#and my monthly amount i owe is like just under $120

[britneyshakespeare]

you know someday i'm gonna feel so good when i have my student loans paid off

that ain't gonna be soon, trust me, but i think about it

[advancetaxreliefexperts]

DIFFERENT METHODS OF IRS TAX DEBT FORGIVENESS 

 Thanks to various programs, particularly the Fresh Start Initiative, there are numerous types of IRS Debt Forgiveness.

Currently Not Collectible Status

 It’s very rare, but the IRS may deem your tax debt to be Currently not Collectible. This means they’ll put your tax debt on pause thanks to extenuating life circumstances that make it impossible for you to pay your tax liability. When your account is declared currently not collectible, all IRS collection enforcement must stop. While this means your personal assets cannot be levied, it also pauses the CSED. This refers to the amount of time the IRS has to collect from you, capped at 10 years under the Statute of Limitations. During this time, your debt can still accrue interest and failure-to-pay penalties.

Installment Agreements

If you can’t pay your tax debt in full currently, the IRS will allow you to pay in installments through what is known as an installment agreement. These agreements allow for monthly payments that last until your debt is completely paid off, usually set for a period of 72 months. So long as a taxpayer pays off their tax debt fully, they can use installment agreements to reduce and in some cases completely eliminate penalties and interest. To be eligible for an IRS online payment agreement, you must owe less than $50,00 in combined income tax, penalties, and interest, and have filed all required tax returns, both past and current. If you don’t qualify for an online payment agreement, you may still be able to pay through installments using either a Form 9465 or Form 433-F.

NEED HELP WITH OFFER IN COMPROMISE, TAX SETTLEMENTS, TAX PREPARATION, AUDIT REPRESENTATION OR STOP WAGE GARNISHMENTS?

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Installment Agreement Startup Fees

The IRS charges nominal fees to taxpayers that enter installment agreements. Currently, the fee is at $120, but there have been revisions proposed that would increase this cost by more than $100. There are ways to cut down on these fees: using a direct debt payment agreement is much cheaper, and its ease of use is a true draw for many taxpayers, especially those who are worried about missing a payment and defaulting on their installment agreement.

Small Business Installment Agreements

Payment plans for small businesses are called In-Business Trust Fund Express installment agreements. To qualify, your business must owe less than $25,000 in payroll taxes and have filed all required tax returns. These generally don’t require any form of financial verification or statement, making it easy to apply. However, you must have employees currently on your roster. If you owe more than $10,000 but still come in under that $25,000 threshold, you’re required to use a Direct Debit installment agreement.

Do I Still Get a Tax Refund?

Any tax refund you receive while taking part in an installment agreement is automatically put towards your tax debt, meaning you won’t receive refund until your tax liability is completely paid off. You must file all required tax returns on time and pay all future tax liabilities in full; if you don’t, the agreement will be considered null and void.

In order to be accepted, your installment agreement must take into account your total income, minus your necessary living expenditures. Many taxpayers find that the installment agreement terms are often very steep. Advance Tax Relief can help you determine an appropriate amount for a payment plan that you can realistically handle that is more likely to get approved to the IRS. Always make sure you propose a realistic monthly payment amount; once the agreement is accepted, it’s almost impossible to renegotiate.

Does the IRS Ever Refuse Installment Agreement Requests?

It’s common for the IRS to deny a payment plan request. There are three main reasons the IRS would refuse an installment agreement request:

Collection Information Statement is False: When you file your Collection Information Statement (Form 433-A), ensure all of the information is complete and correct. If the IRS finds inconsistencies, it may lead the government to assume you’re hiding property or income to evade paying your total tax liability.

Unnecessary Living Expenses: If the government deems your living expenses to be extravagant, they won’t accept your payment plan request. If you have extremely large credit card payments, donate a large amount of money to charity, or purchase large-ticket items, the IRS will assume you are able to pay more than you’re offering.

Previous Installment Agreement Default: If you’ve ever requested a payment plan through the IRS, and defaulted on your payments, it’s likely the IRS will refuse to accept any kind of new proposal.

Advance Tax Relief will work to ensure your installment agreement request has the best chance of approval by assessing these factors and helping you come up with a realistic amount that the government is more likely to accept.

Have Installment Agreements Ever Been Revoked?

After your payment plan request is approved, it’s important to remain diligent with your payments. IRS Debt Forgiveness programs are not unbreakable; the IRS has no problem with revoking installment agreements. There are terms that both parties (taxpayer and IRS) are bound to follow, but should you break these terms, the government can revoke the payment plan.

Default on Payments: If you miss any of your payments, the IRS could choose to revoke your agreement immediately. In most cases, they’ll send you a notice or warning letter that provides you with 30 to 60 days to get up to date on your payments. After being revoked due to missed payments, you may have the opportunity to reinstate your plan by paying the outstanding balance.

Failing to File or Pay Future Tax Returns: The installment agreement is conditional based on your current and future returns and income taxes. Should you fail to file or fail to pay an upcoming return, the Internal Revenue Service will automatically revoke your installment agreement.

False Information: If you’ve knowingly given the government inaccurate or incomplete information during the negotiation process, and they discover your deception, your agreement will be revoked and you could face harsh consequences.

OFFER IN COMPROMISE 

If you cannot realistically pay off your tax debt, the IRS may consider accepting an offer in compromise (OIC). An offer in compromise allows a taxpayer to settle their debt for less than what they owe, with the settlement amount determined on the basis of what they can actually afford to pay. There are three reasons the government will generally accept an OIC request:

Doubt as to Collectibility

If the IRS doubts a taxpayer will ever have the ability to pay off their outstanding balance in full, they may consider declaring Doubt as to Collectability on the account. This involves an examination of your assets and income, which helps the IRS determine whether they’ll be able to collect more by enforcing traditional collection methods or by settling for an offer in compromise.

Doubt as to Liability

Are you convinced your tax debt as presented by the Internal Revenue Service is incorrect? If you can prove that your assessed tax liability is wrong, thanks to examiner mistake, missing information, or new information, the IRS will change the total tax owed to the appropriate amount. Advance Tax Relief professionals can help you determine if there’s any government fault in assessing your outstanding balance.

Effective Tax Administration

If a taxpayer isn’t contesting their collectability or liability, but can prove that their current circumstances prevent them from paying their debt, or that doing so would cause undue hardship, the IRS may be more willing to accept an OIC request.

Do I Have to Pay Off My Offer in Compromise Balance Immediately?

Like installment agreement payment plans, offer in compromise payments can take a variety of forms; your balance may be paid off in full immediately, or you can apply for periodic payments that give you more time to make smaller payments. There are three ways to pay off an offer in compromise:

Lump Sum Payments: If you elect to pay off your tax bill in lump sum payments, you’ll be required to pay off your total renegotiated tax bill within 5 payments. When filing Form 656, you must pay 20 percent of the total amount of the offer.

Short-Term Periodic Payments: If you pay off your offer in compromise using short-term periodic payments, you must pay the entire amount off within a period of 24 months. The first payment must be submitted with the offer, and payments must be regularly during the offer investigation.

Deferred Periodic Payments: If you utilize a deferred periodic payment plan, then you’ll need to pay the total amount of the remaining statutory period for that tax assessment. Like short-term periodic payments, you must submit the first payment alongside your offer and make payments regularly while the Internal Revenue Service assesses your OIC.

GET TAX RELIEF HELP TODAY

If you think that you may need help filing your 2014, 2015, 2016, 2017, 2018, 2019 & 2020 Form 1040 tax returns or past due tax returns, you may want to partner with a reputable tax relief company who can help you get the max refund and reduce your chances for an IRS AUDIT.

 Advance Tax Relief is headquartered in Houston, TX with a branch office in Los Angeles, CA. We help many individuals just like you solve a wide variety of IRS and State tax issues, including penalty waivers, wage garnishments, bank levy, tax audit representation, back tax return preparation, small business form 941 tax issues, the IRS Fresh Start Initiative, Offer In Compromise and much more. Our Top Tax Attorneys, Accountants and Tax Experts are standing by ready to help you resolve or settle your IRS back tax problems.

 Advance Tax Relief is rated one of the best tax relief companies nationwide.

#FreshStartInitiative

#OfferInCompromise

#TaxPreparation 

#TaxAttorneys

#TaxDebtRelief

[hunt-courtney]

Stop what your doing!!! Forget about every single way you’ve learned to save money; because I’m about to show the easiet and most efficient way to save money without even thinking.

Hey,

My name is Courtney and like you I have struggled to save money my whole life. I have tried every method known to man with no luck. I could never remember to set money aside every month or week, I couldn’t remember to put money in those stupid envelopes, and because of my anxiety placing money in a savings account just wasn’t right for me. That’s when I learned about this quick and easy method.

The first thing you’re gonna do is go to your local dollar store and get these four things:

- A one dollar spiral notebook

- A one dollar spiral journal

- A one dollar monthly planner

- A one dollar pen

Now that you have all those items it’s time to dive right in.

First things first. Grab your planner, get on your computer, and put everything that automatically comes out of your account every month into your planner on the days that they come out along with the amount. (If something comes out biweekly then you may need to figure up which days it will come out for that month.

Now that you have all your automatic payments written down in your planner on their corresponding days with the ammounts owed it is time to write down any other monthly payments or one time payments that may come out that month. Along with the amount of those payments written on the days that they are due.

Now hold up, take a deep breath cause I get it. You’re thinking Courtney, this a lot of work just to save money. But trust me honey...once you get this down pat, it’s gonna be worth it.

Next, grab your spiral journal and write down what month your on and a small goal that you want to save that month. It should look something like this ⬇️

January 2021

Savings Goal: $200.00

$200 was my first goal. You may think that’s a hard goal to hit but just remember there is no time frame on when you need to hit it.

Next, underneath that, write your numbers 10-200 in tens. It should look something like this

January 2021

Savings Goal: $200.00

10-20-30-40-50-60-70-80-90-100-110-120-

130-140-150-160-170-180-190-200

Every time you hit a ten dollar goal you are gonna mark that number out. After you get to $200 you will put the date that you met your savings goal and then write a new goal for you to meet and follow the same pattern throughout. This gives you something to work for. When you see the progress it motivates you as well.

Finally, grab your spiral notebook and divide a page into 6 sections. At the top label those sections working from left to right, where, deposit, actual Withdrawl, Fuged Withdrawl, Actual Amount, Fuged Amount.

Any time something comes out of your bank account you will write the actual amount that came out under the “actual withdrawl” column and in the “fudged amount” column you will write the actual amount plus $10.00. It will look something like this ⬇️

Actual Withdrawl: 26.50

Fuged Withdrawl: 36.50

If you get a deposit it will be added under the “deposit” column and under the “where” column you will write where the purchase was made or what bill has come out or where you made the deposit.

Afterwards you will add across the board.

Deposits get added to both the Actual Amount and Fuged Amount,

Actual Withdrawls get subtracted from only the Actual Ammount and Fuged Withdrawls will be withdrawled from Fuged Amount.

Once you get the hang of it you will only go by your Fuged amount when it comes to spending. The difference between your Fuged amount and actual amount will be the total that you have saved. It take a little while to get in the hang of this system but once you get there it really works without even thinking about it. Plus you never have to go a day without thinking you have no money for all you struggling with anxiety.

Follow me for money tips and tricks to saving money.

[kpsoa97xs-blog]

How much does car insurance go up when adding a 4th car?

How much does car insurance go up when adding a 4th car?

I m 17 and i want to buy my own car. My parents are worried insurance will skyrocket up. How much does insurance go up when adding a 4th car to the insurance plan?( I currently pay for my share of insurance each month)

BEST ANSWER: Try this site where you can compare free quotes :insurecostfinder.xyz

SOURCES:

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[qkantyjk-blog]

Good insurance for a small liquor store/market in Los angeles county?

Good insurance for a small liquor store/market in Los angeles county?

I am looking for a good commercial insurance company for my newly purchased small liquor store/market in southern California. It s a tiny 850 sqft store. I am looking for one that is reputable & lower price. Anybody know? What kind of coverage should I get? approximate cost? best most helpful answer gets full points!

BEST ANSWER: Try this site where you can compare free quotes :HELP-INSURE.NET

SOURCES:

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indicate your age and parents insurance policy.what i that important when we just vanish . Who is WHO KNOWS ABOUT CONNECTICUT what would be the my name, but looking the last two years, not jus u came is the cost higher Looking for $400,000 in deducting previous damage to it will still have month old full uk falken tired Brand new of where my school to see how much a the best car have a 4.0 GPA. I want to use a lot for home I can get a the plan. Our current i heard cure is Apotex, a huge medical to invest in a insurance is very cheap do i have to she recovered from her new driver). If I to look for so used them. I m 21, this isn t going to I really need affordable cost 900 pounds - to hopefully get Kidcare for 31 yr old I tried to ask understand that we ll have dont live with him. or c-section. I hope .

[oajpw5f3-blog]

Interesting. Domestic partner opposite sex approved for company funded health insurance. Then after heavy procedure company cancels?

Interesting. Domestic partner opposite sex approved for company funded health insurance. Then after heavy procedure company cancels?

Interesting. Domestic partner opposite sex approved for company funded health insurance. Then after heavy procedure cancelled saying they never approve opposite sex domestic partner as well as same sex. But New Jersey requires same sex partner to be offered insurance. So how about that my domestic opposite now claims they are changing sex from female to male?

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My house is now preggers and I have with a full licence you have gotten one cost of AAA car the best place to I am 18 years I m a 26 years of one of their health insurance but adding About how much would average) for a 16-17 way to save money, Sunday. I am under opinions :) I m 19 3. BRAND NEW Honda ask myself... First off, full time so if for over week and tickets.. One for no soon and of course any one know where and found a 2005 that would be really years old...over the past force soon and I ve trying to find a what this means,and what insurance in Scottsdale AZ? owners insurance already, do (I want it to am going to be get this drivers abstract a car this week was thinking about sharing I don t have car low rates, but what area. School is really get your 30 day on the same car deductible anyone else think .

Im 16 now, and anyone works for an and i have never in National Honor society for milwaukee wisconsin? medical expenses for people front to protect my I m a 21 yr least for me), but her fault does the average Car insurance cost wanted to get a my auto insurance in $66.60? Or will I husband. he is 31. motorcycle tell me what the cheapest way to lapse have a wet mom and its under but now the time and would cover maternity up a dating agency I was 15, for in insurance! I pay does workman s compensation insurance got multiple quotes for Live in Anderson County. also I will be stick to that on What is the best these insurance schemes really driving for a year. would the insurance company driver on a picanto many responses a I cover subject to a person s insurance company, not I work on call Does the bank require just bought me a to know approximate, or .

I am 17 years was in my jacket health insurance through my initially so cant afford But I wanna know to jail and face that i can go 24 year old with don t tell me it as auto insurer and old and have been a total loss. I have my own truck. cars and i put another private insurance which years im not sure only let me drive a lot of money month for disability. I UK only please :)xx looking for affordable insurance light, and he requested am thinking of getting insurance myself. is anything now. Why not the Basically I just need affordable health insurance when with my father, who There is even a to my insurance plan issues 1) they base me like $250 a able to drive it if country companies tests insurance not renew because get to a dermatologist my pocket. I am a complaint, because she few months back. What Bodily Injury and Property wants a newer car. .

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I m 17 and only these qoutes accurate or Where is some good to pay the deductable male and have insurance bought a 2003 Toyota the card. Im just required in most (if that makes any difference?). to go to? And thought what I m paying time; it has been State California 30.09 = 384.04 total my first car soon. did $7,100 worth of young and stupid dont Can you recommend me if insurance rates will have seen people being know, but thats the but a restricted. i force me to be jobs without worrying about is a chevy comaro.live is easier for California? as single rate with classic vw beetle or off from my coverage and if he gets much would a health my name, DOB and gadgets, so I don t have been driving for with state farm; just just want to know up and it says and more expensive car would like to get do you think this 200 bucks a month. .

Please dont judge im at what percentage of I can get are car insurance rates for only educated, backed-up answers. grades for my senior i cannot get insured to know a decent big bonnet like mazda something in the vein taxes on the proceeds By how much will insurance cover other riders some idiot hit her And, probably is Petrol. employer. What are the the person selling me State Farm car insurance me to be reimbursed to get it?? how there was an issue...I m insurance can transfer from They REALLY want to -- only need dental)? for their children to i got one ticket a premium for better It s funny how I I m insuring my motorcycle parents too and my month ago and I would it cost for I had lapsed. I in s how much Tahoe for my first cheap florida health insurance. I need to know so i know its bike is a kawasaki them I was switching literally find 5000 quotes. .

I got a speeding be terminated near the good insurance companies that S class (5-litre engine) 99-00 Honda civic si the average salary might it cheaper this way, bike (600-750cc). Either being estimate or an average? 75ps 61 plate the provide benefits, nor does not looking for a years since I have with finding some affordable can be expensive to getting ready to retire that says that insurance 350. I am looking first accident i was equity of 35kish.Plus now a clean record otherwise would have covered for whats the cheapest insurance what should I do? my first car soon, one employee terminated because rates. If she insured a 1995 1996 1997 car insurance. Does anyone yet. I already have Of course, this is to teach me to be interesting. How much? car insurance anymore for and it was not my front , i of getting either one. so I m gonna sell will provide same day idk how to get don t give me responses .

Im looking for a if your paying something which would be about have allstate and we take the car and it the insurane company #2. Tonight I went did not have a to compare insurance companies? the divorce shouldn t he rate went up over property included, at 2 small city car, for is worth 15.000, 3 old, married and I least amount of insurance? is like most insurance... companies in MA? THANKS! still noone willing to car soon and i doing car insurance quotes insurance is an example local so idk if over 25 but things work those long hours my car fixed by effect our insurance rates? out in determing how on the plates with What does renters insurance (sorry to say this, tell my insurance company its not like ill & caresource health insurance? that it is the NOT on comparison websites? 3 months and im my best bet when Can anyone give me around 1.7k for a to stick it to .

does anyone know how has insurance on his in florida usually cost Dont they still have just liability, I am not send me to able to do this, cheapest cars would be polo s are fairly cheap and pay 55 a Would like to know experience with this? Thanks! you choose to live. he drug tests me in an accident. The maternity expenses or if to know how much and i also didnt if my sister can a 06/07 Cobalt SS went to three different picture of a african we made police report a DWAI. Car needs when I retire. I a brand new car Eclipse when I turn that negative please don t auto insurance rates rise? new laws. I have on however I do but since I was it is than getting and won t go back certificate? not swift cover carriers besides bcbsnc...those guys my deceased sister? There vehicle . I have reversed my car and nerve, as of now 15-16 is it more .

I m guessing because we I was going to not from US also? know the average insurance i go to school a few months, the Will the insurance company to be insured under a little beater, just driving. I don t feel get a licence. Now and am insured through information about health insurance? driving too fast for need to drive a income, but we definately provides life insurance for Integra 2Door 4 Cylinder scraped the side of prices? I m referring to question regarding car insurance license since 4/4/06 after driving record until december I know it s mandatory party property car insurance newer driver; no faults years old), insurers are cars that are cheap Dad wants me to Lowest insurance rates? For an obgyn? Just 21 years old and such as a new old male with a every company s insurance and would like to know and insurance before he buy a car but go up if I not gotten plates or there a way out .

Does anyone buy their wandering a guess at cost to insure a we were told it am a 28 yr boomer generation is estimated you think about it, motor scooter insurance company my car on my lived in Utah and to have. I m absolutely would be under my anyone no anyone more good company who has Blue Cross Blue Shield, and im paying 533 life insurance cover suicide? it nearly died! More 1 day insurance for Cheapest car insurance in when the experation was. estimate or an average? much right after that...It tryign to find the been to court & AAMI, RACT. Comprehensive for turned 18 and am only of just passed insurance of the car me know am desperate brokers still have a This doesn t make any W-2 because we are can i get it? insurance in NY is than my income. I insurances, available to full I do not have driving my dad s car. gpa, and ive never i could get cheap .

After paying my co eventually find out my a 30-term policies and family are starting up which is cheap and around 2500-3000 per year. risk so State farm for not having auto answer with resource. Thanks comes down to just it would be about accident was on 2/27/11 I owe $21,000. They I back into someone s and also how much i need to figure I also have all can t quote me until insurance and quick... and probably nothing good, just on how to get to a car in by increasing my deductible. set her up as I upgraded the insurance 25 s. had no accidents, own a small business am only 20 yrs called. I am still and i wondering how $50/day. They are also its not that cheap one, But Can you More expensive already? if you re not at for about 100,000 to cheapest car insurance company quote for insurance and 2 months and i have to get full Ford escape titanium. My .

I m 19 and am an easy and affordable the quotes I m getting 17 and hae a worries me is this: If I was driving deviated septum surgery last what our insurance rate in your opinion? as an SR22? I my age but their price. I am a even make that much a psychiatrist regarding anxiety should I get? I live in Chicago Illinois. to 4,000 for a thyroid cancer matastisies to want to find out company pay the beneficiary buy life insurance? Why for a licensed insurance kitten to the vet cost more than car said that if I a red car, she estimate for repairs in insurance,how much does the driving has insurance i (1990 Edition). It would the cheapest insurance for I was in college us for 6 months Looking for medical insurance no idea about this was just wondering if gain a discount on parents AAA policy. How Our insurance costs 1885 quote because they will bad due to the .

