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These are the 16 painful lessons I learned writing 10,211 headlines in 100 days

Cue: instant anxiety attack.

In a Facebook group, I had just announced my experiment for the next 100 days:

Write 100 headlines for 100 companies in 100 days.

To which a certain someone posted this comment:

Joel is a Copy Hackers veteran. I have tremendous respect for him.

So I naturally felt nauseous when I read his words of… what’s another word for “dyspepsia”?

His follow-up comment didn’t help:

The room started spinning.

My breath was shallow. My stomach made tiger noises, and I might have peed a little. What the hell had I just committed to?

For some unimaginable reason, I soldiered on, convinced I could prove Mr. Joel Klettke and all the [super-sane] naysayers wrong. So I began….

The terrifying climb to 10,000 headlines: What I did every day for 100 days (even when it hurt)

Each day, I’d pick a topic to write 100 headlines about.

Oh, that’s another thing: every day, I’d write about a different topic. Because 100 headlines in 100 days wasn’t crazy enough – I needed to add that extra edge of insanity.

So each day I’d dive into a site for The Topic of the Day. Things like:

Pacific Shave Company The Fart Candle Quip Toothbrush

And I’d see what the players in that world were doing. (For consumer products, I’d check Amazon reviews just like Jo taught me.)

Then I’d write my headlines – more about that very soon – and share them with my growing list of 53 interested-in-watching-me-fall subscribers. My first few posts to those fine folks – which you can check out here – were ROUGH. See, I had no process. I was doing what we all do when we start writing copy but don’t really think about it as more than words on a page. My hacked process went like so:

I’d write as many headlines as I could (without a template or starting point), Identify themes in those headlines, Highlight a few words, Hit a wall and Glance at my list of ~400 headline formulas.

Each time I glanced at those formulas, I generated anywhere from 3 to 8 new headlines. Some stuck too close to the template. Some were the product of what was clearly the wrong mindset. Some went off the rails entirely. If you want to see how disparate a group of headlines written fast can be, check out my Tutorial Tuesday replay here, where I live-write a bunch of headlines in this reusable Airstory headlines template:

Sometimes I’d catch a hot streak and 100 headlines seemed to write themselves. Those days were magic.

It won’t surprise you to find that, as the days wore on and as 100 headlines turned into 2500 headlines, I learned a bunch of stuff. Like, I learned I’d need to adjust my voice rather than fit each topic into my voice – something I had completely overlooked during concept and something that was, alone, worth learning over the 100-day experiment.

That was a small lesson.

Five much larger lessons cropped up, which I’d love to share with you now (before we get into the pain of 10,211 headlines)…

The 5 big content lessons @prettyflycopy learned during his “100 headlines a day” experiment, on…Click To Tweet

Lesson 1: What headlines actually are.

Turns out each day was not an exercise in finding “100 ways for Justin to phrase things.”

It was an exercise in finding “100 value propositions for the company.”

Headlines are – very often – variations on a value proposition.

When I realized that, I found myself in a tricky spot. This was no longer a side experiment. This was a job. I was doing the work of copywriting. I instantly knew what Joel had hinted at:

The project might not be so fun.

BTW, I should mention I’m an in-house writer with a day job. So these posts were in addition to my full-time gig. And client work. And family time.

Lord help me if I had a lunch meeting – I had to tack on extra time in the evening. On weekends, replace “work” with “client work.” …Have I mentioned my wife is a saint?

Within 10 days, I could whip up 25 headlines in minutes – no template needed. Common formulas ingrained themselves in my brain and I started each day with lines like:

For ___ who want to ___ Get ___ without the ___ Helping ____ do ____ The only ____ that doesn’t ____ The (good news) inside (bad news)

These first headlines would never be the best of the bunch, but they eased me into the post. Writing them gave me a rhythm. I’d often find the germ of a better headline in the first attempts. It was the crappy first draft every copywriter needs.

As I mentioned, I started with about 400 headline formulas. As the first 10 days went by, I eliminated 110 formulas from my template. Some were duplicates, some were lazy… and others felt manipulative (more on that later). But a handful rose to the top.

By Day 20, I was rolling. I adapted recurring themes, discovered how to really empathize with the customer and found myself digging deeper. I even used a few lines in my client work and day job. And when I missed a single day? I felt so bad that, the following afternoon, I wrote 200 lines.

By now I was writing headlines like:

On Day 30, I felt like a whiz. Whipping 50-60 lines off the top of my head, no problemo. My subscriber list was growing. I started tinkering with themes from the 7 deadly sins, and I was sailing smooth. Sometimes a bad list of headlines cropped up, but no worries. I felt good. I felt alive.

I felt smart.

I should have expected what followed…

Day 40 brought complete and total burnout.

I was tired. I wasn’t sleeping. And my brain was drained.

Actual video of me at work

Also, my wife was over it. My kids had stopped asking me to play with them because they knew I’d say no. It was a dark time for the rebellion. If it weren’t for Joel’s quote on my screen – yes, I made it my screensaver – I might have given up.

