Best answer:

Answer by TradeMark Express
Associations may be able to assist you — I posted some of the links I found.

Hope that helps! I wish you much success & happiness in all your ventures!

Know better? Leave your own answer in the comments!

There has never been a better time to reduce all our monthly expenses. If you own a car then an item you would love to spend less on is car insurance. Of course, doing that may mean that it is time to shop for cheap car insurance. If you have ever done a pricing comparison on car insurance then you know that this is not necessarily an easy chore. The thing that makes shopping for cheap car insurance tricky is that cheap does not necessary mean best value or least expensive. A super low monthly or quarterly rate doesn’t save you much money if the time comes to file a claim and the company that writes the policy won’t (or can’t) pay. If you aren’t smart and careful in how you shop, cheap car insurance can actually cost you more in the long run.

Your very best resource for finding discovering information about cheap car insurance is by talking with your friends and family. You may even discover someone who has already been through the process of researching insurance rates. In any case, you can get the inside scoop from people who actually have used certain companies. This will give you a good clue about how companies deal with their customers and how quickly they pay their claims. One other way to gather information is by consulting with insurance agents. These professionals will be well informed on the major companies that serve your area and who has the best prices.

Once you have tapped your network of acquaintances and insurance agents for information on cheap car insurance you can turn to the Internet. All you need to do is search on your location and “cheap car insurance” and you’ll find yourself presented with dozens of results for companies offering to provide you with insurance. From here you can compare prices and features. It is likely that much of what you find will match up with what you found out from your very non-scientific poll of the people you know. You should now have a short list of companies that intrigue you. By digging a little deeper in to each company you should be able to make a decision on which company is right for you.

Policy prices are based on a number of different factors. This can make it difficult to determine if you are actually getting cheap car insurance. What may look cheap on the surface may not include all the options you need so the final price doesn’t end up being that cheap at all. Before you even begin to look for cheap car insurance you need to determine what kind of insurance you need and what policy limits and deductibles are the best for your particular situation. That way, when you find something that appears to be a good cheap car insurance policy you’ll be able to assess whether or not it will meet your needs.

One way to be sure you are getting the best price possible is to take full advantage of any discounts that may be offered. Most companies offer a variety of discount programs based on factors such as driving record.

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Obviously you have bought your new car after waiting so long and after making so much money. You can obviously not see or feel anyone damaging or even standing by your new car. What if beautiful and shiny new car gets an accident in a parking lot or just due to a rainy day? You can definitely not bear this at first place. But since you cannot neglect the truth, you will have to face it. And, you will need to find a way that can again give you the same new car or can make your existing car look like the new one. Yes, there’s a similar solution for such mishaps. And, that solution is ‘insurance’.

Auto insurance policies, which are also commonly known as motor insurance or car insurance policies are quiet interesting and deliver great benefits to its holders. There are different types of insurance policies designed for different types of vehicles and for various types of people. The good thing is to understand your actual requirements and needs. Though different countries have different requirements and different terms and conditions for similar type of insurance coverage, but it is necessary to learn the basics of auto insurance which are implemented on all type of car insurances.

Almost every country hosts a good number of insurance companies, a good number of which include auto insurance companies. Each of these auto insurance companies has more than three or four insurance packages. So, in total this makes a sum of about more than hundred auto insurance packages available in your country/city. Finding the most perfect, cheapest and best auto insurance package for your vehicle can be a daunting task. You should start your search using internet. Internet is probably one of the greatest sources considered in conducting online free searches and researches.

There are thousands of websites which you can use to conduct your auto insurance research. Most of the insurance company’s websites allow you to enter your budget and give you the most perfect insurance premium and quarterly or yearly payments depending on your budget. You can either use such auto insurance calculators or can directly call the auto insurance company. They can guide you more clearly and openly. You should not feel ashamed asking any questions regarding budget and expenses that will be incurred in whole of the insurance policy. Remember that the clearer you are, the easily and quickly you will be achieving your task.

Beware of the fake and fraudulent insurance company out there in the black market. They are just there to steal the money and give you an extra expense in addition to the expense of your car. Getting in the trap of such fraudulent insurance companies can be proved very unhealthy for your auto insurance as well as for your bank. Therefore, it is always recommended to conduct a brief but resourceful market research before you purchase any auto insurance policy for your beloved vehicle. Always make sure you are spending your hardly earned money in a legal, registered and renowned insurance company.