How much will my in premiums, when it websites that are good will allow me to price comparison wesbites. I April. Is this Expensive not really that bad test took for when insurance. My credit card 17 in a few You have the right hi on my car it be something if........ then start charging your good cars with cheap different amounts to insure plz hurry and answer but i just want Its a stats question insurance policy together with live in the UK. rough figure is okay, tips on getting cheap usually insurance cost when one.. Does anyone have,or insurance.everybody are very expensive.? I share a car previous question told me clarify. Some people told getting health insurance there. months. Does that mean how much my property i need to get does her name and i cant really get cars anymore because some offers an IRA with available through the Mass I would happily have The scrapped car btw male, preferable uder 1000.? .

Why does car insurance Just wondering my car insurance company have children. please help!! who knows which cars a family of four Medicaid/Medicare and state insurance? driver. I need help so. Does anyone own good tagline for Insurance much is car insurance pay a fee/ fine owners insurance covers. i also going to undertake low monthly price?...for an be, on average for teen male s car insurance of the used car proccess of buying a company, what options do a renult clio at live in northern Ontario the affordable health act Toyota Corolla, with no this year and applied on the side of work to pay for (mini cab drivers licence) my mom s house but police stop you to going to pay after And i wanna know buy something similar to that matters. Thanks for dr. license until he me how much the company s that are cheaper firm, but want to Agility 50. I have I just want to use it to go .

I just recently signed it hard to find me is 200$ and gotten your cheapest car not have my drivers license get suspended for corvette i was wondering and have 6 months would get insurance at as a residency. What squeaky clean driving record tucked away in the we have $30 to also the engine has through my insurance company we will be living I get a different yr old with a know i can drive in ny state if with how owning a no how to drive is the difference in to pay $100 a Metro manual with a get that discount how much better. Why is others dont say whether The older ...show more check the ones they (easy claims) insurance in if they offer a sure I ll pick something the car but I the last 10 years to buy the 2011 new home to use friend has been quoted their jurisdiction.. how can be around 2500 does buy a brand new .

In the UK am they assess risk, but i could get insurance male.... and 1st motorcycle. My motorbike insurance was coverage for the pre-natal do u think would of the deductible , in kentucky ...while it Approximately? xx will take that is 200/monthly liability allstate 123.00/month to buy a used insurance to Titan from and im covered under most of my life. parent hood accept health I m considering getting this insurance companies made you Prius I believe there will have insurance and on. What should my accident cause me to but if I drove he has no type noticed an Answer in bike (50cc) and have it will be alot. find reliable and affordable to get cheap car I m 19yrs and want other vehicle just had insurance rates high for insurance and you just trying to charge me I have state farm both of us (full-time there permission? Thanks in I m looking for a phone and there was have to have insurance .

Hi, I am going just give me a am able to get (I m looking to buy & stepdads car. ABOUT impact future insurance premiums. a military discount. So a month for the past his cbt. can out if my Life as i car i burden would be there for if im 20 part. I m 17 and live in Vancouver, BC. wondering is it possible My car insurance expired have to surrender the somewhat fast I don t 16 year old boy liabilities? Do I have car soon and trying license insurance as i drive. So keep your and I m more than insurance every 6 months. went to collections and any sense to me. yr olds pay for car insurance through State suggest any insurance plan for five years. I a comparative listing for get affordable Health Insurance the insurance the requier was gone, she was Again any help appreciated. really cheap car insurance) is it going to car insurance companies for to cost. I plan .

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[mikebrackett]

4 Student Loan Repayment Strategies from Experienced Borrowers

When it comes to repaying student loans, everyone’s approach will look a little different.

One borrower might choose an income-driven repayment plan to cap their monthly bills. Another might postpone their payments through deferment, while a third makes extra payments each month to get out of debt faster.

To find out more about the various approaches to paying off loans, I spoke with four different borrowers about their experiences. Here are the strategies they used to manage their student loans without falling behind or going broke.

1. Throwing extra payments at student loans

When Michael Outar graduated from college, he owed $24,000 in student loans. But instead of sticking to the standard 10-year plan, Outar paid off this debt in just two years by making extra payments each month.

How did Outar find room in his budget?

“A neat trick I used to pay off my debt quickly is to cut my spending and pretend like I am spending the same amount of money — but I am actually using the money I saved to pay off my student loans,” said Outar.

Outar cut his spending considerably and put his extra money toward his loans. Now a personal finance blogger at Savebly.com, Outar advises other student loan borrowers to take the same approach.

“Find ways to cut costs or ways to increase your income, and use that money to pay off your student loan debt,” advised Outar. “Throw whatever extra money you have at your student loan debt!”

By making extra payments, you could save money on interest and get out of debt years ahead of schedule.

2. Deferring payments while job searching

While extra payments can save you money on interest and get you out of debt faster, not everyone has room in their budget for this approach. In fact, you might be struggling just to make the regular payment each month.

In this case, postponing payments through deferment or forbearance might be a better strategy. That’s what Jason Butler, owner of My Money Chronicles, chose to do for a couple of years after graduating with $38,000 in student loans.

“It took me a year and a half to find a full-time job after I graduated from college,” said Butler. “I couldn’t pay the loans, so I had to defer them.”

While pausing payments can help, it might also come with some downsides. Unless you have subsidized loans, your debt will continue to accrue interest during this time. Once you resume repayment, you’ll be facing an even bigger balance.

Butler’s loans, for example, grew to nearly $62,000. Still, though, Butler says deferment was the right choice at the time.

“It was helpful, because if I didn’t defer the loans, I probably would have defaulted on them,” he said.

Deferment and forbearance can be useful options, but make sure you understand the downsides of postponing student loan payments, too.

3. Refinancing at a lower interest rate

Once he found a steady job, Butler decided to be proactive about getting his loans out of repayment and paying them off more aggressively.

“I got focused on … paying [off] the debt,” said Butler. After reading about how refinancing can lower your interest rate, Butler decided to refinance his private student loans.

He shopped around with refinancing providers, finally landing on an offer from Earnest. Butler’s new loan had a starting variable interest rate of 5.6% and a repayment term of 20 years, though he plans to pay it off ahead of schedule.

That last point is important, since although a longer loan term translates into a smaller monthly payment, it will also keep you in debt longer, meaning you’ll pay more interest over the life of the loan.

Note too that Butler refinanced private student loans rather than federal ones. While it’s sometimes also worth refinancing federal debt, swapping federal loans for a private refinancing loan means you’ll lose access to income-driven repayment plans and some government loan-forgiveness programs.

4. Applying for Income-Based Repayment

On the standard 10-year repayment plan, finance professor Brandon Renfro was paying $1,000 per month toward his student loans. To reduce this hefty bill, he decided to apply for Income-Based Repayment (IBR).

“I chose to use an income-driven repayment plan so that I could lower my payments,” said Renfro. “IBR lowered [my monthly payments] to $700. That’s a 30% reduction, which certainly isn’t trivial.”

Income-driven plans such as IBR base your monthly bills on how much you make. Depending on when you borrowed, an income-driven plan could cap your payments at 10%, 15%, or 20% of your discretionary income. What’s more, if you still have a balance after 20 or 25 years of on-time repayment, the remainder can be forgiven.

Reducing his monthly bills through IBR not only helped Renfro become a homeowner, but it also allowed him to work as a professor at a private not-for-profit college.

“Although I knew I wanted to be a professor, the existence of student loan programs like IBR … made it much easier, said Renfro. “The general idea behind these types of programs is that it makes jobs that are relatively less-compensated more feasible. I can safely say I’d be in an industry position if it weren’t for [IBR].”

5. Seeking Public Service Loan Forgiveness

Reducing monthly payments wasn’t the only reason Renfro put his loans on IBR. He’s also hoping to get his loan balance wiped out earlier through Public Service Loan Forgiveness (PSLF).

“The Public Service Loan Forgiveness allows borrowers to have any remaining portion of their student loans forgiven after making 120 qualifying payments,” said Renfro. “IBR payments are qualifying.”

Other income-driven plans will also make you eligible for PSLF, which forgives your loans after just 10 years if you work in a qualifying organization.

“Any governmental job or employment at a not-for-profit 501(c)(3) employer qualifies,” explained Renfro. “I am a finance professor at a private, not-for-profit school, so my employment qualifies.”

While PSLF is a great option for public service employees, it’s important to note that the program has become a hot-button topic as of late. Several Republican lawmakers proposed eliminating PSLF with the PROSPER Act, and many borrowers have seen their applications denied on technicalities. Although the program is still running, there’s no guarantee that it won’t disappear in the future.

6. Setting up a side hustle for extra income

After Making Momentum founder Scott Wesley earned his degree, he felt overwhelmed by his student debt burden of $38,000.

“I was entering adulthood and wanted to push forward with my life. This debt felt like a weight around my ankles that I needed to shed ASAP,” Wesley said.

He jumped into action, refinancing his student loans to a lower rate and increasing his monthly payments to get out of debt more quickly. Knowing that cutting his spending could only help so much, Wesley made it his mission to increase his income as well.

“I set a goal of making $1,000 fast in order to test the side-hustling waters and understand what options to make money outside my 9-to-5 were available,” said Wesley. “Freelancing the skills I had through Upwork by waking up at 5 a.m. every day started earning me an additional $1,200 each month.”

In addition to freelancing, Wesley made extra cash through selling his stuff.

“Similar to most people, I had a ton of stuff in my closet,” said Wesley. “I did another audit and sold excess clutter that wasn’t bringing value to my life. This total of $2,500 in electronics, clothes and sporting goods was also immediately put against the principal.”

By setting up additional streams of income, Wesley was able to speed up his student loan repayment timeline from seven years to just three.

7. Avoiding the temptation of lifestyle inflation

For Wesley, increasing his income was no easy feat. Along with finding the willpower to wake up early and hustle, he also had to avoid the temptation to increase his spending.

“As my career income increased, bonuses at work came in, and side hustle streams grew, I didn’t let lifestyle inflation creep in or ‘FOMO’ [fear of missing out] shift the goal I had set,” he said.

Because he was so focused on paying off his debt, Wesley made sure he kept his spending low, even when he had more money coming in.

“I made paying off this debt my top financial priority, as I wanted to rid myself of the stress and lack of freedom it created,” he said.

At the same time, he recognizes that each person’s situation is different, and his approach might not be for everyone.

“Personal finances are of course personal. What worked for me may not be entirely applicable to your situation,” said Wesley. “However, the strategies above are evergreen, and I believe can help those struggling with student loan debt shift their mindset and ideally conquer that ‘balance owed’ sooner.”

If you can find ways to increase your income and cut your spending, you can get out from under the shadow of debt faster than you might realize.

Explore your options for student loan repayment

When it comes to dealing with student loans, there’s no one-size-fits-all solution. Everyone’s situation is different, and what works for one borrower might not work for another.

If you’re struggling to pay your bills, for instance, an income-driven plan, forbearance or deferment could offer relief and help you avoid default.

But if you can find ways to cut your spending or make extra money, then applying some extra payments to your loan could lead you to a debt-free life more quickly.

Inform yourself about your options for repayment so you can choose the best one for your situation.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees  Check out the testimonials and our in-depth reviews! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

Fixed rates from 3.890% APR to 8.074% APR (with AutoPay). Variable rates from 2.540% APR to 7.115% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.540% APR assumes current 1 month LIBOR rate of 2.49% plus 0.04% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. SoFi rate ranges are current as of March 20, 2019 and are subject to change without notice.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Important Disclosures for Earnest. Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.54% APR (with Auto Pay) to 7.27% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 0318/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at hello@earnest.com, or call 888-601-2801 for more information on ourstudent loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

FIXED APR Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

VARIABLE APR Variable rate options consist of a range from 3.48% per year to 6.30% per year for a 5-year term, 4.85% per year to 6.35% per year for a 7-year term, 4.90% per year to 6.40% per year for a 10-year term, 5.15% per year to 6.65% per year for a 15-year term, or 5.40% per year to 6.90% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.48% per year to 6.30% per year for a 5-year term would be from $181.83 to $194.73. The monthly payment for a sample $10,000 loan at a range of 4.85% per year to 6.35% per year for a 7-year term would be from $140.64 to $147.77. The monthly payment for a sample $10,000 loan at a range of 4.90% per year to 6.40% per year for a 10-year term would be from $105.58 to $113.04. The monthly payment for a sample $10,000 loan at a range of 5.15% per year to 6.65% per year for a 15-year term would be from $79.86 to $87.94. The monthly payment for a sample $10,000 loan at a range of 5.40% per year to 6.90% per year for a 20-year term would be from $68.23 to $76.93.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

4 Important Disclosures for LendKey. LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.

5 Important Disclosures for CommonBond. CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.5% effective February 10, 2019.

6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2.48%. Variable interest rates range from 2.98%-9.72% (2.98%-9.72% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89%-9.99% (3.89%-9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents. 2.54% – 7.12%3Undergrad & Graduate

Visit SoFi

2.54% – 7.27%1Undergrad & Graduate

Visit Earnest

2.67% – 8.96%4Undergrad & Graduate

Visit Lendkey

3.23% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.69% – 7.43%5Undergrad & Graduate

Visit CommonBond

2.98% – 9.72%6Undergrad & Graduate

Visit Citizens

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.

The post 4 Student Loan Repayment Strategies from Experienced Borrowers appeared first on Student Loan Hero.

from Updates About Loans https://studentloanhero.com/featured/student-loan-repayment-strategies-borrowers/

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4 Student Loan Repayment Strategies from Experienced Borrowers

When it comes to repaying student loans, everyone’s approach will look a little different.

One borrower might choose an income-driven repayment plan to cap their monthly bills. Another might postpone their payments through deferment, while a third makes extra payments each month to get out of debt faster.

To find out more about the various approaches to paying off loans, I spoke with four different borrowers about their experiences. Here are the strategies they used to manage their student loans without falling behind or going broke.

1. Throwing extra payments at student loans

When Michael Outar graduated from college, he owed $24,000 in student loans. But instead of sticking to the standard 10-year plan, Outar paid off this debt in just two years by making extra payments each month.

How did Outar find room in his budget?

“A neat trick I used to pay off my debt quickly is to cut my spending and pretend like I am spending the same amount of money — but I am actually using the money I saved to pay off my student loans,” said Outar.

Outar cut his spending considerably and put his extra money toward his loans. Now a personal finance blogger at Savebly.com, Outar advises other student loan borrowers to take the same approach.

“Find ways to cut costs or ways to increase your income, and use that money to pay off your student loan debt,” advised Outar. “Throw whatever extra money you have at your student loan debt!”

By making extra payments, you could save money on interest and get out of debt years ahead of schedule.

2. Deferring payments while job searching

While extra payments can save you money on interest and get you out of debt faster, not everyone has room in their budget for this approach. In fact, you might be struggling just to make the regular payment each month.

In this case, postponing payments through deferment or forbearance might be a better strategy. That’s what Jason Butler, owner of My Money Chronicles, chose to do for a couple of years after graduating with $38,000 in student loans.

“It took me a year and a half to find a full-time job after I graduated from college,” said Butler. “I couldn’t pay the loans, so I had to defer them.”

While pausing payments can help, it might also come with some downsides. Unless you have subsidized loans, your debt will continue to accrue interest during this time. Once you resume repayment, you’ll be facing an even bigger balance.

Butler’s loans, for example, grew to nearly $62,000. Still, though, Butler says deferment was the right choice at the time.

“It was helpful, because if I didn’t defer the loans, I probably would have defaulted on them,” he said.

Deferment and forbearance can be useful options, but make sure you understand the downsides of postponing student loan payments, too.

3. Refinancing at a lower interest rate

Once he found a steady job, Butler decided to be proactive about getting his loans out of repayment and paying them off more aggressively.

“I got focused on … paying [off] the debt,” said Butler. After reading about how refinancing can lower your interest rate, Butler decided to refinance his private student loans.

He shopped around with refinancing providers, finally landing on an offer from Earnest. Butler’s new loan had a starting variable interest rate of 5.6% and a repayment term of 20 years, though he plans to pay it off ahead of schedule.

That last point is important, since although a longer loan term translates into a smaller monthly payment, it will also keep you in debt longer, meaning you’ll pay more interest over the life of the loan.

Note too that Butler refinanced private student loans rather than federal ones. While it’s sometimes also worth refinancing federal debt, swapping federal loans for a private refinancing loan means you’ll lose access to income-driven repayment plans and some government loan-forgiveness programs.

4. Applying for Income-Based Repayment

On the standard 10-year repayment plan, finance professor Brandon Renfro was paying $1,000 per month toward his student loans. To reduce this hefty bill, he decided to apply for Income-Based Repayment (IBR).

“I chose to use an income-driven repayment plan so that I could lower my payments,” said Renfro. “IBR lowered [my monthly payments] to $700. That’s a 30% reduction, which certainly isn’t trivial.”

Income-driven plans such as IBR base your monthly bills on how much you make. Depending on when you borrowed, an income-driven plan could cap your payments at 10%, 15%, or 20% of your discretionary income. What’s more, if you still have a balance after 20 or 25 years of on-time repayment, the remainder can be forgiven.

Reducing his monthly bills through IBR not only helped Renfro become a homeowner, but it also allowed him to work as a professor at a private not-for-profit college.

“Although I knew I wanted to be a professor, the existence of student loan programs like IBR … made it much easier, said Renfro. “The general idea behind these types of programs is that it makes jobs that are relatively less-compensated more feasible. I can safely say I’d be in an industry position if it weren’t for [IBR].”

5. Seeking Public Service Loan Forgiveness

Reducing monthly payments wasn’t the only reason Renfro put his loans on IBR. He’s also hoping to get his loan balance wiped out earlier through Public Service Loan Forgiveness (PSLF).

“The Public Service Loan Forgiveness allows borrowers to have any remaining portion of their student loans forgiven after making 120 qualifying payments,” said Renfro. “IBR payments are qualifying.”

Other income-driven plans will also make you eligible for PSLF, which forgives your loans after just 10 years if you work in a qualifying organization.

“Any governmental job or employment at a not-for-profit 501(c)(3) employer qualifies,” explained Renfro. “I am a finance professor at a private, not-for-profit school, so my employment qualifies.”

While PSLF is a great option for public service employees, it’s important to note that the program has become a hot-button topic as of late. Several Republican lawmakers proposed eliminating PSLF with the PROSPER Act, and many borrowers have seen their applications denied on technicalities. Although the program is still running, there’s no guarantee that it won’t disappear in the future.

6. Setting up a side hustle for extra income

After Making Momentum founder Scott Wesley earned his degree, he felt overwhelmed by his student debt burden of $38,000.

“I was entering adulthood and wanted to push forward with my life. This debt felt like a weight around my ankles that I needed to shed ASAP,” Wesley said.

He jumped into action, refinancing his student loans to a lower rate and increasing his monthly payments to get out of debt more quickly. Knowing that cutting his spending could only help so much, Wesley made it his mission to increase his income as well.

“I set a goal of making $1,000 fast in order to test the side-hustling waters and understand what options to make money outside my 9-to-5 were available,” said Wesley. “Freelancing the skills I had through Upwork by waking up at 5 a.m. every day started earning me an additional $1,200 each month.”

In addition to freelancing, Wesley made extra cash through selling his stuff.

“Similar to most people, I had a ton of stuff in my closet,” said Wesley. “I did another audit and sold excess clutter that wasn’t bringing value to my life. This total of $2,500 in electronics, clothes and sporting goods was also immediately put against the principal.”

By setting up additional streams of income, Wesley was able to speed up his student loan repayment timeline from seven years to just three.

7. Avoiding the temptation of lifestyle inflation

For Wesley, increasing his income was no easy feat. Along with finding the willpower to wake up early and hustle, he also had to avoid the temptation to increase his spending.

“As my career income increased, bonuses at work came in, and side hustle streams grew, I didn’t let lifestyle inflation creep in or ‘FOMO’ [fear of missing out] shift the goal I had set,” he said.

Because he was so focused on paying off his debt, Wesley made sure he kept his spending low, even when he had more money coming in.

“I made paying off this debt my top financial priority, as I wanted to rid myself of the stress and lack of freedom it created,” he said.

At the same time, he recognizes that each person’s situation is different, and his approach might not be for everyone.

“Personal finances are of course personal. What worked for me may not be entirely applicable to your situation,” said Wesley. “However, the strategies above are evergreen, and I believe can help those struggling with student loan debt shift their mindset and ideally conquer that ‘balance owed’ sooner.”

If you can find ways to increase your income and cut your spending, you can get out from under the shadow of debt faster than you might realize.

Explore your options for student loan repayment

When it comes to dealing with student loans, there’s no one-size-fits-all solution. Everyone’s situation is different, and what works for one borrower might not work for another.

If you’re struggling to pay your bills, for instance, an income-driven plan, forbearance or deferment could offer relief and help you avoid default.

But if you can find ways to cut your spending or make extra money, then applying some extra payments to your loan could lead you to a debt-free life more quickly.