On Day 50, I gave myself a day off. I still posted for my readers, but I didn’t write my 100 headlines. I broke the streak.

It felt GREAT, to be honest.

One day off wasn’t enough to make me a good family man again, but, hey, it was a start. Which brings me to…

Lesson 2: Take breaks.

Recharge your soul. Your sanity (and your family) will appreciate it.

By Day 50, I also changed the way I approached topics. I picked fun brands. There were a lot of Shark Tank products, weird Kickstarter campaigns and ridiculous items like mailable potatoes, light-up toilets, and wine for cats. Strange as it was, I loved these. I wrote headlines like:

Maybe this was my niche??

Just like that, two more big lessons smacked me in the brain…

Lesson 3: If you’re not enjoying the process, change the process.

This feeling might mean that you’re doing it wrong.

Keep tweaking until you find your fit.

And:

Lesson 4: The way you’re thinking about a “niche” may be entirely wrong.

I was looking for a category when I should have been looking for a voice.

The WHO mattered more than the WHAT.

Days 50-70 were light. I collaborated with other writers, like Lianna Patch, Alaura Weaver and Hillary Weiss, who let me write headlines for their existing content. Working with them made me step up my game. Because not only would I have to emulate their voice, but I’d also have their feedback. They’d be the judge of the lines.

Those posts made me feel so much less alone.

And I gained some street cred. People were reaching out to me, and I landed 3 podcast interviews. Recognizable names – like Joanna Wiebe! – subscribed to my recap or followed me on social.

I had become “The Headline Guy.”

I was getting faster, too. I could hit 80+ lines without referring to the list of formulas and often knocked out full lists of 100 headlines during lunch. This meant more free time at home with my family—something I did not take for granted.

By the time @prettyflycopy had written 7000 headlines, he started to get, well, kinda good at itClick To Tweet

On Day 71, I went full masochist.

I threw out the list of formulas.

I took 37 classic direct response headlines, printed them out… and that’s all I used for the last 29 posts. From that point forward, it was Eugene Schwartz, John Caples, Jay Abraham… and me.

Things got veeeery interesting.

I revisited previous topics, chose a few I was afraid to tackle earlier, and homed in on brands I thought would be fun. By focusing on the direct response examples, the lists became more emotional. I was hitting on fears and wishes. The lines had more story. More empathy.

But there was a dark side.

I teetered on clickbait. (BTW, I *hate* clickbait. In fact, an underlying theme of this project was to prove clickbait shouldn’t exist. I was tired of clicking ads that used the work of copywriting geniuses only to be taken to disappointing articles. Eyes on you, BuzzFeed-style-headlines.)

I wanted only to use the power of these direct response classics for good. Because I knew, with a little extra effort, writers could properly manage expectations. So I dove into the curiosity behind the lines and phrased them to be more positive.

The new style took longer to write – some posts clocked in at 2 hours – but that was OK. It meant I wasn’t coasting. I was challenging myself.

I also cashed in a few mental health days. I still posted but didn’t write a list of headlines. This helped me regulate my sanity, remember my kids and spend time with my wife. Plus, it eliminated the soul-crushing anxiety that paralyzed my brain when I blanked on ideas for topics. I needed those small breaks.

By this point, I was getting fast, I was getting good and I was finding my groove not with 100s of headline formulas but with a small list of awesome ones. Next up, I found myself diving deeper into emotions I hadn’t really explored in my copywriting before – emotions like:

Fear Frustration Powerlessness Anger Betrayal Revenge

The lines were good.

Probably some of the strongest I’d written.

But I didn’t like going to The Dark Side.

It felt manipulative. I realized that writing aggressive-style copy just isn’t me. More validation that – to me – voice is more important than topic.

On Day 90, I struck a balance between bolder emotions and the formulas I had memorized. I went back to The Light Side. Security, happiness, relaxation, hope. Ah, now this was me. And my headlines were – objectively – far better than where they’d been back at Day 20 or when I went to the Dark Side. Here’s a snapshot of Day 95:

At Day 100, I was ecstatic. I had written 10,211 lines. 100 days of posting. 106 days of writing headlines. Yes, it took a few extra days, but nobody seemed to care.

Lesson 5: Family first. Always.

I had learned a ton.

Mostly, that The Headline Project wasn’t fair to my family. I was a shitty husband and father for 3 months. I know that’s not the lesson you want to read, but I cannot overstate the importance of family first. I’m lucky the damage I caused was only temporary. Now my wife smiles and my kids rush me for hugs again when I come home. Because it’s playtime.

As for what I learned during the whole process, well, that’s the whole reason you’re reading this, isn’t it?

So, here we go…

16 hard-earned headline takeaways 1. There are no shortcuts.

Do the work.

No hacks, article, or template can match putting on the gloves and getting dirty. There comes a time to stop reading and start doing. Practice makes permanent. It’s the only way to make things stick.

2. Clear beats clever. But sometimes you can do both.

Some of my favorite lines were direct and infused with personality.

