way too expensive, and that I'm going off to college anyway next year (i dont plan on driving while im there). I'm really sick of taking the school bus! I just wanna drive to school. but insurance for teens is mad expensive. are there ways to lower the cost? and about average, how much is it anyway? i get good grades. all A's and very rarely B's. and i've taken drivers ed before too. anything else that would help? just any tips on how i can convince my parents to get my car insurance??!""

Cheapest car insurance for a 18 year old male?

Average cost for insurance?

What do u think the cost of insurance for a mazda rx-8 would cost or a sports car similar to that (cars with a big bonnet like mazda rx-8). This would be for a 17 year old. Please help

Motorcycle insurance/registration in IL?

Do I need insurance to register my motorcycle in the state of IL? I know I don't need insurance to register it at the currency exchange, but it's cheaper at the DMV so I rather go there, I just don't know if I need proof of insurance.""

How could she afford health insurance?

Here's the real life monthly budget of a 28 year old woman I recently met: Wages +1760 [$10 an hour; full time, no holiday bonus pay] Taxes -250 [Social Security, Medicare and Federal Income Tax] Take Home = 1510 rent 600 [1/2 of shared apartment] car 300 [includes auto insurance and repairs] food 200 [and household supplies] electric 50 [her half] cell ph 50 church 50 clothes 100 [includes makeup, beauty, and entertainment] replacements 165 [primarily for her car = 2,000/yr] {used car replaced about every four years with another used car that is about 6 years old when bought. Monthly costs are 150 for insurance, 50 for gas, and 100 for repairs. She has no auto loan payment.] *** How much does this woman have left to buy health insurance with? *** you're exactly right -- ZERO her employer offers all employees a fine health plan -- at a cost of 700 a month for a single employee [employer contribution is zero]. Is there any way she could possibly afford health insurance? Only if it is free. There is no other way. *** what does this woman do if/when she gets sick? because she works in health care, she aks the doctor who sees her patients while he's at her workplace. he looks at her off the record and writes an Rx if needed. cost = zero plus the Rx. *** Here's the challenge -- how do you pay for her health insurance without raising her taxes?? [She can't afford any higher taxes.] Notice that, aside from her car replacement fund, she has no savings, no retirement plan other than Social Security, and almost no assets. One credit card, zero balance, used once a week on average, always pays it off. *** Dear Congressman: This woman is your uninsured target. She almost literally can't afford to pay anything for health insurance; and certainly can't afford fancy health insurance -- she's just barely making it as is. [She makes too much to be eligible for Medicaid since she has no kids.] What's her plan for a serious illness? Go to the hospital, get admitted, and go bankrupt afterward. She has an older used car and no assets -- nothing to be taken away [her car fund would be emptied for rent and food while she's unable to work]. Tell us how this is going to work -- her employer, btw, is almost bankrupt now, so you can't tax it to provide the health insurance unless you also increase health care reimbursements to providers.""

How much is the car insurance of 17 years old?

how much is the car insurance of 17 years old here in virginia beach?

Car insurance questions?

I was parked in front of my house and a lady came along and hit my car totalling it by the looks. I think I just signed up for basic insurance. Because she hit my parked car, is the towing and cost for keeping my car covered on my insurance or hers? And also don't know if I can get a car rental at all? And I was also wondering if the car is totalled will they pay me to get a new car? Or just pay me some money back for the car? It says under collision actual cash value. Thanks for any answers because I can not figure out what I have on this paper or if it goes on hers!""

Where can i get cheap affordable Health insurance?

I am 20 years old and i will need to see a cardiologist. I have a low paying job right now. Whats the best plans. I cant afford much =/

Good auto insurance deal?

Which insurance company in Toronto offers good deal for one or two company cars?

Are you 17/18 and recently bought a car/insurance?

Im wondering what are the prices like now, and for what cars. Speaking to my mum,she told m vauxhall astra has a fairly cheap insurance for a young driver but anyway share below of around how much it costed you to get insurance and for what car thank you! 10 pts""

Whats cheap car to insure and run?

ive been trying to find cheap cars to insure, and it comes up with 2010 models that the car costs 12,000 i want something old cheap reliable for fuel car cost and insurance, i dont really care what year but im guessing the older cars like 1980s will be cheaper""

How much price of the car drops after a accident occurs?

Rear ended............. car bumper is damaged honda civic ex sedan 2008 ?? The insurance wanted to estimate a diminished value for car and I just want to be prepared to know around how much would be rational. Thank You so much.

Average insurance rates for a retail store?

What would be the average insurance rate for a retail store that sells books? How much more would it be with a children's section? If a child was injured in the play section how much would the rates spike up? I need this for an economics class where we are theoretically building a buisness and running it. Any help is appreciated.

Do I need to be on the insurance to go to and from school in my friends car?

I am 16 years old and I have my drivers permit, is it legal to drive myself and my sister to and from school in my friends car without being on the insurance policy? its my friends dad car and I want to use it for school..""

My insurance is like $300 a month...help?

I just got a free quote from whipers.com but my insurance is still a little high...what can I do to lower it to like $75 a month or is that not realistic?

Car Insurance for any Car in USA?

I am a Senior Indian Citizen of 73 with a US Green Card in Parker, Colorado. I have an international driving permit. Can I get a Car insurance for driving any car hired or private?""

auto insurance quote through state farn

Need a car with VERY cheap insurance. 17 year old male.?

Im just about to pass my driving test and i'm looking to buy a car, something very small like a 1.1L. I've had a few insurance quotes and then results are coming up as 7000?! Even for a ford fiesta or a peugot 306. I put the annual mileage down to 3000 and put my dad as a named driver but it is still very high. What cars could be lower thn this, and any good insurance company that offer low quotes for younger drivers.""

Will this decrease/increase my insurance rate?

#NAME?

Can someone help me with me Car Insurance?

I am a 17 year old that has just passed her driving test, I have my heart set on a Honda civic and was wondering how much insurance group 4 costs roughly??""

High risk insurance companies in Ontario?

Hello all! I have fallen into the high risk category for auto insurance in Ontario and I need help in finding a company or companies that would be willing to sell auto insurance to me. I cannot seem to find any links on Google. Would anyone have the names of any companies that deal in auto insurance for high risk drivers? In terms of quotes, what are some quotes that anyone has personally experienced? As for background information, I have no accidents (knock on wood...) and no DUIs. Just one too many traffic tickets :-(. Any help would be appreciated, thank you!""

I Had A Crash Can Anyone Recommend A Cheap Car Insurer?

Whilst learning to drive I took out learners insurance on my own car which meant I could drive around with someone who was over 21 and had been driving for atleast three years.. During the period of learning I had crash which I was liable for. I am 20 years old and will trun 21 in January. I have now passed my test and am looking to insure my car, can anyone recommend a good cheap insurance company? Thanks""

How much more would insurance be for 16 year old with a V8 mustang as opposed to a 6 cylinder one?

I would be on my parents plan at state farm, I just want to ask before i call. I get to chose my car so i am just researching. They would be about the year 2000 with no problems. Also my parents have perfect driving records.""

""For maternity insurance, is 50% coinsurance with low deductible and $3,000 maximum out of pocket expense good?""

We are looking for maternity coverage on health insurance through BCBS. If we are thinking this through correctly, policies with 80% coinsurance and policies with 50% coinsurance both have maximum out of pocket expenses for $3000. If we do not have to pay any more than $3000 after the deductible, wouldn't either plan work out about the same? Or is there some sort of loop hole that we will be help liable for more than the $3,000 out of pocket expense per year (we are aware of out of network charges).""

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Would a jetta 2.0 Turbo, have a higher insurance rate than a Jetta 2.5?""

What is the Average cost for health insurance for newlyweds?

Me and my GF are going to be getting married soon we are both 18 and have a house we are renting with steady jobs. What would our monthly average be for Health insurance?

New drivers (permit); what can save money on insurance?

Okay, new drivers in the family (got the permit today). Of course, DMV rats you out to Allstate, and Allstate charges a ton for insurance (Arm + Leg). Oh, two new drivers. So I'm looking for ways to show good character to Allstate or find a cheaper insurance. Now, I know some basic things about Auto Insurance: A) Good grades (above 3.0 gpa) can get a discount from some insurers (usually 10%). Have this. B) I drive a moderate car (not SUV or sedan). Good condition. C) The car will be shared between 2-3 young drivers. Since they can't all be in the car at once, I imagine this could reduce costs. D) No criminal record and no disciplinary file at school. E) In the Fall, Drivers Ed is offered. I understand that it also can reduce costs F) Parents are responsible drivers (low insurance) Who tends to be cheapest with Auto Insurance? Am I wrong in any of the above statements, and is there any other factors that can save money? Where is the best place to get a quote? Thank you!""

Car Accident Advice: Someone hit me and doesn't want to go thru insurance?

Someone recently hit my car while it was parked across the street from my house. I almost thought it was a hit and run till I found their business card on my windsheild. I called her and she said she'd rather not go through her insurance but pay me directly for the damage to my car. I have been in accidents where I was hit but usually the other person just gives me their insurance info and I call them and get my car fixed fast, no problems. So I was already a little hesitant about agreeing to this, but I figured as long as it gets fixed it should be alright. So I did like she said and got an estimate from a body shop, then called her with it. Right off she said, Oh thats really high,(almost a 1000) and I reminded her that the damage is pretty severe, she backed into my rear passenger door, now entirely dented and scratched up. I know the estimate is fair compared to other work I 've had in the past. So anyways, I thought she'd decide right there like she had told me before, if it was affordable for her she'd pay me if not she'll go through her insurance. So since she acted like that was so much money I asked well does that mean you want to just use your insurance? She still sounded unsure and said she needs to figure this out. So it's been another day since that, still waiting, she did call again and say she's running it by her insurance agent to see which way would be better for her, insurance or pay me off. So I am still waiting, it's only been a few days since the accident but I am getting anxious because I kind of wish she would just give me her insurance info and go through it, my car would probably be in the shop already and this would be taken care of. But instead I 'm waiting for her. She still has not given me her insurance info, I don't have her license plate # or even what her car looks like, just a business card. And its a big inconvenience because I know I will be without a car for a at least 2-3 days, and even if she pays me she sure didn't mention a rental car. So my question is am I being too nice by waiting for her to decide whats best for her... and even if she wants to pay me should I have gotten her insurance info, like is that my legal right. So how long should I wait for her to decide?? Any advice would be greatly appreciated as obviously I should act fast. Thanks""

How would the insurance companies treat mounting a smaller sized engine inside a sport model car?

If i were to for example, mount a 1.4 vauxhall astra engine inside a GSI model car, would the insurers treat it as a 1.4 vehicles insurance rate?""

Motorcycle insurance question?

How expensive would insurance be for a 20 year old guy for a 2013 Kawasaki Ninja 250R? I live in CT btw. No speeding tickets or any points on my license. What do you think? I know that isn't much to go on, but anything you can tell me would be great. Or if you could tell me some insurance companies that for free quotes, that'd work too. Also, is a motorcycle license course a difficult one? More importantly? Is learning to ride a motorcycle difficult?""