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The problem with the current system is not too little insurance, but rather too much insurance. Back in the days of 90% tax brackets, businesses competed for employees by offering health insurance (and of course, they kept adding unnecessary aspects to health insurance; car insurance doesn’t cover gasoline, yet health “insurance” usually covers these types of things in addition to necessary care, which allows doctors to jack up the prices since the patient doesn’t pay).

What we need to have in health care is a system where insurance is limited to covering major illnesses (and is a voluntary purchase, not forced on people at gunpoint by the government). For many people, it is a perfectly reasonable choice not to purchase health insurance, despite what some fascistic-minded (yes, fascism refers to the merger of corporations and government at the expense of the people, which accurately describes the economic policies of the Democratic Party and of the “mainstream” of the Republican Party; racism was predominantly a phenomenon in Hitler’s National Socialism, not other fascist movements and the claim that fascism is a form of capitalism is an old Comintern smear; as the fascists themselves pointed out, fascism is the middle-of-the-road movement between Capitalism and Communism) politicians might think.

It is long past time to shift the debate over health care from the current false dichotomy of the current mixed system VS ObamaCare Inc. to a broader debate focusing on the merits of free market medical care VS the Fascist and Communist alternatives.

Best answer:

Answer by Case
Sheeple don’t want to wake up.

Free market for the poor, socialism for the rich.

Add your own answer in the comments!

Car insurance for families with teens might be a little more pricier, but it can protect you from financial disaster while protecting your car, your driving teen, and your family.  Comparing policies takes time and effort, but it’ll bring you the best budget car insurance to keep your family safe and your budget under control.

To find the best budget car insurance for your teen, arm yourself with information and start asking questions beyond the provisions of the first quote.

Your car insurance company might provide you with a great policy if you’re a well-to-do couple with a clean driving record, but as soon as you add a teen on to that policy, the risk to the insurance company doubles, and many car insurance companies discourage car insurance for teens by requesting budget-straining high premiums and deductibles.  However, others are creating strategies to recruit the teen drivers that are most likely to be a relatively safe risk, such as offering discounts for high grades and driver’s education, or even non-smoking.  By targeting the low-risk teens, these car insurance companies gain a lucrative market that conventional car insurance companies may pass over, thus creating a financial environment which allows them to offer budget car insurance to attract teens and still make a profit while parents and teens save money.

The biggest car insurance company isn’t always the best car insurance company, or the best for your budget.

Budget car insurance for teens through a new car insurance company may even result in a savings on your entire family policy.  With a budget car insurance policy that fits your family, your budget, your cars, and your family will be well-protected.

We have traditionally, for at least 150 years allowed the Courts to strike down certain contracts as “contrary to public policy”

Beyond that, for the past 80 years we have allowed a wide variety of Executive Branch and Independent Agencies to prohibit certain contracts if they are milsleading, fraudulent or predatory.

So, the answers should start with reality — the jurisprudence that we have — and not try to re-invent the whole thing based on a Wild Wild West Theory, which I know is extremely popular in the Deeply Stupid Zone of America.

Here’s my take for what it’s worth, to maybe get you started towards a rational and useful answer:

I think the government does have a right to read over all contracts that are being offerred to many people as part of a company’s business model.

Many of these contracts are way too complex, not by a few percentage points but by millions of percentage points. Whole lawschools full of merit scholars could not possibly figure out what they mean or what the rights of the parties are. Credit card company contracts, and health insurance contracts are very often like this, but also the Countrywide-style mortgage contracts.

The government has a right to weed out particularly obnoxious and socially harmful contracts and just issue administrative orders prohibiting these predatory, or obscure, or unintelligibe contracts. Mr Mozillo might not like it, but the well being of our society requires that this be done.

That having been said, the government has no right to completely destroy and disband the health insurance industry by telling insurors that they must issue policies without measuring the risk. That’s the whole basis of any insurance contract. Without that what you have is a conditional contract to make a gift.

Insurance is a bet. The insured is betting that he will get sick. The company is betting that he won’t. The bet is aleatory in that the basic fact of sickness vs wellness has not yet been determined.

If the government tells insurors they must insure sick and well alike, then there is no bet. It’s not really insurance. It’s ordering the insurance companies to give away free gifts to sick people, that in exchange for a standard level of premium, or perhaps just a bit above, the company will bet that a person is knows to be sick right now will not get sick.