Like these ones:

Once you learn to think on your feet, it doesn’t matter where you’re standing (Dumore Improv) Sorry. We don’t believe in wedgies (Pair of Thieves Underwear) Send a potato. It’ll still be funny when you’re sober (Potato Parcel) Just because dating can be awkward doesn’t mean you need to be (Nuphero Pheromone Spray) Where we write like Ogilvy & drink like Hemingway (The Copywriter Club)

They’re fun, but and they make sense. Those headlines all came late in the day’s post – often in the last half – so you need to dig.

Dig to find the best copy, via @copyhackers @prettyflycopyClick To Tweet

3. Don’t force your personality.

Sometimes I made light of sensitive topics. The biohazard cleaning post comes to mind.

But if you need these guys, it’s not a time to joke. Don’t put funny where funny doesn’t belong.

(Yes, this may sound contradictory to the whole voicey-nichey thing, but it’s not. This is something that wouldn’t be in my niche. See, I struggle to keep myself out of my writing. I need to find brands where that’s a fit.)

4. Boring topics don’t need to be boring.

Some of the tech sites were super nerdy. Bland copy for good software. And it’s a shame because they’re products that everyone can use.

However, the average consumer couldn’t understand what they do.

Surprisingly, these posts were fun to write once I swapped features for benefits:

Make your data sexy (Plotly graphing software) Helping families make it through long weekends without WiFi (Duracell batteries) Park your domains in a friendly lot (Domahub) Speed reading isn’t a skill. It’s a Chrome extension (Spritz speed reading app) How to animate your presentations like Pixar (Whiteboard animation agency)

I mean, I’m still not the guy to pitch a tech company. But if they asked me to explore the mainstream, I could give it a go.

5. Learn what you suck at.

Brands targeting women ain’t my thang. And that’s OK. Knowing this helped me turn down a project I now know I never could’ve done right.

6. Great things happen when you become your audience.

Remember Freaky Friday, The Change-Up or The Hot Chick? Or any of the other bazillion movies where characters change bodies?

After the initial flow of lines ended, I’d close my eyes and imagine myself as the consumer.

I’d mentally put myself in their body and ask myself:

Who would I be? What would I want? How would I feel? Which pains hurt most? What’s missing in my life?

Suddenly, the headlines were easier to write.

7. Writing headlines for a company you *think* you want to work with may result in a very different outcome.

I wrote 100 lines for a brand I had unsuccessfully cold-pitched.

Turns out, I struggled to find their voice.

I’m glad they didn’t get back to me. I wouldn’t have been a good fit. Now, before I reach out to a company, I practice.

Y’know, just in case they say yes.

8. Consumer products can be surprisingly fun to write about *if* they provide real value.

I never wrote much about physical goods before this.

But 7 of my top 11 posts were for products. And they were fun! I didn’t love writing about things you buy just to have (e.g., shirts, toys, grilling accessories), but if it adds value to your life – even if just a laugh – I’m all about it.

9. Google Images is a gold mine.

The day I accidentally clicked “image results” was a game changer.

I was writing about owl rescue, and I was stumped. When I saw the pictures, memes, movie stills and gifs, it was an awakening. The Harry Potter theme alone provided enough inspiration to finish the post. I never would’ve made that connection.

Now, whenever I get stuck, I go straight to images.

10. Write like Dr. Seuss.

Let your mind get silly. Funny rhymes, alliteration and a little wackiness are great for getting into a flow.

No, you’re not going to use them on your final product. But the path they lead you down might take you to your goal.

Here’s what I mean:

Rain, rain, go away. I’ll stay dry & watch them play (Under The Weather Sports Pods) Would you, could you, on a boat? (Florida Sailing Club) Sticks and stones may break your bones, but my words will make you money (Pretty Fly Copy) (ß actually, I did use this one on my final product) 11. Bold the important words.

Identify the keywords in your sentence.

Delete the rest.

Now go make new sentences with what remains. Tinker enough and you’ll find your line.

12. Templates have a place in this world.

I’ve never been one to rely on templates. It always felt like color-by-numbers. But now I see, when you add your own spin, they have tremendous value.

That being said, here’s an Airstory template with the headline formulas I used during my 100 days. To help you kick-start your own headline writing.

Use the formulas in Airstory 13. Clickbait is never OK and I will punch you in the face if you say different.

Because it’s lazy. In one post, I intentionally wrote in BuzzFeed’s style and it took zero skill. No effort, no challenge and no concentration. I could’ve written it while riding bareback on a zebra and cooking soup.

Stop wasting curiosity headlines on disappointing articles. It makes people hate you.

Instead, focus. If you’ve got a great headline on a shitty article, rewrite the article. You’re better than that.

14. “Copywriters aren’t born. They practice.”

I don’t know who to attribute this quote to, but they’re right.

Writing 10,000 headlines helped me nail messaging more than reading any article ever could.

Now instead of sifting through 41 million search results, I’m writing better.

15. Hard work never gets easier.

This project was like shooting myself with a gun each day to build a tolerance to bullets. It never didn’t hurt. But I learned I can take the pain.