""Need help to find a boy car for around 1000 or below, something cheap on insurance and also a bit sporty?

i know sporty and insurance dont go together well but am sure there are some cars that are fast and boy racer cars that arnt tooo expensive to insure

How much is insurance for one day on a Rental Car?

I will be renting a car in April to pick up my fiance who will be arriving about 5 hours away, So I will be driving the car for 10 hours that day. I do not have insurance of my own so I will have to get some with the car that I rent.. about how much will it cost for the insurance? The car costs about 35$ for the day.. Thanks!""

Whats the cheapest place to get car insurance when you got 2 dui's over three years ago?

Cheapest car insurance for a 21 year old in nj?

what's the cheapest car insurance a 21 year old can have in the state of new jersey?

Do i still have to pay excess on my car insurance?

can someone please tell me if I still have to pay my excess after a claim on my car insurance, it was my fault and alot of damage was done to the 3rd party car, i never got mine fixed...the thing thats confusing me if is my insurance is up for renewal next month but my current insurance is quoted over 1000 I have found it a lot less elsewhere so if course im leaving my insurance, but will I receive a letter stating i owe them the excess, as I paid nothing at the time of the claim?""

""Who will pay for my flooded car, the city or insurance company?""

This past weekend I get a knock at the door from some neighbors during a storm telling me that I should move my truck out of the street. I walk outside and see that my truck is sitting in nearly four feet of water. The water level rose up to cover the seats and nearly reached the dashboard. We put it in neutral and pushed it down the street so most of the water ran out. We used towels to get out what we could that night. I didn't try to crank it, and I unhooked the battery cables. When I tried to crank it about 18 hours later it would not start. My question is, can I sue the city for the flood damage to my truck since their sewer drainage system was responsible for the localized flooding on my street? Can they be held responsible for this? Or will I just have to settle with what the insurance company will give me for the truck since it is undoubtedly totaled? I have already paid about $19500 on the truck, but I still owe about $8600. How much can I actually expect to get?""

I got an unbelievably low quote from Response Wordwide Auto Insurance.Should I switch from StateFarm?

Their quote is about 1/2 that of all others

How do you get car insurance?

I am on my mom's car insurance with Geico but it is no cost because I had my permit. I just got my license like 2 days ago. Will I have to notify them? I'm going to get a car next week probably, so you have to have car insurance to actually buy a car don't you? Could someone explain the process to me? Thx =]""

New teen driver insurance?

I just got my license about 2 hours ago. something just came up and I really need to drive somewhere. My parents have Statefarm insurance, but obviously haven't added me yet. Does statefarm have any type of temporary coverage? Can I leave now or do I have to wait until my parents can add me?""

2004 Mitsubishi Lancer ES Insurance?

Is a 2004 Mitsubishi Lancer ES (automatic, 4 door sedan) significantly more expensive to insure than a 1993 Honda Accord LX (also automatic, 4 door sedan)? I am 18 and have had my drivers license for 2 months.""

How would I buy a sportbike with no credit? How much would the payments/insurance be?

I want to get an 08 or newer yamaha r6. I am going to strip a few nights a month and that will cover the payments possibly. I am almost 19 and would like my parents not to know about the job, but if they find out, whatever. So pretty much I am trying to figure out how I can manage this on my own. I have no credit, but I am responsible. Also I have a clean driving record and am on good student discount for insurance on my car. Am I dreaming or could I maybe actually get the bike of my dreams?!!""

How much is car insurance for a 17 year old female?

how much is car insurance per month or year? i have a 1995 model volvo. how much would it be when im 18? i had my license since i was 16 1/2.

auto insurance quote through state farn

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7 day car insurance flint mi

"7 day car insurance flint mi

7 day car insurance flint mi

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Where is there a cheap car insurance place here in Dallas 75248.?

I moved back to Dallas near addison, and I am looking for a place to get cheap libitily insurance under 100. 60 would be ok. Any suggestions?""

I have have 14 points on my license i need a cheap insurance?

some companys have a limit on points

Car Insurance for any Car in USA?

I am a Senior Indian Citizen of 73 with a US Green Card in Parker, Colorado. I have an international driving permit. Can I get a Car insurance for driving any car hired or private?""

My auto insurance cancelling my auto insurance...Help?

My husband caused a hit and run accident last year. After a half year later, my insurance send me a letter that they will cancel my auto insurance. I don't know what to do... Please help.""

Where would i get cheap car insurance male age 19?

getting funny quotes

How much does the car insurance cost every month for a 17 y/o teenager here in US in texas?

with a 2005 neon dodge car? help coz my cousin is goin to get a car this summer. thankx guys

Car insurance for teen drivers?

Hey everyone! First off, if you're wondering why I'm not using online quotes to see how much car insurance would cost, its because it requires personal information of both my parents that I can't ask for without sounding suspicious (my dad told me not to search since I asked before). Also, in order to get the auto insurance quote, you have to leave contact information so an agent can contact you and initiate your quote , which is something I don't want. I'm a newly licensed teen, got it around the middle of December 2013. I've had my permit for about 8 months before that. My dad told me to wait a bit before I can start driving since car insurance rates is higher for teen drivers, and I agreed. I was wondering how long I had to wait? My dad told me over 1 year to a few years, but sometimes 6 months works. I was baffled, if that was true, there was no point of getting my license since I would most likely be in college by the time I was allowed to be insured. Does car insurance rates really lower down with waiting time? And if so, approximately how long would it take? My auto insurance company is State Farm, and my family has 3 registered vehicles and 2 registered drivers of over 15 years (my parents). I'm 16 years old, and I qualify for the good student discount and steer clear safe driver discount, and my parents qualify for the multiple line discount car insurance and have never had any driving violation in the past three years. If you could estimate the range of how much more my parents have to pay for car insurance if I become insured on my car (which is older than me lol) without waiting, and how long I would have to wait for rates to go down, that would be great.""

Can I pay a AAA Auto Insurance bill online?

I'm in California but I don't know if that makes any diffrence.

Insurance costs for a 17 year old for a car/quad/bike?

what would be the (rough) cost to insure; say a small engined car (1.2l ish), a mid sized quad (400cc ish) or a bike (between 125 and 600cc)? what would be the cheapest for a 17 year old? (geussing the bike then the quad then the car?) any help would be appreciated :) cheers dougie""

How do I calculate my monthly house insurance for my math project?

You will also have to purchase house insurance, which costs a yearly average of 0.3% of the purchase price of your home. Calculate your monthly house insurance. What should I add, divide, and/or mulitply? Thank you for your help!""

Cancelling car insurance?

I currently have car insurance through State Farm and I pay $318 a month. I looked into 21 Century insurance and the quote says I will be paying about $180 a month. My current insurance expires June 11th but my next bill is due May 25th. How do I go about buying/cancelling insurance? I would like to cancel State Farm by May 20th and begin my new insurance that day so I won't have to pay those crazy premiums anymore.

Car insurance companies accept no claims bonus from Lebanon?

Does anyone know an car insurance company that accepts no claims from international countries? My mother wants to use hers from Lebanon (Asia) to help reduce her quote.

Will my parents insurance go up?

My parents have state farm. I'm 17 and I just got my license. I would want my name under my moms car. will my parents insurance go up? and if so about how much?

""How much would my car insurance be, under 25?""

Im looking to get a car soon and im curious on how much car insurance would be. 2012 toyota corolla s im 18, female, Live in Florida Not married or anything, no kids Iv been driving for 2 yrs No accidents or tickets Also i have no credit (Ps whats a safe way to gain credit?) and i work at dunkin donuts. Thats all the details i believe i would need to know the answer.""

7 day car insurance flint mi

Why isnt health insurance free.. (taken out of taxes)? like other countries?

with all the taxes taken out ud think that would be the most important thing... i presume its because it would hurt companies that sell insurance in some kind of way... but im not sure... can any explain to me why? will it ever change? i think of all the things our taxes pay for ... it should at least pay for health insurance ...

Does having a motorcycle license effect your car insurance rates?

I've been looking at taking the course, wondering if theres any other implications I havent considered. Anyone have some experience with this? Assume I'll have my motorcycle endorsement on my license, but not own a motorcycle. I live in RI, by the way.""

Why would auto insurance go up just because of a divorce?

Years ago, when I was married, I had a brand new truck with a full-coverage policy costing $114 per month. I had a spectacular driving record, I was a 31 yr old female with a family, not a 19 yr old ripping up the streets. When we divorced, my auto insurance instantly doubled! It didn't just go up $50, it DOUBLED. Does anyone know why??""

Blue badge if you get one how much does your car insurance go up ?

What should an out of state student do for insurance?

I've recently moved out of state from CA to UT to attend school. My mom just informed me that because I'm out of state I don't get my Medi-cal benefits and I can't apply for benefints here because I'm not a citizen of Utah. I tried to sign up for independent insurance through the CA affordable care act but because I'm 18 I can't. I have no idea where to go and my medical problems are worsening. Any advice would really help, thanks.""

Any Car insurance in boston open past 5pm?

any Car insurance in boston open past 5pm

What is a 2 year contestibility period in life insurance?

Where do I find health insurance for low income families?

My children are on state funded health insurance, but my husband and I are uninsured. He is a full-time student and I work 2 part-time jobs. Neither of my jobs offer me health insurance because the companies are small. I've looked into student health insurance, but it's REALLY expensive. Doesn't Obamacare allow for insurance options for low-income families? Or do we have to wait until he graduates and gets a job to be able to get health insurance???""

Can a ticket affect my parent's insurance rates?

I recently got my first moving violation and I do intend to pay it and go to traffic school soon. The policy expires this May and the insurance is not under my name. Will this affect my parent's rates? Company is state farm.

Why do I have to get car insurance?

Insurance guy lied, my fun sporty little 04 Mitsubishi eclipse gt (5 speed manual v6) was actually going to be $200 more monthly than he said it would be. It was fun to learn how to drive it. But now it's as good as gone (parents were helping with the insurance). Who's to blame? Why do I have to deal with insurance goons to start with? Couldn't there be a better way? In a slightly more perfect world what theoretical system would cut out the goons?""

Looking for a very rough estimate on insurance costs for an 08' Lambo?

I'm a 21 year old woman. The car has just over 10k miles on it It's an 2008 Lamborghini Gallardo Spyder It's listed for $150,000 I'm in school with no income I have money (idk if this is required for an estimate, but w/o getting specific, i have money) The car would be a rental (yes strange i know, but bear w/ me here) I live in a metropolitan area. Never been in an accident (but again idk if this matters since it's going to be a rental) Umm... that's all i can think of that would be required. If i'm missing anything let me know. And again i know you can't get very specific, but if you could give me a general range that insurance would be per year that would be wonderful. Thanks!""

Affordable Dental Insurance? Can it be true?

I recently lost my job. I would like a separate dental insurance plan besides my basic health insurance. I wonder if anyone else is feeling the pain like me. Any suggestions?

I am looking for the home page of atlantic highlands insurance?

CAR INSURANCE FOR A 16 YEAR OLD?

would it be more expensive for car insurance for a brand new car or a used car.

Car insurance so high?!?

