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I will be out of the country, car insurance.?

I will be out of the country for almost 6 months, what can I do with my car insurance? No one else will be driving my car, and I don t want to pay for my insurance if I am not using my car. What can I do?

BEST ANSWER: Try this site where you can compare free quotes :4insurequotes.xyz

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Thaxton Mississippi Cheap car insurance quotes zip 38871

"Thaxton Mississippi Cheap car insurance quotes zip 38871

Thaxton Mississippi Cheap car insurance quotes zip 38871

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Will my auto insurance go up?

I am a California San Diego resident. Four days ago, it was raining very heavily and I was driving a carpool lane on the freeway at about 60-65mph. All of a sudden my car hydroplaned and spinned 360 degrees about 3times and then it finally stopped when my car's rear crashed into the concrete median. FORTUNATELY, it was 4am and this accident did not involve anyone else. I had to leave the place like nothing had happened, because I was on my way to the airport. When I arrived at the airport I looked at my car's rear and the bumper and trunk was heavily damaged. Now, I am in a foreign country enjoying my vacation. My questions are following: (1) Will my insurance go up if I report this accident to my auto insurance? I have a full coverage. (2) Will I be in problem if I report this accident when it has been 4days? I really had no time until now because I had to fly and then settle a problem over here in Asia. Any thoughts/opinions are very welcome! Thank yoU!""

Car or Insurance first?

I'm 25 years old and just got my driver's license and was wondering if you get car insurance first then get your first car or if it's the other way around? ADVICE PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Free Insurance Quotes Online?

Hi, I just bought a car and I need to get insurance asap so I can drive. A friend told me you can get free insurance quotes from websites online. Is it true?""

I am an OAP with a car and want to insure my son 17 to drive does anyone know of a cheap insurance company wit?

""Car accident person at fault has no insurance, what now?""

had a car accident a week ago, minor injury to wrist havent gone to doctor, other persons fault, person B failed to yield while turning left and drove right in front of me. I have full coverage on my part, however fault being hers i made a claim to insurance she provided to police report. the thing is that the owner of vehicles insurance policy does not have person b listed on that policy but person b has same home address as policy holder so technically theyre insurance will not cover me. they have restricted non standard policy, and i do not have uninsured motorist coverage on my policy nor car rental coverage. their insurance is investigating this in he meanwhile so they say. i am not sure whether i should get my insurance to handle this, if i do i would have expect higher premium, pay deductible, rental car and medical fees out of pocket. I am wondering if i should have patience or start looking for a lawyer and forget my own insurance.""

Car insurance cover note?

Hello. Could anybody please help me to sort out? The thing is that at last I have just registered my European left-hand drive car in the UK. Before that not too many insurers could insure such a car,but I've found AJ Car Insurance company. They sent me a monthly Cover Note until my installments have payed in full, but the last Cover Note has been sent 5 days later then expected,because the insurer just forgot to send it on time and sent it after I reminded them...In fact they left my car without insurance for 5 days ... So can they do so and what can I do in such situation? Can I charge this company for that and how? Thanks anybody who answers my question.""

Washington State Car Insurance?

I am 21 years old, and I just bought a vehicle, and transferred the title and everything. HOWEVER I only have a Learners Permit. Is it possible for me to buy insurance for the car, to use it to learn to drive prior to licensing? I don't have a spouse or parent with a car or auto insurance, so that is out of the options.""

New Car Insurance?

I just bought a new car. I put down $7,000 and am paying $197/month for five years. I purchased car insurance, and the monthly premium is $358. Is this too much? I'm 18 years old, and I live in Colorado. I know it's going to be high because I'm a teenager and it's a new car, but does this seem like it is too high?""

Why do men pay higher car insurance?

I have to type a 1,000 word essay on why men under the age of 25 have higher car insurance rates, and it's due on Friday, I already the majority of it done, I just need some answers and links to websites giving a detailed explanation to why younger have to pay more. thank you :)""

How much would insurance be on a 2007 scion tc in Texas?

Im 19 and about to purchase a 07 tc, but I dont know the average cost of insurance for a tc would be""

Child support and health insurance???

If someone is going to provide health insurance (and dental,vision) for a child does that lower child support even a little??""

How much is good car insurance for a uk driver?

I'd like to know what the average monthly payment is for reasonable car insurance, to see if the quotes I'm getting are reasonable. This is for a UK driver with more than 15yrs driving experience. Also, what would be a reasonable amount if you added a newly qualified driver as a secondary driver to that. The car is a 2006 Ford Galaxy. I know it all depends with the other extras etc, but I just want to get a rough idea what is the average monthly insurance that would be reasonable to expect.""

Speeding ticket and car insurance?

I got a speeding ticket, paid for it, went to traffic school to get it removed off my record. But before it got removed, my car insurance found out and now i want to change to a different car insurance company. If I change car insurance companies, will the new car insurance company find out I had a ticket from my old insurance company? Thanks for your help, I'm so confused!""

Am having two different auto insurances on two different cars but are both in my name.Is it legal?

I have 2 cars, I just bought one cash. So I already have full coverage on one car and its paid for 6 months, and I want to add insurance on the other but with a different insurance company because it is cheaper and I will be getting only liability. Is it legal to be carrying different insurances or are they required to be both with the same company? I live in Texas! Thanks in advance!""

What car insurance would be best and not so expensive?

My NOW husband has not had a car for about 5 years now. Since we've lived together we' driven my car so he hasn't had any type of car or car insurance payments to his name for 5 years.

Is it true that my car insurance is going to cost more because of my toyota's recalled problems?

A good begginer bike thats fast and cheap on insurance?

I'd like to no what kinda sports bike/cruiser would be a good starter bike that's cheap on insurance and gas, I don't want anything shaped like a harley more of a sports bike shape. Any suggestions?""

How much does it cost to insure a new driver?