16. Everything I learned about how to find my niche was wrong.

Wrong for me, I mean.

I was all over the map for 3 months. Sporting goods, bottomless muffins, poop-scented candles… You name it, I wrote about it.

And here’s what I found: the voice of the brand matters just as much as what they sell.

I want to work with fun, casual brands. Because that’s who I am.

The voice of the brand matters just as much as what they sell via @copyhackers @prettyflycopyClick To Tweet

So, I’m helping web-based services with taglines and easy-to-read copy. Simple messages for complicated businesses. It’s not something I ever would’ve focused on before, but it turns out, I’m pretty darn good at it.

TBH, between you and me, I’m still trying to figure it out…

Day 100: So, can I take on Caples, Schwartz and Ogilvy now?

Writing 100 headlines a day doesn’t mean I can beat a control.

It means I can think quicker and faster. It means the common formulas are familiar and I have a mental database to pull from. It means I can dig deeper than most people. I won’t stop until I strike gold. Oh, and I can probably find said gold in less time.

But am I better than YOUR best line? Well, that depends on you.

To win you need to test. You need to study your audience and feel their pain. And you need to be able to solve it. I explored ways to help people, but I never actually did it. I did write some great headlines though…

Should you do an experiment like The Headline Project?

A lot of people reached out to me when I finished. People wanted to work with me. People wrote to me the same way I write to those I admire.

Even Joel Klettke gave me a virtual pat on the back.

Best part was: it felt earned. I didn’t feel like an imposter.

The Headline Project gave me a seat at the big kid’s table. It crushed me at times, but it built me back up. It allowed me to re-prioritize my family into first position, and it gave me a path. More importantly, it grew the quality of my network. Admirable writers are now acquaintances. I’ve spoken at a summit. I’ve been recognized at events. And people email me for advice.

Would I recommend you do it? Maybe.

Anyone CAN do it. There’s nothing special about me. This wasn’t any easier for me than it would be for you. The only difference is that I did it.

And I’m glad I did…

…But I’m happy it’s over.

Stop waiting for permission.

There comes a point when you need to walk away from more lessons, more training, more videos – and get to work.

I didn’t get paid for The Headline Project. Nobody told me to write. I just did it.

So whatever your big idea is – a blog challenge, growing your list, finding your voice – whatever thing you’ve been reading about for months, you don’t need approval to begin.

And if permission is the thing you’ve been waiting for, here it is. I give you permission to start.

Go do something cool.

~justin

Photo by Nathan Dumlao on Unsplash

The post These are the 16 painful lessons I learned writing 10,211 headlines in 100 days appeared first on Copywriting for startups and marketers.

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I'll be buying my first car on Friday. I went to the garage today and was told I should come down on Friday when it will be ready to pick it up. My question is should I be getting my insurance sorted before Friday? I haven't put any money down on it as they said I wouldn't need a deposit on the car. Is it just the licesne plate number I need?

""Annuities and life insurance, please help?""

I am 35 yrs old and I recently purchased Index Universal Life insurance for the tax free money, guarantee return flat rate, and protection from market loss. I also have $100k in my 401k and my insurance agent suggest I rollover to an index annuity to get the best maximum return. I will get a 10% bonus and both the interest and 10% bonus will be compounded for next 30 yrs. If I withdraw at age 55 at 4%, my yearly index return rate is $9.261. I can see for the first 11 years, the annuity company is giving back my original amount. If I live through age 86, I would have withdraw total amount $185,200. Everyone keeps telling me life insurance is a bad investment because of fees and the agent is trying to get a big commission off me. After running and looking at the numbers, it seems annuities and life insurance are the best savings program. Is there something else about the numbers quoted I should be aware of?""

Motorbike Insurance 600cc ~ 1000cc?

Iam 24 years old ( will do the bike test later this year ) I would just like a rough figure on what would it cost the insurance for these bikes. CB 600 hornet HONDA CBR 1000 KAWASAKI Z1000 KAWASAKI ER 650 YAMAHA R1 YAMAHA R6 Iam asking because iam abroad and i cant do the quotes else i would not loose time asking If someone could be kind enough to help out just with a near figure iwould gladly apreciate the help.

How much will be my car insurance? (I'm serious)?

Guys please take this question seriously and don't even try to answer unless u r going to answer thoroughly I'm 18 and will be 19 in october And I'm getting driver license in a month My parents are not citizen and they don't live in US But I'm citizen and go to high school I heard that my car insurance is extremely expensive since my parents don't live in US But I really NEED to drive my own car ( Not i want to, i NEED it!) I'm aware that the insurance fee depends on companies ***So what I want is approximation or similar examples or similar cases (My GPA is over 4.0 so probably there will be discount... *** if there is, i need every info for discount) And only my mom got her license when she stayed here for few month last year She needs to renew it and she is registered to my uncle's car (I live with my uncle) ***Does this affect my fee? I'm working in city recreation department How can I go work if i don't have car? Now...I ride bike for 4miles to go there... Please help me""

When you buy a brand new car off the showroom do you still need insurance for uk?

if you buy a brand new car and if it has gaurantee do you still need insurance?