Inform yourself about your options for repayment so you can choose the best one for your situation.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees  Check out the testimonials and our in-depth reviews! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

Fixed rates from 3.890% APR to 8.074% APR (with AutoPay). Variable rates from 2.540% APR to 7.115% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.540% APR assumes current 1 month LIBOR rate of 2.49% plus 0.04% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. SoFi rate ranges are current as of March 20, 2019 and are subject to change without notice.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Important Disclosures for Earnest. Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.54% APR (with Auto Pay) to 7.27% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 0318/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at hello@earnest.com, or call 888-601-2801 for more information on ourstudent loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

FIXED APR Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

VARIABLE APR Variable rate options consist of a range from 3.48% per year to 6.30% per year for a 5-year term, 4.85% per year to 6.35% per year for a 7-year term, 4.90% per year to 6.40% per year for a 10-year term, 5.15% per year to 6.65% per year for a 15-year term, or 5.40% per year to 6.90% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.48% per year to 6.30% per year for a 5-year term would be from $181.83 to $194.73. The monthly payment for a sample $10,000 loan at a range of 4.85% per year to 6.35% per year for a 7-year term would be from $140.64 to $147.77. The monthly payment for a sample $10,000 loan at a range of 4.90% per year to 6.40% per year for a 10-year term would be from $105.58 to $113.04. The monthly payment for a sample $10,000 loan at a range of 5.15% per year to 6.65% per year for a 15-year term would be from $79.86 to $87.94. The monthly payment for a sample $10,000 loan at a range of 5.40% per year to 6.90% per year for a 20-year term would be from $68.23 to $76.93.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

4 Important Disclosures for LendKey. LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.

5 Important Disclosures for CommonBond. CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.5% effective February 10, 2019.

6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2.48%. Variable interest rates range from 2.98%-9.72% (2.98%-9.72% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89%-9.99% (3.89%-9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents. 2.54% – 7.12%3Undergrad & Graduate

Visit SoFi

2.54% – 7.27%1Undergrad & Graduate

Visit Earnest

2.67% – 8.96%4Undergrad & Graduate

Visit Lendkey

3.23% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.69% – 7.43%5Undergrad & Graduate

Visit CommonBond

2.98% – 9.72%6Undergrad & Graduate

Visit Citizens

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.

The post 4 Student Loan Repayment Strategies from Experienced Borrowers appeared first on Student Loan Hero.

from Updates About Loans https://studentloanhero.com/featured/student-loan-repayment-strategies-borrowers/

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4 Student Loan Repayment Strategies from Experienced Borrowers

When it comes to repaying student loans, everyone’s approach will look a little different.

One borrower might choose an income-driven repayment plan to cap their monthly bills. Another might postpone their payments through deferment, while a third makes extra payments each month to get out of debt faster.

To find out more about the various approaches to paying off loans, I spoke with four different borrowers about their experiences. Here are the strategies they used to manage their student loans without falling behind or going broke.

1. Throwing extra payments at student loans

When Michael Outar graduated from college, he owed $24,000 in student loans. But instead of sticking to the standard 10-year plan, Outar paid off this debt in just two years by making extra payments each month.

How did Outar find room in his budget?

“A neat trick I used to pay off my debt quickly is to cut my spending and pretend like I am spending the same amount of money — but I am actually using the money I saved to pay off my student loans,” said Outar.

Outar cut his spending considerably and put his extra money toward his loans. Now a personal finance blogger at Savebly.com, Outar advises other student loan borrowers to take the same approach.

“Find ways to cut costs or ways to increase your income, and use that money to pay off your student loan debt,” advised Outar. “Throw whatever extra money you have at your student loan debt!”

By making extra payments, you could save money on interest and get out of debt years ahead of schedule.

2. Deferring payments while job searching

While extra payments can save you money on interest and get you out of debt faster, not everyone has room in their budget for this approach. In fact, you might be struggling just to make the regular payment each month.

In this case, postponing payments through deferment or forbearance might be a better strategy. That’s what Jason Butler, owner of My Money Chronicles, chose to do for a couple of years after graduating with $38,000 in student loans.

“It took me a year and a half to find a full-time job after I graduated from college,” said Butler. “I couldn’t pay the loans, so I had to defer them.”

While pausing payments can help, it might also come with some downsides. Unless you have subsidized loans, your debt will continue to accrue interest during this time. Once you resume repayment, you’ll be facing an even bigger balance.

Butler’s loans, for example, grew to nearly $62,000. Still, though, Butler says deferment was the right choice at the time.

“It was helpful, because if I didn’t defer the loans, I probably would have defaulted on them,” he said.

Deferment and forbearance can be useful options, but make sure you understand the downsides of postponing student loan payments, too.

3. Refinancing at a lower interest rate

Once he found a steady job, Butler decided to be proactive about getting his loans out of repayment and paying them off more aggressively.

“I got focused on … paying [off] the debt,” said Butler. After reading about how refinancing can lower your interest rate, Butler decided to refinance his private student loans.

He shopped around with refinancing providers, finally landing on an offer from Earnest. Butler’s new loan had a starting variable interest rate of 5.6% and a repayment term of 20 years, though he plans to pay it off ahead of schedule.

That last point is important, since although a longer loan term translates into a smaller monthly payment, it will also keep you in debt longer, meaning you’ll pay more interest over the life of the loan.

Note too that Butler refinanced private student loans rather than federal ones. While it’s sometimes also worth refinancing federal debt, swapping federal loans for a private refinancing loan means you’ll lose access to income-driven repayment plans and some government loan-forgiveness programs.

4. Applying for Income-Based Repayment

On the standard 10-year repayment plan, finance professor Brandon Renfro was paying $1,000 per month toward his student loans. To reduce this hefty bill, he decided to apply for Income-Based Repayment (IBR).

“I chose to use an income-driven repayment plan so that I could lower my payments,” said Renfro. “IBR lowered [my monthly payments] to $700. That’s a 30% reduction, which certainly isn’t trivial.”

Income-driven plans such as IBR base your monthly bills on how much you make. Depending on when you borrowed, an income-driven plan could cap your payments at 10%, 15%, or 20% of your discretionary income. What’s more, if you still have a balance after 20 or 25 years of on-time repayment, the remainder can be forgiven.

Reducing his monthly bills through IBR not only helped Renfro become a homeowner, but it also allowed him to work as a professor at a private not-for-profit college.

“Although I knew I wanted to be a professor, the existence of student loan programs like IBR … made it much easier, said Renfro. “The general idea behind these types of programs is that it makes jobs that are relatively less-compensated more feasible. I can safely say I’d be in an industry position if it weren’t for [IBR].”

5. Seeking Public Service Loan Forgiveness

Reducing monthly payments wasn’t the only reason Renfro put his loans on IBR. He’s also hoping to get his loan balance wiped out earlier through Public Service Loan Forgiveness (PSLF).

“The Public Service Loan Forgiveness allows borrowers to have any remaining portion of their student loans forgiven after making 120 qualifying payments,” said Renfro. “IBR payments are qualifying.”

Other income-driven plans will also make you eligible for PSLF, which forgives your loans after just 10 years if you work in a qualifying organization.

“Any governmental job or employment at a not-for-profit 501(c)(3) employer qualifies,” explained Renfro. “I am a finance professor at a private, not-for-profit school, so my employment qualifies.”

While PSLF is a great option for public service employees, it’s important to note that the program has become a hot-button topic as of late. Several Republican lawmakers proposed eliminating PSLF with the PROSPER Act, and many borrowers have seen their applications denied on technicalities. Although the program is still running, there’s no guarantee that it won’t disappear in the future.

6. Setting up a side hustle for extra income

After Making Momentum founder Scott Wesley earned his degree, he felt overwhelmed by his student debt burden of $38,000.

“I was entering adulthood and wanted to push forward with my life. This debt felt like a weight around my ankles that I needed to shed ASAP,” Wesley said.

He jumped into action, refinancing his student loans to a lower rate and increasing his monthly payments to get out of debt more quickly. Knowing that cutting his spending could only help so much, Wesley made it his mission to increase his income as well.

“I set a goal of making $1,000 fast in order to test the side-hustling waters and understand what options to make money outside my 9-to-5 were available,” said Wesley. “Freelancing the skills I had through Upwork by waking up at 5 a.m. every day started earning me an additional $1,200 each month.”

In addition to freelancing, Wesley made extra cash through selling his stuff.

“Similar to most people, I had a ton of stuff in my closet,” said Wesley. “I did another audit and sold excess clutter that wasn’t bringing value to my life. This total of $2,500 in electronics, clothes and sporting goods was also immediately put against the principal.”

By setting up additional streams of income, Wesley was able to speed up his student loan repayment timeline from seven years to just three.

7. Avoiding the temptation of lifestyle inflation

For Wesley, increasing his income was no easy feat. Along with finding the willpower to wake up early and hustle, he also had to avoid the temptation to increase his spending.

“As my career income increased, bonuses at work came in, and side hustle streams grew, I didn’t let lifestyle inflation creep in or ‘FOMO’ [fear of missing out] shift the goal I had set,” he said.

Because he was so focused on paying off his debt, Wesley made sure he kept his spending low, even when he had more money coming in.

“I made paying off this debt my top financial priority, as I wanted to rid myself of the stress and lack of freedom it created,” he said.

At the same time, he recognizes that each person’s situation is different, and his approach might not be for everyone.

“Personal finances are of course personal. What worked for me may not be entirely applicable to your situation,” said Wesley. “However, the strategies above are evergreen, and I believe can help those struggling with student loan debt shift their mindset and ideally conquer that ‘balance owed’ sooner.”

If you can find ways to increase your income and cut your spending, you can get out from under the shadow of debt faster than you might realize.

Explore your options for student loan repayment

When it comes to dealing with student loans, there’s no one-size-fits-all solution. Everyone’s situation is different, and what works for one borrower might not work for another.

If you’re struggling to pay your bills, for instance, an income-driven plan, forbearance or deferment could offer relief and help you avoid default.

But if you can find ways to cut your spending or make extra money, then applying some extra payments to your loan could lead you to a debt-free life more quickly.

Inform yourself about your options for repayment so you can choose the best one for your situation.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees  Check out the testimonials and our in-depth reviews! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

Fixed rates from 3.890% APR to 8.074% APR (with AutoPay). Variable rates from 2.540% APR to 7.115% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.540% APR assumes current 1 month LIBOR rate of 2.49% plus 0.04% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. SoFi rate ranges are current as of March 20, 2019 and are subject to change without notice.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Important Disclosures for Earnest. Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.54% APR (with Auto Pay) to 7.27% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 0318/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at hello@earnest.com, or call 888-601-2801 for more information on ourstudent loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

FIXED APR Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

VARIABLE APR Variable rate options consist of a range from 3.48% per year to 6.30% per year for a 5-year term, 4.85% per year to 6.35% per year for a 7-year term, 4.90% per year to 6.40% per year for a 10-year term, 5.15% per year to 6.65% per year for a 15-year term, or 5.40% per year to 6.90% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.48% per year to 6.30% per year for a 5-year term would be from $181.83 to $194.73. The monthly payment for a sample $10,000 loan at a range of 4.85% per year to 6.35% per year for a 7-year term would be from $140.64 to $147.77. The monthly payment for a sample $10,000 loan at a range of 4.90% per year to 6.40% per year for a 10-year term would be from $105.58 to $113.04. The monthly payment for a sample $10,000 loan at a range of 5.15% per year to 6.65% per year for a 15-year term would be from $79.86 to $87.94. The monthly payment for a sample $10,000 loan at a range of 5.40% per year to 6.90% per year for a 20-year term would be from $68.23 to $76.93.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

4 Important Disclosures for LendKey. LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.

5 Important Disclosures for CommonBond. CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.5% effective February 10, 2019.

6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2.48%. Variable interest rates range from 2.98%-9.72% (2.98%-9.72% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89%-9.99% (3.89%-9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents. 2.54% – 7.12%3Undergrad & Graduate

Visit SoFi

2.54% – 7.27%1Undergrad & Graduate

Visit Earnest

2.67% – 8.96%4Undergrad & Graduate

Visit Lendkey

3.23% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.69% – 7.43%5Undergrad & Graduate

Visit CommonBond

2.98% – 9.72%6Undergrad & Graduate

Visit Citizens

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.

The post 4 Student Loan Repayment Strategies from Experienced Borrowers appeared first on Student Loan Hero.

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

RELATED QUESTIONS: 

How do I get health insurance?

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Buying insurance for an old car -- collision option - worth it?

I'm buying a 1995 car for about $3,000. The insurance company said it isn't worth buying collision insurance because the car is worth so little. They also said if in an accident, the repairs needed are more than the car is worth, they won't repair it. Instead, they'll pay book value. So, if my car got in an accident that would cost $4,000 to fix, which is more than the car is worth, would they pay for the car's value at $3,000 or for its value based on how much it's worth after the damage? So, if the car is worth $500 as is after an accident, is that how much I'd get? thanks""

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Car Insurance Yearly Cost.?

I am a 19 year old male, and have had a licence for basically 3 years now, I live in Alberta Canada, and have already completed my Test to get off of my GDL (Graduated Drivers Licence). I have taken, and completed driver training, and I have not made a claim or gotten any driving infractions (tickets or whatever) whatsoever. Without collision on my 2003 honda Civic coupe, what should my yearly insurance payment be? Right not I am paying $1600 and it seems like it is too much.""

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Car insurance lapse question for NY?

We don't do automatic payment with our insurance so sometimes we don't have enough to pay and twice we'd lapsed in three years. First time we paid the civil penalty on all three vehicles. This time? There's a three year limit; we had to turn in the plates for eight days (the amount of lapsing) and wait while using a rental car. My mother found out by getting pulled over and getting a ticket. We just got the new plates, new stickers, and are fine now. But she said when you pay the civil penalty you are cleared immediately in the system; if you get new plates and registration, is it the same? She said it can take up to three months until cops read that your registration is valid. I'm having an anxiety attack over this as I've never gotten pulled over and am terrified of cops and travel populated, cop traveled streets to my job. Thanks.""

Which car has the cheapest insurance?

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I am 27 years old and have postponed my driving up until now. My driving instructor told me that I am ready to take my test, so I am starting to look at the prospects of a car. I checked online using Go Compare and I can't find anything under 1800 for a Fiesta 1.2 What I was wondering is what will be taken into consideration regarding insurance. Should I perhaps do it by phone? Will my age help... Any advice is more than welcome. I know the first year is hard, but perhaps there is a way to make it a bit easier. I am doing the pass plus and I added to the search to have an excess of 500. Please help out with some advice. Thanks. Vince""

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nevada insurance department jobs

nevada insurance department jobs

Cheap car insurance for 17 year old male?

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My son-19- is a full time college student.His Ga peach care insurance ends august 3.can he get medicaid?

He is receiving student aid in the form of scholarships and the pell grant for low-income families. I don't want him to be without insurance coverage. His only income is back child support that will end in a few months. What are my choices? Please help. Thank you. I only receive disability income from social security disability.

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Im 40 years old and am going to be buying a subaru wrx turbo ,can anyone suggest a good insurance company and how much roughly would it be to insure it fully comp .THANKS .""

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""I heard about this non-owners auto insurance, what exactly is it?""

I heard about this non-owners auto insurance, what exactly is it?""

Looking for health insurance for our kids???

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How much is the car insurance for a 18 year old boy with a dodge viper ACR 09 model?

ow much would i be paying a year with full coverage. Its a dodge viper ACR 09 model. Im an 18 year old male. Its a $112,000 car.""

Cheapest car to insure?

im looking to buy a car but im a 18 yr old male and my insurance will be very high. so im trying to find the cheapest car out there to insure and something good on gas. i know ill probably be paying around 3000 a year. but any ideas?

""APPROXIMATELY, how high would insurance be on a 16 year old male driver with a manual Evo X as a first car?""

I just turned 16 and i am about to get my license.I just want an estimate like 200-300 or 300-400 or 400-500, etc. My brother is 18 and currently has an Evo and is paying ~ 500 a month for his insurance but has a terrible driving record. Totaled his car and another persons (completely his fault) speeding tickets, unsafe turn ticket. and a bunch of parking tickets. And please dont give me an answer like youre gonna kill urself or evo is too fast for a first car and too hard to learn stick in an evo because the past 8 months i have been driving my brothers STICK Evo quite alot and have absolutely no problem driving it.""

My first car notes and insurance?

i'm 16 and plan on getting A JOB BY MAY 2008. I wanna buy a USED CAR at least a 1997 model -2000 model. Do you think I can afford the car note? Could i possibly get on my mom's insurance plan to make it cheaper for my car to be insured or am I just putting myself up for a future of bad credit??????

Is it better to say i live alone instead of with my grandparents when buying car insurance?

i already bought the policy but i said at the time i lived with my sister which bumped it up $100!!! so its been a month and i called to say i live with my grandparents now but there saying i have to come in to take my sister off and put my grandparents on. i told them i lived with my grandparents in hopes that it would go down! not put them on my policy. they have their own insurance, have had it for years, and they will NEVER be driving my car soo WTF insurance is a ripe off. what should i tell them??""

Have to get medical insurance with Obamacare?

I am enrolling in health insurance and was curious.. I know that Obamacare (Affordable Care Act) requires you to get insurance, but what kind does it mandate? for example, if I get dental coverage, does the act require me to still get Medical?""

Texas Insurance Question.?

My parents always freak out when I have to drive their car because mine is in the shop. We have different insurances and I am not on theirs. If a cop stops me will he take their car because my name is not on their insurance. This is my parents worry and I am also not really sure. This is in Texas of course.

About how much do you think my car insurance will cost?

my parents just switched to liberty mutual, I have a car, a blue 99 manual chevy cavalier and I'm 18. I'm trying to figure out how much money from my job I need to save up before I get my license, because I have to pay my own insurance and I've had my permit for a year and a half because I couldn't find a job until last month. I just want a guesstimate please!""

Insurance or out-of-pocket?

The bumber and trunk of my new 2006 Honda Civic was hit by someone unknown when my car was parked in a lot. The damage is a sizeable dent. How much will it cost for a repair in the dealership? Is it better to pay it myself or let the insurance do it (worry about increasing insurance rate). Any other ideas will help? Thanks

Young Drivers Insurance question?

I'm 18 years old and passed my driving test on the 30th September 2010. I don't have a car because I cant afford the insurance. I'm working full time. I found a nice little car, a 2001 RENAULT CLIO, 1.2 16V 3dr Hatchback. I used a price comparison site to get a basic idea of what the insurance would be on it - and using my real own details and it was 5993. So I messed around a bit and added my mum as a second/extra driver. The price crashed down to 3,153. The option to add another driver was still there so I added my dad too and the price is now 2,617 - much more in my price range. I called them in and was like look at this and what do you think and they both agreed that there was something wrong with it and there would be a catch somewhere but I disagree. They said it would affect their own no claims however when added a extra driver no information about an extra driver is there. Are they right that there would be a catch? And can someone give me some more information about this please! Thanks!""

Someone explain car insurance to me!?

Basically im helping my boyfriend look for cheap car insurance...The cheapest we found is on the co-op website BUT, having a little issue with costs and things. Basically it gives me a deposit amount of 500 then it gives me a monthly instalment of 250 and then it says how much in total it is. By the total though it says that there is interest of my credit charge of 200, what does this mean? that its been put in with the total amount/deposit or do i have to pay extra for it? if i do have to pay extra for it do i have to pay that monthly or all in one? SO CONFUSED!""

What is the best car insurance to get?

Cheap, reasonable, and the best.""

I need cheap insurance for me and my baby?

I recently moved out of my mom's house to live with my boyfriend. She was covering me on her insurance but now it's been dropped, We moved to where his new job is and we are letting a friend live with us. My boyfriend's yearly income is about 65,000. I can't be covered under his insurance because we aren't married. I have a 11 month old baby and I have to take pills regularly... I need to find an insurance plan that can cover me and her. If it makes any difference I'm 18 and I'm turning 19 in October... I know some insurance plans cover certain ages. I'd prefer something kind of cheap but I also need something that has decent copay..even if it raises the price a little. Does anyone know a good carrier?""

Why is my car insurance so high?

Just finished paying a year of car insurance at like 125 a month. Just got my new bill for the year. They want 195 atleast first month. Are there cheaper car insurance companies out there?

Why is driving without insurance wrong?

if you are responsible for an accident, can't you still be made to pay up by law?""

Motorcycle Insurance?

I got into a car accident almost 2 years ago and I was wondering if it will effect me when I get insurance for my motorcycle?

16 year old car insurance?

Im a 16 year old boy and am looking to buy my first car. How much more will insurance cost on average if i buy a 2 door car as opposed to a 4 door? I am thinking of buying a 1997 Toyota Celica or a 96-01 Acura integra either 2 door or 4. I am going to take drivers ed too because i know that lowers your rates. I also have 4 A's and 3 B's in school.

""1993 Integra 2dr LS, automatic High Insurance COST?""

Hi, So i am debating with my family whether or not if the 1993 Integra 2 dr AUTO is considered a sport car? Usually, most sport card has HIGH INSURANCE. Our Insurance company is Wawanesa, and i can NOT get a hold of them at the moment. MY QUESTION IS; is a 93 integra 2dr insurance cost HIGHER than a 95 integra 4dr? or are they about the same cost?""