I'm 17 and I've been looking at quotes for when I pass my driving test. I'm currently paying 1000.00 on provisional for a 1.3 Fiesta worth half that value.....The cheapest car insurance quote WITH pass plus too (which I plan to do) is 6,181.28. My car is worth 590 quid, I'm not a boy racer, and I don't stick pointless spoilers and all that shite on my car either. I used Compare the market for these quotes, is there anywhere else I can go to find quotes? also, is it illegal that I'm supplying false information, like saying I've passed my test etc. I'm only doing it to get a vague idea of how much lottery winnings I need to afford it....I mean who's stupid enough to pay 6 grand for a car worth a 10th of that.....""

21st Auto Insurance Company?

Any complaints regarding the 21st Auto Insurance Company? I am thinking about switching to them.

Which family car has the lowest insurance rates in Toronto and why?

How does health insurance work - when insurance premium can generally increase?

If family of two have health insurance, and one of them decide to use it for couple medical procedures will insurance policy premium go up? Please advice. Thanks.""

Will my insurance go up?

Hi, yesterday i got into my first 'accident' driving. I was changing lanes and ended up hitting the person infront of me. The cop issued me a ticket for 'change lane - not in safety' its 115 dollar ticket and 2 points. Having only my g2 license i was wondering whats going to happen with my insurance? is my rate going to go up? please help. also i am a male and 17 so it doesnt help me either. p.s do you think i should take this to court and try to lower fine or get rid of the points?""

Me and my dad are arguing about the cost of car insurance? Please have look?

On the final quote page it said that my full annual quote would be 611.49. I just paid a 101.49 deposit via my debit card. It says that my direct debits will be taken each month, next month 54 and then 8 months of 57. My deposit and the direct debits add up to 611.49, exactly as the quote stated. So what is that box (with the red arrow pointing to it); http://img829.imageshack.us/f/screenshotdi.png/ Can they take more money without saying? Can someone please explain what that means?""

Accept $140K insurance buyout from Ford or keep insurance policy?

Hi, I'm wondering whether anyone can help me decide whether it is a better idea to accept a $140K insurance buyout from Ford or keep health insurance. Assume the person in question is 50 years old and in good health. This is a timely question for many auto workers. Any links to more in-depth analysis would be great.""

""I need car insurance, but have a terrible driving record right now. Any suggestions?""

How can I get coverage at a decent rate when I have a crappy driving record?? Ive called about 4 different companies, the lowest rate i found was $209 a month for 6 months. I have 7 points on my record currently!! I cannot get insurance through my parents and i am not married so basically I'm screwed...or I should look into paying a driver to cart my butt around.""

Cheapest motorcycle insurance?

Im 16 and Im thinking about buying a small sports bike. like a Kawasaki Ninja 250 or Honda CBR250R. I have a my license and a clean driving record. If i just wanted to be covered for Bodily Liability and Property Liability, what company do you think would offer the cheapest insurance? I know that under my circumstances insurance will be disgustingly high, but i want a bike that bad.""

Will my insurance rates go up for a traffic ticket?

I have a restricted license and i got a ticket going 38 in a 25mph school zone. The cop reduced it to 34 and it is $80.00. Im almost 16 and i have state farm. Will my rates go up. Should i just go to the office and pay it. I have no defense i know i was speeding. WIll my parents find out?

Car insurance for a G37?

I am under my parents car insurance, i havent been in an accident and have no point on my record. I also have all a's and b's. I currently have AAA and have been driving for 2.5 years.""

7 day car insurance flint mi

18 year old car insurance rate?

Can you give me an educated guess on how much it would be per month or 6/mo to insure an 18 year old boy on a 2005-2009 Mustang GT? Can Military service lower/raise the rates?

A question about compulsory auto insurance?

When I insured my car last month, I told the agent that I want basic insurance, and I thought that was what I purchased. I never any information about my policy, all they sent me was the monthly bill. So today I went to the agent and notified them of this, and they gave me a Coverage Selections Page paper, and I noticed that on part 4 of the compulsory insurance they set my limit to $50,000 while the minimum is only $5000 here in Massachusetts. Apparently the premium for having the $50,000 limit is $503. Since the car is no longer operational due to an accident last Sunday and I want to keep my insurance for four months until I can replace the car, I was wondering how much I would save if I lowered the limit to the state minimum of $5,000?""

What would happen to health insurance companies if government take over the health insurance system?

Correct me if I'm wrong, but I heard that Obama is trying to push a public health system that will allow everybody to have health insurance no matter what pre existing conditions he or she may have. If this is reached, what would happen to insurance carriers like Blue Cross, Blue Shield? Will we need these companies and health insurance agents?""

Cheap Life insurance?

Whats a good life insurance company

""Im pregnant , no insurance, what doctors will see me?

i know i can apply for wic and etc however i still need to go to the doc asap and was wondering if there are any that will see me without having insurance that are affordable in the knoxville tn area

Should I get AAA Roadside assistance or Insurance Roadside Assistance?

I drive an 07 Scion and was wondering if I should get AAA Plus or Insurance Roadside assistance. I currently pay $6 a year for Roadside assistance but I have to pay first and then get reimbursed and it only covers $50 each disablement. I was thinking if I should get AAA Plus which covers up to 100 miles for $76 because I know it costs quite a bit just for a hook up fee.

Can I switch Car Insurance 2 weeks later if I am financing a car?

I bought a car and I am financing it through the dealership. I got it insured but now I found a cheaper premium through a different Insurance Company, so I would like to switch. This is about 2 weeks after I put it on the original Insurance Company. And is there a fee for canceling the Insurance so I could switch to the other company?""

Will doctors be required to accept health insurance?

Under the new health care law, everyone will be required to get health insurance, will doctors also be required to accept health insurance?""

Is a '94 Integra considered a sports car ...?

Trying to figure out why my insurance is so damn high... Anyone else own early-mid 90's integra? Just curious, how's your gas mileage? How do you like these cars overall? This is my second car & still fairly new ... I totaled my first car in a bad accident within like 2-3 months. Thanks =)""

Where can i get cheap affordable Health insurance?

I am 20 years old and i will need to see a cardiologist. I have a low paying job right now. Whats the best plans. I cant afford much =/

Does car insurance pay sales taxes and destination charge if your brand new car gets damaged?

Does car insurance pay sales taxes and destination charge if your brand new car gets damaged? If your brand new car gets damage totally. what does the insurance company pay for? How long after buying brand new car does the insurance consider it not new any more?

Which would have higher insurance?

I don't have my license yet so my parents can't call their insurance company and ask for a quote but I'm just curious about insurance. Out of these 3 cars, which would have the highest insurance, which would have the lowest, and what do you estimate. I will be getting my license soon so I'm looking for cars. My parents want me to get a car that they can afford but i would be proud of driving, that's why im looking at these nice cars. Heres the list of cars that i need insurance estimates for 1. 2007 Honda Civic Si -Manual Transmission -106,000 -$12000 -All tinted windows -Will be kept in a garage http://www.autotrader.com/fyc/vdp.jsp?ct=u&car_id=296160990&dealer_id=65234215&car_year=2007&systime=&doors=&model=CIVIC&search_lang=en&start_year=1981&body_style=SEDAN&keywordsfyc=__c2k%2C__&keywordsrep=115105&highlightFirstMakeModel=&search_type=both&distance=25&min_price=&rdm=1302370333852&drive=&marketZipError=false&advanced=y&fuel=&keywords_display=si&sownerid=565766&lastBeginningStartYear=1981&end_year=2012&showZipError=y&make2=&certified=&engine=&page_location=findacar%3A%3Aispsearchform&body_code=8&transmission=&default_sort=newsortbyprice_DESC&max_mileage=&color=&address=28277&sort_type=priceDESC&max_price=14000&awsp=false&make=HONDA&seller_type=d&num_records=25&cardist=14&standard=false 2. 2006 Acura TL -Automatic Transmission -59,000 Miles -$15000 -http://www.autotrader.com/fyc/vdp.jsp?ct=u&car_id=296199939&dealer_id=66118955&start_year=2006&advanced=y&make2=ACURA&transmission=Automatic&max_price=15000&make=ACURA&model=TSX&body_style=SEDAN&search_type=both&distance=25&end_year=2012&default_sort=newsortbyprice_DESC&max_mileage=60000&address=28277&model2=TL_MODELSCLASS_SERIES&seller_type=d 3. Any car of your choice. Give me any suggestions. I want it to be sporty but 4dr""

Start up restaurant in chicago need insurance.?

I'm looking for affordable insurance that want break the bank.

What is Excesses and cover level in Car Insurance?

Hiya, I am just trying to get Car Insurance quote, in some of the web sites I am being asked to enter the amount for Excesses and cover level , the more amount I am selecting for Excesses and cover level the less insurance premium it comes up with. Can any one tell me how does it work? What is the benifit of paying Excesses and cover level, should I go for less or large amount for Excesses and cover level? FYI.. I just got my Car Driving license so I don't have Driving experience in UK.""

About how much will ensureance cost me?

Heyy ya'll, I'm 15 (ill be 16 next month) and I'm saving to buy a car next year! My mom says since I'm young they're going to charge me more for insurance, so what I want to know is about how much will they charge me a month since ill be 17 when I buy the the car?""

How much does a psychiatrist cost without insurance?

I will not have insurance to give for going to a psychiatrist. How much would you think something like this would roughly cost?

How much will my auto insurance go up(rough idea) if I get a job where I would use my car?

Just curious what range it might fall in. My premium with state farm is very low, about $70 a month with full coverage on a 1994 3000GT. Milage would be like 125 a day.""

Will my dad's car insurance go up if I get my license?

I'm 19 and want to get my license without getting my dad's car insurance going up.

Insurance - Ticket on someone else's car?

I recently got a speeding ticket on my aunt's car, which I am always allowed to use since I live with her. I know her insurance covers anyone who drives any of her cars, it is not connected to my driver's license at all. Are her rates going to go up? Or does it only affect me and my future insurance rates for when I get my own car?""

Would I be able to afford this car and car insurance?

I make $1200 a month. I currently pay $400.00 rent and $70.00 for my phone. I'm looking at a car that would cost me 180.00 a month plus 100-120 in car insurance. Plus groceries. 130 a month. I'm just worried I wouldn't be able to afford this but I really need a car. What if I move out and rent goes up? I'm a stressful person and stress about everything before I commit.I also have a dog to take care of. What do you guys think? Would I be able to afford It or would I be way to close to barely living?

'occasional driver' Car insurance?

Hi, I'm 18 and I'll be heading off to college in the fall and so won't be home very often. However when I am home I'd like to be insured on my dads car. I don't see the point in having to pay the same price for car insurance as someone who drives almost daily, so I wanted to know if there was a type of car insurance for the 'occasional' driver. I'll only be home on vacations, and even then I won't be driving all the time, but I really need a car insurance for when I do drive, mostly summers.""

17 year old getting insurance in NY?

I am planning to buy a car in a couple of months. Probably a Honda Civic/Accord from 1994 and up. I dont have more than 3500. How much will insurance cost to pay by myself? Added on my parents?They currently pay 130 a month. I have 90 average in school and a 10% discount fot compleating a drivers ed program.