Does GEICO stand for General Electric Insurance Company?

Is a Ford KA cheap to insure?

I am a new driver, just passed my test ( im 17 ) and thinkin to buy a ford ka as a first car. Is it cheap to insure tho? Around how much? Thanks""

Give me your opinion on which if you think my car is total loss or the insurance will fix it?

here are the pictures http://s221.photobucket.com/albums/dd30/VICTICO2/?action=view&current=2011-01-14_16-18-41_525.jpg http://s221.photobucket.com/albums/dd30/VICTICO2/?action=view&current=2011-01-14_16-18-41_525.jpg#!oZZ2QQcurrentZZhttp%3A%2F%2Fs221.photobucket.com%2Falbums%2Fdd30%2FVICTICO2%2F%3Faction%3Dview%26current%3D2011-01-14_16-18-13_791.jpg

What do i need to get low insurance on a car?

What affects insurance price and what model is cheapest?

Whos the cheapest u found car insurance thru?

ive checked all state geico progressive state farm aig 21 century liberty mutual and esurance. r there any out there that ive missed? im a student and on a very strict budget so i need the best deal possible. thanks!

What exactly is covered when you have full coverage auto insurance?

I have both collision and comprehensive insurance on my car..as i was backing into my driveway I got a little too close and hit the wall..my back fender is scratched pretty bad...is this covered by my insurance company

I need to sue someone who hit my car with no insurance or license?

however I live in Arizona and I need to know the statute of limitations... I couldn't find anything online unfortunatly. Can anyone help ? My accident was Feb 2009

Anybody have any reviews for GO AUTO INSURANCE? THANKS?

I am looking at purchasing full coverage on a new car and was wondering if anybody had any experiences with GO AUTO INSURANCE. This is a Louisiana Based Auto Insurance group and they currently have the lowest rates for the vehicle I want to insure. Thanks in advance!!

Fog lights Car insurance?

Hi I have got a mazda 2 I was just wondering how much extra on my insurance it would cost to put some fog lights on my car

What is cheapest car insurance i am 18 years old with a crash?

i need the cheapest car insurance in florida can some one refer me to a company

Where can I find the best and affordable health insurance?

employer does not provide health insurance anymore. where can i find the best affordable health insurance that i pay for myself? thanks

About how much does motorcycle insurance cost?

and is it more than car?...about...

Who will be responsible for my dad's car wreck/Will my insurance premium go up?

I let my mom borrow my car to get to work for about 6 months. I knew she had it, I never insured it and neither did she. My dad is abusive and tries to contol everyone and their possessions (my car, my apartment, my bf's car). He hit a local business and caused 15k of damage. He has never worked and my mom just recently started a job-I have had to work for everything in my life and I'm frustrated with always being taken advantage of. My dad was taken away from the scene in an ambulance, the owner's of the property he hit never received his name or contact info. Since the car is registered to me, am I liable? Although it was his accident, will my future car insurance premium go up because of this?""

Motorcycle insurance full coverage?

I pay full coverage for my motorcycle and my co worker who is still paying on his bike has way cheaper insurance then me. Were the same age. Is it possible not to have full coverage when you have a loan for the bike? I know your suppose to, i do but i would think the insurance company could find out some how if you told them it was paid off..right?""

""In general, How much does car insurance go down after marriage?""

I live in Seminole County Fla, am 22 and getting married. I pay 135ish a month now, how much does it usually go down???? I'm not asking exact just a rough estimate?""

Does a citation go on your insurance?

Would this car make my insurance go up?

I'm thinking about purchasing a 97' Cavalier LS Convertible, would this car make my insurance go? and by how much? Also does anyone know anything about these cars? Are they good cars? Mechanically wise and gas wise. By the way, I'm 16 in case that effects your answers.""

Car insurance and driver's license in Belgium?

I would appreciate some information on how to get a driver's license in Belgium. 1) Will I be able to use a US license to drive around and if yes then for how long? 2) Will I have to pass any tests, written or driving, in order to get a Belgium license or will I be able to simply show a US one? 3) How much would I pay for an insurance (basic: damage + liabilities)?""

If i was to buy a 1.4litre car would my insurance be cheaper than what it is just now?

I am driving a 1.6litre at the moment

Car insurance?

ok well im 16 and a male. my mom just bought me a 2007 lexus gs for my bday. i havnt gotten in any accedents, so i wanted to knw how much my car insurance would be. my mom said she spoiled me enough by giving me the car, so she wont help with the insurance.""

Cheaper insurance for a second toy car

I currently am driving a 99 corolla and am looking into getting an 87 firebird Is their a cheap way to insure the car just as a toy not a daily driver mabey drive it tops 5 times a month?

How much is car insurance for a 16 year old?

Car insurance question?