How much does it cost to insure a new teen driver? My insurance company sent me a sample price, and it was 5,000 for a six month period on a 2010 ford, and 3,000 for a 2008 toyota in the sample, so my question is, how much less would it be to insure a peice of crap car? Like a 91 honda""

Where can I find a good car insurance?

I leave in Los Angeles. at the present time I have insurance with Farmers but I want to change it because it is expensive. I'm thinking about Progressive Insurance, What do you think and what else do you suggest? Thanks""

What if I don't want to have Obama's health insurance or any health insurance?

I have had health insurance through my employer for the past 10 years. It covers everyone in my family and I pay about $70 a month for it. It's very affordable and I hope to keep ...show more

Insurance - length of driving discounts?

So I have been driving for 3 years now (starting a couple days ago). I have allstate car insurance. I am listed as a 4 principal driver licensed 2 years and 6 months, but less than 3 years and I just called to be updated to a 0 principal driver licensed over 3 years . Will I be saving a hefty more on my car insurance? I am currently paying a premium of $776.50 every 6 months. That includes a good student discount. I am still only 19, but I will have been licensed for 3 years. Will this give me a good discount? And how much do you think it will decrease?""

Can i buy CAT 'D' INSURANCE WRITE OFF Vauxhall 2007 Car?

I have seen a car that I really like....Vauxhall Astra 1.6 Club, Manual 57 Plate...with 45,000 miles on the clock.... im a new and 24 years old young driver. Really liked it when I saw it....this car sell on ebay just 2500 recorded as a Cat D Insurance write-off on 14 Aug 2012 ......Now im really confused because I really like the car......Any advice please? Seller say car was excellent condition, nothing any wrong. buying guide please""

I wrecked my motorcycle with no insurance in fl help?

So a year ago i wrecked my motorcycle, crashing into another car. I did not have insurance or a motorcycle Endorsement. I live in fl so im kind of familiar with the not at fault law. However the insurance company from the other party has sent a bill for 9k an request i pay it. Some people are telling me to ignore it an others are telling me to pay. Need help would be thankful. Im trying to be a firefighter paramedic an i do not want this to kill my chances. Thank you""

What does full auto insurance cover?

hi, i bought a 2005 saturn on sat. i am tryng to get insurance quotes, so what i need to know what exactly does full coverage include? details please!! NO RUDE ANSWERS!!!""

Which insurance company offers the cheapest workers comp covers in the market??

non owner car insurance quote california

Private health insurance = cheaper and better care?

Statistics show that US citizens pay almost exactly 2X per capita for health care compared to countries with government-supplied general health care. As with so much of our ...show more

Car insurance for an 18 year old parent?

will having custody of a child help lower or raise my insurance, btw thanks for those who help""

Cheapest Motorcycle insurance?

I have a job & have paid my car insurance fully each month since I was 16 it was expected of me. I also tend to pay for my motorcycle insurance I have 2 jobs & go to College. I have had 3 speeding tickets 2 in 2008 & one in 2009 2 were around 10MPH over & the 3rd was around 15ish. I have my reasons for speeding regardless drive down the interstate & find more then 3 people that don't speed..SERIOUSLY I HAD PLACES TO BE cops are prejudice. Anyway I want a 02 or newer Motorcycle & state farm is my current provider although I know that are Top Of The Line & I just want the cheapest insurance for motorcycles. I understand my rates will be higher then average but I turn 21 in a year and it can only drop. I just need some Input here. Thank you!

Which insurance company is better.. AllState or MetLife?

My husband and I want to get a 20-year term life insurance next week and will meet with some reps./brokers. Down the road we will probably add auto and home insurance. If you are a customer of either company do you recommend them in regards to their required premiums and quality of service? Your imput is greatly appreciated. Thanks.

Whats the average price of insurance for a moped ...vespa...49 ccs in Los Angeles?

I'm 17 yrs old and am planning on buying one when im 18... so i want to know the average price of the insurance for someone barely obtaining their license... i'm guessing its way more convenient then paying a ton of money for car insurance...

What are some good affordable dental plans for an individual?

I currently have no dental insurance and I need something really affordable. Serious answers please

What to put in to get the lowest/best insurance rate quotes?

Do I need to be honest? I own the vehicle. I am starting to get a new quote. For primary use of vehicle what should I put; Commute (school), Commute (work), Pleasure, or Business? I use it to get to work. I am also being asked how many mileage driven to go to work or mileage one-way, and the annual mileage. Is there a trick to getting the lowest rate on what to put? I am a very careful driver. I have not had any accidents in the past 3 years (nor anything major prior). I know these insurance companies only want to know about the last 3 years of my driving history. I am clean. I only need the legal state (Maryland) minimum amount to insure. Any advice on how to get the best rate quotes? I'm currently with Progressive, but might switch to Geico.""

What is the cheapest but best car insurance for NYC. thank you.?

1967 dodge dart need insurance fast if you can please help.

What is the cheapest liability insurance for teens? ?

Hi, im 17 years old and i am looking for liability insurance for my jeep cherokee. im a guy, not a girl... What would be the cheapest liability insurance for me?""

Car insurance problems?!?! Need help!!?

Basically my hubby took out insurance about 10 months ago with a new insurance company. He had 4 years no claims with his old company so informed the new company of this. The new insurance company have been taking out the payments every month from our bank however we have never had his insurance documents off them. When he contacted them the other day to query this they informed him that because the old insurance company will not supply them with no claims info they can not cover him. However all this time and even today they have taken their monthly payment. Surely they should not be taking payments for something they are saying they can not cover?? They have sent him a 30 day temp cover note for now while we try to sort it but it isnt looking good at the mo. My question is should they have cancelled the agreement before now then and ceased taking money from our account?

How much should i settle my auto injury claim for? please someone help me out!?