Unemployment insurance in california?

Last year I was unemployed. To make a long story short, i took a job and was there for less than 2 weeks. I was forced to pray, and listen to scripture that was muslim. I am very understanding in all religions, but do not practice myself. I was very uncomfortable and left. EDD decided that i left without cause and that i did not deserve insurance. they made me pay back what they paid me and 30% more. I did so even though I didn't agree. Now that I am laid off again, I filled out a claim and got a response saying that I was eligible, and they gave me the forms to fill out for the first two weeks, the standard claim forn. I filled it out, and now got back letters saying that i am not eligible for benefits until i have filed a claim for each of the 5 weeks in which i am otherwise eligible for benefits. I haven't received new claim forms. I am assuming that I will get these, and I will fill them out for 5 weeks, and then they will pay me? So I am looking for clarification, after claiming 5 weeks they will give me my benefits? Thanks for your help, to anyone that has gone through this. It is so unfair! I paid them so much, for something I felt I was justified doing, and now I am still being punished! I would rather be working and not have to worry about this, but it is so hard to find a job :( not a great holiday.""

Does school require health insurance?

I live in California, USA and my brother and I don't have health insurance. We are in middle and high school(public school). What are the disadvantages of not having health insurance?""

Cost of insurance for minor with acura rsx-s?

oh fyi I am not trying to get my own insurance plan I am adding on to my family's

7 day car insurance flint mi

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

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I purchased a townhome in March of 2013 for $183k in Florida. It is in a 200-unit subdivision that just completed all construction and sold out all last remaining units a few months ago. When I signed up for home insurance, the insurance company set my dwelling coverage to $183k. I told them that it isn't accurate for them to base dwelling coverage on market price because the replacement cost must be lower since market price includes land and profits the builder makes. Long story short, they convinced me to stay at $183 because they said costs were rising and so forth. I decided not to fight it. Fast forward to this year, and now they are proposing to increase the dwelling coverage to $203k (11% increase). Funny thing is that for my exact townhome model, about 20 units were sold in the last year with prices averaging in the upper $180s (slightly above what I paid). I called the insurance company to let them have a piece of my mind, and they told me they use an independent 3rd party company to price the replacement costs. I told them it's BS because it's way above average market price and replacement costs is always below market price. They asked me to send them documents from when I purchased the home that details the construction materials used and upgrades so that they can reevaluate the dwelling coverage. My question is, why is the burden of proof on me to prove to the insurance company that dwelling coverage should be lowered? Why can't they just reduce it to what I tell them to reduce it to? After all, I am the customer who pays for the insurance. If my house is ever destroyed and I underinsured, that's my problem not theirs. I just find it strange that I'm paying for an insurance service and the insurance company decides what the replacement cost is, not me. Even though it doesn't affect them.""

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I'm a new teen driver and as you may all know insurance rates are sky high. I was wondering if a family member, who doesn't live with me, can add me to their insurance policy? If yes, does the car have to be in their name? Or do I have to have the same address in order for them to add me?""

Health Insurance for Children?

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I live in Sacramento, California. The reason i'm asking if i can get my own car insurance is because my mom is afraid if she puts me on her insurance & I get into an accident, she can lose her house. So her putting me on her insurance is out of the question.. Someone please help me find a car insurance company that will cover me?? Thank you""

Is there a significant difference in auto insurance rates when males turn 25 years old?

I had a friend who worked in auto insurance for a few months, he said that it is all a myth, which is hard to believe. I live in California, and I wanted to get a nicer car when I'm older but insuance is going to be a killer.""

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My mom drives a Mercedes B 150 (about 5 year old car), she's Middle Aged and had a good driving record so her insurance is around 200-300pa. I'm nearly 18, and a new driver (passed yesterday), was wondering how much insurance would be for me if I was added onto her insurance. (just an estimation would be great!) Thanks in advance!""

Is insurance cheaper when you live in a built up area or in the countryside?

Why did my mothers health insurance affect MY credit?

So I was extremely sick back in June of this year. The medical bills were added up to be over 500$. I am 20 years old, in college, and I do NOT have my own health insurance. I have always been on my mothers. This debt went unpaid and as I checked my credit score today, in showed that I owed the hospital and it went into collections. I have spent the past year building my score. my credit score went down 142 points because of this!!!! How does this affect my credit???? I just dont understand. I neverr signed any papers saying that i was responsible for payments. EVER.""

Insurance with 6 points?

Hi, I would like to get a car because I'm nearly 17 and I have 6 points on my license for letting someone ride my moped in an empty car park. Does anyone know where I could get insurance, so far I have been quoted 6500""

Car insurance question?

My mom finaced a car for me in Montana its in her name but i pay the car payment. I live in Colorado. even though she has car insurance already on the car in her name... can i get full coverage in Colorado in my name? so say fro example if i crash it The car will still be covered. is that against the law? please help. thanks

What company has the lowest auto insurance rates?

My insurance rates just went up $100 a month because of speeding tickets I got last year. I took an improvement class right after I got the ticket and am also getting ready to turn 25. I was hoping my rates would go down and nit up to $250 a month. Anyone know any companies?

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Im 16. Ive done a bit of research and it looks expensive, so im going to try to be put on my parents plan. I know it depends on their plan and everything, but im just looking for an approximation per month or per 6 months or per year. They have pretty good coverage if that helps, and my dads on geico and my moms on progressive i beleive. i live in miami if thats useful, and i will only use one car if that would make the insurance cheaper (its in their name). Any bit of advice to make it cheaper or any tips would be extremely appreciated. If i could get somewhere around 500 per 6 months that would be ideal. Thanks u guys""

Pulled over with no insurance in my friends car?

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My friend has full coverage insurance. Someone vandalized his car destroying the hood and busted the front window out. Will the insurance company cover this? Someone also advised us that it would be better to report the car stolen and they would cover it once it's found with the damage. Is this true? we really need some advice on this one. Don't want to be stuck having to pay the costs for all this damage. Also, what steps he should take first, i.e - informing the police, ect?""

HELP! Car & Insurance for 17 year old.?

Hi, I'm 17 in a week & will be starting my driving lessons. I have my theory booked for a few days after & aim to pass in around 6 weeks, depending on the waiting list for the test, having 3-4 lessons a week. Driving a car isn't a problem for me, have had plenty of practise on tracks in my dads weapon ;) & have for the last 8 weeks or so been going to an empty industrial estate one or twice a week, driving my mums cooper S or occasionally my uncles M3. Just need practice with the ways of public roads from my instructor. Anyway, as you can probably tell I've had a fair bit of experience driving fairly fast cars, so thats where i need advice - can anybody suggest any fairly fast cars that are reasonable to insure? or any cheap insurance company's, or any ways to get insurance down, as long as they aren't completely ridiculous lies, I want to keep it as legit as possibly ideally. So far I've been quoted 1600-ish on a standard golf on my mums insurance, but ideally want something a bit quicker then that. My budget for a car + insurance overall is 4-5k. My ideal car would be a GTI, anybody know where i can insure one cheap-ish? ALSO, *PLEEEEASE* no do-gooder's telling me it is 'fronting' to go on my mums insurance, I am well aware of this, however I am also aware that if the car is registered in my mums name with the DVLA, then they don't have a leg to stand on. I have checked this with one of my mums friends, a solicitor. Also, nobody telling me that I 'wouldn't be able to handle the power' or that I'd 'kill myself', believe me, I'd smoke you ;). Sorry its a bit long, please help! :-)""

Average motorcycle insurance?

how much is average motorcycle insurance in Louisiana, if 23 years old bike with 500cc have never crash or get ticket pretty good credit bike use only for leisure and to college help me y'all""

""Im 17 i hve a 1.4 citroen saxo west coast, nd te lowst insurance ive found is 2300! cn an1 suggest a company?""

ive tried all the compairson sites and they are really expensive, can anyone suggest a cheaper insurance company? i love my car and dont want to sell it!""

Can insurance brokers be trusted?

I am getting my first car insured and am thinking about going through an insurance broker because of the cheap price....

geico insurance quote by license

Im 17 and getting my liscense soon how much will car insurance be 4 me with a used car that will b in my name?

I will be getting my drives liscense soon and my parents are putting limits to where i can drive and when and i wont be able to drive it when ever i would like, how much is car insurence gonna be with me for a used car that will be in my name ?""

About how much is insurance gonna cost for a 15 year old who just got his license?

how much will insurance be if im a 15 yeaar old guy who just got his license and im driving a 1995 acura integra, can anyone give me an estimate on how much it will be a month""

At what point should I call up my insurance company & insure the car I plan on purchasing?

New to purchasing a used car, but I notice that DMV will require proof of insurance when registering the car, and even my bank will need proof of insurance to complete the transaction. Do I call my insurance company to setup insurance on the car before even paying for it!? I don't really understand the process.""

Could anyone tell me a cheap reliable 125cc motobike with cheap insurance ?

Can my term life insurance rates go up?

If I have already bought a term life insurance plan for 20 years a year ago, and I get a new job which is a higher risk job, will my insurance rate go up? If so how much could it go up by?""

If you rent a budget truck will my insurance company insure it while im driving it?

How much do Hyundai Coupe S's cost to insure?

Annual Insurance 2002 worth 600 17 year old male driver

How can i get insurance?

I cant find any decent prices. The cheapest i found was 255 pounds every month for a 0.9 Litre Fiat seicento, its a horrible litlle car and it cost too much to insure anyway, and the mpg its pretty bad for 0.9L petrol, 35.8mpg Anyway where can i find a decent price for a 18yr old that lives in lonon, 0 NCB, hold a clean licence for 2months""

Best life insurance company?

What's the cheapest insurance for an 18 year old?

Where can I get insurance coverage for a very low monthly price?...for an 18 year old

Would a 2-door car be more expensive to insure than a 4-door?

I believe 2-door cars are usually considered sports cars, in turn, making them riskier to drive and costing more to insure them. But what if it was a 4-door car that was a sports car? Specifically the Dodge SRT-4. It's a 4-door car, but it's made to be fast. Would this cost the same, or less than the 2-door? This is all assuming the cars are of the same year and everything. 2-door = Dodge Neon coupe 4-door = Dodge SRT-4""

My daughters car insurance has more than doubled because she got 9 penalty points in the last year. she wants ?

me to get insurance on her car and then get her put on that insurance. if she gets more points while she is under my insurance would that affect the price of the insurance on my own cars or would only if she caused an accident make my insurance go up. i could get a years insurance on her car for less than the price of 1 monthly installment she would have to pay for her own insurance. what do you think. if she gets 3 more points she will be disqualified from driving . if that happened while she was on my insurance would that put my insurance prices up even though she would be off my insurance if she did get disqualified. what i have wrote might not make sense. i want to know if i do this for her and she gets disqualified while being on my insurance would that put my insurance prices up for all my cars or what or would it only effect my insurance if she causes an accident. while shes on my insurance. * 41 minutes ago * - 3 days left to answer. Additional Details 40 minutes ago we live in the UK. sorry this is very long i found it hard to write what i was really trying to ask. 33 minutes ago i know if she causes an accident while she is on my insurance ot would effect how much my insurance costs but if she was to get disqualified while she is on my insurance would that effect me inurances oin anyway. if she gets disqualified then she wont be on my insurance anymore. 14 minutes ago only 3 of her penalty points are for speeding. she told me the other 6 points are because there was a mix up with her insurance last time and she was uninured for 4 days and was caught by the police. she got 6 points for that in court a few months ago. she said she that she had phoned them and accepted the policy they sent her to renew it and thought it would continue automatically but she hadnt been to the office to sign for it so she got caught for that. she was only uninsured for 4 days because of her mistake that time. sorry if you already answerd this but i put it on US yahoo answers by a mistake and it didnt show up in UK yahoo answers so i needed answers from people who knows about car insurance in the UK

I just totalled my car. How much money can I expect from the Insurance company?