I currently own a Peugeot 206 on which the insurance is due for renewal at the beginning of December and is going to cost me somewhere in the region of 800. I am now, however looking into buying a Golf which would cost me around 950 to insure if I was to start the policy from scratch. My question is if I go on to insure my Peugeot for 800, if I buy a Golf say, a month, afterwards will it cost me a lot more to change the car over or will it just be like the diference between the 2 quotes for a year? I really don't want to waste hundreds of pounds by changing the cars over a month or two into the policy.""

Pregnant with health insurance but no maternity coverage?

Would I qualify for Medicaid for pregnant women if I have cigna health insurance without maternity coverage? I live in Florida. If not does cigna offer maternity coverage?

I knocked someones car but he claimed for a lot more and now my insurance has gone from 400 to 900 - help!!?

Back in June I knocked into a stationary vehicle in a car park. I waited for the guy to come back and apologised straight away. (when its your fault in life own up) He was initially annoyed (fair enough) but went on to tell me that someone else had knocked into his car recently and caused 600 worth of damage (the other driver had sped off and hed already had a quote for the work). I cant remember the exact wording of the next bit - but it was understood that I would pay whatever it cost on top of that to fix the area (bumper / side corner area) We exchanged details. I told my insurance company what had happened and the previous damage. There were also photos taken at the time that I forwarded on (not sure if they were actually any help) Next I hear his insurance company has approached mine with a bill for 700. The total amount for fixing his car. I brought up the matter of the previous damage - couple of conversations between insurance companies - his asking him directly if there was any previous damage and him saying no. I told my insurance company that there was a friend with me (we were walking our dogs in the park) who had heard the whole conversation - in fact she was the one that took the pictures. She is a responsible, respectable person who was happy to make a statement. I was told by the insurance company that as it was someone who knew me - they couldnt be seen as an impartial person and they ended up paying the whole amount to his insurance company. I have just received my new insurance quote. Last year it was 437 and now that I have lost my 3 years no claims bonus (I have been driving for much longer but have only owned a small van for 3 years (practicality for my dogs muddy feet) and insurance starts again for vans) but I also have this 700 fault against my name this year. My insurance quote is now 960. Is there anything I can do. Does anyone have advice for any further action I can take? I believe in taking responsibility for your actions - but I am being cheated here out of a lot of money and I dont know what to do. If 100 was down to me then I could have just paid that amount directly and not lost my no claims bonus. But as it stands it will cost me around 500 this year and more again on the consequent years of insurance. Sorry for this being a long one but I really am lost. My insurance is due on 7th Jan.""

My boyfriend's nephew got hit but he doesn't have car insurance.?

my boyfriend and his nephew were involved in a hit and run. however, his nephew doesn't have car insurance, will this have an a negative turn out for him??? i don't care about the other guy having or not having insurance...but will his nephew get in trouble? we live in California, it is illegal to have a car with no car insurance, registration, and license. please help!!!...how would it turn out for him??? HE WAS THE ONE THAT GOT HIT BY THE OTHER CAR... his nephew is the victim""

Ok I am for the poor getting Health Care....And I am also for insurance reform?

for crying out loud there are kids poor with illness..for them to not be insured is just insane... 1.What I am not for however is this fine for not having insurance if you can afford it.It is there choice and they should be made to pay for there health care should it go South...If they lose there house,car etc than that is there fault because they made a choice.AND please don't come on here and say there is not a fine for it because there is..I just read it again... 2.What I would also like to know is why the Democrats voted out the amendment to the bill that stated that if you have insurance you will not have to replace it with something else?Is that not something Obama has already promised would be in the bill... Thanks for all the Answers ahead of time...""

""Car insurance, help please?""

I'm 18 years old & looking into buying a used 2011 nissan Altima from a dealer soon. My mom will be a cosigner for it & I was wondering if I would be able to insure that car under her name as the primary & me as an additional driver? Insurance rates are just too outrageous & unaffordable for my age & for new cars with full coverage so I'm really hoping that it would be possible for her to insure it since she'll be a cosigner. Thanks for all the help & answers, greatly appreciated!""

Cost of motercycle insurance?

when I search for this all I get is spam about how much you could save on your insurance. if it's not that then it: motorcycle gear, shows, accessories, video, ect. So I was just wondering is insurance cheaper for motorcycle than cars? Thinking about the differences; the cost of replacing the bike is less, the damage it could do it less, the injury to others is less, the injury to yourself is greater, it seems like it should be cheaper. espically considering that your health insurance will cover most of your injury costs this kind of insurance seems lower risk. But I wanna know from other bikers, is it cheaper?""

How likely is it that my car insurance will go up due to this?

Haven't had a claim in over ten years Haven't gotten a ticket in probably 5 years. But, the neighbor kid did $2K worth of damage to my car with his bike in three separate incidents. Basically, half of it will have to be repainted! I'd really, really rather not go to court. His insurance is NOT an option in this case. He doesn't have $2,000 laying around. IF I go the much easier route of getting him to pay at least my deductible, how likely is State Farm to raise my rates with a, after deductible, claim of about $1500 or so? Any relevant advice/comment is appreciated.""