Question Details: i had an acccident about a year and half ago and i was a passenger. i have no health insurance and have been footing all medical bills thus far. i am writing a demand letter right now but am wondering how much should be my compensation request. here's a brief summary. the other driver is at complete fault. i have all soap notes from doctors,bills and reports. we were hit head on while on our way to my root canal surgery, i was having my permanent put in. i had to go in 2 weeks later wearing a cervical collar. i have choronditis, back sprains and horrible knee contusions still left on my foot. my doctor has recommended physical therapy for up to 3 months but i can't afford to go anymore thus why i am trying to settle. total medical bills is about 12,000 not including other misc like pills. i just don't want to ask too high or be taken for a fool,so please help. thanks. also the insurance company has never made an offer they said it was a hard hit. both cars in""

How much is the average cost of premiums for E&O insurance for a CPA firm?

I'm wondering what would be an average estimated cost for e&o insurance costs for a CPA firm? the firm has more than 3 people and more than $400,000 in revenue""

Car insurance - What's the car worth?

In the past when ever i've been asked by insurance companies what my car is worth i've always told them the amount that i think i could realisticly sell it for (what its worth? or so i thought) If i was to sell my car i would be able to get around 1200-1300, which is what i would say 'it's worth', HOWEVER, recently after putting my reg number into a price comparison website it automatically came up with a value of just 700. (My car has low milege, fsh and is in v good condition so is worth more than average) So my question is, if i tell them it's worth say 1250, take out their policy and then i write it off, what will they pay? The amount i told them or 'their' valuation. Also, am i paying a higher premium than i should because i'm telling them it's true value instead of their lower valuation? and if so, how many other people are doing this?""

What is an annuity insurance?

Tour guide car insurance?

I am thinking of setting up a new business where I would offer car tours of the Cotswolds, I was wondering if there was any special car insurance (or/and other insurance/licenses) that I would need? I have Nissan x-trail 04 number plate. I have been on comparison websites, put in my occupation as travel and tourism then tour guide and it comes up with lots of quotes, but when I ring them to confirm that they are actually covering the correct things they say that they don't cover it. So does anyone please have any specific things that I will need in order to be fully/properly covered? Note: Everyone tour I do is pre-booked, I can not be 'hailed' on the street to do a tour, so I am not a taxi.""

""If someone gets a ticket in my car, will it have any effect on my insurance?""

My boyfriend got a speeding ticket in my car, and the ticket has my tag number and registration number on it. Will it effect my insurance?""

How much money does the average middle class family have left over after expenses and bills each payday?

I live in military housing so I don't pay rent, electric, gas, or trash. I only pay phone and cable and car payment/insurance. I take home about 1200.00 every two weeks. How much should I be able to save?...keeping in mind that I have three children (two of whom live with me)""

Anyone know of cheap health insurance?

I am always in the ER but I have no insurance so I would really want to stop paying those expensive bills...

How much will my car insurance cost?

I'm planning to get a car this September. - The car will have a maximum of 1.4L engine and will probably be a VW Golf/Polo, Ford Focus or a Vauxhall Corsa. - I will be 20 years old and will have been holding a driving license for 1.5 years. - I am planning to use the car at University (Nottingham) and have off road parking space. I am a medical student. - I have not been insured on any car before, hence don't have any no claims, but parents have loads and I'll be getting them as first driver. So, how much would I be expecting to pay for a year? Please don't suggest comparison sites.""

Isn't it mathematically impossible for EVERY car insurance company to save me $300 if I switch to them?

I'm just complaining about the Lyin' Lizzards, so don't bother pasting in a car insurance website, and don't bother telling me that it's just advertising. First person who doesn't read this part is an idiot. And the first person to tattle on them in their answer gets the 10 points. Good luck! The hunt is on!""

Cancelling car insurance?

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

How much would nyc car insurance be for a 19 year old insuring only himself? ?

Whish insurance compay should i go to (auto)?

i just bought a 2000 Toyota camry Ve last night and i have never had any insurance before because i havent need it , i am 23 years old and i am looking for insurance some people told me go to Gieco has good prices""

How much money off my insurance will driving school save me?

I live in calgary alberta and my dad just put me into driving school. I was wondering, by how much money would my parents monthly insurance costs be raised with out driving school if i were an occasional driver. How much money is it going to go up by after i take the driving school? im a 17 year old male. i dont have my licence yet but im taking the road test on friday, the day of my final driving course.""

What is the best affordable car insurance for young adults?

I just got a car and wanted to get insurance on my car but dont want to pay a lot of money for it. what do you recommend?

non owner car insurance quote california

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

I have been trying to get car insurance quotes online but I dont understand what the above terms mean Also if my road tax (UK) is not due for renewal till thursday can i buy it today? Will they adjust the date for me. Any help will be appreciated Thank you for your time

Cheap 17 Year old car insurance?

I have just passed my driving test and can't find affordable car insurance. I would not be the main driver of the car as I would use it less than my parents, yet I cannot find a quote cheaper than 3000 on my 2004 Fiat Punto 1.2L Petrol.""

I just moved to california and brought my car here?

I just moved from florida to california, and i really need to know what i have to do? With the license plate? Registration? All this kinds of things, and for how long I can be driving with the florida plate and drivers license? Thanks for the help guys!!!""

Why did my homeowner's insurance double?

I have made no claims on the insurance and absolutely nothing has changed with the house (no pool, no trampoline, no dog, nothing.) Everything is identical to when I renewed last. Why would the insurance double when nothing has changed whatsoever?""

Auto insurance. please help me. =)?

I'm sixteen and i just got a truck. it's a 1977 dodge pick up 4x4. i can't drive it without insurance and i don't know where to get my insurance from. i've tried getting online quotes and stuff and it didn't work. anybody know a good insurance company with a plan that covers the basic stuff i need just so i can drive my truck?? thanks. =)

Need advice on good dental insurance plan in California.?