Car is a 2001 Chevy Malibu. Was in great shape. If you know a thing or two about cars please help me out. Thanks.

I hit my son's car! (Insurance question)?

I accidently hit my son's car in the driveway. We have seperate insurance policies, but use the same agent. At first the agent told me my son's policy would cover the accident and pay for my son's car but I would have to pay for my deductible. Fine, sounded fair...and I was told don't file a police report. Now I have been given several different excuses as to why my son's car cannot be fixed. First I was told I own his car. Not true!! and we have different insrurance policies, then I was told we have the same policy..WE DO NOT! Then I was told you can't collect if the person is a relative at your residence. What is going on! This is a WELL KNOWN insurance company and we are shelling out big bucks for these policies. Any insight or advice.""

What is the best auto insurance?

What would be the cheapest auto insurance for someone who is an eighteen year old female with a clean record looking to get insurance for the first time?

California state medical insurance?

I have to have my gallbladder removed and i want to know how long did you have to wait to have the surgery done? I am in Merced, County if that helps.""

Will my car insurance go up?

Recently I was parked outside of my boyfriend's house and somebody had pulled out of a driveway and hit my car, leaving a big hole in my fender and a bit of a bend in the bumper. I had done absolutely nothing wrong, I wasn't even aware it had happened until somebody said they saw it. Nothing illegal was done on my behalf. They have been nothing but rude to me so I want to put it through my insurance, and I was wondering if MY insurance will go up because of this?""

What are the best car insurance sites for a 17 year old male?

Im just looking what sort of prices id be looking at for insurance for small cars (1.0/1.1 engines) and cant get a quote under 3000. Who are the best insurance providers for recently passed 17 year olds?

Can I drive my sisters car without being on insurance?

My sister lives at home with me and my parents and I just got my license back. I'm not on the insurance, but am I able to drive my sister's car even though she still lives home? My mom said I can't legally.""

Looking for insurance on older apts in Mewrced Ca?

QWe are looking for affordable property insurance for our older apts. We keep them up.

Buying a new car but confused on car insurance...what should I do?

I am going to be part exchanging my old car for a new one. In terms of car insurance I still have 2 months left so I believe its cheaper if I just go with another insurance company as my current insurance might charge a lot for just 2 months. I am thinking of using my previous insurance NCB( elephant 1 year ) for the new insurance as proof of my NCB but the problem is I sent my NCB 1(year) (elephant) to my current insurance(Directline). Basically I would like to know if its possible to use my previous NCB (Elephant) which I it proves I have 1 year no claims for the new car insurance. I done some research and found it that having 2 years NCB makes 20 compared to 1 year NCB. What should I do?

Why is my car insurance so much cheaper than other companies?

i was looking around for auto insurance to see if there was anything cheaper than what im paying now. im a 20 year old male with a 2005 scion tc. i have been driving for about 2 years and currently use state farm. when i first insured my car 2 years ago, i was paying $148/mo. due to a speeding ticket, it has risen to $194/mo. i also have comprehensive and collision with a $500 deductible. $100,000/$300,000 coverage with full glass also. not complaining, i think this is great i looked at nationwide, allstate, geico, and progressive. these companies are supposed to be so great, but progressive quoted me at $485/mo for the same coverage! the other companies where all in that general area. progressives state minimum coverage plan for me was almost $300/mo. why do these other companies cost so much more? im not complaining about mine, obviously im not gonna switch, but i am curious as to the difference in price.""

What is the best Dental Insurance for North Carolina??

I need to purchase dental insurance for myself because I know I need to go get a cleaning etc. What is the most affordable insurance to purchase that covers the most & gives me options on which dentist I would like to go to? I know I have atleast one cavity so I need insurance that won't break the bank but will keep my teeth looking good. Thank you in advance!! Easy 10 points for best answer!!

Please help with this health insurance problem...?

As an immigrant to the US with no job or citizenship, only holding an American Visa, and in a month to have a Green Card, what can you tell me about getting a health insurance? any information available and any websites please.""

Which Car Insurance is better for a teenager in Texas?

I'm 18 years old and trying to look for a cheap car insurance. I am at College seeking a job and the cheapest is Acceptable Insurance,110/month.""

geico insurance quote by license

Price increase for new driver on insurance?

I am a 17 year old male. I have had full driver's training and taken an eight hour driving class. I am also an A-B student. My parent's have Geico and we live in Charleston, SC. No one seems to know how much our insurance rate will increase if I am added as a driver (without a car). Basically, I can not get my license because, supposedly, simply getting the driver's license (not permit, full license) will make our rates go up. If this is true, how much will our rates increase?""

Which is the best Home Loan insurance?

Hi, i have taken Home loan of Rs. 10 Lac from HDFC. and want to protect my loan through insurance. can any body tell me that , which is the best home loan insurance plan or policy. HDFC recommend to me its own HDFC ERGO for home loan. is it best for me or any ohter option to chosse me. Please advice. LK Sharma""

Health Insurance?

Can someone reccomend some good affordable health insurance policies for people who's work place does not have health insurance yet. I'm looking for something with good coverage that wont cost me an arm and a leg. Here is a list of things i want on this coverage in order of priority: 1.Mental Health Coverage (dont refer state and government run things because i fall through the cracks on their rules) 2.Dental (i love and want to keep me teeth) 3.Doctor visits (i dont go to the doc much even when i am sick)

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

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

Asking all under 25 female drivers in uk- whats a cheap car insurer?

Asking all female drivers under 25!! Does anyone know of or have been with any cheap car insurance companies? Ive already checked quite a few but they seem really expensive...Please help!

Auto Body Shop gives me an estimate higher than insurance settlement bus says they'll work it out?

Before I got word back from my insurance company on a settlement for a cehicle accident, I already got two estimates from two body shops. The estimates were at $5,000 .... but now ...show more""

How much was insurance when you got your first car (UK)?

I know that it is extremely high just after you pass and insurance depends on other things like job and where you live, cos I want to get a car but I have been quoted over 1000 and that's with my parents added as well.""

Parents Insurance?

If I'm on my parents Insurance and I go to a doctors appt without them knowing will it show up on there insurence statement?

""Can I fight an auto insurance company, to prevent my car from being declared a total loss, in California?""

Its an older car but only has a small dent. I understand that its the value of the car vs their estimate of repairs that they are basing this on, but they didn't include options like A/C, cruise control, power door locks and power mirrors and others when figuring its worth. They instead based it on an average car in my area. When doing the math the difference between fixing the dent and totaling the car came out to $18.00. Clearly the addition of the options would have covered that spread in my favor. I want to fight this because I don't want to have a salvage title. I was not at fault and the other parties insurance has already sent me a check I have not cashed nor have I signed anything. I want to know what I can do. And if I am stuck with the total loss, do I have the right to recover for re-title and re-registration charges and smog fees that are going to add up to a few hundred out of my pocket since I am keeping the car. Thanks for taking the time to read my question.""

""Progressive Insurance vs Safe Auto, who's better?

i want to get auto insurance. i got quotes online and they both gave me the same quote basically ($71 per month-6months)...has anyone had experience w/one of these insurance places or have 1 of them currently?

Does State Farm charge higher auto rates for older drivers?

Does a low deductible plus an older driver result in higher charges for auto insurance coverage for liability and collision rates? The driver also has a clean driving record.Thank you for your response.This is for North Carolina.

I need dental insurance...?

Does anyone know of any good places I can get dental insurance through? Thanks

Were can i get cheap car insurance in the central florida area?

Car insurance?

is there such a thing as shared car insurace, kinda like family health insurance?( like 1 insurance bill 4 2 cars)""

""I am buying a used innova car, will the car insurance be in my name?

The car is having a loan of Rs 350000/- & i am planing to take over the loan. But if any thing happens to the car in the loan period will the insurance company pay to me or the owner who has made the insurance.

Pregnancy Insurance California?

Ok I know my son is responsible and wants to me about this matter but would like some help if someone knows since most places are closed on the weekends that would help with this. My son (21) and fiance just found out she is pregnant, my son works and has great insurance for himself. and just purchased his first home. Income about 30,000. Girlfriend just got laid off from a part time job and no insurance. Just moved in with him recently. If not married will his income disqualify her from Medi cal or will he be charged for the service. They were planning on getting married before this and adding her on to his insurance 100.00 a month. for family benefits. but now that she is already pregnant some have told us the insurance may not pay because of preexisting. and if they marry most likely will disqualify from getting medi cal. Also have seem something about AIM. If anyone has used that or have knowledge of that insurance. I know this is long someone also mentioned that my sons first time buyers credit (loan) may also be taken from him if she gets medical. Any help will be appreciated.""

Interest rates for a rental property?

I've been told that I can expect a higher interest rate when I buy a house to use as a rental property than I would if it were a primary residence. What sort of a difference are we talking? 1%? more? less? Also ditto that for insurance. I can only assume that it would be more, but how MUCH more is the question.""

Average car insurance rates for people under 21 years old?

California teen insurance question?

How much would insurance for a 16 year old beginning driver in a 25,000 car in California be. Thanks in advance friendly Yahoo Answers users :)""

Im 18 Years old with a 1998 corsa (5door) and im getting insurance quotes at 2500 - 3k+? is this right?

A few of my mates are getting quotes at just under 2k, but i dont get anywer near that. i dont have pass plus but surely a car this old doesnt have high insurance?""

Can i drive other peoples vhicles with my car insurance?

hi i have insurance to drive my car and im coverd to drive other peoples cars but dose the other persons car need insurance covering that vhicle for me to still be coverd or will my insurance cover that??? thanks

What's a website that tells you the average insurance of a car?

Lets say for a Mustang GT? I'm think of getting one but don't know how much the insurance of one is. Thanks.

How much do u spend for your car insurance a year?

I would like to compare the fares to german car insurances.. e.g. for a VW Polo or Ford Fiesta..

Why does ACA make insurance mandatory?

Does anyone know why the Affordable Health Care Act requires you to have insurance? I could understand an optional government insurance plan if you don't get it through work, but I don't understand why there will be a penalty if you are uninsured. Avoiding emotional responses (for instance: b/c Obama sux), does anyone know the reasoning behind that? An example of the answer I'm looking for would be if you asked me why Americans are required to have car insurance, why aren't we just allowed to pay for accidents out of pocked if we choose to? I would answer by saying that some people would not get insurance because they thought they could avoid an accident, but then get into one and nobody would pay for the other person's car/injuries. Putting the person in jail wouldn't help the victim, so it's better to make everyone have car insurance.""