How can i get a german Health Insurance from outside of germany?

I need to have Health insurance accepted in before i go there. i will be staying there. I cannot find any way to sign up for health insurance from outiside of germany.

Pregnant with no insurance?

I recently moved and I no longer have health insurance. I am 33 weeks pregnant. I do not qualify for Medicaid. are there any other inexpensive options? I am currently working part time but I won't be working for much longer.

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.

Pregnant and losing insurance?

I recently got laid off and don't want to use COBRA because of the high cost. I am only 31 so I don't think I can apply for Medical or Medicaid. I also know that I cannot get new insurance because I am already pregnant. Does anyone know how to get State-Funded insurance or at least assistance from the state? I live in California.

How do I get insurance for my child?

I have a son who is 1 and i have no clue how to get him dental insurance.?! He has the state insurance. But I have been trying to get my job to aplrove me for an insurance plan, but i keep getting denied and wont be elegibe til October. What do I do?""

Looking to get auto insurance... should i get life insurance ?

My brother told me to check out http://quck-insurance-quote.com is this a good site to shop around for auto insurance and life insurance, I drive fast and don't want my girlfriend to have nothing if I die.""

How much does car insurance cost?

I just bought a 2007 toyota corolla and I'm putting the insurance in my moms name. She's gonna list me on her policy, around how much do you think it will cost to register this car? I don't want an exact amount just ideal price. It's a 2007 toyota corolla s""

What would be the highest insurance group car i could insure when im 17?

What would be the highest insurance group car i could insure when im 17? like the 1-20 ratings?

What is mortgage insurance?

I'm supposedly getting a USDA Rural Development loan, it says on the site that you dont pay mortgage insurance and so u can get more of a loan. So do I need any other insurance?""

""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.""

Whats the cheapest 4x4 to insure at 18?

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

""I can't afford NJ car insurance, what should I do?""

I just turned 25 and I never drove a car before because of the high car insurance rates and the fact that my parents refuse to help me pay it. I have a job, but I'm also in college. I got my driver's permit this year, but no license yet. I got a quote on how much it would cost me to drive if I get the license, and it came out to roughly 5-6 thousand dollars a year, insanity! I don't plan to ever get a job that makes THAT type of money. Is there anything I could do, or did my parents screw me by not letting me drive all these years? I have to either walk or beg a friend for rides anywhere -- Granted all my friends are 'funded' by their parents, of course.""

Why is there such a big difference in premiums from reputable car insurance vs. cheap ??

Sorry for my use of generalizations, but its no big secret. reputable: American Family, State Farm, Farmers etc cheap : progressive, geico, etc. why are my quotes 3 times higher for the reputable, is it worth the drastic rate increase?""

How much is insurance?

how much is insurance for a 1978 corvette stingray?(i want to know how much it is and also if that price is low or not also if i got a older corvette would the insurance go down?) i am 16 but i have a 3.5 gpa im also a guy if that changes anything also my parents insurance is really low.

If i was to buy a 1.4litre car would my insurance be cheaper than what it is just now?

I am driving a 1.6litre at the moment

Can i go on another person's insurance?

im 18 and my mom doesnt drive. i got quoted for 358/month (female) would it be possible to go under another family members insurance (aunts, uncle) or does it have to be your parents (same adress)?""

California Health Insurance. 22 living with parents?

I recently graduated from university and have a job, but don't make that much money. I am currently living with my parents. My dad is 58 and makes 55k-ish a year. My stepmom is 60 and doesn't work. My 24 year old brother makes about 12k a year. Both me and my brother are both in debt from school. I can be on my dad's health insurance plan but it's too expensive. I think he claims me and my stepmom as dependents. What are my health insurance options? Any advice would be great. The more details the better.""

How much will insurance cost for a 16 year old?

im 16 years old and i wanna get a 1965 mustang and im wondering how much insurance would cost even if under my parent's plan

Can I get insurance on somebody elses policy?

OK, I'm 17 and would like to start driving when I pass my test. So as a new driver, can I insure a car on my mum's policy? (In the UK) I hear it's a lot cheaper, so how much would I save if I insured a 1 litre VW polo on my mum's policy? Compared to a policy of my own. Thanks in advance.""

""People w/o health insurance how do you pay for medical care, or do you?""

I looked into insurance available to me in Georgia and here what the least affordable costs me: $350/month, 20% specialist cost after a $3500/yr deductible, 3 doctor visits per year at $45 each, $20 for each prescription, no dental/vision coverage and other charges that add up to over $7500/yr. And all of this BEFORE the latest 14% price hike. I've decided to save up the same $7500/yr for medical expenses and chuck the insurance companies. I figure some years I won't use all the money and it could go towards the years when I need it. What's your solution?""

Will geico insurance rate go up from storm damage?

My car got hit from a piece of tree/brances and scratched and dent it a little, will insurace go up?""

What is the cheapest car insurance in southern california?

im 17 and a half, with C average grades. just started driving, what is the cheapest car insurance?""