Hello, I am looking for good dental isurance policy for one person. I currently work as a temp, and dont have insurance. I was looking to spend around $30 a month, is this too low? I need something that is rather comprehensive. Thanks""

Would car insurance be more on a newer 2-door red sports car or an older 4-door sedan BMW?

Basically, I am a 20 year old college student and I am going through the proccess of buying a car. I have some family friends helping me out. They told me I could get financed for a 2006 red 2 door sports car but I am still on my parents insurance and I don't want it to skyrocket. I will be paying for my car but I don't want to make my parents pay a ridiculous amount for my insurance. I would just like to know which one is more likely to be cheaper...""

Is there a way to find out someones insurance company only with their name and address?

i also have a license plate number. is there a website i can go to that i just type in someones name and their insurance company pops up?

Insurance to drive in Florida?

I am 18 and live in Florida. I don't have my drivers license because my parents say I have to have a job to pay for insurance..Ive been looking for a job for a while now but no one seems to be hiring in my area. I know my parents will pay for my insurance if it was cheaper..right now its around $200. I read that if you're driving someone else's vehicle then you don't need insurance as long as the owner of the vehicle has insurance..can someone please explain this to me? Will I be able to drive without insurance?

""Is a $2,000 deductible 'affordable?'?""

Obamacare: Is a $2,000 deductible 'affordable?' http://money.cnn.com/2013/06/13/news/economy/obamacare-affordable/index.html""

Car Insurance for youth?

What car insurance company is usually cheapest for a new driver with a car in the early 90's (1991 Grand Prix) for liablity only. I would go on with my parents but the company they have forces me to pay on every car they own and its just waaaay to much for me since im just starting out in the workforce

Insurance for the baby?

Before you judge, I have a license, car, job, and apartment and am stable with income. I'm 17, and will be 18 by the time the baby is born, and I am covered under my fathers insurance which was established 17 years ago through my fathers work. Its Cigna PPO. Since then my father has been layed off because the plant closed down. He still has the insurance from his work and does not pay the huge bill because it was covered by his work. Now I'm Pregnant and, I'm trying to understand how insurance works. The baby cannot be added to this insurance because It has already been established. I know this for sure because my brother, 22 and unmarried, had a child in November and his child could not be added to our insurance plan. So will you please help me find insurances, Private insurances not state? Also can the baby be by itself or must it be with it's father or mother, me, on a plan?""

How much does liability insurance cost? How much coverage do I need?

I am planning a day camp this august. I know I need to purchase liability insurance just in case, but how much do I need? There will be a maximum of 140 girls, 55 leaders, and 30 younger siblings (of leaders), (thats 225 people). The minumum would be roughly 50 girls, 25 leaders, and 10 siblings... I just need a guestimate as I am working on the budget and am trying to figure out how much to charge the attendees.Also, how much coverage do I need?""

Automotive Insurance?

Insurance designed to protect an insured driver or owner from the claims of others is called: collision insurance financial responsibility insurance liability insurance comprehensive insurance

What is the cheapest auto insurance?

Best health insurance for a 63 year old male?

My dad retired at 62 and a half... to make a long story short, he was promised continuing health insurance from his employer but now they are saying they will only be secondary- meaning they only pay if he buys a primary. What would be a good option for health insurance for him? Unfortunately, he is a smoker and had a stroke... he is 63 and a half right now.""

Best insurance company for a jewelry store?

I need and insurance company to insure my jewelry store. So far I found jewelers mutual but they're expensive.

Does Scrapping my car Affect Insurance?

I have 2 months left to pay on my insurance, after this 2 months i will earn my 1 years NCB - will scrapping the car affect the insurance and my ability to get the NCB. Car needs to be scrapped as someone damaged it badly, costs too much to fix and if i claim insurance will go up, so just wanna get rid as it has no tax or mot. UK question""

""My Daughter starting driving lessons, { she 17 } where is the cheapest place for insurance for when she pass?""

I drive , could she go on my insurance ? would that go up? I have 7 years no claims. Thanks .""

""When changing auto insurance companies, am I bound by law to show the new policy to the old insurance company?""

Say, today is 1st Feb'09. I had an auto policy (from Farmers) that expired on 1st Jan'09. Today, I buy a new policy from a different insurance company(AAA). When I discontinue service with Farmers, am I bound to show the new insurance policy to them? Also, will I get charged for the period from 1st Jan'09 to 31st Jan'09 by Farmers?""

""Does the car title have to be transferred to your name before you get insurance, or insurance then title?""

in illinois.... ....a car was given to a friend. he needs to get insurance. does the title need to be transferred first? Also just moved to another state, so does the insurance need to come from the state the title was transferred in""

Will my dui affect my dad car insurance rate?

I got a dui and my licence is suspended and I currently don't have car insurance. Im not covered on my dads plan or any plan. When he gets new car insurance next month will this affect his insurance or no because im not on his anymore?

""Auto Insurance, Please Help!?""

What are good coverage amounts for Bodily Injury, Property Damage, Medical Payments, Uninsured Motorist and Under-insured Motorist for auto insurance? I just want to make sure i have enough coverage for my insurance.""

What is the cheapest car insurance company ?

The only way i can get a inexpensive sports car is to find my dad a better insurance company.

Funny Radio Car insurance Ad?

I heard a hilarious radio ad for car insurance, and it was with a guy singing something like, I am driving in my car, Hey some is swerving toward me, I guess it's my lucky day, I'll get out of the way! Then a narrarator says, in real life it happens more like this, I am driving in my Ca------ and then someone hits him. If anybody knows what this ad is for or where i can find it that would be awesome!!!""

non owner car insurance quote california

Can Americans get health insurance offshore?

The health insurance in America is WAY too EXPENSIVE.

Im 21 and a new driver how much would my car insurance cost on a honda civic type r 02 reg?

Do I need to buy auto insurance for my used car dealership?

We are just starting out and wonder if our personal car insurance would cover test drives, or our driving the vehicles. It is a sole proprietorship.""