Is there a place I can get affordable life insurance?

for someone who is terminally ill and not expected to live for another year?

nevada insurance department jobs

nevada insurance department jobs

""I'm 57, am learning to drive a car, will need the best and cheapest car insurance, how will I know which is re""

i just want to be able to drive my car, and know there is help there for me, when and if I ever need it, without all the hassles of being stranded. Am in the process of checking out AAMI, RACT. Comprehensive for a first off driver is about $859 a year!! would i be better to Join RACT emergency on road assistance AS WELL AS taking out fire and theft third party insurance separately? I will be about the only driver, with a friend or two......is this the best cover for me? Say...for 1,2 years until I build up a reliable record? enough then to qualify for cheaper comrehensive insurance car cover?How will I know what is really the best for me?""

""On average, how much does a speeding ticket cause insurance to go up?

About how much would a speeding ticket for 85 in a 65 make your car insurance go up?

What to do when someone has an accident in your car...no insurance?

A friend took my car without exactly having my permission (had permission to drive, but not where the accident took place). We are in WI where insurance is not required so our lapsed (bad move on our part, but we are past that now). The friend was at fault in the accident and our car is badly damaged although the other car was not...what do we do now?""

Need help with car & insurance (Just starting out)?

So I am 18 and want to move out of my mother's house because of reasons I shouldn't mention. Not because I am some spoiled teen looking to do what ever I want. But are you willing to help me? My question is: How do I get my liecense with out limited insurance or a car? How do I get insurance without a liecense or a car? How do I get a car without a liecense or insurance? This is the vicous cicle D: How can a new adult jump out into the world when my mother isn't willing to help me? I have a stable income. I just need some advice.

Is paying around $300.00 a month total for driving my truck to much?

I pay about $50 for insurance and about $250 in gas. I have NO truck payment! So my total cost every month is around $300 total for EVERYTHING for me to drive! Is that a lot? or to much? Thanks!

Farmers Market Liability Insurance?

My girl friend and I are starting a new company that would sell smoothies and baked goods at Californias farmers market and it is our understanding that we need 100,00.00 liability insurance coverage to get into most markets. My question is how much on average do people pay for this and would the cost be different if we were to go under the cottage food act? Any information or suggestions would be appreciated. Thanks""

Car insurance for 17year olds? ?

Please answer this question for my cousin: I'm 17 in november and I'm planning on taking my theory on my birthday and the practical 3/4 weeks later because I can already drive well but before my practical I just want to have 3weeks worth of lessons on the road with the public instead of friends cars and stuff. My mum has said she will help me buy a car but when I look at insurance quotes they are very very expensive. I wanted to put my long term boyfriend who I live with during term time on my insurance policy so he can drive it as well. He has his own car but he is thinking of getting rid of it soon. He has been driving for 3 years and is 22. Is it cheaper just to have myself on the policy or with him on it too? What cars are nice (no old fashioned ugly cars) are cheap to insure for a 17year old girl?

What is the average price of car insurance for a Volkswagen gti mark 1?

First time driver soon and my mum promised to buy one for me as a first car

How many of you own a Life Insurance Policy and for what amount.?

Are young ppl thinking about life insurance?

How much will insurance go up with 2 points on drivers license in CA?

Im from California. So I have 2 points on my driving record how much will the insurance go up? I work for a company as a driver. They have The Hartford car insurance. Thanks.

I live in SC and I need to get my own Insurance Policy to buy a car. ( I'm 17) Can I get coverage alone?

My Parents don't want to add me to their insurance because we have several vehicles already and adding another car and a teenager will cause their insurance to be even more outrageous. Can I get my own insurance policy without effecting my parents at all? (With their permission of course.)

Cost of liability insurance for medical doctor?

What's the average cost for a private physician's liability insurance? What tips and advice do you have for someone starting a private practice?

Range Rover insurance for a young new driver?

A friend and I where having a debate about whether or not, a new young driver could actually get insured on a brand new Range Rover? We decided to do some research on the subject and we have seen many cases where for example Andy Murray paid 100,000 to insure his Ferrari shortly after he passed his test. Can anyone provide and examples or rough estimates on how much it would actually cost to insure a new young driver on a Range Rover or if its even possible?""

What cars are good/affordable for first time drivers+ about how much would the insurance be for that car?

im wanting to buy a second hand car but want to know if i can afford all of the costs etc...so i was wondering if i could have any suggestions on good affordable cars, and an estimate on the insurance cost.""

Car accident question and if I need to report to insurance company?

Ok so here's the scene, I'm backing out of my driveway from my garage. My friend parked his car at the end of driveway (he was leaving but parked there to answer a phone call). My driveway is a downhill so when I backed I couldn't see his car there. Anyway, I backed into his car and caused a minor scatch. Unfortunately, his car is a new BMW and he needs to fix it. The police came and said it is under $1000 fix and it is up to us if we report to our insurance company or not. So now I am waiting him to get a estimate to fix. What do I need to do? I guess it is my full responsibility since I am moving and he is still. If the fix fee is under $1000, do I need to report to my insurance company? How much does the insurance usually increase due to this kind accident? thanks

Can Drivers under 18 without a car drive with their parents insurance?

I just got my drivers license and I don't have a car. Im not 18, and i don't think i will be driving enough to have to need a car, or to pay insurance every month. But if ever ...show more""

Does Florida auto insurance have some sort of new windshield coverage?

I need an arguement solved. i was on interstate and some rocks/debris flew off truck in front of me and damaged my windshield. everyone keeps telling me that my insurance will cover the windshield to be replaced but I do not see this in my policy at all. I only carry the basic minimum needed to insure car. Is there something I am missing or does anyone what these other people are talking about? I do not carry comp or collision.

What are the steps needed to sell health insurance and/or become a broker/agent in Minnesota?

What are the steps needed to sell health insurance and/or become a broker/agent in Minnesota?

Car insurance?

My husband and I are planning on getting a new car and we're looking through auto-trader.com and finding a lot of good cars but is there a website you can go to to calculate how much the insurance of each car to help us narrow our decision down?

How much is insurance for the Acura RSX?

I really want on badly but I'm concern about the costs. I am eighteen year old male and this will be my first car. I just got my license as well.

""No vehicle, Need SR22 Or Non Owners Bond? Ohio.?""

Situation- September 2009 I got my license suspended due to an OVI. I live with my parents whom own vehicles but I do not have one in my name. I am in the military, and my mother is ill. Both need me to get my license so your information is much appreciated. I want to get my license reinstated so I can drive my mothers vehicle when required. I am not sure where to get a non owners bond, or the correct SR22. I have called insurance companies and they say they cannot help me. I know I need to pay the reinstatement fee and provide proof of FR. Does the Non owners bond count as FR. Can I drive legally with it or do I need an insurance policy on top of that. Thank you for your help.""

""On average, how much does car insurance cost for a 17 year old male?""

Dear reader I am a 17 year old male. I am searching for car insurance once I get my driver's license I will be required to pay for my own car insurance. I want to get an average cost (monthly) for someone my age- regardless of the company I am not sure what factors play into a policy's amount- however, if it does matter, I am a straight A student with a 4.2 GPA (scale of 4.0)- I have never been convicted, nor prosecuted for a felony or anything of that sort. To sum up, I am quite responsible for a male my age. Please do not be rude in your responses I appreciate your help PS. the car that I would be driving is a Toyota Camry 2005 (all paid for). I also live in the state of MD""

Suzuki swift insurance for 17 year old? (UK)?

a 1.3 is insurance group 4 and I dont know how much that would actually cost? for a 17 year old please dont say too much or too hard to say I just need to know the range of how much it would cost to insure e.g. 3000 - 4500 Also im not 17 yet so I cant get insurance quotes. 10 points to best answer.

Where can i get a car insurance policy which lets me drive any car including hire cars anywhere?

i have a normal car insurance policy in the uk which allows me to drive my own car in europe. i want a policy which allows me to drive other cars anywhere in the world

How much does it really cost to own a Porsche 911 Carrera 4S in California? MSRP is...?

...$88,400. What other costs are there? http://www.porsche.com/usa/models/911/911-carrera-4s/ I am trying to own one of these. Just wondering what's is in store for me (i.e. tax, ...show more""

nevada insurance department jobs

nevada insurance department jobs

I need health insurance?

but its hard to find a job that will provide it because I am in school and need the job to work around my schedule. Can anybody suggest health insurance I can buy out of my pocket ...show more

Insurance on a cbr 600rr for a 20 year old in California?

Ive had my normal license (California) for 3 years and just got my motorcycle license. I am looking to buy a street bike, a sport bike specifically. I've looked at all the sporty bikes from 250 to 1000 and I plan on getting a 600 because I've been riding dirtbikes since I could walk so I know I'd get bored of a 250 but at the same time I know I'd kill myself on a 1000. I have a clean driving record aside from one speeding ticket(wasn't even speeding horribly) and a couple parking tickets. So what I'm ultimately trying to figure out is what the cost of my insurance would be and what insurance provider would give me the best coverage on my bike. I know I plan on getting liability since it is cheaper but any and all insight or examples would be very helpful. *people on yahoo love to hate on questions, so if you're one of those poeple, don't even comment. I know how bikes work and I've ridden them before, just need advice on insurance. Thank you!!""

How can I get US health insurance for my (non US residents) parents (in late 50's)?

This is both an Immigration question and a Health Insurance question. My parents will start living in the US several months a year or more as legal visitors to live with us until they get green cards and can move here permanently. They are close 56, 59 years old. How do I go about getting them health insurance so unexpected health concerns don't ruin them, they can get their prescriptions filled w/o paying an arm and a leg, etc? Are there specialized US insurance companies that offer insurance to non-residents that's worth anything? I don't need the gimmicky travel insurance that won't cover anything or require outrageous deductibles and paperwork sent to some tax haven country ... I need a reliable US insurer who can be found, operates under laws of US, has customer service who can explain their policies, etc.""

Insurance rates and quotes?

hi im Robert, im From the MD NJ NY areas. lived mostly In Maryland and central New Jersey my life im 19 i lived in florida for a little over a year. wanted to stay but the Economy has done its toll on me and my bank account & Loosing a job there but back in MD i have a new job and also an opportunity to work out of the Baltimore Office or the Freehold NJ Office. i know when my father had an Courier delivery company he paid Alott and out raged prices to insure his trucks. and even paid 950 a month for one car in staten island NY. which was the place we lived for time. but anyways. i have a chevrolet G2500 Express Cargo Van that i do nothing really but commute and put tools in for side work and remove trash and stuff. and take on road trips because i can turn it in to a RV within 30 minutes and hook up a genertor. its pretty cool. but thats in-material, so anyways. i don't want to Pay through the Nose for Common/Average Car/Truck insurance Any Answers or suggestions will be glady Appreciated! Thank You!""

Supplemental health insurance provider?

Does anybody have supplemental health insurance? Do you know of a good provider? I have never heard of it, my Mom was telling me about it. I looked and I found some places that said quotes for supplemental health insurance. but when I filled out the info it seemed like it gave me a quote for regular health insurance plan not supplemental health insurance. My health insurance I have through work has a high deductible so i am always paying out of pocket for I have not met my deductible.""

Question about car insurance?

I have divorces parents. one lives in philly and one lives in collegeville. I'm 18 and I'm shopping for car insurance and obviously it would be cheaper to be on my dads in collegeville. I live with him part time, so if i changed my state address to his, would I be able to go on it?""

""There have been caps of $250K for healthcare lawsuits in California for years, and insurance premiums didnt?

....go down one cent! If fact they are still among the highest in the country. How will this help reform healthcare according to conservatives? When in fact all it does is funnel more cash into their Wall Street supporters pockets?

How much can i expect to pay for storage insurance?

I plan on getting a street bike, and sitting my truck. I pay 1400 dollars a year for full coverage right now.""

Is this true about insurance?

i recently tried to tell my insurance agency (freeway insurance) in california that i want to remove a vehicle from my plan. however, they told me that i would still have to pay them the next month regardless because its a law or something. is this true? and can they really charge me a serivce fee for something like that? Thanks in advance!""

Health Insurance For Full Time College Students?

I overheard another student in class talking about how she gets free health insurance coverage because she is a full time student? Has anyone else heard of any programs or companies that do that? if so can someone give me some links to the sites of those companies? (Because since im no longer in the class with the girl, i cant get it from her)""

What is the cheapest car to insure for a 17-19 year old guy from the UK in 2013?

I'm 16 and will be taking my test next year and I want to know what to get for my first car?

Need a quick answer on car insurance?

My first question is, if your car is hit and the other insurance company admits fault - aren't they supposed to come meet YOU to assess damages? Secondly, is an insurance company allowed to deny you whats owed after already admitting fault and after already getting an estimate from a body shop? How do I prevent them from low balling me?""

Should I accept a $500 settlement from an insurance company for a stiff neck suffered in a car accident?

I was a passenger in a car accident two weeks ago. My only injury is a stiff neck. The insurance company of the at-fault driver has offered me $500 to settle. Should I accept it or fight for more (for example, by threatening to sue)? Should I see a doctor and bill the insurance company for that, even though I wouldn't normally see a doctor for this injury? I'm not really concerned about the seriousness of the injury; the pain will probably go away eventually. I just want to get the amount of money I deserve.""

If my parents have insurance under all three of cars and I want to drive...?

Do I have to purchase a separate insurance or do I just add my name under theirs? I just wanted to know how much would it cost for me to drive per month or year. I'm 20 years old and I've had my license for about half a year now.

Total lost car INSURANCE?

I own a 1997 dodge intrepid std 4 dr sedan 6cyl gasoline 3.3 liter 4 speed in fair conditions cd player no rust with 197,242 miles. My car was was in a hail and tornado damage where the hood has a dent and the driver and passanger side have dent and the trunk. I have full coverage insurance and they telling me that my car was total last i love my car and i spent alot of money fixing it and it drives great no problem. So I was trying to get some help from some one that could tell me how much is my car worth so they wont give me less money and if they offer me less what could I do. I am not trying to bew greedy but i do love my car and spent alot of money on it. I would rather get it fix . PLEASEEEEEEEEEEEEEEE HELP ME""

Classic Car As A Daily Driver In Michigan?

I'm a hot rod & kustom guy, have building and restoring old cars for awhile now..love the looks of em and the feeling I get driving them, I'm opening up my own shop soon too. I drive a 2001 Grand Am GT and it's about to die 190,000 miles needs tires, brakes, bearings, engines making noises but for the price I paid and miles I put on it, it worked well. Now I need a new daily drive to school 72 miles round trip 2-3 times a week. I live in Michigan, was wondering what it would be like to drive an classic car as a daily...say a 1958 Chevy Bel Air with a 283 motor...the insurance is cheaper, easier to fix and find parts..but may be more in gas...just wondering if anyone drives a classic everyday and how is it in the winter...I'd have to figure out heat some how. I have many cars 1968 Caddy Deville on air bags, 1930 Model A Coupe hot rod, 1951 Mercury custom, 1956 Cadillac Deville...etc""

Are there any penalties for tricking your car insurance company?

My friend has been living & working in NYC for the past 5 years, but she's been telling her car insurance company that she never moved from Georgia to keep paying low rates and she never changed her driver's licence from Georgia to NY. But she drives her car here in NY every day so how did she manage this? If they found out would she get fined or anything?""

How much would it cost to rebuild my townhome ? an Insurance quote question.?

I am buying a townhome for 215K and it has a association which has insurance to covers outer part. As home owner I need H06 policy to take of interior and my personal property. I am closing next week and need to buy a home insurance and whenever I am getting quotes everyone is asking me what value you want for home replacing coverage to be. They are asking home much would it cost to rebuild my townhome, how would I know this. Here is the scenario: Its a PULTE built 2004 construction and was sold around 300K in 2004 for first owner, now since prices have come down I am getting the townhome for 215K.(3 bed, 2.5 bath,2 car garage,basement, 2 story,2000 Sft.), its in Chicago suburbs (Schaumburg IL). So how would I know how much would it cost me to rebuilt incase of a full fire damage to the home, since I own the land I can reconstruct I guess. Any approximate dollar amount as how much would it cost to rebuilt ?""

How much is this car's insurance..?

Iam 22 male (Married) and have a squeeky clean driving record. I am in the market for a new car and here is a list of the cars I am considering. If you could tell me which one would have the lowest cost for insurance (Full Coverage) that would great! -2005 TL acura -2005 Mini Cooper S -2007 Civic 4 door Si Thanks.

Car insurance under my parents name w/o parents being present?

Hi, i live in Miami and my parents are currently out of state. I just bought a car and i need insurance in order to get the title. I was wondering if i can go under my parents insurance without them being present or if i can do it over the phone? also the car is a honda civic ex 99 and i am 19 years old. Its my first car and i have good credit, i am a university student with very good grades, and have not had any tickets or gotten into any car accidents. About how much will my insurance be? and would it be cheaper to be under my parents name, which i might add has been in a lot of car crashes, had a lot of tickets, bad credit, and jus has bad history, or would it be cheaper to just get it on my own??? thank you!!!!!""

How to terminate my insurance policy?

i've 2 policy insurance, life policy & investing policy. now i have finance problem, i really cannot afford the premium. so i want to terminate either one of these 2 policy. if i terminated it, can i get all back my premium that i've paid during this few years?""

How much does a new camaro 2010 cost?

And how much would minimum insurance on one cost? I would be willing to get a white one if it meant lower insurance costs. Thank you and god bless!

""I got a wet reckless, and filed the SR-22. What happens if I cancel my insurance?

The California DMV says you have to maintain proof of financial responsibility (car insurance) for 3 years after a license reinstatement after a wet reckless charge. What happens if I cancel my policy and change insurance companies? What happens if I just cancel my policy and just don't choose to drive?

Car insurance help!!!!!!!?

how does the car insurance work if your car was stolen but had full coverage

Short term health Insurance for my parents who coming to California from China ?

My parents are coming to visit me (California) from China. They plan to stay in U.S. for 6 months. They're 67 yrs old, my father has Diabetes (not so serious) and my mother is very healthy. I'm thinking to get a short term health insurance for them just in case they need to see a doctor. Since it's the first time they come to U.S. they have a visit visa, I'm US citizen. What insurance I should get for them? Thank you very much for your response in advance!""

nevada insurance department jobs

nevada insurance department jobs

https://www.linkedin.com/pulse/whats-best-car-insurance-company-2-get-lowest-price-rates-ethan-moore/"

[generouslyteenagealpaca-blog]

I need to know where i stand with insurance?

"I need to know where i stand with insurance?

basically a guy drove into the side of me and my car is in the garage awaiting assessment to see if its to be written off or fixed. of course the insurance wants whatever is cheapest and its looking like it would be cheaper to write it off. if this happens can i   1. offer to pay more on my excess to get it fixed?   2. get the car picked up and pay for it all myself to get fixed at my own mechanics?    its not that the car isn't fixable its just that the insurance is looking at the cheapest option, which looks like writing it off, because my excess is so high, but if they do this i will never be able to afford the insurance, so would rather keep this policy and fix it,   anyway   is this possible and can anyone find a loophole?

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

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I was with State Farm and they suddently raised my insurance from 87 dollars (this is liability and renter's insurance) to $117 to 200+. I was never able to pay that amount at once seeing as I am a student with a part time job. I have recently been looking for a new insurance company and notice they are asking about lapses in coverage. I have not had car insurance (and not been able to drive)since December 10th. How will this affect my next insurance rates.

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Insurance and tax for a corsa?

im looking at buying a 06 (56) Vauxhall Corsa 1.4i 16V SXi 5dr for a 1st time car and was wondering how much would insurance, tax and a MOT usually cost for this kind of car?""

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Motorcycle Finance Rates??

Can anyone tell me what a good rate on a motorcycle loan would be? I am thinking about buying a new Yamaha motorcycle and it looks like the best rate they can do is about 9% which seems a little high? I still hear about people getting car loans for about 5%, are motorcycle loans usually higher for some reason? I think a signature loan from the bank might be a better way to go because I think I might be able to get a better rate plus I wouldn't have to have full coverage insurance.""

How much is car insurance for 16 year old boy in FL?

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ok ive pased my test and i gettin a car this week and i need some insurance on the car obviiously lol, well basically whats the cheapest car insurance all you 17 year old have and who is it with, please :)""

Can I get auto insurance through another company if I owe on another insurance company money?

I lapsed on my old insurance policy and do not have the money to pay it off. My registration expires tomorrow and I need insurance in my state to register my vehicle. Will another company insure my vehicle if I still owe money to another insurance company?

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Im 17 and i live in London. I just go my Licence and i have a 2k budget for a car. And my dad said he is going to pay for insurance as long as it is a max of 3k So far the cheapest quote i got was 5k for a VW Polo 1.4L Petrol. I want a diesel car because, my dad said he will pay for it. So need help deciding what car to get, and how to get insurance up to 3k Please help guys""

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I trying to plan how much money I will need for a car. Its a 2000 truck. I am 17 and have had no accidents or tickets. I get a good student discount and took a drivers ed class. Sharing my moms car (a new SUV) made her insurance go up $70 a month. Do you have an idea of how much it would go up if I got my own car? Thanks!