How much would my car insurance cost?

Right now I drive a red 99 mustang. I am paying around $2500 a year through National liability & Fire Insurance Co. for car insurance with nothing against me (no accidents or tickets or anything). I am 19 years old and am looking into getting a red 89 Trans Am. I live on the east end of Long Island. Based on the above info, what do you think I'd pay monthly for car insurance for the Trans Am?""

Where did the myth that the color of your car is an insurance factor come from?

Where did that come from I hear lots of people saying that. That would be a sad day if the inusuance companies had that much say into how my car should look.

Motorcycle insuance question?

I am 18 in CA and I plan to get a motorcycle as my first motorcycle because of high gas prices. I am thinking of getting the Kat 600 because of its comfort, I read so many reviews how good it is for long trips and stuff, now how much might my insurance be, also take note that I am getting one used and that I have 0 road experience even in a car, and I am starting my own insurance policy. Thanks.""

How much is motorcycle insurance for a 20 year old male with a clean driving record on a 2007 Harley Davidson 883?

I live in Chicago, have been driving a car for 3 years with a clean record. looking at a bike but I probably will not ride it until next season. (The deal is to good to pass up and i ...show more""

Peugeot 206 gti insurance cost?

Does anyone know roughly how much it would cost for first time insurance? I'm 18 by the way.

""How much can I expect car insurance to cost if I am female, and have a used car? What is the range?""

I am looking for a car, I don't have a lot of money, and I'd like to have an idea how much my insurance would cost me. I am female, and a first time driver. Can anyone give me a price range?""

""17 Starting to drive, any cheap insurance sites?""

I'm now 17 and i am having driving lessons, i was just wondering if you know of any cheap insurance sites? Thanks""

Where can I get car insurance in Colorado (during the wildfires)?

I applied for auto insurance today and got the message, We Are Unable to Complete Your Request. Coverage is not available in your location because of a natural disaster or other emergency situation. I just bought a new car and now I can't drive it until these stupid fires go out, but I still have to go to work, still have to go to the grocery store, etc So what am I supposed to do? My daily life has not changed from the fire, and I need to be able to drive!!""

""Honda Sport 1.6 Insurance for an 18 years old, second driver...?""

I am looking to get 2004 Honda 1.6 Sport and I am only 18. My dad is planning to be the first driver and me as a second when it comes to the car's insurance. Guys, how much do you think the insurance would cost us?""

What is a cheapest insurance in PA?

The questions simple. I'm looking for insurance in name only. It's going on an old beater I maintain that goes from a to b and back again working each day. No prior insurance on it (well their has been for 4 years or so now but under a different name without mine being on the policy soo you know.) If it crashes and burns thats where the thing will stay after I haul it out and get any salvagable parts. Seems the general is a bit cheap especially when you can pay a years worth of coverage in one payment. (I can) Any other dirt cheap sites?

Do people with learner's permit have to be on the insurance? ?

I am 15 turning 15 1/2 on oct. 29 and my mom says I cant get my permit until she gets insurance on the car.How much does it cost exactly?

Ideas for Cheap car insurance?

17 getting a Suzuki swift. Need CHEAP endurance Anyone know?

How much would motorcycle insurance be for a 17 year old?

I was looking at either a 2011 Kawasaki Ninja 650R, a 2011 Yamaha FZ6R, or a 2009 Suzuki SV650SF. I live about 50 miles away from Washington D.C. in the suburbs. My grades are A's and B's and I'm in 2 AP classes. I've never had any traffic violations for a car, not that it really matters when dealing with a motorcycle.""

""My car insurance quote is 5,000?""

This is the cheapest quote given by the companies. I am 19 years old and working in a minimum wage job. How can they expect me to be able to afford 5,000 in insurance when I'm only driving a 250 car? How can this price come down? Will waiting until I'm older reduce the price?""

In wreck in oklahoma with out insurance what wil happen to me?

was in wreck with out insurance there were people hurt what could happen to her?

How much would my car insurance be?

Im 19, in about 2 and 1/2 years after i save about 30,000 I plan to get the 2012 Audi A7, how much do u think my car insurance would be monthly??""

Who has the cheapest car insurance in maryland?

Is it worth paying over $100+ car insurance?

I'm currently a college commuter and I drive a 1997 Toyota Corolla DX sedan with over 180k miles on it. My insurance company is GEICO and they put me on a 6 month payment plan where my premium is $839. Now the thing is that I pay about $140 a month for 6 months until that total is paid off, but is it worth paying $140 car insurance for a car that was manufactured in 1997 with over 180k miles and doesn't run or look to good at all. Should i try to finance a preowned or used car? If so how should i do it? I know there are many options in paying for a new car, but I'm 19, in college, working at Walmart part-time, and own a online business. Tips are appreciated.""

If i was to buy a 1.4litre car would my insurance be cheaper than what it is just now?

I am driving a 1.6litre at the moment

https://www.linkedin.com/pulse/how-much-cost-insure-2012-ferrari-california-aston-martin-taylor"

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