""How much would the cost of a 2003 lincoln ls front bumper be, and where can I find a bumper?

2003 silver Lincoln LS. Only reliability insurance on the car.

geico insurance quote by license

What is the best insurance policy for my llc business?

Car insurance question..wasn't my fault.?

i got into a car accident 4weeks ago. the person begged me not to call her insurance company n said she'd pay for everything. after i got my estimate then she decided not to pay b/c its about 4000. it took her 2weeks to decide. i already talked to both of my insurance company n her insurance company. it wasn't my fault, and i have a witness. i don't want to use my insurance b/c i have to pay 1000 deductible and i'm not sure if i can get it back, and why should i if it was that person's fault. her insurance company said i should just use my insurance, and my insurance company said it'd be easier to use her insurance. what should i do? should i just wait? b/c i really don't want to pay a 1000 dollars.""

I am 18 and need car insurance?

i am moving out of my moms house, me and her havent been getting along at all lately. she isnt letting me take my car so i need to buy my own car and get my own insurance. is it possible for an 18 year old to get their own car insurance policy ? i was told you had to be 25. and if i do buy my own policy, about how much will it be? i have no tickets or violations and it will be an older car, but it will run! and advice at all on moving out and making it work would be much appreciated.""

""I m under 18 and my parents are divorced, so how do i do my car insurance?""

My parents are divorced, and eac have different car insurance plans. if i go under one of their car insurance plans to use their car, can i still use the other parents car all the time of do i have to get separate insurance?""

Does insuring a family member/friend on your car make insurance cheaper?

Need help with car insurance quotes?

i wanna get a used 2004 mazda rx-8. it has 68,000 miles on it and is a coupe, 2 doors. i really need just a guess, cause my online effort on all those sights is really driving me crazy. i don't know what half the stuff means. i'm 16 and would prolly be on my parents insurance, cause thats what my brothers doing. any ideas at what it would be per month?""

Car insurance.......?

If I lend my car to a friend and they have a prang into another car and the friend is not covered by any insurance to drive my car what will happen? Will my insurance be effected?

How much will my car insurance be?

I just got my 7th DUI conviction and I want to buy a Chevrolet Corvette, but dont know how much insurance will cost my parents? I don't want them to have to pay too much but i really want the car. please help""

Which is worse on insurance costs or points a DUI or not haveing insurance?

My insurance company has on record that my husband had a DUI 2 years ago, but he didn't I got the paper work to show that it was a driving without insurance charge but I want to know which is worse to the insurance company.""

Health & dental insurance?

who has the best health & dental insurance for a small business of less than 10 people?

How much does your credit rating affect your car insurance premium?

The CSR from my company just told me that continuous coverage is much more of a discount than a good credit rating gives you. So, overall, about what percent do folks in the know think that the credit rating matters?""

Where can i buy salvaged/broken cars or trucks from insurance companies for cheap?

i am thinking to start a business of exporting cars to third world countries. i see potential but i am looking for cheap and nice cars. i already have a mechanic, already have agents and know how to ship. i am thinking i should find potential markets here that i can buy for cheap. my main target is older semi trucks and some models of sedans here. any help ?""

How do I find health insurance if I have been told we are uninsurable?

I am asking this question for my m-in-law. Retired early, had extensive back surgery, f-in-law has diabetes and possible heart issues. Going to be coming off of COBRA in California, and are looking for health insurance. Aren't there health insurances like Medicaid/Care that cover hard to insure people that are in > 50yr age group?? What if they change their residency from Calif. to Texas?? Does it matter??""

Anyone know of an insurance company in Alabama that covers Suboxone?

Ive been checking around and BCBS said that I wouold have to wait till after a year of coverage untill they would cover that drug for some reason, also would it be considered a pre-existing condition if I was prescribed the drug before I obtained coverage?""

Insurance question?

My friend has a 1990 Mazda B-2200 Club Cab 4x2 and he's paying $140 per month for insurance. I keep telling him that if he gets a new car his insurance rate will go down because of the safety features on that car. His truck has no ABS, airbags or any other safety features besides seatbelts. He's looking to get a 2008 Volkswagen Rabbit. Now the Rabbit has standard 4-wheel ABS, front, side and curtain airbags, traction control, etc. The price of the car is around $17,000-18,000 but he's still worried that he'll pay more each month. Is that actually true or am I completely wrong?""

Car Insurance/homeowners insurance?

Is Response Insurance a good company? I'm looking to lower my current rates with American Family. Response gave me some really good rate quotes.

Can i get full coverage insurance with a suspended drivers license?

How much is insurance per month?

Insurance for a car. I'm going to buy a used car for no more than $3000, for getting to and fro school. How much would insurance be? Is insurance where you take out a loan and pay back on it month by month, forever? Or can you cease it at anytime?""

Car insurance advice needed?

What would be a good car insurance for me to get? I'm 18, if that helps. I'm looking for affordable and full coverage. So yeah. Thanks. :)""

How much should I be paying for Car Insurance? - 99 Honda Accord 26yr old male?

I have a 1999 Honda Accord , Fair condition, 124,000 miles. I am paying aprox 1500 per year for my plan. I am 26 with some points . Last Ticket was in Jan 2005 speeding, one other ticket in 2004. Clean since then. One accident that was not my fault. Should I drop my collison and does anyone have an idea on what a typical plan would run me? I feel like a 1500 dollar plan on a car that is worth 4500-5000 blue book car is a bit much. Thanks""

Cheap car insurance I mean cheap?

Just passed my test and found insurance is massive, I need some kinda voucher or something to get to insure my car. Any ideas. UK ONLY""

Cheapest sport cars for teenagers?

What is the best cheapest sport car and the cheapest insurance.

Advice regarding car insurance....I am new to it all?

Could someone please explain to me how the costs are decided, im aware the younger you are the more it will be (im 18 :/) but which cars fall into which category ? Any sites which will show me ? Also any advice on what is a good 1st car ? can anyone suggest a site where i can do comparisions regarding the car/insurance cost/insurance group etc because when i search nothing useful is coming up""

How much impact will a claim of $1400 have on my Insurance rates?

I have a deductible of $500 so the actual payout would only be $900. But someone told me that the amount doesn't matter. Its the number of claims. So in that case would 1 claim matter? I have asked the same question to my Insurance company and they are non comittal. Anyone with similiar situation, please advise..""

Cost of insurance for a 16 year old?

I am turning 16 in may and i can't wait to get my license but i am also starting to think about insurance. It is going to be sooooo much. I have a '85 corvette but my dad told me they have to insure me with the most expensive car they own. This would be a 2002 F250. I was wondering which one would be cheaper and about how much? I was thinking around 200-300$ a month but i have no idea? and how much difference would it be between the car and the truck? please help?

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captainalwayslazycollectort-blog · 7 years ago

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Auto Insurance for 18 Years Old.. HELP?