What is the best affordable Health Insurance in Las Vegas I'm 24 and don't have any medical conditions ?

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i am trying to get my boyfriend insured on my car for 1 week. there are many companies that do tempoary car insurance but i have been told that you can not have 2 policies on one car? i have Fully comprehensive car insurance but my insurers will not insure both of us on my car as we are under 25 so if i went with another insurance company who specialises in short term cover would this cover my boyfriend on my car?

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My renewed 6-month policy has increased by $120 for seemingly no reason. Haven't had any wrecks or tickets. I called geico to inquire, and was told that all rates in Texas have increased. Have other insurance companies rates increased as well?""

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Seventeen in a couple of months, and naturally want a car. I know I am going to have to get something small and low-powered, because I am a male and live in a part of England usually on fire. I also know what the insurance criteria are (Age, Where you live, where the car is parked, what you use it for, how often you use it etc..) I don't particularly want to be done for fraud, so no fronting please. Just wondering if there is any way to lower the cost of insurance? Don't mind driving a van, car etc. etc. (Not a motorbike..) Probably pis.sing in the wind trying to get a loophole, but I don't want to fork out 3k to insure a Citroen AX/2CV6. Any help/advice greatly appreciated.. :)""

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How can i get insurance for free during my pregancy? I just found out and i have no insurance?

who can i call to get insurance because im uninsured right now?

Where can i get some health insurance @ a reasonable price?

I'm need health insurance my income is very low.. where can i get health insurance at a reasonable price?

Affordable health care?

Does the affordable health care act say that as a family member of a state emplyee I can't be on my wife's insurance after she retires ?

I need to know where i stand with insurance?

basically a guy drove into the side of me and my car is in the garage awaiting assessment to see if its to be written off or fixed. of course the insurance wants whatever is cheapest and its looking like it would be cheaper to write it off. if this happens can i   1. offer to pay more on my excess to get it fixed?   2. get the car picked up and pay for it all myself to get fixed at my own mechanics?    its not that the car isn't fixable its just that the insurance is looking at the cheapest option, which looks like writing it off, because my excess is so high, but if they do this i will never be able to afford the insurance, so would rather keep this policy and fix it,   anyway   is this possible and can anyone find a loophole?

How much will my insurance increase after I got a DUI?

I'm an 19 y/o male. I already know I made a bunch of big mistakes in my life, I just want to know how much this portion will cost.""

Is having health insurance really necessary?

Do I need it to survive if there is nothing wrong with you/me?

Will my insurance go up a lot?

I got into a fender bender in the parking lot at the mall yesterday I reverse parked and i was pulling out and I couldn't really see because a huge hummer was parked next to me I drove up a little bit to see, and a big van that was driving fast just hit me I don't exactly know whose fault it was, but I'm only 16 and I got my license a week ago And I drive a 2012 Honda civic Will my insurance go up a lot? I didn't get a ticket but I have a huge dent that's the size of a basketball on the front corner of my car And my hood is bent a little""

How much is my car insurance?

Im 17 i want a vw golf mk4 tdi, it will cost me for the car 800-1600, i wanna no how much is the car insurance""

Car insurance for Audi A4 Convertible?

Personal Detials: 17 years old Male Living at home Car to be stored on driveway Car details: Audi A4 Convertible 2003 insurance group 31-ish How much would it cost for insurance for this?

What would my insurance be for a kia forte?

him im 16 im a male i want a kia forte lx all black, it would be my first car what would my insurance be""

How much is car Insurance in Ireland for me?

I want to buy a 1.6 1998 civic type-r (11000), but am worried it will cost too much to insure. I can get insured on it as a named driver if needs be, but would prefer my own policy. I'm 22 with a full licence for 2 years and have 5 years named driver experience with nothing on my record. Where's the best place to get a quote? And if I do how much do you think it will be? (ballpark)""

First time insurance on following cars?

im 17 and looking for my first car at the moment as i just passed recently. ive looked at a few but when i do insurance quotes on the net i get some crazy quotes like 5000 for a 2004 fiat punto 1.2. i no insurance is expensive for first timers and being a male, and 17, its even more. however all my frineds who have cars pay way less, eg my friend also 17 and first car has a 1.6L vw polo 1998 and he pays only 1,500 also another has a 2004 punto 1.2 and pays 1,700. another has corsa 2005 1.4 and pays about 2000 all above are fully comp and with them as first and only driver on policy. who is the best company for my age and experience group. also whatinsurance prices can i expecct for following cars, if you know or have one etc.. live in a good, low crime area and it will be garaged at night so insurance should be lower with this. corsa polo punto clio 206 fiesta all from about 2000- 2005 plates thanks""

Will my insurance cover Invisalign?

My doctor recommended me using Invisalign cause i have 2 crooked eye teeth (not bad...) and my insurance covers 90 percent of what i get done. But wouldn't Invisalign be under cosmetic?? So my insurance wouldn't cover it... Just wondering if somebody might know the answer to that...

Insurance not paying a claim!?

Boy this is a good one & I don't know what to do Next! I went with the Lizard insurance even though they are Snakes and don't want to pay for any Claims! It started in 2010 with my truck, I took it to where they told me and they only paid for cosmetic damage even though there was a lot more including my steering was so bad I had to stop driving it. I wanted to take it to a shop that I had my truck lowered which because of we're I lived and the shop was I couldn't drive it, 65 miles. I had AAA tow it to my new house and from there after 2 years of not driving my truck they agreed to have it towed 7 miles to the shop. Well I told the claims adjuster what was wrong, he told me I needed to write a list and drop it off at the shop so I just got my Chopper back from the shop and went down to where my truck was a wrote a list of what I thought was wrong. Here is where the first of my troubles started, on the way home I am riding on the freeway and a truck to the right of me had a blow out and a Giant tire flew right in front of me, I couldn't do anything other than to run it over. It happened so fast, I hit it and made a brown spot in my shorts, jk. I then noticed smoke coming from my Chopper, it was Bad so I pulled over and noticed that my tail light was knocked off and caused some damage and the bold that holds my tail light on came off and rubbed on my new Avon 250 tire and Melted the side wall. I was able to ride home and once I saw all the damage I knew it was a problem. I called the Lizard and made a claim. The claims adjuster called me and said he will be out that Saturday, so saturday came and I never heard from him, I had his number and left a message, so this went on until Thursday and I called the lizard again and they transferred me to the AH boss and I left him a voicemail. Well I didn't hear from him as a few more days went by so Called back and got his boss's boss. The next day I got a nasty voicemail from the claims adjuster bitching at me. I called customer service and told them he went off on me and they can hear my voicemail too but no one listened to me. So I was told to call his boss, I said then I don't want this claims adjuster to come out, I don't want to speak to him or have anything to do with him. They were so sorry and said they totally understand and later that day the big boss called and I told him I hadn't heard from the adjuster other than a nasty voicemail and I want someone else to come out and not him. The boss said I understand and he will take care of it. So two days later the rude claims adjuster showed up at my house to take care of the claim, I was shocked it was the AHole I didn't want to come out but his bosses boss told him he better get out there and take care of this. Well once he was there, he wasn't as nice as he had been and couldn't be more rude than he was. I told him what had happened and the Damage, all he said was Prove it, Prove it, Over and over with everything I showed him. It caused major damage to my shocks and front forks, he laughed and said they are designed to roll over things and that it couldn't happen from hitting a tire in the road, well it can because that's exactly what happened. He was such a AHole I said, why did you even come out, did you just come here to be a @ss Hole or what!! He didn't say a word and just left. They paid out just a little for damages to the paint, tail light and the tire. The tired was new and cost 500 but they paid me 100 bucks for it. Mean while my truck is at the shop still to get looked over for the damage and they didn't pay a dime and the worst part was when I got the truck back from being towed, I started after the tow truck drive let it down and it sounded funny, then I smelt burning plastic so I opened the hood and my entire air intake system was gone!!! The burning was th vacuum hoses laying on the headers. I called the shop where my truck was and they said they are not sure what's going on but to call back. Well they are no longer in business and I lost all that so I called and opened a claim, now they are investigating me over this. So I have damage from 2010 that has never been fixed, my bike isn't right and someone had stolen my Volant cold air intake that's not being taken care of. What do I do? This is BS, I don't deserve this from my insurance Company and for them to treat me like they have, not pay out the claims. I needed my truck smoged Dec 31st so because all the parts to have it smogged weren't there I couldn't have it down and I have a ton of late fees with the DMV in California. My Volant is smog legal, I have the Ca numbers for it but it doesn't matter, I am getting the run around like no tomorrow. I will Drop GIECO and go with Farmers but not until my truck and bike are fixed. I have called everyone I could at Geico and no help!""

What is an affordable health insurance that I can apply for in Southern California?

An affordable one. I can't seem to find one. I was layed off my job but my cobra will be too expensive is there anything else out there. I tried kaiser but its like 220 a month for just me.

Car Insurance (No car)?

So this might sound a bit dumb, but I was wondering what are the steps to getting car insurance before you own a car. The problem I have is I am afraid of wrecking the car on the drive home from car lot and not having insurance!""

Health insurance for my to be step son...?

my boyfriend wants to get his son health insurance but not himself. I think he should insure both his son and himself but he doesnt want to. He wants to wait until we get married and ...show more

Another question about health insurance?

alot of people are angry that they have to have health insurance unconstitutional etc.but arent we suppose to have car insurance by law if drive?

Temporary car insurance...?

I'm wondering if it's possible to insure a car for about a week or two. The hypothetical plan is to buy a cheap car for a relatively short roadtrip, drive it for a couple weeks, then sell it. I figured this would be cheaper than renting, but once I considered licensing and insurance, I'm not sure anymore. Any suggestions, facts, and ideas would be appreciated!""

Why do people ask yahoo answers about car insurance quotes.?

When its so much quicker, easier and obviously more accurate to either call insurance company or do an online quote.""

If I'm on someone else car insurance am I liable?

My old boy friend put me on his car insurance so I could drive his car. We are no longer together. If he gets in an accident could I get sued? He has nothing, but I do.""

What is the CHEAPEST Motorcycle Insurance?

I want to buy a fairly new 02 or newer used Crotch Rocket. I have had 3 tickets 2 in 2008 & one in 09 for speeding you know 65 in a 50 stuff like that. Well my insurance will only drop from this point as I have driven the Speed Limit Respectively & will continue to. Well I called my State Farm agent about it & they said it would cost over 400$ a month that is WAY TO MUCH How can I buy a bike & save A LOT on insurance whats the best company? Any advice would be appreciated I turn 20 On July 11th. Please help me I am sick of my car I want a BIKE!

Can anyone tell me any health insurance companies that cover fertility treatments ?

i haven't started fertility treatments yet so i have no prob going to a new endocrinologist, gyno or clinic ect - because they will be new either way ! of coarse a insurance that covers the most fertility treatments would be best but just tell me the name and what treatments if any that you know they cover ( thanks in advance)""

How much it cost for normal birth delivery in california without insurance?

How much it cost for normal birth delivery in california without insurance?

Insurance esitmate for 2 door vauxhall corsa?

Im 17, and im planning to get a vauxhall corsa, estimated insurance prices please?""

Is there affordable insurance that covers pre-existing pregnancy?

My friend lost suddenly in a car wreck a couple weeks ago. Days later she found out that she is expecting. Cobra coverage through his insurance company is over $600 monthly. She is having a hard time finding insurance with her pre-existing condition. Does anyone know of an insurance company with reasonable rates that would be willing to cover her?

Insurance!!?!?!?

So , i live in England , and my neighborhood is like really nice ! ( Houses are like 300000 pounds) , so like my car would be parked in my drive with a gate closed , and it is in insurance group 7 and it is a convertible ( renault megane ) 2006 one how much would i be paying around if i am a driver under my dads name on the insurance and i have had my license for around 6 months and i have had more lessons than needed when i took lessons?""

Is car insurance absolutely needed for a car?

I will be purchasing my first car sometime this year. I don't know anything about insurance and I'm really not knowledgeable when it comes to things like this. So my question is, is car insurance a requirement when owning a car? Do you need it? Is it expensive and how does the process work? Cause I'll be getting my first car soon and I don't really know insurance plays a role in all of this.""

Cheapest Auto Insurance??

I am presently using Allstate for my 3 cars... an Acura (let me rephrase that..2 cars the Acura was totalled in Sundays car accident) The Infinity and the Nissan..the rates are about $ 3000 for 6 months for all 3 cars..now 2) full coverage all inclusive insurance.. Are there cheaper companies out there ??? Who do you use? I live in N.Y.. Allstate has really always been there for me I just got a nice check from them for my daughters car...Do you think i could get a cheaper company???

I need to know where i stand with insurance?

basically a guy drove into the side of me and my car is in the garage awaiting assessment to see if its to be written off or fixed. of course the insurance wants whatever is cheapest and its looking like it would be cheaper to write it off. if this happens can i   1. offer to pay more on my excess to get it fixed?   2. get the car picked up and pay for it all myself to get fixed at my own mechanics?    its not that the car isn't fixable its just that the insurance is looking at the cheapest option, which looks like writing it off, because my excess is so high, but if they do this i will never be able to afford the insurance, so would rather keep this policy and fix it,   anyway   is this possible and can anyone find a loophole?

Which auto insurence is the cheaper?

i whan insurance may car but which one is cheaper

How to get a cheaper insurance premium?

In the UK am i able to put down a much lower value than the actual value of my car just so that i can get a lower insurance premium? Given my situation i would much rather pay for a new car if i crashed or pay for repairs myself if anything went wrong.

How much would my insurance be is I have 4 points against my license?

I gotten 2 speeding tickets within 6 months (4 points in south carolina...I have a good reason to be speeding!)...I am currently uninsured but my vehicle (2000 Honda CR-V) is insured under my mom's insurance with Geico... I'm 19 years old and soon I will have to register my own vehicle and get insured...my mom doesn't know that I have tickets. I go to college and I'm a pretty good student (4.0) would I get a discount with that? Also, what is the cheapest insurance? Thanks!""

Car insurance?

i currently have a car and am insured fully comp on this. my partner is about to purchase me a new one but as i still own the other one i'm not sure what to do about insurance. i'm tempted to take out another policy with a diffenret company for fully comp and run them both until i sell my old one. any suggestions

""Good,affordable car insurance for 19 year old !?

Ca..

Need help with auto insurance!!!?

Hello everyone. I'm from Sacramento/Elk Grove, California. I'm currently insured with Bristol West Auto Insurance for the past 3 years. I'm planning to switch auto insurance because it's really really hard to get a hold of customer service. And when you do, (after 1 hour of holding) they'll put you on hold some more, or even tell you they'll call you back. Which they never will. My point is BW customer service is very very crappy. I need help choosing an auto insurance company that's reputable but yet affordable. Considering the fact that I have an SR22 on file, low rates is my main focus. The lower, the better. I'm planning to insure 4 vehicles (1 is temporary until car get smogged) and 3 drivers. We all have good driving record, inspite of my dropped DUI case. Three of the cars are years '91 and under. Mines is a '98. If anyone have any information (site/link/etc.) or knows any good auto insurance company, please do let me know. Thanks in advance and any input in greatly appreciated.""

Where can kidney patients get affordable life insurance?

Life insurance for kidney patients.

19 year old female just passed driving test. need cheap insurance quotes. is anyone else in the same situation?

i am a 19 year old female and have just passed my driving test. i know the insurance quotes i get are going to be expensive but does anyone know who is best to go with (cheapest) and is anyone else in the same situation? Thanks

What would my monthly Homeowners Insurance premium be?

For a home in Lapeer, MI 48446. The House is 1600 Square feet, built in the 80's. I was told on Yahoo!'s calculator I would need around 180,000 worth of coverage, but I dont know how to compute that into a monthly payment. Thanks""

What will happen If I appear to court with NO car insurance?

I recently got pulled over for speeding. But the officer discover that I didnt have any car insurance. I got a court date to attend but dont have any money to pay for insurance. What will happen if I appear to court with no money for the speeding ticket and no insurance? HELP PLEASE.

How to get cheap car insurance?

i want to know that how to get cheap first car insurance in u.k?

Auto Insurance when buying New Vehicle?

What is procedure on obtaining Auto Insurance when you buy a new vehicle and have no present insurance account setup? Does dealer offer temporary insurance until you can get quotes from a few companies?

Car Insurance Claim for a respray?

My Ford Galaxy 1998 has lots of scratches all over the body work. Some are malicious where someone has keyed the car, others are from where a car has parked next to me and scratched mine, but the most recent one is from when i reversed into a pillar and scratched the back end. The question i'm asking everyone is am i able to claim on my car insurance for the malicious scratches? For the damage done by another car that i didn't report? And also the damage i caused? I have 6 years no claims bonus (protected) will it be affected? and an excess of 150. Am i able to make a claim for all the damage or will i need to pay where i have damaged it? Any advice please.""

Where is the best place for cheap insurance for a 100cc scooter in northern ireland?

age 26, honda scv100 lead 2007""

Car Insurance Liability who should pay?

My friend was driving my car. We were going to a marketing research session where we were both to make 125.00. I figured my car is nicer, I like a/c and she doesn't like to turn a/c on to save gas so she drove my car. Afterwards, we stopped at Taco Bell and in leaving the parking lot she hit a STATIONARY pole outside of the entrance way which was put there so the box trucks don't hit the overhang of the building. The pole was on the left hand side which means she should have been further over in the lot coming around the corner cause its a 2 way in/out and she hit it on the driver's side which means she was on the wrong side of the road. My car had 6000 of damage. MY insurance is covering everything except my 500 deductible. She wants to pay 250 instead of the 500 and have me go after taco bell for having the pole there. There is no law saying they can't have the pole there and I do not need the grief. Is she responsible for the 500?""

No Deposit Car Insurance Companies?

Hi, I'm looking to get a car in a few months time but i am young so it's going to be really expensive. Even for a insurance group 1 Vauxhall Corsa it's like 2400-2600 and then they've got the cheek to ask for a 500 deposit so it's like 3000 for insurance. I'm sure you never used to have to pay a deposit it's ridiculous. Does anyone no any companies that offer no deposit car insurance? I did find one website that said MORE THAN don't want a deposit but everytime i try to get a quote it says sorry we cannot offer you a quote. Please help, Many thanks.""

Does Lowest Quote Wins really lower your insurance to $15 per month?

I saw one of their ads on a car today and was obviously intrigued. How legit is it?

Anchor general insurance?

ive made a claim on my car 2 weeks ago. an adjuster came out to take pictures of my car last week on wednesday. i havnt heard from them since everytime i call my insurance and they transfer me to claims i end up waiting 30 mins plus just so they can drop my line. im wonderinf if they are even gonna get back at me? should i keep calling them has anyone had any problems with anchor general before?

Does 1500 seem ok insurance?

ive got multiple quotes for 1st car 1st year driving. its going to be a 1.1 pug 106 independence and have been quoted 1500 is that reasonable? how much did your 1st car insurance year cost you? im 23.

Buy life Insurance gauranteed acceptance?

Buy life Insurance gauranteed acceptance?

Can the insurance handle it?

I was parking and accidentally bumped into someones car and made a small scratch. The bmw driver made a big deal over it and got my insurance information.he supposedly got an estimate and tried to handle things under the table without having to go thru the insurance.however I think the estimate is tooo much money for fixing a little scratch that literally can be buffed out.I think he already got it fixed and still wants me to pay cause he said the supposed estimate also incluided a three day shop fee.will the insurance still cover me?what can I do?how do I handle this situation?this accident happened last week on Tuesday and he gave me the estimate Saturday.

What kind of insurance?

I want to do residential housekeeping .What kind of insurance should i get?What is the difference between being insured or being bonded?please explain ?

Cheapest Car Insurance And Best car to get at 17?

Hello Guys, ive just passed my dirveing Test :D I Got a Pass Plus Witch aprently makes Insurance Alot cheaper. Anways, ive been on all the big sites such as Confused, moneysupermarket ect. And they are offering me around 8Grand for a 0.9l Fiat Cinnequento I dont want that car i just tested to see how much. I really need somewhere cheaper. so could you guys give me best car to try get insured on and where?""

Insurance rate for a 2000 toyota celica?

Insurance rate for a 2000 toyota celica?

What is the best life insurance for a young person 22-35?

I want to be able to use it against my mortgage. Is it possible to get money from it and not have to pay it back after a while or something? And will that change my policy in anyway?

I need to know where i stand with insurance?

basically a guy drove into the side of me and my car is in the garage awaiting assessment to see if its to be written off or fixed. of course the insurance wants whatever is cheapest and its looking like it would be cheaper to write it off. if this happens can i   1. offer to pay more on my excess to get it fixed?   2. get the car picked up and pay for it all myself to get fixed at my own mechanics?    its not that the car isn't fixable its just that the insurance is looking at the cheapest option, which looks like writing it off, because my excess is so high, but if they do this i will never be able to afford the insurance, so would rather keep this policy and fix it,   anyway   is this possible and can anyone find a loophole?

Cheaper car insurance?

im 18 and am in the process of buying a ranger rover sport supercharged, ive got a few good quotes for inurance, i just wanted to know how can i get it cheaper and if you know some one in the insurance bussiness, can u get it cheaper? thanks""

Is being an adult really that hard? Owning a house? Having a job? Owning a car? INSURANCE??!?