That’s not insurance, it’s a free lunch. No business in the history of the universe has ever existed based on giving away free lunches. Soup kitchens maybe, but not for-profit corporations (or cooperatives).

So, the government has no right to tamper with whatever insurance companies may wish to do about pre-existing conditions, unless the Federal goal is to destroy the private insurance business utterly.

Well, in USA anyway. The Federal government could not regulate British or Swiss or Dutch insurance companies — which is where 100% of the American business would go if the Fed tried to tamper with how USA policies must be written.

Betters must be 100% free to make their bets according to their own judgment. Take that away, there is no business. No corporation can afford to be a money machine that hands out free $ 100 bills.

All the free market geniuses in Washington DC can’t see that. Why? How did they get so dumb? Is it possible that they are simply unaware of free-market economics? If they went to a marxist Ivy league school, that might be possible, I guess. Harvard people don’t see any reason why any insurance applicant should ever be turned down for health insurance whether or not he has a pre-existing condition (including mortal illnesses). The sicker he is, the more benefit he’ll get out of the insurance contract, so by all means let him have it. For Harvard people there’s no flaw in this reasoning. It makes perfect sense.

But what do you think? That’s what I’m asking — Your Views!

(P.S. I would be very grateful if we could make this question a Clown-Free Zone. So please if you want to write jokes or insults, skip on to another question. Let’s have serious people here. This is a pretty serious matter of national policy.)

Best answer:

Answer by liberal_60
I think one of your basic ideas is incomplete. You wrote:
“Insurance is a bet. The insured is betting that he will get sick. The company is betting that he won’t. ”

No. Everyone knows that almost everyone will get sick, the unknown is when and how much it will cost.

Actually, insurance primarily is a risk spreading device, not just a betting game. That is why you can’t take out an insurance policy on someone else’s health. You must have an “insurable interest.”

Insurance allows individuals to share risk with other individuals, and spread the risk over time. The manner in which that risk is spread, the details of the policies, and sometimes even price, are factors been heavily regulated by government and/or industry associations since insurance came into common use. The purpose of the regulation is to make sure that the insured is receives the protection paid for, while allowing the insurer a reasonable rate of return.

What do you think? Answer below!

The law requires liability insurance for all drivers and vehicles. This means that if you are involved in a serious accident, and it turns out that it was your fault, your insurance company will pay out any claims that are made against you. Extra coverage on your own vehicle, called comprehensive insurance, is optional.

Insurance companies based on a number of risk factors will calculate the price you pay for this insurance. Basically how it works is the more they feel you are at risk of crashing, and the more they think the resulting crash will cost them, the higher the premium you’ll pay.

Assessment

Common factors that will be used to assess the premium are the value of the car you’re driving, the safety of that vehicle, the coverage you want, will there be deductibles or limits etc.? How much you’ll drive the car, how your driving record stands, how long you’ve held your license, your age, and if you are young, also your sex.

The premium is then calculated. Usually there is a flat per car, per year rate that everyone pays, regardless of other factors. The other factors will then alter this rate, generally upwards. So if your car is especially fast or dangerous your rate will be increased by a set amount. If it is very old, your rate goes up. If you’ve had one or more accidents in the past, your rate will go up. If you’re young and male, your rate will go up. The more of these factors you satisfy, the more your rate will be going up.

Discounts

As a sales enhancement, many car insurers offer a “low estimated future mileage” discount to customers who predict that the car’s mileage will be below some stated limit during the next premium period. There is no verification involved and no additional charge if the car is subsequently driven more than the stated amount. This arbitrary discount tends to foster customer belief in the mistaken idea that “miles” are just one of many classification factors used to raise or lower prices from the territorial base rate. In fact, odometer miles (which insurers do not use) are not a factor but a metric – the only valid basis for measuring each car’s consumption of insurance protection in on-the-road use.

The best way to save on car insurance is to shop around, keep a good clean driving record, drive safely, and choose reliable cars that are not known for their power and speed.

? your just fed up trying to find the best Derna? Minute Packages for your car insurance? You don ‘? Not your m? Me far, satisfied with your insurance company because you refuse to settle for less than the best last? Minute Packages .

insurance companies is important for any business if they r? ussir. A soci? T? who fails? plan? No advance? gliga to find insurance companies could? be ruin? in an instant with a single m? my claim. The insurance companies can? Be divided? Are two cat? Categories: property and business insurance D? Contract? (P & C), and carrier employees? S business benefits. The initial registration is important for the protection of the company and the second is more for employee satisfaction? S company.