Who has the cheapest motorcycle insurance? This is going to sound crazy but try to stay with me here. Im 17 about to be 18 and I live in Michigan. Im going to be going to college in Lima, Ohio and will be driving back to michigan every couple of weeks. I have a truck that sucks gas so I am going to buy a bike. Either an 98-05 Yamaha YZF R6 or R1 I havent decided yet. I was wondering who has the cheapest insurance for what Im doing with the bike. Basically driving it long distance and to class every so often. It will be stored in my apartment down there whenever Im not driving it. Can anyone help me out. I know Im a little young for any kind of cheap insurance but maybe there is a company out there that gives breaks to college students? Well anyway the main question is : From your experiences which company has the cheapest motorcycle insurance? BEST ANSWER Try this site where you can compare quotes from different companies: http://freecarinsurance.xyz?src=scoop RELATED QUESTIONS Has anyone sign up for the Affordable Health insurance? There are all these news about too much traffic to the site, but has anyone actually signed up for health insurance through healthcare.gov? Cheap cars/insurance? I m 20 male and I am looking for my first car, I didn t get on with driving manual (stick shift) so I only drive AUTOMATIC before anyone complains about me only driving automatic I drive to get to and from places so makes no major difference Ect! Anyway I have got a car no but its a 1990 Renault 5 auto 1.4 , tax is ok ,fuel isn t bad at all , and insurance is only 100 per month , I need to change the car because on long journeys its not always reliable it has a electrical fault that would cost more than the cars worth . And im looking for a slightly newer car anyway so whats automatics are cheap for my age? I have been on go compare ect... Which bill should get paid first? Car Insurance or last credit card debt payment? I get paid approximately $400 a week. Which bill should I pay first? The car insurance was supposed to be paid on the 15th of this month. The outstanding credit card balance was supposed to get paid last month. I also will get paid on Friday. Should I just pay the outstanding credit card payment, which was already in collections or pay my car insurance? Cheapest car insurance uk desperate!? im 17 and just passed my test and i have a citreon saxo sx 1.4. my parents dont drive so i cant get insured on their name so i know its going to cos me a fair amount. ive tried looking on all the search engines such as confused but the prices are so expensive! does anyone know any individual companies that are really cheap, i really am desperate!! lol, thanks. Whats better Nissan, VW, Volvo, Honda? I m a 17 year old looking to buy my first car. If you answer please mention why and which car or cars you like. I m looking in the price range from 14,000-26,000 Car insurance? how much would it cost for a 16 year old girl, honor student & drivers ed to start a plan by her self, or would it be cheaper to be added to my parents plan? aslo the car would be a madza 3. THANKS :) Can I drive under my parent s insurance? I m 18, have a license and my dad bought a car for me to drive. If my dad registers it all under his name(title and insurance) will I be able to drive it? I don t want to be added into the insurance, I just want to drive it all under my dad s name. I m in California, can this be done? If I get pulled over, will the police not hassle me over it? Does affordable FAMILY Health insurance in California even exist? :( Desperate!? There are affordable policies yes. But not anything without a huge deductible so I dont want to get into s bything that doesnt have decent coverage when im spending 100 s a month. Im actually going to see a financial advisor soon since my income will be taxed after medical insurance is deducted monthly if I choose to go thru my employer and my husband is self employed. Yes I am a female. And the baby is hypothetical as of now. Fyi SBI - general insurance -issue - home loan? sir, i had taken a NRI home loan with SBI last year - and now,they had added a general insurance cover to my loan account - though they seem to claim that it is mentined in the arrangement letter, but i did specifically asked at the time of documentation about the insurance and they said it is OK not to have it.. anyways..they had charged me around 25k as premium for a 30 lakhs loan without any notification. and i was not given any option to buy it on my choice. the SBI officials seems to be so rude when i discuss about this. how can take this forward..there is no way they could forcibly sell me their insurance product.. bascially, i am demanding an explanation for this. 1. why was this added without any notification. 2, what is the need for me to buy only SBI general insurance product. if i take this matter to RBI ombudsmen..will it have any effect Car insurance for 19 year old? I currently drive a 2005 Mazda6 (4cyl, 140 hp sedan) and I am under my dads policy. I want to buy a 2008-09 VW GTI which is a 4cyl 200 hp turbo hatch, I want a 2 door, but will opt for the 5 door if it saves a good amount of money. How much more should I expect to pay for insurance with the GTI if on my dad s policy? Will it be cheaper to get my own? Also would waiting until I am 20 to buy the car save more money? I have never had a speeding ticket, I had one minor accident when I was 17, I have had a traffic violation last year, but I wasn t even the driver of the vehicle for the offense, also no points were added to my license for this as I did a traffic course and paid a fine instead. (florida) Does becoming pregnant qualify as a life changing event for most insurance companies/employers? Commonly, life changing events are listed as marriage, divorce, and birth of a child, ect. If a person doesn t have insurance and learns that they are pregnant, will most companies allow enrollment at that time even if enrollment is scheduled at a specific time of the year? How much should a 17 year old s car insurance cost in the UK? i m 17 and want to drive. i m a full time college student, which probably doesn t make any difference? right now i m looking at a 2001 VAUXHALL CORSA 1.6 engine, LS 5dr [AC] Hatchback, which is costing around 999 how much should i expect the insurance to cost for this car? or for a car similar? it will be my first car. Thanks. Budget/Avis is charging me $1100 for box truck roof damage I didn t do but cant prove. Should I just pay to not drag it through insurance? Last fall I was in a car accident which was my fault and is on my insurance record, so I am actually considering paying. I m not really sure how the auto insurance system works. Are vauxhall corsa s cheap on insurance? Are vauxhall corsa s cheap on insurance? How much will car insurance go up for me? im 15 and i live in FL so i can get my permit but my mom said shes not letting me unless i get put onto theyre insurance (statefarm) but she also said shes not getting me insurance if its super expencive.....any1 know a estimated amount it will go up???? Coloradans: Are you aware of this class action lawsuit against HSBC/Assurant for flood insuramce? http://www.housingwire.com/articles/3354... ...lawsuit that alleges that HSBC intentionally herded consumers to unnecessary and onerous coverage levels when force placing homeowners whose coverage had lapsed into flood-insurance policies. In turn I am from Massachusetts. I need to find a low cost health care plan. any suggestions? I was a full-time student until the end of this semester I will only have 3 credits left to take, so I won t fall under my schools Health care plan anymore. Since the great Common Wealth is going to force me to have health care I am going to need a plan. the only thing is that, since i have not graduated yet i will probably not be able to find a new better paying job. at my current job if i work full-time i will only be make about 1200 a month. This means i can t afford to be paying $200-400 a month on insurance a healthy under 25 year old needs i guess. I am looking for cheap options of around $100-150 a month or lower....are they out there for Mass?....I m talking like the most basic of the basic here Car insurance 2 Different Co? My girlfriend recently bought a car but she is insured by her parents policy, she is wanting to know if she can get another insurance company s policy without raising her parents rates. Can my drivers license be suspended out of state for lack of insurance? My vehicle was in another state when someone drove the vehicle without permission and was in an accident. I carried no liability as the vehicle was suppose to be sitting, unused. I didn t even know the vehicle had been taken. Can that state suspend my license? 17 year old motorcycle insurance cost? Hey I am looking to get my motorcycle license and was wondering what the cost for insurance would be. I already have the motorcycle, a 1982 Yamaha xt125 or I may look into getting a Honda rebel 250. I would just use it for shorter commutes. Any estimates would be greatly appreciated. Thank you. Who has the cheapest motorcycle insurance? This is going to sound crazy but try to stay with me here. Im 17 about to be 18 and I live in Michigan. Im going to be going to college in Lima, Ohio and will be driving back to michigan every couple of weeks. I have a truck that sucks gas so I am going to buy a bike. Either an 98-05 Yamaha YZF R6 or R1 I havent decided yet. I was wondering who has the cheapest insurance for what Im doing with the bike. Basically driving it long distance and to class every so often. It will be stored in my apartment down there whenever Im not driving it. Can anyone help me out. I know Im a little young for any kind of cheap insurance but maybe there is a company out there that gives breaks to college students? Well anyway the main question is : From your experiences which company has the cheapest motorcycle insurance? Low- cost insurance for my 2 year old??? Is it possible to get insurance for my 2 year old at a low rate WITHOUT insuring myself or my husband? We tried getting on our state s medicaid program (which was originally started for people who couldn t get health insurance through their jobs but left that behind long ago!) but of course my husband and I make too much money. Every insurance quote we ve been given has been astronomical and we d have to insure one or both of ourselves to get insurance on the baby. What can I do??? We ve also both asked our employers to look into health insurance for their employees and it s still just too expensive! What happens when you collect life insurance from someone passing away but it turns out he s not dead? So I m watching Cast Away, Tom Hanks is gone for 4 years everybody thinks he s dead and they had a funeral for him and they gave him a death certificate so what happens to the money his family got from life insurance do they have to pay it back or what? Car insurance lapse payments? My car was towed because I had a lapse of payments on my insurance. The cop told me i could get my car back in a day. My question is will i be able to get on a new insurance plan bring it to the DMV and re-register my car? Anymore information on this topic will be great. fyi i live in CT, USA. Private health insurance plan needed? I was layed off and need to enroll into a health insurance plan. My Cobra is going to be 700 just for me alone. I really need to have insurance but that s sooo expensive any hints or help is very much appreciated. Is my daughter covered under my car insurance? My 18 year old daughter finally got her drivers liscense (how i do not know) She has had it for four days. Last night I let her drive before I put her on my car insurance. She hit a car . I wanted to pay the guy out of my own pocket but it looks to be $4000 in damage. Im pissed . What are some not so high insurance cost performance cars for a young enthusiast? so far I have ( im with usaa btw insurance isn t so ridiculously high for these cars) Subaru WRX Volkswagen Golf GTI Mitisubishi Lancer Ralliart How to Quickly Find the Best Term Life Insurance Quote? How to Quickly Find the Best Term Life Insurance Quote? How much do you pay for car insurance? and how old are you? not the insurance that pays for ur car if it gets damaged, the insurance that pays for the damage if you hit another car? i think what is that insurance called? no-fault insurance? idk new be Does anyone know of a insurance company that will insure a house that already has damage? My roof is damaged and in 3 weeks I am having sears fix it.But i am required to have insurance on my house but because of the damage to the roof i cant find a insurance company to insure my home. Does anyone know of a insurance company that will insure a house that already has damage? Disability Insurance Questions? what does disability insurance mean and who gets it s benefits Cheap car insurance with no deposit? where is the best place to get insured that is cheap and no deposit asked for or cheap deposit?, thanks History of u.s government health insurance? What was the first government funded health insurance program? How was elgibility determined? How much (roughly) would car insurance for this car be a year? im going to be 15 when i would be driving it and its a 1998 Lincoln Navigator and im with state farm and i will be added onto my moms policy and my sisters also on it and my mom and my sister have never been in car wrecks and im taking drivers ed and I live in montana (low crime) so about roughly how much would it cost a year for insurance on this car? For my first car i want a jeep wrangler1997, im 16 will the insurance cost more than a 2005 ford fusion? 4x4 automatic Teens do any of you have any insurance? Car insurance cell phone insurance life insurance health insurance renters insurance homeowners insurance Title insurance Troll insurance No matter what the product its good to have insurance AM I RIGHT? How much would insurance be for a Volkswagen passat 1999- 2003? Hey I ll be getting my licenses soon and I took a interest in the Volkswagen Passat, I think that it would be a good car for a teen beginner driver. I ll be paying for the insurance and everything myself but I have heard that the car parts are expensive to fix and etc. I just wanted more advice and opinions. Help plzzz Can my parents cut me off of my health insurance? well im 17 and i have tenncare health insurance i live in TN, anybody is qualified for that insurance if your (i think 18 or 21 younger?) i want to know is one of my parents allowed to cut off my insurance (even tho they dont pay for it or nothing! its free) because i am pregnant and i want to keep the baby (its my responsibility) they re against it.. (and my health insurance covers for all the checkups, delivery etc at no cost) most likely my parents will kick me out dis own me (sad but true) heres my plan Best whole life insurance company that isn t that expensive? http://gusdur.cn/health-insurance.html http://gusdur.cn/health-insurance.html http://gusdur.cn/health-insurance.html Which would be cheaper insurance? I m 15 and for my first transportation vehicle. Which would cheaper on insurance. A sports bike with 500cc or 2014 mustang gt? Which one would have a cheaper insurance rate? Does having a baby increase you car insurance premium? My wife had our first baby in March. This month (April) her car insurance has to be renewed. We have noticed that when we disclose that we have a dependant the premium appears to increase by 100? Has anyone else with children experienced this? This is just another slap in the face for parents. Who has the cheapest motorcycle insurance? This is going to sound crazy but try to stay with me here. Im 17 about to be 18 and I live in Michigan. Im going to be going to college in Lima, Ohio and will be driving back to michigan every couple of weeks. I have a truck that sucks gas so I am going to buy a bike. Either an 98-05 Yamaha YZF R6 or R1 I havent decided yet. I was wondering who has the cheapest insurance for what Im doing with the bike. Basically driving it long distance and to class every so often. It will be stored in my apartment down there whenever Im not driving it. Can anyone help me out. I know Im a little young for any kind of cheap insurance but maybe there is a company out there that gives breaks to college students? Well anyway the main question is : From your experiences