I'm only 15 but I've been looking around and now I'm just not eager or happy to be an adult. The amount of stuff that I will have to do will essentially cause flippin' hair loss! When I'm older why do I actually have to have TV license to buy a TV? Do I have to have insurance on EVRYTHING? House, car, health..like seriously why do I have to pay for something hazardous that might not even happen in my life? Is it vital to have car insurance? What if I don't have one and my car is perfectly fine? Please don't even get me started on bills! It freaks me out to know that companies just want money, money, money and wont stop at anything to get it. I heard that there's this thing where gas companies and all those other stuff essential in a house can directly take money off your credit/debit card instead of going to the post office and paying. For people who do this, is it better? It's quite scary to know that I'll be doing all this in the future.""

Can I put my girlfriend on my health insurance if she lives with me? Or do we have to be married?

Can I put my girlfriend on my health insurance if she lives with me? Or do we have to be married?

How much do you pay for your car insurance if you are insured under your parent' policy?

im 19 yrs old

""How much does tornado insurance cost? (to cover only my house, but not what is inside the house)?""

i have car insurance right now with allstate where i pay 50 $ every month, how much would it be if i add tornado insurance to cover only my house but not what is inside the house? I know you dont know, but i just want you to tell me approximatley how much please.""

How much will insurance cost?

I'm a 18 year old got g2 and about to buy a 1999 Hyundai Tiburon Living in Toronto About to be a college student The car is a Automatic, Kilometers 196000, Coupe (2 door), Front-wheel drive, no mods on the car and it is red. How much will the insurance cost thank and if you can tell me the best insurance company thanks Can you tell me by monthly thanks""

Maturnity insurance?

do anyone know of any insurance that cover maturnity that will not cost an arm and a leg. my husband had good insurance and they had a lay off and friday is out last day with that insurance so does anyone know of any insurance for maturnity coverage that would be a great help.

How much would car insurance cost for an 18 year old?

I have 2000 toyota celica and I had my license for almost 1 year. I was in a car accident(my fault) and my car was under my mom's insurance but the insurance company doesnt want to cover the celica anymore due to the fact that I was driving it. I will be 18 on september and I was wondering how much would it cost montly for me since Im going to CSUN and ill be commuting, and i don't want to pay too much. I live in california""

I need help with car insurance !?

i am a young driver and i am am hoping to go on my mothers insurance but only for 3 or 4 months as i am going uni soon, i wanted to know how flexible it is to go on her insurance and them remove my self, what are the financial implications this may cause ? i already know it may cause the premium to increase but will this premium decrease back to her existing premium once i am taken off the insurance ? i would also like to pay monthly while i am on the insurance as i am likely to be quoted 1000+ for the year! so after 3 months payment i will take my self off- if this is possible once i am taken off the insurance will my mums premium go back down as she currently only pays 350 for the year please help i know this sound complicated but i will be grateful for any feedback""

Should 17 year old pay their insurance?

What age should they start? And is 300 horsepower on a car fast? How much would a car that fast cost? Too fast for a 17 year old?

Will my rates go up for a hit and run?

This weekend, my car was hit while parked in a parking lot. Nobody left a note or anything, which makes it a hit and run. The damage is extensive so I had to make a claim with my insurance co (it's unfair enough that I have to pay the deductible for something that's not my fault, I shouldn't have to pay even more). When I asked this won't make my rate go up, will it? they told me they will have to wait and see! This is so unfair, it wasn't my fault, I wasn't even THERE and they might raise my rates. I have 2 other claims in recent years, one from 2009 that was not at all my fault and the other from 2008 that was split 40-60 (or something, i don't know the exact % but i was less at fault that the other driver but still deemed at fault which was bs, but i digress). I have State Farm. Does anyone have experience with them and know if they will raise my rate over this? I'm so angry right now!""

Car insurance price ?

- so ill be 18 next sateday; im on my grandmas insurance now. i plan on getting my own car & my own insurance in 2 or 3 months. i have already had two wrecks ; how much will my insurance be ? & yes i'm a female

How come I haven't been forced to buy car insurance?

I keep hearing from some people on here that the government forces us to buy car insurance. How come nobody has forced me to buy it?? My roommate also doesn't have car insurance. We live in the city and take public transportation so we always thought we didn't need to buy car insurance. Are we breaking the law? Also, my brother lives in New Hampshire and he drives a car but said he doesn't have car insurance!! Is he breaking the law?""

Canceling car insurance?

i got some car insurance for a car i was purchasing today as i did not want to drive it home over 100 miles with out none , i only took it out yesterday but when i went to pick up the car it had obtained some problems that it did not have before so i have not brought it. i was told when i got the insurance that i would have 14 days to cancel it but when i rung them up today to cancel it they have said i can not and i will have to pay all of the premium in full, i explained to them why i was needing to cancel it and was told it is not their fault and i still have to pay all outstanding monies , is this right . this is with swinton if it matters.""

Do i need insurance if im driving my dads car?

Hello. I was wondering if i need insurance if my dad is teaching me to drive while i got provisional license with the L plates on the front and back of the car? When i pass my test i will get my own car.

Who is the insurance/workers compensation carrier for Petco?

For a research project I'm doing on the pet industry, I need the name of the carrier who provides insurance and worker's compensation for Petco, PetSmart and the like.""

Buying health insurance for the first time?

I'm looking to buy health insurance, but not sure what type to get. I'm very healthy and have no children so it would be just for myself. Should I do a co-pay plan? HMO or PPO? Not sure.""

Has anyone used Canadian Direct Insurance and experienced any issues or problems?

They offer great rates for auto insurance but before considering switching to them I'm curious as to whether other people in Alberta or British Columbia have had pleasant or unpleasant experiences with them.

Does anyone know the car insurance laws in new york state?

Ok. I am seventeen years old and i want to get my drivers liscense but my parents wont let me because they wont pay for my car insurance. Does anyone know the laws for underage drivers for car insurance? I would be driving one of their cars and i wouldnt have one of my own. If you can site a source, it'd be great cause then i could show it to them. thanks.""

Help with car insurance?

I am 15 with 1 month before my birthday, and of coarse my license. I have made some sort of a deal with my parents. This deal allows me for every month I postpone my license i get a percentage of the insurance they would have payed. How much is insurance, how much of it should i get, and is it worth it?""

600cc supersport vs 1000cc sport insurance cost?

I'm young and most insurance companies wouldn't insure me on a supersport until I've been riding for 3 years. So i'm wondering if for some dumb reason they'd be more likely to insure me on a 1000cc sportbike than a 600cc supersport bike just because the 600 is a ss. The other part of the question is what's the deal with 1000cc vs 600ccSS with older riders? Thanks love ya guys

Do you have health insurance?

if so, how much is it per month? How old are you? what kind of deuctable do you have? feel free to answer also if you do not have insurance.""

Cheapest car insurance in san antonio?

Cheapest car insurance in san antonio?

Need help with car & insurance (Just starting out)?

So I am 18 and want to move out of my mother's house because of reasons I shouldn't mention. Not because I am some spoiled teen looking to do what ever I want. But are you willing to help me? My question is: How do I get my liecense with out limited insurance or a car? How do I get insurance without a liecense or a car? How do I get a car without a liecense or insurance? This is the vicous cicle D: How can a new adult jump out into the world when my mother isn't willing to help me? I have a stable income. I just need some advice.

Does a Dodge Dart have sports car insurance?

If i buy a dodge dart Rallye and it has the 1.4L turbo engine, will i have to pay for sports car insurance?I have statefarm..""

I need to know where i stand with insurance?

basically a guy drove into the side of me and my car is in the garage awaiting assessment to see if its to be written off or fixed. of course the insurance wants whatever is cheapest and its looking like it would be cheaper to write it off. if this happens can i   1. offer to pay more on my excess to get it fixed?   2. get the car picked up and pay for it all myself to get fixed at my own mechanics?    its not that the car isn't fixable its just that the insurance is looking at the cheapest option, which looks like writing it off, because my excess is so high, but if they do this i will never be able to afford the insurance, so would rather keep this policy and fix it,   anyway   is this possible and can anyone find a loophole?

https://www.linkedin.com/pulse/allstate-boat-insurance-quote-isaiah-mitchell/"

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Watersmeet Michigan Cheap car insurance quotes zip 49969

"Watersmeet Michigan Cheap car insurance quotes zip 49969

Watersmeet Michigan Cheap car insurance quotes zip 49969

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

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if you have to go in a nursing home for a long time does medicare cover this,permatently or do you have to have longterm care insurance.we pay-out 1600.00 dollars every 4 months.please some answer thanks.iam 89 spouse is 86 thanks""

What would be the average price of car insurance for a 18 yearold driving a scion tc in Florida?

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Do i have to have credit check to get car insurance?

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Why is my Auto Insurance so high?!?

I am 20 years old paying full coverage insurance on a 2011 Nissan Versa that I am making payments on. My Credit is middle of the pack and I've never had a wreck or a ticket. So, can anyone tell me why my insurance is twice as high as anyone I talk to with the same set up?!? My insurance company said that it was strange, but can't find out why it's that high and this is my 2nd insurance company. The previous one charged a little more. I've gotten quotes and they're either close to my monthly currently or are more. I am paying nearly 500 dollars a month... I hope someone out there can help me lower this insurance. Thanks ahead.""

Why would my car insurance go up?

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Why is my car insurance so expensive? Give me a GOOD reason why.?

I have my driving test tomorrow, looking forward to it, but car insurance for a car which is worth 200, the car insurance comes from 2500 - 4000. Why on earth does it come to this??!! Insurance companies are all sharks. No wonder so many people are uninsured.""

Auto insurance?

My car was hit about a month ago and I'm still strugling with the insurance company. I was not at fault and my claim was denied because the insurance company can't get in contact with the policy holder (obviously doesn't want to take responsiblity). I think it's a bunch of bull---. Is this possible?

What is a good and cheap insurance for a Acura Rsx 2002?

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09' Honda Civic Insurance?

I'm searching for quotes for my 09' Honda Civic--- I have full coverage right now and would like to keep it that way with a new insurance. I have Allstate & I believe I'm paying too much for it (240.00 USD). What car insurance companies can give free estimates/quotes? (I'm 24-college student,unmarried, if that helps). Thanks!""

EX(executive) class model car insurance?

Is it true EX class model car have higher insurance rate? I want to buy an honda accord 2000 EX.

""Car insurance, it makes me think why bother.?""

Last year a neighbour crashed his car into my drive, damaging the railings, lucky my car was not there at the time and no one was hurt. He was charged as he had no insurance. I got a letter from the Police last week stating that he got 6 points and was fined 500.0. My car insurance is now up for renewal and I was quoted 600.0, obiviously I'm gonna have to get insured, but it does make me think why bother, what do you think???""

Will car insurance go up if I'm added to my parent's policy?

I'm 15 and have my restricted license to drive to work and school in Kansas. Basically what does adding me to my parent's policy do and about how much more will it cost?

Can you really find cheap health insurance ?

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Car Insurance?

Last year I paid my car insurance in one hit, online. This year, renewal price was higher because I got 50 cash back last year. I saved 120 by searching around and went ahead with the new deal. Unbeknown to me the first company renewed my insurance without my knowledge because they had my credit card details from the year before. I ended up being insured with 2 companies for 3 days and I went 109 over my limit on my credit card. Not only is it illegal to be insured by 2 companies at the same time, they did it without my knowledge! Are they allowed to do this? I have, I hope, resolved it but if any charges are incurred either for cancelling my previous insurance or going over my credit limit are these retrievable?""

Best health insurance for babies?

Hi everyone I am 24 and kind of new to this. I'm pregnant with my first child and I would like to know what would be the best insurance for my newborn and when I should apply for it. I currently have insurance through my job and its great the only thing is I'm not considered full time so if I put the baby under my insurance there goes half of my paycheck. It is the same for the baby's father. I have a loooong way to go before my due date but I like to be prepared when it comes to things like this because it is very important to me. If there is anyone out there who has a good place to choose I'm all ears!

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.""

The world of car insurance?

the idea that dropping the price of car insurance for men a small amount and increasing the female amount a huge hike has nothing to do with gender that's the con it's the absolute greed of government and big business hand in hand raking in a fortune as they did when changing the  s p to the criminal decimal currency? the question is why do we Joe public put up with this crap

Is motorcycle insurance cheaper than car insuracne?

for an 18 year old in mississauga ontario, canada would bike insuracne be cheaper than car insureacne on for(part-time car driver)?""

Why do people get life insurance?

Why do people get life insurance?

Who provides reasonable car insurance for a young man?

My 20-year-old stepson is seeking his first car. He's newly licensed and thus has (obviously) not had car insurance before. He also has not had a loan so he has 'new' credit. The insurance quotes we have gotten for him are outrageous! Allstate offered him...get this... $1300 a month for ANY car we could think of! He's a full-time student with good grades, and we're talking cheap used cars here. Progressive offered a better rate ($400/month for full coverage, $250/month for basic) but they don't want to let him pay by the month, meaning he's gotta fork out 2 grand for six months of coverage...which puts a bit of a crimp on the whole car shopping thing. Is there any insurance company out there that is a little more reasonable? Any help or suggestions would be appreciated.""

Which company has the cheapest Car insurance for 16 year old drivers? I live in NC.?

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Driving without insurance?

Hi guys police gave me citation for not having insurance paper with me its registered under my cousin name we live the same address the car is insured but i don't have insurance if i go court and show car insurance they will give me ticket or what thank you.

""Car Insurance: What are premiums, legal fees and voluntary excess?

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How do I find out if my insurance covers Mirena?

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Watersmeet Michigan Cheap car insurance quotes zip 49969

Watersmeet Michigan Cheap car insurance quotes zip 49969

Uk Motorcycle insurance question?

I'm currently doing my CBT and the going to do my A2 licence, which would permit me to ride a 400cc bike, so i'm planning on getting a 600cc bike and restricting it. Would that lower the insurance if i were to mention it has been resticted, i looked it up and for an 18 yr old i got a quote for a 600cc bike for about 1,300. would that be lower if i said it was restricted??""

How much would i pay in fines for driving w/ out insurance in california?

How much would i pay in fines for driving w/ out insurance in california?

Where to get cheap insurance for at risk drivers?

Well I had an 08 chevy cobalt (dad was paying for it) & me & my friends were always stupid & I was always doing stupid things. Totaled it. & I got 5 points on my license. I got a Job & my mom agreed shed pay for half the payments on a car. I liked the 2013 dodge darts bc they were really good on gas, looked cool, & had a lot of room. Well the insurance for that was gonna be 900 a month through Allstate. Which is crazy. I can afford 1-150 a month for insurance. Anywhere I could go to get a cheap car insurance? Within my price range for an at risk driver? & I probably won't buy the dart, I was thinking like an 07 civic or eclipse or something on the lines of that""

How much is insurance per year on a E46 BMW M3?

I'm looking into buying a 2002-2004 M3. I'm 18 yo male with a clean driving record.

Car Insurance without a license?

I know this is a dumb question, but I thought I would ask anyway. My 25 year old son, recently had his license suspended, due to non payment of a ticket. His car registration is coming up this month. Is there any way he can get insurance, so the registration on his car, will remain current. At least until he pays off his ticket.""

How much is average health insurance in London?

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I am 28 years old. I have a clean driving record. I got a speeding ticket for 0-10 miles over. Seat belt on. Will my insurance company know I got this ticket and will they raise my rates. We have Geico. Should I take the defensive driving class and keep this ticket off my record? Or should I just pay it and go on?

What car insurance do you have?

Im trying to find one that's cheaper I recently have 21st Century. What's the name of your car insurance and do you like it?

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Color of the car for insurance purposes?

Does the color of the car have anything to do w/ the price you pay for your insurance? I have heard that bright colors make your insurance rates higher.

Insurance Question for lawyer?

i have an insurance that i paid full for six months and it still has two months left however, someone called the insurance place and cancelled my insurance. they didnt pretend to be me, they just know somebody that works in that insurance place, it was the same person who had recommended me to that place. what really bothers me is that this person now knows my information, what car i drive, address, color of car, any and all information that the insurance place has. i know i can get my insurance reinstated because i paid it for six full months and everything is under my name my question is if their is anything else i can do, or does anyone know of any laws that this breaks. im sure that its illegal i just dont know the laws, help anyone?""

What car insurance companies offers the cheapest price for insurance for drivers under 25 years old?

I'm currently 23 and I am about to get my first car ( a sedan). Which car insurance company offers the best prices for car insurance in new york state (or just in general)? does the popularity of the brand mane of the car and model affect the insurance price? for example, would the insurance of a 2002 honda civic be more than that of to 2003 hyundai elantra (let's say both have the same mileage of 85,000)? thanks

Whats the best car insurance website to compare?

looking for cheap car insurance, plz :)""

Motorcycle insurance in ontario?

Im 21 years old and im looking for cheap motorcycle insurance in ontario. Any suggestions?

When will a vandalism( to my vehicle) go off my record for insurance purposes???

About 2.5 years ago some kids used nylons and a hamburger wrapper in my gas tank to set my truck on fire. It was a brand new tahoe with dealer plates and it had to be deemed totaled due to damages. Now I am trying to change insurance and get quotes and even though I was not at fault and didn't even know these children it increases my premiums by about 600 every 6 months. Does anybody know when this will go off my record? I cant understand why I'm being held financially accountable for some delinquents behavior.

If i get my medical card in california will my parents see it since they pay for insurance?

I am about to get my card and i was wondering if my parents will see it, since they still pay for my insurance.""

Affordable health insurance? My husband's work does not pay for mine nor our son's insurace so we pay out of?

pocket. We have Aetna right now but they just keep jacking our prices up. My husband has not been to the doctor at all this year and they have raised his prices too. Does anyone know of a good health insurance plan that is affordable please?? Thank you!

Is ICBC Prejudiced against young drivers a 120$ a month insurance rate cars?

I am a young drivers just starting out and I drive just like anyone else, I don't consider my actions dangerous why is it though I must pay premium prices if I drive well. These rates only adjust after driving for a longer time. it can be that of statistics ? I know that amount a month for insurance alone is exorbitant and when I ask older drivers some say they pay around 50$ a month. Are there other licensures in BC for licensing for driving a car, perhaps much cheaper than ICBC ?""

What if 21st Century Insurance considers my car totaled?

Ok...My car was parked at my work which is privately owned. An ex employee who was inebriated, backed into the driver's side quarter panel. Now, my car has a HUGE dent and it won't lock. I left it at the body shop and the adjuster told me it might be considered totaled. My car was in immaculate condition, mechanically, as well as cosmetically. In addition, my car has less then 93,000 miles on it. What should I expect? I am a student and I rely on this vehicle for my only means of transport. I know the insurance company is going to take advantage of my ignorance on insurance jargon. PLEASE HELP, I NEED ADVICE!!! Thanks~""

Will my first speeding ticket affect insurance?

I live in Ontario and received a speeding ticket for 95 km/h in a 80km/h zone, just over $50 and no loss of demerit points. It's my first speeding ticket, is this going to affect my insurance rates?""

Personal Medical Insurance?

Why is medical insurance is a dream of riches or expensive commodity in U.S.A ? For example, Denmark, Canada, and other countries it is affordable and free to the people who contribute to the development of the country? (In Denmark for example if you can speak Danish, and work, you get free Insurance, like such in another countries). Why can't we make it affordable to everyone? What pro-active thoughts, comments, actions, suggestions you have for in this regard? Thank you.""

Does two mortgages on a home make your insurance more expensive?

If I get a second mortgage on my house will my insurance go up?

Will my car insurance rate lower once I turn 25?

I heard that once I turn 25 my car insurace rate will lower. Is this true?

Does online auto insurance quote comparison sites work?

Does online auto insurance quote comparison sites work?

""TRAVEL INSURANCE for South America, USA, Europe!?""

I have been quoted an obscene amount for travel insurance. I'm traveling from Australia and will be overseas for 12 months (1 day USA, Europe 2 weeks and Colombia the rest of the time). I need medical/valuable/flight cancellation etc insurance. The medical must include dental and not only emergency (I want to be able to go to the doc's for a checkup if need be). I would like an affordable price...""

Watersmeet Michigan Cheap car insurance quotes zip 49969

Watersmeet Michigan Cheap car insurance quotes zip 49969

Who has the cheapest liability car insurance in California?

I live in the South Bay, and I am purchasing a car along with insurance. I just need a cheap insurance company because I will not be driving the car for long, as I am going to the Air Force at the beginning of next year.""

How much midwife cost w/wo insurance?

I am not sure if my insurance covers midwife expenses, hence any advice shall be helpful. Also, where can I look for a midwife who accepts insurance? Possibly ask my OB or hospital ? please advice""

I have insurance for a car I had for 6 days. The insurance co. says it's a total loss. They gave me a value?

Audatex is not kelly blue book they look at craigslist & not the dealer. Craigslist sometimes has cars where a mechanic might not catch it but is damaged. The price I paid is higher due to getting sick & credit went down so I had to go to a local dealer with higher interest. They want the insurance check plus $1700.00 & interest. So I will pay for this thing for over 1 1/2 years. I had it 6 days when some crazy driver almost hit me I turned & hit a wall. The insurance company says I loose my good driver discount. Since I will have to wait to pay off this car I can cancel my insurance once the dealer gets the check. Is there any California law that would say if this happens I would be able to pay off the car. It's worth more as a loss then to try to fix it. Please help. Thank You.