Does full coverage insurance replace your car if totaled?

How much do insurance companies pay you on a vehicle if it is totaled? how much it is worth or how much you paid for it

Health insurance over seas?

my grandma is going to japan for a little while, and she is a bit older and her health is a concern. if anything happens over there.. is there a way to get health insurance in japan? or does an insurance company have a special coverage?""

Is the American health insurance is like Car insurance?

Life insurance and all the other insurances? And you pay it every month and how much? Or what it's like?

Car insurance premium question UK?

OK, my question isn't nothing serious I paid 800-ish for my 1st year and 795 for 2nd year of me passing my test (I am 22yr old) and lived in the same year. Obviously in the two years I have changed my 1998 clio to a 2003 fiesta. Both my policies were TPFT. However my car insurance is due to expire in 2 months time and I have went on several insurers as well as gocompare etc and getting quoted 1495 cheapest and up to 3400 for my 2003 fiesta 1.4 why??????""

Temporary Car Insurance?

Ive been talking to brokers, and car insurance agents. Im moving from NY to NC, i have no car insurance, and i dont want to pay for Ny insurance fully, because when i move to NC i plan on getting NC insurance. I want temporary insurance, and one agent told me about in transit insurance? ive been looking up things all day and no success. can someone give me advice on what i should do if i only need ny car insurance to just drive down to NC???? thank you!""

How much more do men pay for car insurance than women?

If a man and a woman are the ame age, same car, clean driving record, both live in the same city, and every other variable is the same. The only difference is their gender how much more would a man pay?""

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.

How much is car insurance?

How much commercial car insurance does one have to have to deliver newspapers?

Where should I look to insure a child in another state?

I am currently doing research to find an affordable health insurance plan for a child in California, I live in Colorado. I'm not sure how to go about finding insurance in another state, especially for a child. She will be 12 in October. Any suggestions?""

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

Does anyone know what the cheapest insurance is?

i need insurance for a 2000 mercury cougar v6 2 door. any ideas?

WILL MY CAR INSURANCE BE HIGH?

I'm 18, from california, and ive had my license since i was 16. I currently drive a 04 volvo and im planning to get a 2012 or 2013 chevrolet camaro LS. The plan is to trade in my old car but my mom is complaining that my insurance will be like $300 or more a month. Is that true? I have safeco btw thanks""

What insurance company should i use as a 17 year old male?

I am looking for the cheapest insurance firstly as with a provisional license holder and then with a full uk license, the car is a 2001 Vauxhall Corsa (Y reg) and has alloy wheels. Also if its better to be a named driver with one of my parents as the owner. Thanks""

Would fitted speakers in my car increase the insurance?

I love my music, especially dance music (can't get enough of Pjanno and Rolex) but I'm worried that the insurance might go up if I fit speakers in my car because in comparision websites, one of the sections talks about additional equipment on your car. If so, how much will the insurance go up by? getting quotes for around 1200 atm""

Whats the cheapest car insurance company in Missouri?

I am 20 and attend college. I never needed a car before but now that I have to start driving, I have to get my driver's license. I have my permit and a car but since I need legal tags and insurance to take the driving test. I have to get insurance before I can get tags. So I wanted to know whats the best insurance company for me, where prices won't be outrageous??? Thanks for the help: )""

I am looking for a company that will help me sign up for dentical and healthy family insurance as a provider?

Can anyone help me sign up for dentical. I would like to provide service to dentical and healthy family patients in my area. I am a dentist in northern california. I am looking for a reputed company that will help me with this process. I really want to help the children in my community.

""Car insurance help, high price?""

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If i accidentally knock over my bike, will insurance cover that? if so, which coverage covers it? I have Comprehensive and Liability""

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How technology gets us hooked

The Long Read: From a young age, humans love to press buttons that light up and make a noise. The thrill of positive feedback lies at the heart of addiction to gambling, games, and social media

Not long ago, I stepped into a lift on the 18th floor of a tall building in New York City. A young woman inside the lift was looking down at the top of her toddlers head with embarrassment as he looked at me and grinned. When I turned to push the ground-floor button, I saw that every button had already been pushed. Kids love pushing buttons, but they only push every button when the buttons light up. From a young age, humans are driven to learn, and learning involves getting as much feedback as possible from the immediate environment. The toddler who shared my elevator was grinning because feedback in the form of lights or sounds or any change in the state of the world is pleasurable.

But this quest for feedback doesnt end with childhood. In 2012, an ad agency in Belgium produced an outdoor campaign for a TV channel that quickly went viral. The campaigns producers placed a big red button on a pedestal in a quaint square in a sleepy town in Flanders. A big arrow hung above the button with a simple instruction: Push to add drama. You can see the glint in each persons eye as he or she approaches the button the same glint that came just before the toddler in my elevator raked his tiny hand across the panel of buttons.

Psychologists have long tried to understand how animals respond to different forms of feedback. In 1971, a psychologist named Michael Zeiler sat in his lab across from three hungry white carneaux pigeons. At this stage, the research programme focused on rats and pigeons, but it had lofty aims. Could the behaviour of lower-order animals teach governments how to encourage charity and discourage crime? Could entrepreneurs inspire overworked shift workers to find new meaning in their jobs? Could parents learn how to shape perfect children?

Before Zeiler could change the world, he had to work out the best way to deliver rewards. One option was to reward every desirable behaviour. Another was to reward those same desirable behaviours on an unpredictable schedule, creating some of the mystery that encourages people to buy lottery tickets. The pigeons had been raised in the lab, so they knew the drill. Each one waddled up to a small button and pecked persistently, hoping that the button would release a tray of Purina pigeon pellets. During some trials, Zeiler would programme the button so it delivered food every time the pigeons pecked; during others, he programmed the button so it delivered food only some of the time. Sometimes the pigeons would peck in vain, the button would turn red, and they would receive nothing.