There are a lot of diff? annuities cat? categories of goods and casual insurance. Some are required by law for most firms, while others can not? Be n? Necessary for more specific types of businesses. One of these types of P & C Insurance of Liability? Civil g? n? eral is the insurance coverage. That you prot? Ge r the cons? Proclamation by third parties. A single lawsuit could ruin your entire business, if such insurance is tr? S important to get.

Another important type of insurance against accidents at work. This is required by law for any business with employees? S. This is to cover the r? Proclamation of injury to employees? S work. This is Particular particularly important for the soci? T? S in which employees? S manual labor.

LIABILITY? professional errors and omissions insurance is n? necessary for companies that are involved?’re in professional services such as insurance agents, lawyers, accountants, and providers of care m? unionism. This is n? Necessary to have because everyone is going to make a mistake? one time or another, and you’ll need to prot? ger your company against lawsuits.

If you have v? vehicles for business, you? LIABILITY also need insurance? Commercial Auto. If your business is going? Be transporting people or goods with a V? Vehicle of soci? T?, Commercial auto insurance LIABILITY? Preparedness is a must. When you buy a package for this insurance, the following things are g? N? Ally as follows: the responsibility? Auto payments m? Medical, collision coverage, a full coverage? you, coverage for automobiles lou? s or loan? s not insured? s or under-insured? s coverage of motorists, and coverage for employee? s using their own cars? commercial purposes.

The other cat? category of insurance companies is Employee Benefits. Included in what health insurance, dental insurance, the r? Regimes of pension, life insurance, insurance invalid?, Insurance and vision. The company may choose to have all these cases, some of them, or m? Me none of these. Health insurance is the most commonly offered. Companies may choose to offer? their employees? s, for several reasons: for morale? s, to r? reduce staff turnover, and tax benefits.

To find business insurance online, you can visit the websites of the diff? annuity insurance companies and request a quote online. Many companies offer? both P & C Insurance and employee benefits insurance. There are also sites that will give you quotes from several insurance companies so you can compare. It is a tax, although s? St Many websites designed to make the inscription? insurance companies as easy as possible.

Obtaining CGU car insurance may seem to be a very complex process. But that is not the truth. Let’s consider the important points you need to take care of to apply for and to obtain CGU car insurance.

There are no written guidelines regarding the instructions to obtain the right auto insurance policy suitable for you online. But, if you have a clear understanding of how each part of your car insurance policy works, it can save you from unnecessarily losing a lot of money when you apply for a claim, the next time.

The plan corresponding to a standard or a normal car insurance policy consists of six parts. They are as follows: Comprehensive and Uninsured Motorist, Injury in any part of the body, any liability on property, and Personal Injury.

Among these six parts, bodily injury and personal belongings liability are two major parts. They comprise the liability insurance. These areas of an insurance policy ensure the insurance to injuries caused to someone and to property. You can search for information corresponding to any of the 50 states of United States from the website of the National Association of Insurance Commissioners. The conditions and terms are written in sets of three, and it clearly states the amount in millions available to the victim if an accident occurs. The premium you might have to pay is obtained form the sum here.

The next part is the personal injury coverage. This part of the policy works on auto coverage and works online. This portion of the insurance cover helps to protect against two factors; that is the cost of treatment of the victim and the loss in salary to the insured as well as other passengers who were hurt during the mishap. Further, those persons involved in the mishap, and who hold an outstanding medical or disability insurance policy, need not expand their PIP coverage. An alternative to this is that, those drivers who have an outstanding health as well as disability insurance can think of the lowest limit of PIP coverage in terms of what the state requires.

An accident and complete policy might completely increase the significant costs to coverage payment. When an accident occurs, it provides insurance for any damage or loss caused due to it, irrespective of whether the collision happened with another motor car or object. A complete insurance policy will certainly provide coverage to your vehicle even when there has been theft or natural calamity.

An uninsured motorist policy gives protection fro collisions happening with other motorists who may not be having an insurance policy with them. Uninsured driver online vehicle insurance helps to cover if the driver is at fault and does not carry the liability insurance cover to recover from a loss due to a mishap.

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