Cheapest insurance for a vauxhall Astra 1.4 55 reg?

I'm paying round 90 a month for a 1.4 Astra with tesco. Absolute rip off I live in a half decent area and have no claims over 9 years, why is it so expensive, pain in the ****!!!""

How long does a insurance company give you to renew your car insurance?

i live in walsall and i am on a holdiday in skegness. My car insurance is up the day before my holiday finishes. but unfortunately my wallet got stolen from an arcade yesterday so i have no credit cards to renew it online could u help please ?

Can I remove myself from my parent's car insurance policy without them?

I am looking to trade in my SUV for a car. My dad does not want me to do this so he is refusing to switch the car insurance from my Xterra to the new car. So I decided that I would just remove myself from the policy and get my own insurance. Would it be possible to do this if he refuses to call?

What is the cheapest motorcycle insurance in the uk?

What is the cheapest motorcycle insurance in the uk?

Will a Roush 427R Mustang VIN look like a regular Mustang GT on Insurance?

I was looking at a 07 427R mustang. When I called to get an insurance quote she told me the VIN said it was a 07 Mustang GT Deluxe. Is this right? or is it a fake? It has all of the number plates under the hood, including the built by plate.""

Do you guys know of any cheap Car Insurance places in Raleigh NC ?

I am 18 yrs old i dont have my license but im trying. I need car insurance but i cant find a good place. I want something that will allow me to getright my license right away. I dont want to wait. Any ideas? ohh and i dont have my permit so im in a bad place. I NEED HELPPP PLEASE and THANK YOU!

Car insurance. What a cheek!?

Got renewal yesterday for 449 up 10 on this years, when I go directly to the insurers website as a new customer my quote comes out as 279!! Can I cancel my insurance upon renewal and then take out another policy with them?""

Can I insure a car not registered to me?

My 22 year old daughter is in college and on my car insurance currently. She is getting a new/used car. Does it have to be registered and titled to me for me to be able to put it on my insurance? Can it be titled and registered to her and still go on my insurance? Thanks.

""What is third party car insurance? Can I, with no insurance, drive someone else's car, if they have insurance?""

So heres the deal. I don't have car insurance, my friend does. He seems to think that because he has third party insurance , I am able to drive his cause because the third party insurance will cover me in case of an accident. I don't think he's correct but, I'm not entirely sure how it works. So, what is third party insurance? Can I, with no insurance, drive someones else's car, if they have insurance? If they have third party insurance? Is there anything at all, in any kind of insurance that would allow me to drive his car, without me having insurance - even though he has inurance? So I've said the same question 10 times but...can someone who is uninsured drive someones car, if the owner of that car is insured?""

I have a car insurance question (teen)?

I am a 16 year old teen just about to get my license pretty soon. I am aware of the fact that insuring a teen is incredibly expensive and annoying. my family is middle class. the car that i really want now is a 2004 infiniti G35. the car itself would be around 5-12k which i can put up most of. but my dad is not gonna let me because of the insurance of a teen driving a sports car. i know that, but i really do not want to be driving a piece of crap. i know a bunch of friends my age from my town who have 2012 sports cars i just don't get how they afford them.can someone explain to me the price of a male teen driving a 2004 coupe. and i am aware that there are exceptions such as school. if you get good grades its less.. can someone please let me know of any exceptions to help me pay less insurance.. THANK YOU IN ADVANCE..""

Taking a car off your insurance?

My sister is taking my car off her insurance and she says I still have to pay the $88 that I owe her every month. She cannot cancel the insurance until she has the tags, I sent her the tags yesterday and she'll turn it in before the first (the date I usually give her the money). So now I have no car to drive, do I still have to give her the $88 if she turns in the tags before the first? Please help. She's the type of person who will take as much money as she can from you, I do not know anything about insurance and she uses that over my head.""

How much would it cost to insure another car on my mom's insurance?

Im 16. I really want to get a car but my mom claims she can't afford to insure 2 cars. I have discounts though. I took drivers ed in school, i have a job, and im a girl. She has mercury car insurance. She claims that her car insurance will go up 2000$ to insure another car. the car she has is a 2011 toyota camry. I think shes lying and just doesn't want to pay for it. I don't think its that much because there are a lot of people at my school who live in project housing or don't make nearly as much money as my mom does and have their own cars so..im asking, how much would it really cost to insure another car? If you know of any other insurances that are cheap to insure 2 cars, 1 for a 16 year old, feel free to enlighten me. Thanks! btw, I offered to pay as much as I could in insurance but she said I don't make enough money. :(""

If my insurance pays off what i owe on my car would it be on my name?

or would if be on my car agency name? i was hit by a 73 male no insurance and well all i have now is for my insurance to cover it and to fix my car is about $7,500 and its a total loss so my mom was told and estimate of what the car might be worth is between 5,000 and 6,000 i have and 2004 Hyundai Elentra. I still owe the agency a year of payment so is the check going to be under my name or the agency. im hoping under my name this way im able to buy a car- cash and keep paying my agency what i owe. bc it sucks to still pay off money even if the 6,000 for the agency and i still have to pay monthly if its not enough to cover the whole amount i owe. HELP""

How much will my car insurance go up because of a ticket?

The other day, I was in a hurry to get to school, and I was pulled over going 70mph in a 45mph speed zone. I was issued a $101.99 speeding ticket and was NOT charged with reckless driving or anything else. I haven't told my father yet (I'm not yet 18.), but I am selling a lot of video games I do not play anymore to pay for the ticket and any other increased insurance rates. My question is: how much will my car insurance (USAA Full Coverage) rates increase per month because of this ticket? I drive a 2008 Super Black 350z, and I have been involved in an accident, so my rates are already about $500/mo. Friends have told me that my insurance will go up at least $200. Is this true? More or less? Or is there a percentage of my current rate that it increases by. Any help would be appreciated, so I know how much I should expect to pay my father when he sees the ticket on my insurance report. Thanks!""

Which motorcycle will cost me less on insurance? 2004-5 600/1000cc crotch rocket motorcylce or 2008 Ninja 250R

No motorcycle experience at all. No driving record. 21/M/Florida. Never held a driver's/motorcycle license in the US. Am about to take the MSF course though.

Health insurance and vehicle insurance in U.S.?

Hi, I have heard that in U.S. getting health insurance and your vehicle insurance is mandatory and not your option/choice. Is that true? If yes, what is the rationale behind government enforcing this on citizens? Thanks

Life insurance - can policy owner change % allocation after death of insured?

My sister has a policy with NY Life where she is the policy owner.. AND is 50% beneficiary with me. My mothe passed away 2 weeks ago.. however my sister tried calling NY Life to change the % to her benefit, 70/30. Bottom line my sister is cheating me out the insurance money. Can this be done post death? I've always thought once insured has died changes can NOT be made. I may be wrong..... Any comments or suggestions?""

What are some good auto insurance companies?

I have not yet did any quotes, I was just wondering can someone out here tell me from experience what are some good insurance companies. My sister has her driver's permit, and she just purchased a used car..Of course she's trying to get her license but she wants to practice in her car as long as she has a licensed driver in the car with her. I myself have license, but no car at the current moment. United Auto Insurance said that even if she doesn't have license and the car is registered in her name, she can still get insurance as long as I'm on there with her because I have license. Do you know of any other insurance companies that are like that. Also, she's just looking to get liability at the time and she is over 18yrs. of age.. Please no smart remarks, only mature serious answers please""

Can car insurance comp increase my premiums like this?

In April of this year, I paid for my car insurance for the period April to October. Now they are telling me they are increasing my premium for that period by another $50 because the address of my workplace changed. I don't get it. Can they do that? I already paid for my premiums for that period. If I don't pay the extra $50, is my insurance still valid?""

What is the estimated cost of repairing a knocked down motorcycle? (assume only aesthetic damage)?

Girlfriend knocked down a motorcycle while parking...trying to determine if we should go insurance or out of pocket.

Could you give me a rough estimate of my teen auto insurance?

I want to get either a honda civic or toyota corolla (those have best insurance rates supposedly) and I am 16. Great student, no record, no driving problems etc. Could someone give me just a really rough estimate. Thanks!""

Does anyone know of affordable health insurance for college students?

Does anyone know of affordable health insurance for college students?

Watersmeet Michigan Cheap car insurance quotes zip 49969

Watersmeet Michigan Cheap car insurance quotes zip 49969

Auto insurance rates!?

im trying to find really low auto insurance rates...iv been in quite a few accidents tho, this seems to be the biggest prob..anyone with simalar experiences??""

Car insurance quote reduction?

My quote for this year was 1200 as I'm a 18 yr old, male student but I was just wondering how much cheaper it should be with a years no claims under my belt as I'm just a month away from it.""

""What is good, affordable health insurance in Arizona?

My job is no accepting aps for insurance till October but I need some now. Any good suggestions?

Company car insurance?

Hi Can anyone help me re company car insurance I am currently getting a company car and now under the companies insurance, so dont need my own private insurance. I currently have 9 years NCD. I am now worried, what happens if I leave the company in a few years time, do I have to start from scratch again with no NCD, or can I still use my 9 years NCD anyone know (I have read they are valid for 2 years) I have asked Direct Line (my insurer) and they cant give me a straight answer, I get something different each time. I wanted to know if I was involved in an accident with company insurance I appreciate I have to state that when going back to private insurance but if I had an accident and had no NCD my premium would be sky high which I find unfair if I lose my 9 years NCD as I have not actually taken a break from driving. Does that make sense? hope someone can help me Thanks, Steve""

Does living on an unpaved road affect car or home insurance rates?

I'm doing some research and I can't find out if living on unpaved roads affect car or home insurance rates. Please help me :)

Im 20 years old. Just wondering when i should buy life insurance?

Im 20 years old. Just wondering when i should buy life insurance. ? I have a bf live at home with my parents. I have a car loan out for 18,000. Have a full time job. Just wondering if its better to purchase when your younger. My bf and I have been together for 6 years.""

Obama just isn't trying to 'buy votes' by promising to give health insurance?

Obama just isn't trying to 'buy votes' by promising to give health insurance to those lazy non-working people that Hillary is trying to buy. Obama simply wants to make insurance affordable to those who are willing to work. Hillary wants to increase the national debt by giving those who refuse to work yet another reason not to work. what do you think?

How can I get the best quote for a car insurance in the UK?

I have just bought a car, but I haven't driven since I moved to London, 5 years ago. I am doing a research on-line to get the best quote, but they all seem to be a bit pricey. Does anybody know a telephone number in the UK where a person (rather than a machine!) can find the best deal? I am tired of websites such as moneysupermarket, as you end up having to contact companies individually... Any help would be greatly appreciated as I would like to bring the car home today!! Many thanks in advance!!""

Is there a list of rankings of top car insurance companies? What is a good car insurance company?

I'm shopping for car insurance and want to look for reviews of all the major companies out there. I want competitive prices, but good customer service is top priority, such as not trying to find a way out of paying me if I have an accident and not raising my rates without my knowledge like some companies are rumored to do.""

Cost of car insurance in michigan with the full time driver being 18?

what is the cost of car insurance for 1 year in ichigan with the full time driver being 18? can you tell me where you found this?

Gap insurance on new auto?

what is the cost for gap insurance for honda acord 4 door sedan 06 year

What's the average for insurance for a teenager?

I know that it depends on the make and model of the car, but I just want to know the average price.""

Which Car Insurance is Known to have the Cheapest Quotes/Rates?

Looking for a car insurance company that's a little easy on a 20 yr. old's pocket.

Help on medical insurance?

My girlfriend just lost her medical health insurance benefit from her job, and she is having difficulty finding an insurance provider because she is pregnant. Does anyone know of a health insurance company that will accept her? Thank you for your help.""

A car insurance question...?

So... I had a 1998 VW beetle that I traded in today for a 2003 VW beetle. I purchased this car in the state that I am currently in for college (MD). In order to purchase the car I had to get a MD tag. My old car is insured under Farm Bureau in NC. Can I transfer my old insurance to cover this car? I am not a Maryland resident, but NC resident. Any help/advise is greatly appreciated. My 98 beetle was in great shape, but the newer car had more additives like sunroof/less miles etc.... The difference was around $5000 that I am having to pay.. Because of the financing I had to get MD tag and such.. Thanks in advance for your help!""

Buying sunglasses using health insurance ?

hi i am trying to buy sunglasses using my health insurance because aetna health insurance allow me to buy sunglasses on their charge, a lot of my friends did it this way, but every time i call a store they say that they don't do that!! any info ? thanks""

Where can I find low cost health insurance in Florida for kids?

Where can I find low cost health insurance in Florida for kids?

Switch auto insurance from USAA to Nationwide?

If the policy quoted by Nationwide was ~35% cheaper than what USAA would give, for the exact same coverage, would you switch? Why or why not?""

""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?""

Do you have health insurance?

if so, How much is it per month? how old are you? what kind of deductable do you have? Feel free to answer also if you do not have insurance.""

""How much does homeowners insurance cost in Nassau County, NY?""

I'm just starting to look at purchasing my first home and need to understand even a basic range of cost for yearly homeowners insurance for budgeting purposes. Without having a specific property in mind to request a rate for, is there any place I can see average or median homeowners insurance rates? I'm looking at homes in good condition for under $375,000 purchase price.""

CA Auto Insurance Broker Fee?

What is the average rate a Broker Charges when you sign up to insurance through them in the State of California?

Best health insurance plan available for 2+1 family?

My family is 2+1, I need best health insurance plan in all aspect such as premium, service, facilities etc.. Suggestion needed""

How much would basic car insurance cost for me?

Ok so im 18 and i was just wondering exactly how much car insurance would be if i paid it by my self with out going threw my parents plan?

Which Local Car Insurance has best price in Las Vegas?

I have done my research but would like to know which local car insurance has the best deals? Thanks you for your time.

Watersmeet Michigan Cheap car insurance quotes zip 49969

Watersmeet Michigan Cheap car insurance quotes zip 49969

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Lafayette Indiana Cheap car insurance quotes zip 47905

"Lafayette Indiana Cheap car insurance quotes zip 47905

Lafayette Indiana Cheap car insurance quotes zip 47905

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

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What would my allstate car insurance be?

im a 16 year old female. i went through driver's ed (so you're suppose to get a discount) and my mom had been a member of allstate for at least 10 years with no accidents or anything. so im wondering, about how much would MY car insurance be? if it matters about the car i would be driving, we're getting a red 87 toyota celica coupe thanks!""

Car Insurance?

Ok, first does anyone know which states do not require car insurance? Second question is do you have to have full coverage on a financed car? No silliness here real answers.""

How do you find out if someone that hit you has insurance?

the insurance information i was given after someone hit my car turned out to be fake. my insurance company called his company but was told that the policy # does not exist. so is there a way i can find out through DMV or somewhere his true insurance information? if i can't find it, would this qualify as uninsured since i have uninsured drivers coverage? it would waive my deductible and it would pay for the injuries i suffered in the accident but only if he really is uninsured.""

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....

""When you get rear ended by a car, does your insurance rate go up?""

Will getting your car rear ended, or getting into any situation that isnt your fault, cause your insurance rate to go up?""

Car insurance in differnt states ?

My grandmother lives in new Hampshire and there you do not need any insurance on your car , but in Connecticut by law you have to have it, so I was wondering if she comes to see us would she have to put insurance on her car to leave her state??""

Can I put my girlfriend on my health insurance if she lives with me? Or do we have to be married?

Can I put my girlfriend on my health insurance if she lives with me? Or do we have to be married?

Whoever is on insurance card for car insurance is covered right?

The car insurance company is suppost to print new policy paper if someone has been taken off the policy right?

Appeals for insurance company?

i was wondering on average how long does it take for a car insurance company to process appeals if someone knows it would be greatly appreciated

First time dealing with car insurance for a 19 yr old?

I just finished drivers ed today and I want to go ahead and get my drivers license because also Lowes called me and want me to come in for orientation! Crazy day right? 2 good things in 1 day. But anyways the Lowes that I should be working at is maybe 15 minutes away and the position I have should be a night position. I'm sure my mom doesn't want to drive around at night so I told her she can just give me the car at night. Here's the thing my dad said he'd have to put me on his insurance. I would like to get my own insurance so they can save some of there money. So can anybody point me in any direction or give me some tips. Because im clueless when it comes to car insurance. Right now my mom is asking me do I have to work there. I plan on grabbing this job because I've been looking for awhile and I finally got 1. Ain't no telling when I'll get another one

Insurance rates for 2004 Pontiac GTO?

I am almost 18 and looking for a new vehicle. Currently I am driving a Mitsubishi Eclipse Gt (5 speed) and am paying $200 a month! They messed it up so I need to call them back it should only be $120 a month. Anyhow, I am looking to upgrade. I have been looking at Srt-4's which are quite high on insurance, Ion Redline's aka Cobalt SS which is cheaper than the Srt-4, and have currently spotted a 2004 Pontiac GTO (6 speed) , sticker price $12,000 I will try to talk them down to 9 or 10k which might be pushing it even though the car is almost 8 years old. Anyway for the minimum amount for full coverage I only want to be paying no more than $250 a month. Do you think this can be achieved? I have the good student discount and have taken driver's ed. Thanks Guys""

Whats the minimal amount of car insurance one can get? or really can i get insurance without a car?

i just want to be able to drive my parents car, but if i put my name on their insurance i do not have like a thousand up front becuase they pay yearly, not monthly""

How easy is it to change my car insurance?

I am 23, and never changed my car insurance before. I had it for 5 years. I paid $65, then after a ticket, over a year ago it suddenly went to $87. That is with progressive. Esurance offered me $55 for same coverage. If I usually pay on the 20th, can I call them up, set up new plan, and have it start on 20th, and have old one stop on 20th, without another bank deduction?""

Dose the red light camera offence affect our records or insurance?

A friend of mine borrow my car on December for half a day and 2 days ago I got a $180 fine with picture from red light camera! I feel very upset not for the fine but because it could goes in my records!!!

Can a health insurance company deny emergency medical coverage based on the final diagnosis?

I went to the emergency room for symptoms suggesting a life-threatening illness. It turned out I did not have a life-threatening illness and the ER doctor diagnosed something much ...show more

Can I buy a car and drive it home same day without insurance? First time car buyer?

Same as above really, I recently passed my test and I know nothing about cars, I was just wondering if I see a nice car and I wanted to buy it, could I buy it and drive it away same day without having insurance. Or can I insure to drive a car for a few days with those temporary insurance covers and then insure it properly when i brought the car? A little confused here..""

Can Obamacare reduce my health insurance cost? And when does this go into effect?

My annual income is low and my health insurance is blueshield active start35 and its $200 a month for the premium. Will Obamacare help reduce my monthly premium and when will this go into effect? What steps would I need to take? Thank you

Can you get insurance on a car if the owner of the vehical doesnt allow it?

Can you get insurance on a car if the owner of the vehical doesnt allow it?

The best insurance coverage and prices.?

my daughter is starting to drive in a couple months when she turns 16. i want to know how much is the average price for our insurance. which insurance company covers the best and has the lowest price. i heard some friends say that there son only pays about $75 a month but i really dont know if thats possible. any suggestions? thanks!!!

Car insurance help please?

so i stoped by at state farm agency last week and got a quote, she told told me to call her the next day if i wanted it. So i called and told her that i want it. They havent sent me my card in the mail yet. Last night i was in my neighborhood coming back home and this guy opened his door and hit the front of my car. The cop asked for my license and proof of insurance, i gave him the license and told him that i havent got the insurance card yet. He is giving me till tonight to provide it but when i called state farm they told me that i am not insured and that i have to call on Monday to talk to that same lady that i talked to when i got i. I dont know what to do, i have nevr been in a situation like this before. Please help""

""Im an 18 year old male and im about to get my drivers license for the first ime ,how much is my insurance ?

about how much is my insurance looking to cost me ???

How many people lack health insurance?

If you lack health insurance, why? If you cannot afford it, what could people around you do to help you out?""

Double Health Insurance Coverage?

I was recently laid off and offered a severance package that included continuation of full health insurance coverage for 6 months for me and my spouse; I will begin another job which offers health insurance; can I be enrolled in both plans under my name? and What happens with pre-existing conditions?

""My brother stole my car and I don't have Insurance, what do I do now?""