When I first learned about Zeilers work, I expected the consistent schedule to work best. But thats not what happened at all. The results werent even close: the pigeons pecked almost twice as often when the reward wasnt guaranteed. Their brains, it turned out, were releasing far more dopamine when the reward was unexpected than when it was predictable. Zeiler had documented an important fact about positive feedback: that less is often more. His pigeons were drawn to the mystery of mixed feedback just as humans are attracted to the uncertainty of gambling.

Decades after Zeiler published his results, in 2012, a team of Facebook web developers prepared to unleash a similar feedback experiment on hundreds of millions of humans. The site already had 200 million users at the time a number that would triple over the next three years. The experiment took the form of a deceptively simple new feature called a like button.

Its hard to exaggerate how much the like button changed the psychology of Facebook use. What had begun as a passive way to track your friends lives was now deeply interactive, and with exactly the sort of unpredictable feedback that motivated Zeilers pigeons. Users were gambling every time they shared a photo, web link or status update. A post with zero likes wasnt just privately painful, but also a kind of public condemnation: either you didnt have enough online friends, or, worse still, your online friends werent impressed. Like pigeons, were more driven to seek feedback when it isnt guaranteed. Facebook was the first major social networking force to introduce the like button, but others now have similar functions. You can like and repost tweets on Twitter, pictures on Instagram, posts on Google+, columns on LinkedIn, and videos on YouTube.

The act of liking became the subject of etiquette debates. What did it mean to refrain from liking a friends post? If you liked every third post, was that an implicit condemnation of the other posts? Liking became a form of basic social support the online equivalent of laughing at a friends joke in public.

Web developer Rameet Chawla developed an app as a marketing exercise, but also a social experiment, to uncover the effect of the like button. When he launched it, Chawla posted this introduction on its homepage: People are addicted. We experience withdrawals. We are so driven by this drug, getting just one hit elicits truly peculiar reactions. Im talking about likes. Theyve inconspicuously emerged as the first digital drug to dominate our culture.

Chawlas app, called Lovematically, was designed to automatically like every picture that rolled through its users newsfeeds. It wasnt even necessary to impress them any more; any old post was good enough to inspire a like. Apart from enjoying the warm glow that comes from spreading good cheer, Chawla for the first three months, the apps only user also found that people reciprocated. They liked more of his photos, and he attracted an average of 30 new followers a day, a total of almost 3,000 followers during the trial period. On Valentines Day 2014, Chawla allowed 5,000 Instagram users to download a beta version of the app. After only two hours, Instagram shut down Lovematically for violating the social networks terms of use.

I knew way before launching it that it would get shut down by Instagram, Chawla said. Using drug terminology, you know, Instagram is the dealer and Im the new guy in the market giving away the drug for free.

Chawla was surprised, though, that it happened so quickly. Hed hoped for at least a week of use, but Instagram pounced immediately.

When I moved to the United States for postgraduate studies in 2004, online entertainment was limited. These were the days before Instagram, Twitter, and YouTube and Facebook was limited to students at Harvard. One evening, I stumbled on a game called Sign of the Zodiac (Zodiac for short) that demanded very little mental energy.

Zodiac was a simple online slot machine, much like the actual slot machines in casinos: you decided how much to wager, lazily clicked a button over and over again, and watched as the machine spat out wins and losses. At first, I played to relieve the stress of long days filled with too much thinking, but the brief ding that followed each small win, and the longer melody that followed each major win, hooked me fast. Eventually screenshots of the game would intrude on my day. Id picture five pink scorpions lining up for the games highest jackpot, followed by the jackpot melody that I can still conjure today. I had a minor behavioural addiction, and these were the sensory hangovers of the random, unpredictable feedback that followed each win.

My Zodiac addiction wasnt unusual. For 13 years, Natasha Dow Schll, a cultural anthropologist, studied gamblers and the machines that hook them. She collected descriptions of slot machines from gambling experts and current and former addicts, which included the following: Slots are the crack cocaine of gambling electronic morphine … the most virulent strain of gambling in the history of man Slots are the premier addiction delivery device.

These are sensationalised descriptions, but they capture how easily people become hooked on slot-machine gambling. I can relate, because I became addicted to a slots game that wasnt even doling out real money. The reinforcing sound of a win after the silence of several losses was enough for me.

In the US, banks are not allowed to handle online gambling winnings, which makes online gambling practically illegal. Very few companies are willing to fight the system, and the ones that do are quickly defeated. That sounds like a good thing, but free and legal games such as Sign of the Zodiac can also be dangerous. At casinos, the deck is stacked heavily against the player; on average the house has to win. But the house doesnt have to win in a game without money.

As David Goldhill, the chief executive officer of the Game Show Network, which also produces many online games, told me: Because were not restricted by having to pay real winnings, we can pay out $120 for every $100 played. No land-based casino could do that for more than a week without going out of business. As a result, the game can continue forever because the player never runs out of chips. I played Sign of the Zodiac for four years and rarely had to start a new game. I won roughly 95% of the time. The game only ended when I had to eat or sleep or attend class in the morning. And sometimes it didnt even end then.

Casinos win most of the time, but they have a clever way of convincing gamblers that the outcomes are reversed. Early slot machines were incredibly simple devices: the player pulled the machines arm to spin its three mechanical reels. If the centre of the reels displayed two or more of the same symbol when they stopped spinning, the player won a certain number of coins or credits. Today, slot machines allow gamblers to play multiple lines. Every time you play, youre more likely to win on at least one line, and the machine will celebrate with you by flashing bright lights and playing catchy tunes. If you play 15 lines, and you win on two of the lines, you make a net loss, and yet you enjoy the positive feedback that follows a win a type of win that Schll and other gambling experts call a loss disguised as a win.