which company has the cheapest motorcycle insurance? What is the most economic way to insure a second car? What is the most economic way to insure a second car? Which insurance is needed? I m looking into buying mascot costume for myself to wear at events or childrens parties etc , After struggling to find any local enough on several occasions ive decided i m going to do it. Sooo... I ve looked into insurances but just want to make sure im right as i m not to clued up here .. I need public liability & i want product liability . Is there another i will need? I wont have a premises as such as all my costumes will be at my home but do i need a separate insurance cover for stock at home or can i just up my contents cover for these? Is there any other insurance i need. Thanks Whate is the best car insurance? Whate is the best car insurance? Is there an insurance company who will insure a Dutch car? I have just moved back to England after spending 11 years in Holland and i have a very nice car which i dont want to sell. I have changed my Dutch driving license to english and would like to know if there is an insurance company who will insure my dutch registered car. If so i can then make an appointment to have the headlights changed. Thanks for your time. Sue. Car insurance help???????? i have a cousin who is 16 n has a license, i am going on a trip for couple of months, i am wondering if he could drive my car legally if it is insured under my name. just becuz is costs him like 200 bucks for month to have insurance. Is it the car or the driver who needs to have a insurance or does it differ by state, and my cousin lives in kentucky Home Owners Insurance Policy Refund? I am looking to get a home owners policy with Homesite. They require a 25% down payment and monthly payments. I am thinking I might want to change policies in 2 or 3 months. If I cancel will I be charged anything beyond the monthly cost, ie a termination or set up fee. I looked for info on the web site, but they don t have contract details on there. How much is average for childcare? I have a 4 year old, a 2 year old and a 8mth old. About 8 hr/5days a week? I ll explain a little more. I own a duplex which I rent out the top of while my husband and I live down stairs. The renters upstairs have been my friends for a long time and they needed an apartment so we rented to them for $535 a month. After a year we agreed to trade daycare for rent so I could go back to work full time. The arangment has gone from no cash exchanged to us paying their car insurance ($90/month) the water bill ($50/month) What is the best car insurance for if you don t have own car? I don t have car and I do rent a car frequently, Is there any insurance that I can take and that can be transferred to what ever car I rent for the day? what I mean is If I take any insurance for 6months or one year that should be applied to the what ever car I drive. any suggestions? Can i put my car under my dad s insurance even thou its registered to me? My car is financed but the insurance rates are thou the roof! im paying over 475 a month for full coverage, can i have my dad add it to his policy as a second car and still have it registered under my name? Will the finance company find out? will this be possible? Does life insurance cover you when you are out of your home country? If I move overseas will my life insurance still cover me there? Car insurance question ONTARIO? I am 18, live in Toronto, Ontario and dreaming of having a car, but I can t afford to pay $400 a month or more, so, could I get my dad to buy the car with my money, register it as if it his, get cheap insurance for it as if it was his, and then just drive it all the time having the proper car documents on me. How much of a legal issue would that be if a cop pulled me over and I showed him that the car is family owned and insured and I just happen to be driving it today. My family already has a truck and a Toyota, I don t know if that is relevant or not, but Im just throwing it out there. And just to make sure, what would happen if (god forbid) I was to get in an accident and wasn t at fault? how about if it was my fault(talk about sticky situations). How do I get money from my insurance company when car is titled in divorcing husband s name.? I totaled a car that is registered and insured in my name. The title is in the divorcing husband s name. He won t sign the title to get insurance check. Even if he did the check would go into his name. What can I do to get the money? Or what should I do? Lawyers are not much help right now. Full-time college student, where and how can i get some kind of free health care? I am a colleg student. I don t have any kind of health care insurance. I cannot afford to buy health care for me. Is there any kind of health care I can get from that state? BTW, I live in Charlotte, NC. Would like to know if I can get some kind of coverage. Convertible car higher insurance? lets say there is a 350z Coupe and a 350z Convertible, is the 350z Convertible insurance cost more than the 350z Coupe? What is insurance on a 2003 infiniti? Im looking to buy a 2003 infiniti g35 coupe, and i need to know what it is like, average cost, regular insurance prices, ultimately is it worth it for a 16 year old? thanks Insurance or Laywers Office?? Insurance or laywer payout? Not sure what to do at this stage. Insurers are willing to compensate me for a fall. Am getting conflicting advice. Some say go to laywer for sure, insurance will rip me off. Others say don t go to laywer as they will take a chunk of your compensation and you may be left with far less than the insurance offer. In general which one do you think accept, laywer or insurer Can I get cheaper insurance while my vehicle is in storage? I m going to be out of the country for a while, and am putting my car in an auto storage place. But since I m keeping it registered and leaving the plates on it, I have to maintain insurance. Do any insurance companies offer cheaper insurance or a special type of insurance that I can put on there, since I wont be driving the vehicle? This is because I m deploying to Iraq, btw. What life insurance policy should I get? I have the option of variable whole life, whole life, and term life. I know term life is the best, but i am only 18 and i don t have time to go out and invest in mutual funds unless its really easy and quick. I am a college student, and I have no income. I am planning on becoming a nurse, but of course that is not guarenteed. Which one should I get and why? Please don t just say don t get whole life! it sucks yeah i know that but i need details. Also what about for my parents who are in their early 60 s . Which one should they get?? Do you need full coverage on a vehicle thats 4500 thaht you put a 1500 down payment on?!?!? Because it doesn t make sense for the insurance to be more than the cost of the car Auto Insurance Issue? I was sent my typical 6 month bill by them which i didn t pay because i went with the new company (much better rate). No lapses in coverage what-so-ever. So the real question is: Am i responsible to pay this mysterious bill that does not explain what it is for other than an outstanding balance on my canceled account which was PIF the last time i was sent a bill? Who has the cheapest motorcycle insurance? This is going to sound crazy but try to stay with me here. Im 17 about to be 18 and I live in Michigan. Im going to be going to college in Lima, Ohio and will be driving back to michigan every couple of weeks. I have a truck that sucks gas so I am going to buy a bike. Either an 98-05 Yamaha YZF R6 or R1 I havent decided yet. I was wondering who has the cheapest insurance for what Im doing with the bike. Basically driving it long distance and to class every so often. It will be stored in my apartment down there whenever Im not driving it. Can anyone help me out. I know Im a little young for any kind of cheap insurance but maybe there is a company out there that gives breaks to college students? Well anyway the main question is : From your experiences which company has the cheapest motorcycle insurance? Does anyone use or heard of Response.com for auto insurance? Response.com seems to have the least expensive insurance rates at plans that are what I currently have. Going with them would save a lot of money but I ve never heard of them personally. Afraid of Driving.? I m afraid of driving. I don t have my learners permit yet, but I m going to take the test soon. When I see the road, I see vehicles that weigh a ton moving faster than God should ever allow (metaphor, I don t actually mean it.) I just get scared by the idea of going on to the road and driving with those cars, and I ve seen the statistics on how often car-crashes are. Either it s in my fault or theirs in an accident, it only matters to the insurance, but what if I get seriously hurt or die? I don t really plan on really rely on a car, I live in almost an urban, but more of a suburban area and can get most places near me by bike. And when I graduate highschool, I plan on going to the military for duty (atleast 4 years.) and after that, I m going to try to move to the city. To where I can rely on public transportation. I mean, if there s so many rules and regulations for how someone should drive on the road, that means it s extremely dangerous. My dad and mom tries to push me into getting a permit. But I don t have the heart to tell them that I m seriously afraid of driving. Any suggestion base on your experences with Health and dental insurances? My Health and Dental Insurance from my old employer (under cobra with Kasier) will expire soon. I plan on buying my own Health and Dental, any suggestions in Northern California?. Thanks Best site for Home Owners Insurance on California Cooperatives? Best site for Home Owners Insurance on California Cooperatives? BEST CAR INSURANCE?????????????????????... I WANT THE BEST COMPANY TO GO WITH, NOT THE BEST TYPE OF INSURANCE... My wife has a job with a small business her own cleaning business. She has to pay her own health insurance. Are the payments deductible ? My wife has a job with a small business her own cleaning business. She has to pay her own health insurance. Are the payments deductible ? Does Progressive raise your insurance rates for no reason? I got a good quote from them online, but the main complaint I have heard is that they raise people s insurance for no reason. They got good initial quotes, but a couple months later, they raise them. Anybody know anything about that? What is the average of full coverage car insurance for a chavy blazer 2001 in north Carolina? I am planing to buy a chavy blazer 2001 used car. I know I will need full coverage insurance. I am a good driver, haven t have any accidents or traffic violations. How much would the car insurance cost in North Carolina? What sporty car can i get which is under insurance group 11? I am only 19 years old so it cant be higher or insurance will cost a bomb. I like the Honda Civic type s although they might be slightly over my budget at 9000. I also like the Fiat Bravo 2007 T-Jet sport, but a bit worried about the Fiat reliability. The Ford fiesta ST is okay i suppose. Can you give me some sporty car suggestions please. I prefer hatchbacks. Thanks in advance. I am turning 16 soon and I am a guy, What is a car that is sporty, but is safe and has low insurance? my price range is between $8,000 to about $13,000 because i will be getting it used more than likely.. also I want it to look nice, because i m an average high schooler. What kind of insurance will cover rhinoplasty pertaining to broken nose? My nose broke and now I have what the doctor told is called Saddle Nose. He said there is no rush, but I have some difficulty breathing and it is somewhat deformed. I have University of California health insurance, will this help? How should I get this procedure done for the most inexpensive cost? Any insurance experts? Do mopeds in California require insurance? Do mopeds in California require insurance? Cant afford health insurance. can new york child support make me get health insurance? my husband has another child in new york and we recently moved to pa and there trying to get him to get health insurance that he cannot afford. Can they do that or can he call them and tell them he cant afford it. He doesnt even have medical for our children or himself. How to make insurance cheeper? what are the things i can do to make my car insurance cheaper? i have good grades my car is 97 color gold Do I need to get new auto insurance? If I ve prepaid my auto insurance policy for 6 months, and then move to a state that that company doesn t service, will my policy still be in effect, or will I need to go with a different carrier? Best insurance for a yorkie ??? Sorry its ASPCA, not Aspec . Car insurance question..wasn t my fault.? yes i have all her information...and the police came when it happened. i talked to my insurance company the same day it happened...she was begging me not to call her insurance company b/c her insurance will go up...it took her 2weeks to decide to use her insurance. yes i was being dumb. then i called her insurance company last week and they are still working on it. The minimum amount your auto insurance must cover per accident is? The minimum amount your auto insurance must cover per accident is in california?? A. $15,000; 30,000; 5,000 B. $10,000; $25,000; $5,000 C. $20,000; $25,000; $15,000 D. $5,000; $15,000; $10,000 Car Insurance Renewal? Dear Mates I have been driving for a year,The car that I have got is Micra 1 litre. Just received a letter from my current Insurance Provider. Letter says that my car insurance is 1807 for this year, if I pays Monthly. Which is about 300 more than last year. Even this year, I have got 1 year No Claim Bonus. What you guys think, is that OK or is it too much on this car? How much do you pays at the moment? Many Thanks Health insurance out of pocket payment doubling, why? (Please read all of it to fully understand) I could never wrap my head around this out of pocket payment issue that I have been having. I had two appointments...one in february and one in october of last year. I was told by the lady at the desk that I would have to pay 32 dollars (in october) for that appointment. I have a $5000 deductible and only met $700 of it. I was told that I only had to pay 32 dollars. In february, my out of pocket payment went down to $30...and that s all that I have paid because I was told that insurance covered the rest. Well two days ago I was mailed a letter from the office saying that I owed $60. 30 extra dollars for October s visit and another 30 for february s visit. I called the office and asked them why they were charging me $60 extra dollars. According to them, I was supposed to pay $60 dollars the entire time, but the office only charged me $30. I have been going to this office for the past year or two and they are JUST beginning to charge me $60. Plus, they re tacking on another $60 dollars for this weeks appointment, which I thought I would be paying $30 for. I asked them, why they are JUST beginning to charge me $60 dollars and not tell me about it when I first started. I have to pay off the 60 dollars for the past two appointments and also pay something towards this weeks appointment. The nurse or whatever simply said, I don t know...some of us don t know how to look into the insurance system. Is this even right? Who has the cheapest motorcycle insurance? This is going to sound crazy but try to stay with me here. Im 17 about to be 18 and I live in Michigan. Im going to be going to college in Lima, Ohio and will be driving back to michigan every couple of weeks. I have a truck that sucks gas so I am going to buy a bike. Either an 98-05 Yamaha YZF R6 or R1 I havent decided yet. I was wondering who has the cheapest insurance for what Im doing with the bike. Basically driving it long distance and to class every so often. It will be stored in my apartment down there whenever Im not driving it. Can anyone help me out. I know Im a little young for any kind of cheap insurance but maybe there is a company out there that gives breaks to college students? Well anyway the main question is : From your experiences which company has the cheapest motorcycle insurance? https://www.linkedin.com/pulse/car-finance-insurance-phyllis-clayton

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