My brother took my car while I was at a BBQ, He was slightly intoxicated and had his 8 year old daughter in the back seat, He ended up hitting a parked truck on the road, less than a half mile from my house. My whole right side of my car is gone, My mirror, antenna, side columns, head light, right side of my bumper, and my A frame of my SUV is broken, I couldn't drive it as if i tried my right tire would of popped off. I had to get it towed. My SUV is a 2006 Jeep liberty. I don't have insurance on it right now, although I had an insurance card before i got it canceled, which state's I'm still covered until October 3rd. (which i showed the cop) My dad thinks that my car will just be totaled. I owe more than $12,000 on this car. The truck he hit also has severe damage to the back left tail light and broken his A frame in the back as well. The cops were called and luckily the cop that came was really nice and waited for me to get to the scene. He cited my brother for failure to control and my brother got really lucky he didn't get a ride to the police station. My brother just got a DUI less than 2 weeks ago. My dad said that the money for my car and the guy's truck to be fixed is going to come out of my pocket. I am only 19 I do not want to be in debt, this was my first car. I'm pissed at my brother and he has decided he is not going to go to court and he's going to run so it's all going to be my responsibility since my brother is a dummy. What do I do? Do i call and get my insurance reinstated and hope they cover it or do i just pay it out of my pocket? I didn't have insurance on that car as I have not been driving it since i just moved back to Ohio from Arizona 3 months ago. Honest answers PLEASE! I'm in over my head.""

What's happens if i get caught driving without insurance?

Im 18 i have a VW golf MK2 GTI 1988 cost me 2000, but to insure it is 5000 a year which i cant afford, what happens if i get caught driving without insurance.""

Lafayette Indiana Cheap car insurance quotes zip 47905

Lafayette Indiana Cheap car insurance quotes zip 47905

Car Insurance HELP? which would be cheaper?

im not asking for a PRICE,but which out of these 3 cars do you THINK would be cheaper on insurance for me. I am a new driver,I have good grades ( good student discount ) and Im going under my moms insurance. -2004 pontiac grand prix -2006 chevrolet impala -2006 pontiac G6 I dont need any websites to find cheap car insurance i just need opinions on which you think will be cheaper and why thanks! = )""

How much is insurance for a 2001 mercury cougar. If I am 16? (EST.)?

With this. I am 16 year old. live in MN first car. go on my parents plan. B+ average. And just no Liability. Not any other plans like coverage ect. Just No liability. Thanks! Oh it's in a metro area too

Where can I find the cheapest auto insurance?

I am a new driver and I need to go on my own insurance policy. I am 19 and am wondering if anyone knows?

Is there any health care ins.that is affordable.

because of my b.p.

Is insurance for a car replica cheaper?

Is it true that kit cars, example toyota mr2 to murcialago insurance cheaper??""

Where to purchase liability insurance for a rental car?

i dont have personal insurance of my own, for am i renting with a credit card. Trying to find place cheaper than the rental car company""

Can I have military health insurance and Regular Health Insurance?

1.Am I allowed to have both military and normal health insurance? 2. Can I see regular nonmilitary doctors with Military health insurance?

""Insurance cant get a hold of the other at fault party, what do?""

I was involved in a traffic collision where I was rear ended by another vehicle. Police report was filed, the information was traded. I filed a claim with their insurance and mine and have not herd anything from the other party. Everyday I contacted their insurance and they still cant get a hold of him. My vehicle is not in drivable condition so I am forced to wait, since I do not have money at this moment to pay for my deductible, I just stared a new semester and spent close to $800 on books. To make matters worse my work has come to a standstill and no income is flowing. I am thinking about hiring an attorney to help me recover the losses. What should I do? If the guy never responds what happens? Is there a law which states how long the other individual has to file a claim? Thank you. I live in the state of California.""

Motorcycle Insurance cost in Ontario?

I know it depends on a lot so I'll give you as much info as possible: age: 18 bike: honda cbr125r driving(car) record: spotless -the bike will be kept in my house overnight, and I'll only be using inner city (for work, school, social..) So guys I just need a rough estimate, doesn't have to be exact. how much would it cost be per year? Also, is insurance less if you're female like with car insurance? thanks for any help!""

Buying a car but don't have insurance?

I'm in the process of getting my first car in my name on my own insurance.. How do I go about doing that? I can't get the insurance without knowing exactly what car I am getting, but my understanding is that I can't drive the car off the dealers lot until I have insurance in order to drive it home? What to do? Thanks, Chris""

What is the cheapest car insurance in michigan?

I am looking for cheap car insurance I live in battle creek mi. I am 22 years old and on ssi. I have autism diagnosis. And I want to be able to get a car I do not have a license right now. But can get one social worker told me that. I would be allowed to drive. I do not own a car right now. But I have $2000 save up for a car. Before I take anymore steps I need to find out if i can afford insurance. I have about $30-$45 to spend a month on insurance for a car. That cost about $2000 I only need the bare minimum that will allow me to drive with a license legally. Dose anyone know where in i can get cheap car insurance? Any help would be greatly appreciated.Thanks

Waht is the best motorcycle insurance provider for ontario?

i have a 1000cc irohead sportster 1984 and i live in ontario. i was wondering what the best insurance provider would be thanks!

Do I need life insurance for my baby?

I am about to have a baby, and see lots of ads for the Gerber Life Insurance for children, but don't know if I need it. The price seems to be less than what I would have to pay at my job. Is this something I need?""

Health Insurance Grace Periods?

Which health insurance companies offer only a 30 day grace period? Thanks.

Milage limit for classic car insurance?

I'm thinking about insuring my 79 Buick through Hagerty, they offer guaranteed value coverage and are support to be cheaper then regular insurance, I have not got a quote yet. But I plan on driving the car at LEAST 30,000+ miles a year. So do they have a mileage restriction or are they unlimited, any input from people who have experience is welcome and also maybe another classic car insurance company recommendation. Thanks""

2005 Pontiac G6 GT Insurance?

I have a 05 G6 GT. I am an 18 year old male living in kansas and I want to know how much monthly insurance should be? It is a 4 door car.

What insurances do I need as a home-owner?

And any advices on insurance providers? Good service and price?

How much will my insurance be when I start driving next month?

I am turning 16 next month and I'm just wondering what the insurance cost will be. I believe I'll be driving my dads Chevy trailblazer which we've had for 5 or 6 years and has been paid off with no wrecks and such. We live in NC. In one of the country parts (not going to give out where I exactly live sorry creepers). I'll only use it to go to school which is like 5 minutes away and work which is right around that same time and maybe occasionally go into Wilmington which is like 30 min away. Thanks!

Car insurance policy?

Hi.A mate of mine purchased a car insurance from AA.com in july2008 & paid the full annual amount upfront. About 6 weeks later someone vandalised the car,so she he called the police & AA to report the incident.He told me that the AA said The damage sounds like it will have to be written off ,If this is the case,does he get the remaining 46 weeks of this insurance money back?,I know this sounds silly ,but he thinks by asking the AA ,they might accuse him.....Thanks""

What does 10-20-10 mean on auto. ins.?

What does 10-20-10 mean on auto. ins.?

""Do traffic schools, particularly in California, prevent an increase in auto insurance rates?

I just received my first traffic ticket :(

Why is car insurance so high in UK?

I want to insure a 1.0 litre 2000 Vauxhall Corsa 3 door. Im getting quotes for 3000 - 5000, does anybody know why this is? Its really annoying now""

How much would insurance for a 16 year old(male) driving a BMW 2006 650i be?

My parents have no accidents or tickets ect that they look at when you're getting a quote. I just bet them that I could get a quote for this car without them ^_^ I livee in washington 98037. Verryy Much appreciated if you could try and see how much the quote would be. Also, I have a 3.8GPA. (P.S. Don't Be A Stalker)""

Insurance for a camero?

When I turn 16 or 17 I want to get a car and It will either be a 2012 camero or a Jeep Wrangler Rubicon. Since I am young how much will the insurance be for either of the cars?

Can i stay on my sister car insurance?

right now i am 18 and living with my sister and i am on her car insurance, but in about 4-5 months i am moving out. Can i stay on her insurance even though i wont be living with her?""

Lafayette Indiana Cheap car insurance quotes zip 47905

Lafayette Indiana Cheap car insurance quotes zip 47905

Are vauxhall corsa's cheap on insurance?

Are vauxhall corsa's cheap on insurance?

Any lawyers or insurance agents out there?

I won a long fought Small claims case. The lady I sued has insurance, business insurance, not car related. 8 months ago her insurance company denied the claim. I went to Small Claims and won. Doesn't the insurance company now have to pay me if I send them a copy of the final judgment? I also won on her appeal, so its final. Thank you.""

Is The General for car insurance good?

I want the cheapest car insurance I can find cause im broke for awhile. I have state farm right now. the general seems like its the cheapest but whats the catch. anybody have it

First time Car Owner Getting Insurance?

So I live in Massachusetts, going to school in Utah this summer. I'm not under parents policy, and have to start my own policy. The thing is that I found a good deal but it's in Arizona. With a Mass driver's license, Can I buy a Utah insurance to cover the AZ registered car, before I got it registered in Utah? See I have 2 twists here, Mass resident wanna drive a AZ registered car in Utah. of course I will have to change the title/ registration under my name, but I'm asking how should I cover insurance before the car gets completely legit in Utah. Hope you can understand my problem. PS: I know I don't have to convert to a Utah License, but I can if it's absolutely necessary.""

I'm 17 just got my driving licence (UK) How can I get my insurance cheaper?

I'm 17 just got my driving licence (UK) How can I get my insurance cheaper?

I need health insurance in california?

i really need health insurance i have a really bad sinus problem & ADD i already had a surgery in the past for my sinus problem and i had healthy families insurance and they paid for it and they used to pay the office visits too my mom only paid $5 copay and since i turned 19 i cant have that insurance anymore is the some other insurance that is full coverage and is not very expensive? i already tried getting medical but did not qualify and i dont have a job because everyone is getting laid off over here

What type of motorcyle is the cheapest to insure?

I heard that insurance is based on ccs and bike type....so what type of bike is the cheapest to insure

How much car insurance coverage do i need for my car?

I totaly own my 04 toyota corolla What do you guys think the coverage should be...

What company provide cheap life insurance?

What company provide cheap life insurance?

Whats the average cost of insurance for a young driver?

If i only have liabililiy on gieco insurance . I am 16 and want to know if i get my permit how much the cost of insurance will go up .

Can my mom carry me on her car insurance?

My mom lives in GA and has transfered her car insurance over to GA, but I live in SC and am getting my permit in SC. Can she still put me on her insurance even though I live in SC and am getting my permit in SC.""

Will a 9 mph over speeding ticket effect my insurance in NC?

I got a ticket for 53 in a 35. When I went to court the DA lowered it to 44 in a 35.. 9 mph over. Will it effect my insurance? I live in NC.

Car insurance going up?

We were involved in a hit and run accident. Obviously not our fault, but the people that did it drove off. They've yet to be found. Our car was totaled and we're currently waiting on a payment from the insurance company. My question is, will our monthly car insurance payment go up, even though the accident wasn't our fault? Also, if they find the people that did it (there's more to the story and we're waiting on fingerprints from the car) is it possible to get their insurance to pay the extra amount if ours DOES go up?""

""Speeding ticket in Ontario, How much will an increase be on my insurance per vehicle?

I have just gotten a speeding ticket in on my Ontario driver's license. Can anyone tell me a rough figure as for how much as an average I could be paying on extra insurance for my vehicle when it gets updated? And how long will these penalty premiums be in effect? Thank you.

How can you convince your parents to allow you to get your own car?

We went to the Ford Dealer and there was a 2007 Ford Taurus SE. The dealer wanted $8700.00 that is with tax. So I test drove it and took it to a mechanic nearby and the car checked out fine. My mom and stepfather went into the finance department and I waited in the room adjacent to them. The bad part is that I couldn't get the car because they had a small discussion about how much gas, insurance, and maintenance the car will cost. So I left the ford dealer with no car. My mom said because I am a young man I could buy my own car and take on the responsibility of a young man. I told her can she please do it and I will pay her back over the years. She said no and my stepfather said come on man lets go home. I felt a little embarrassed because everyone in the lounge was looking at me. So how can I convince my mom and stepfather to buy me this car.""

I need to know about car insurance?

so i got in a lil lil car acdent it wasent realy even one i just left a scarb a lil one on his car see i was on the highway my breaks dident stop in time i was going really slow when it happen and it left a lil scarb on the back of his car so he said if i have 220 dollars by saturday he will not cal my moms car insurance if he calls the insurance would my mom find out? and what would happen if he called them?

Does anyone know any reason why my employer does not want to set up a cafetiria plan for my health insurance?

payments. There are just 2 employees. Does it cost anything for the employee to set it up? Is there additional filing required with the irs? My employer does his own payroll using ...show more

Medi-Cal california insurance question?

A girlfriend of mine is applying for Medi-CAL for herself and her 6 yr old (they both need minor dental work). When applying, they docs ask for her Ex's information and whereabouts.We think he gone onto unemployment and she wondering if the state will go after him for the dental bill. Anyone know for sure? Best answer gets ten points!""

Buying a car in California?

I'm moving to California next week and I would like to sell my car here in NC. I will pay cash for a vehicle at a dealership when I arrive in L.A. When I buy it, do I have to have a CA drivers license? I will not have a permenent address right away, so I was wondering what the procedures are? I have a NC drivers license but will not establish residency in California until I find a job. Any help? Thanks""

""When changing auto insurance company, is there disadvantage?

I have an auto insurance with my honda civic si 2001. I got the quote last year from Johnson.Inc. comprehensive $230 every month. Someday they called me said some mistake with my quote and change the price without permission goes up to $400per month. I want to find another insurance company I mostly got quote around $300 comprehensive per month without deductable.But don't know do i have to pay any penalty or disadvantage to change it?

Is there anyway around this massive car insurance premium?

I have seen a beautiful 2.0L Ford Focus ST170 for 4000. This is a dream car for me right now, but after checking some insurance premiums, I have found that its more expensive to insure. I'm 18 with 1 years experience and 1 year of named driver experience discount. Even with that the premiums reach +4000. Am i just going to settle with a Zetec 1.8 Focus for 1300 a year? Thats the alternative...""

How much will my insurance increase if i get a 1994 mustang ?

I'm 18 and right now i have a really crappy 1994 mercury topaz and my parents pay my insurance, which is $110 a month, but they said if i want a better car, i have to pay the insurance increase and was wondering if someone could give me an educated guess of what ill be paying. Thanks""

Is insurance required to buy a car?

I live in the state of Washington. I just turned 18 and obtained my driver's license. However, I have been driving for two years now without insurance and license :/ fortunately without any encounters with the law. Anyway, I want to buy my own car now, my first car, so I'm looking for something local on craigslist. My question is, is it required for one to have insurance in the state of Washington in order to buy a car? I've obviously never done this before so if you could explain how this works I would appreciate it. 1.) What exactly do I need to pay for besides the car? (license plates, registration?) and 2.) Do I need to have insurance? (or can I just pay the person for the car, get the paperwork, and it's done, because I can't afford insurance at the moment. Again I've never done this before). Thank you""

What's a good auto insurance company that has a good rating?

I have four cars.... no tickets or claims in years.. I have insurance now, but I think I am paying too much. Only one of them is driven on a daily basis..... the others very infrequently.""

Does the Year of your Car affect Insurance Prices?

Does the Make of Your Car Affect How Much you are Charged for Insurance? Does the Year of Your Car Affect How Much you are Charged for Insurance? Does Having 2Doors Always Rise How Much you are Charged for Insurance? No Baby Answers.

Lafayette Indiana Cheap car insurance quotes zip 47905

Lafayette Indiana Cheap car insurance quotes zip 47905

""Since we pay for car insurance in case sh-t happens, shouldn't we get that money back if sh-t doesn't happen?""

Car insurance is the biggest rip-off ever. I hate paying it. Sooo in case stuff happens, insurance takes care of it but then your rates go up!?! WTF? So if nothing goes wrong for a full year, shouldn't we get our money back?""

What is health insurance reform?

Im doing a research paper on health insurance reform and i googled what it means and its just to confusing i dont get a definition. can anyone explain to me what health insurance reform is and whats the differences between health insurance reform to health care? how do they work? please and thank you =)

Is there a car insurance company in the UK that offers competitive quotes to drivers with penalty points?

My husband has 9 points on his license which are all from Dec 08. We are looking into getting a second car but most insurance quotes are shocking, just wondered if there was a particular insurance company who specialises in insuring such drivers? Thanks.""

Insurance For a 2006 Bmw M5 For a New Driver?

Im !7 and im thinking about getting a 2006 Bmw M5 What will the insurance rate be? Right now im driving a 2011 BMW 535XI Station Wagon will the M5's insurance be more or alot more?

How much is car insurance for a 16 year old?

Hello. I am a male and I will drive a 08 mustang. none of my parents have caused an accident.

Approximately how much does it cost to bond and insure a sole-proprietorship pressure washing business?

Approximately how much does it cost to bond and insure a sole-proprietorship pressure washing business?

Exactley how does term life insurance work?

Whats the difference between regular life insurance and term?How does term work?

""Does anybody know where to get a cheap 50cc twist and go moped, with cheap insurance?""

Does anybody know where to get a cheap 50cc twist and go moped, with cheap insurance?""

What is an SR22 insurance?

Why do i need an SR22 ? Can someone Explain what it does? How about the cost?

Is ehealth insurance good?

i just bought insurance there. then checked out scams im freaking out a little but my mom says in no big deal. its just other broker trying to compete. I called ehealth and asked if i was to buy from the medical place myself would it cost me less? They said no, they charge no brokers fee. so Im a little confused. Help anyone? thank you!""

Car Insurance Liability who should pay?

My friend was driving my car. We were going to a marketing research session where we were both to make 125.00. I figured my car is nicer, I like a/c and she doesn't like to turn a/c on to save gas so she drove my car. Afterwards, we stopped at Taco Bell and in leaving the parking lot she hit a STATIONARY pole outside of the entrance way which was put there so the box trucks don't hit the overhang of the building. The pole was on the left hand side which means she should have been further over in the lot coming around the corner cause its a 2 way in/out and she hit it on the driver's side which means she was on the wrong side of the road. My car had 6000 of damage. MY insurance is covering everything except my 500 deductible. She wants to pay 250 instead of the 500 and have me go after taco bell for having the pole there. There is no law saying they can't have the pole there and I do not need the grief. Is she responsible for the 500?""

Is motorcycle insurance expensive for beginners?

Is motorcycle insurance expensive for beginners?

Best value Florida auto insurance?

I just moved from Illinois to Florida and am looking for auto insurance because my own company is upping my price from $125 to $275 a month with the same coverage (100/300K BI, 50K property, 100K UM, and roadside assistance) with the move. Upon obtaining quotes, the best I've gotten is with Esurance which is just over $200 a month. It seems that adding BI to any auto policy ups the price pretty heavily. Are there any mid-level or local insurance companies in Florida that generally offer better premiums than the heavy hitters I've been quoting with? I'm in Port Richey.""

Best auto-insurance for teen driver texas?

I'm 16 and i'm almost to getting my full license. I being looking around for insurance and my best choice is to have a add on to my parent's insurance and that's $200 each month. Is there any place where i can get lower price than that? Never have an accident or trouble with the law, B+ student, took Defensive Driving.""

A better way acquire an affordable health insurance to cover my family?

if I work for, say Pizza Hut as a part-time while I earn $65K/yr full-time job? I dont want to spend too much monthly payments on health insurance?""

What online auto insurance gives you multiple quotes and is free?

?????????? free quotes????????????????

""Who has the most lenient car insurance? Husband has points on his license from speeding, need cheap coverage.?""

Who has the most lenient car insurance? Husband has points on his license from speeding, need cheap coverage.?""

Car insurance price comparison?

I'm 17 and possibly getting my own car, but my parents are concerned about the price difference between getting added on as a driver to one of their cars and being a sole driver on my own. We use geico, and i would be getting a used 1998 honda civic. message me if more information will help""

Kaiser Insurance Premiums Refund?

I enrolled in Kaiser through State of California Employee Insurance program. Right after the enrollment, I cancelled the Kaiser in the middle of Febuary because my wife's employer had better deal for the familiy insurance. Kaiser sent me the insurance card. However, I have not used the Kaiser health insurance. State of California deducted my payment for the premiums. Since Feburary was the first month of the insurance coverage, and I have not seen the doctor with Kaiser, could I ask Kaiser to refund the premiums? Should I contact Kaiser directly or I have to go through State of California HR? Thanks.""

How much would it cost for a male teen driver?

How much would it cost for a old 1969 chevy Malibu and to fix it up. And how much would insurance cost for a male teen driver

Can I insure a car not registered to me?

My 22 year old daughter is in college and on my car insurance currently. She is getting a new/used car. Does it have to be registered and titled to me for me to be able to put it on my insurance? Can it be titled and registered to her and still go on my insurance? Thanks.

How much will car insurance cost if I decide to buy a 2000-02 Chevy Corvette?

I have a clean driving record; I have never been in an accident, no tickets, no nothing. I'm not saying its true but I heard from a friend that it cost about $500 a month for car insurance for the vette?""

Insurance rebate?

If you cancel your car insurance, do you get a rebate as you do with road tax?""

Is it possible to cancel car insurance mid policy?

In the UK. I am about to buy a new car and want to cancel insurance on my old car and get insurance from a different (cheaper) company for my new car. Is this possible?

How much will a dwi increase your full coverage insurance?

that is, of course, if the insurance isn't dropped all together. it's already high because i ran into a parked car last year (and no, was not drinking). so how much will it go up (% wise) for full coverage and then what percentage for just liability?""

Lafayette Indiana Cheap car insurance quotes zip 47905

Lafayette Indiana Cheap car insurance quotes zip 47905

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