Losses disguised as wins only matter because players dont classify them as losses they classify them as wins. This is what makes modern slot machines and modern casinos so dangerous. Like the little boy who hit every button in my lift, adults never really grow out of the thrill of attractive lights and sounds. If our brains convince us that were winning even when were actually losing, it becomes almost impossible to muster the self-control to stop playing.

Every time you play a slot machine it will celebrate with you by flashing bright lights and playing catchy tunes Photograph: imageBROKER/Rex/Shutterstock

The success of slot machines is measured by time on device. Since most players lose more money the longer they play, time on device is a useful proxy for profitability. Video-game designers use a similar measure, which captures how engaging and enjoyable their games are. The difference between casinos and video games is that many game designers are more concerned with making their games fun than with making buckets of money. Bennett Foddy, who teaches game design at New York Universitys Game Center, has created a number of successful free-to-play games, but each was a labour of love rather than a money-making vehicle.

Video games are governed by microscopic rules, Foddy says. When your mouse cursor moves over a particular box, text will pop up, or a sound will play. Designers use this sort of micro-feedback to keep players more engaged and more hooked in.

A game must obey these microscopic rules, because gamers are likely to stop playing a game that doesnt deliver a steady dose of small rewards that make sense given the games rules. Those rewards can be as subtle as a ding sound or a white flash whenever a character moves over a particular square. Those bits of micro-feedback need to follow the act almost immediately, because if theres a tight pairing in time between when I act and when something happens, then Ill think I was causing it.

The game Candy Crush Saga is a prime example. At its peak in 2013, the game generated more than $600,000 in revenue per day. To date, its developer, King, has earned around $2.5 billion from the game. Somewhere between half a billion and a billion people have downloaded Candy Crush Saga on their smartphones or through Facebook. Most of those players are women, which is unusual for a blockbuster.

Its hard to understand the games colossal success when you see how straightforward it is. Players aim to create lines of three or more of the same candy by swiping candies left, right, up, and down. Candies are crushed they disappear when you form these matching lines, and the candies above them drop down to take their place. The game ends when the screen fills with candies that cannot be matched. Foddy told me that it wasnt the rules that made the game a success it was juice. Juice refers to the games surface feedback. It isnt essential to the game, but its essential to the games success. Without juice, the game loses its charm.

Novice game designers often forget to add juice, Foddy said. If a character in your game runs through the grass, the grass should bend as he runs through it. It tells you that the grass is real and that the character and grass are in the same world. When you form a line in Candy Crush Saga, a reinforcing sound plays, the score associated with that line flashes brightly, and sometimes you hear words of praise intoned by a hidden, deep-voiced narrator.

Juice amplifies feedback, but its also designed to unite the real world and the gaming world. The most powerful vehicle for juice must surely be virtual reality (VR) technology, which is still in its infancy. VR places the user in an immersive environment, which the user navigates as she might the real world. Advanced VR also introduces multisensory feedback, including touch, hearing and smell.

In a podcast last year, the author and sports columnist Bill Simmons spoke to billionaire investor Chris Sacca, an early Google employee and Twitter investor, about his experience with VR. Im afraid for my kids, a little bit, Simmons said. I do wonder if this VR world you dive into is almost superior to the actual world youre in. Instead of having human interactions, I can just go into this VR world and do VR things and thats gonna be my life.

Sacca shared Simmons concerns. One of the things thats interesting about technology is that the improvement in resolution and sound modelling and responsiveness is outpacing our own physiological development, Sacca said. You can watch some early videos where you are on top of a skyscraper, and your body will not let you step forward. Your body is convinced that that is the side of the skyscraper. Thats not even a super immersive VR platform. So we have some crazy days ahead of us.

Until recently, most people thought of VR as a tool for gaming, but that changed when Facebook acquired Oculus VR for $2bn in 2014. Facebooks Mark Zuckerberg had big ideas for the Oculus Rift gaming headset that went far beyond games. This is just the start, Zuckerberg said. After games, were going to make Oculus a platform for many other experiences. Imagine enjoying a court-side seat at a game, studying in a classroom of students and teachers all over the world or consulting with a doctor face-to-face just by putting goggles in your home. VR no longer dwelled on the fringes. One day, we believe this kind of immersive, augmented reality will become a part of daily life for billions of people, said Zuckerberg.

In October 2015, the New York Times shipped a small cardboard VR viewer with its Sunday paper. Paired with a smartphone, the Google Cardboard viewer streamed VR content, including documentaries on North Korea, Syrian refugees, and a vigil following the Paris terror attacks. Instead of sitting through 45 seconds on the news of someone walking around and explaining how terrible it is, you are actively becoming a participant in the story that you are viewing, said Christian Stephen, a producer of one of the VR documentaries.

Despite the promise of VR, it also poses great risks. Jeremy Bailenson, a professor of communication at Stanfords Virtual Reality Interaction Lab, worries that the Oculus Rift will damage how people interact with the world. Am I terrified of the world where anyone can create really horrible experiences? Yes, it does worry me. I worry what happens when a violent video game feels like murder. And when pornography feels like sex. How does that change the way humans interact, function as a society?

When it matures, VR will allow us to spend time with anyone in any location doing whatever we like for as long as we like. That sort of boundless pleasure sounds wonderful, but it has the capacity to devalue face-to-face interactions. Why live in the real world with real, flawed people when you can live in a perfect world that feels just as real? Wielded by game designers, it might prove to be a vehicle for the latest in a series of escalating behavioural addictions.

Some experiences are designed to be addictive for the sake of ensnaring hapless consumers, but others happen to be addictive though they are primarily designed to be fun or engaging. The line that separates these is very thin; to a large extent the difference rests on the intention of the designer.

When Nintendos superstar game designer Shigeru Miyamoto created Super Mario Bros, his primary aim was to make a game that he himself enjoyed playing. Thats the point, he said, not to make something sell, something very popular, but to love something, and make something that we creators can love. Its the very core feeling we should have in making games.

When you compare Super Mario Bros regularly voted by game designers as one of the greatest games ever to others on the market, it is easy to recognise the difference in intention.

Adam Saltsman, who produced an acclaimed indie game called Canabalt in 2009, has written extensively about the ethics of game design. Many of the predatory games of the past five years use whats known as an energy system, Saltsman said. Youre allowed to play the game for five minutes, and then you artificially run out of stuff to do. The game will send you an email in, say, four hours when you can start playing again. I told Saltsman that the system sounded pretty good to me it forces gamers to take breaks and encourages kids to do their homework between gaming sessions. But thats where the predatory part comes in.

Super Mario Run was primarily designed by its creator, Shigeru Miyamoto, to be a game he enjoyed playing Photograph: PR

According to Saltsman: Game designers began to realise that players would pay $1 to shorten the wait time, or to increase the amount of energy their avatar would have once the four-hour rest period had passed. I came across this predatory device when playing a game called Trivia Crack. If you give the wrong answer several times, you run out of lives, and a dialogue screen gives you a choice: wait for an hour for more lives, or pay 99 cents to continue immediately. Many games hide these down-the-line charges. Theyre free, at first, but later you are forced to pay in-game fees to continue.

If you are minutes or even hours deep into the game, the last thing you want to do is admit defeat. You have so much to lose, and your aversion to that sense of loss compels you to feed the machine just one more time, over and over again. You start playing because you want to have fun, but you continue playing because you want to avoid feeling unhappy.

A game in which you always win is boring. It sounds appealing but it gets old fast. To some extent we all need losses and difficulties and challenges, because without them the thrill of success weakens gradually with each new victory. The hardship of the challenge is far more compelling than knowing you are going to succeed. This sense of hardship is an ingredient in many addictive experiences, including one of the most addictive games of all time: Tetris.

In 1984, Alexey Pajitnov was working at a computer lab at the Russian Academy of Science in Moscow. Many of the labs scientists worked on side projects, and Pajitnov began working on a video game. Pajitnov worked on Tetris for much longer than he planned because he couldnt stop playing the game. Eventually Pajitnov allowed his friends at the Academy of Science to play the game. Everyone who touched the game couldnt stop playing either.

His best friend, Vladimir Pokhilko, a former psychologist, remembered taking the game to his lab at the Moscow Medical Institute. Everybody stopped working. So I deleted it from every computer. Everyone went back to work, until a new version appeared in the lab.

Alexey Pajitnov, the inventor of Tetris Photograph: Sipa Press / Rex Features

Tetris spread from the Academy of Science to the rest of Moscow, and then on to the rest of Russia and eastern Europe. Two years later, in 1986, the game reached the west, but its big break came in 1991, when Nintendo signed a deal with Pajitnov. Every Game Boy would come with a free game cartridge that contained a redesigned version of Tetris.

That year I saved up and ultimately bought a Game Boy, which is how I came to play Tetris for the first time. It wasnt as glitzy as some of my other favourites, but I played for hours at a time. Nintendo was smart to include the game with their new portable console, because it was easy to learn and very difficult to abandon. I assumed that I would grow tired of Tetris, but sometimes I still play the game today, more than 25 years later. It has longevity because it grows with you. Its easy at first, but as your skills improve, the game gets more difficult. The pieces fall from the top of the screen more quickly, and you have less time to react than you did when you were a novice.

This escalation of difficulty is a critical hook that keeps the game engaging long after you have mastered its basic moves. Twenty-five years ago, a psychiatrist named Richard Haier showed that this progression is pleasurable because your brain becomes more efficient as you improve. Haier decided to watch as people mastered a video game, though he knew little about the cutting-edge world of gaming. In 1991 no one had heard of Tetris, he said in an interview a few years later. I went to the computer store to see what they had and the guy said, Here try this. Its just come in. Tetris was the perfect game, it was simple to learn, you had to practise to get good, and there was a good learning curve.

Haier bought some copies of Tetris for his lab and watched as his experimental subjects played the game. He did find neurological changes with experience parts of the brain thickened and brain activity declined, suggesting experts brains worked more efficiently but more relevant here, he found that his subjects relished playing the game. They signed up to play for 45 minutes a day, five days a week, for up to eight weeks. They came for the experiment (and the cash payment that came with participating), but stayed for the game.

One satisfying feature of the game is the sense that you are building something your efforts produce a pleasing tower of coloured bricks. You have the chaos coming as random pieces, and your job is to put them in order. The game allows you the brief thrill of seeing your completed lines flash before they disappear, leaving only your mistakes. So you begin again, and try to complete another line as the game speeds up and your fingers are forced to dance across the controls more quickly.

Mikhail Kulagin, Pajitnovs friend and a fellow programmer, remembers feeling a drive to fix his mistakes. Tetris is a game with a very strong negative motivation. You never see what you have done very well, and your mistakes are seen on the screen. You always want to correct them.

The sense of creating something that requires labour and effort and expertise is a major force behind addictive acts that might otherwise lose their sheen over time. It also highlights an insidious difference between substance addiction and behavioural addiction: where substance addictions are nakedly destructive, many behavioural addictions are quietly destructive acts wrapped in cloaks of creation. The illusion of progress will sustain you as you achieve high scores or acquire more followers or improve your skills, and so, if you want to stop, youll struggle ever harder against the drive to grow.

Some designers are very much against infinite format games, like Tetris, said Foddy, because theyre an abuse of a weakness in peoples motivational structures they wont be able to stop.

Humans find the sweet spot sandwiched between too easy and too difficult irresistible. Its the land of just-challenging-enough computer games, financial targets, work ambitions, social media objectives and fitness goals. It is in this sweet spot where the need to stop crumbles before obsessive goal-setting that addictive experiences live.

This is an adapted extract of Irresistible by Adam Alter, published on 2 March by The Bodley Head in the UK and Penguin Press in the US on 7 March

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