Why can’t I get a decent car insurance premium?

I am a 27 year old male with no points on my licence, its been six years since any kind of accident, I have never been pulled over and given a ticket in my life. It seems that no matter what kind of car or what location Im in I can not get a good car insuarance rate. At one point I was paying over $4000 a year. I recently did an inquiry to see what it would cost to insure a 99 toyota tercell with an alarm, various anti-theft devices and in a state that is known for having lower cost insurance, plus it would only be for work and less than 10,000 miles a year in driving. I was quoted $209 a month! Other than one accident 6 years ago, I have a spotless driving record, why are my insurance costs so crazy?
Thanks for all the help everyone, but I forgot to mention that the $209 is just for liability with a $2000 deductible. This is with many different Ins companies. I think I am just unlucky.

have you kept continuous coverage, if not, that can raise your premiums. Also, I heard somewhere that insurance rates don’t drop for a guy until 30. Sorry!

Does universal life insurance make sense for us over term?

We are in the process of getting life insurance quotes. Married, wife is 23 and husband is 27 (he is a pilot so has horrible rates). At first we thought we would want a 30 year term policy for $300k. When we met with an agent he gave us quotes for term and universal life. The premiums were about $30 more a month (increased from $170 to $200 for the two of us) for the universal life policy. I would have never considered a permanent policy until receiving these numbers as from my research I thought we would get very low term rates and unaffordable permanent policy rates. $200/month is unaffordable so we are likely going to drop our amount of coverage to the minimum we’d need anyways. I don’t foresee us to need insurance after the 30 years is up, we would rather invest on our own, etc. Just looking at the cost per month and that after 30 years we’d be out the $170/month with nothing to show except peace of mind vs. after 30 years paying $200/month having a bunch of money guaranteed to us (another form of retirement savings although with high fees), would it be dumb to choose a term policy because of our weird rates? Which should we pick (I am still shopping around to make sure I can’t get a better deal on term but this is going through our family’s agent)? Thanks!
From the guaranteed projections for this 50% fixed 50% variable (based on S&P500) policy we would come out ahead vs. investing the $30/month difference on our own. Otherwise, I would never even consider this. I had always heard it was better to get term insurance. Thing is, our rates are so high as my husband is a pilot (otherwise it would be under $80/month and term would be a better deal). The goal is to protect the surviving spouse against our debts for the next 30 years while we expect to have debts (or our parents if both of us die). Are there any other types of permanent insurance that we should look at instead that may still make more financial sense than universal? I am also getting more quotes to see if this term quote was high. Also, this rate is subject to decrease after they evaluate the questionnaire my husband answered about his flying (the agent assumed he would get the same rating as his other clients who are pilots). We have separate retirement savings.

It’s impossible to say which you should pick, because from what I see, you’re "trying to get a deal". You haven’t done the MOST important thing, when buying life insurance – SET THE GOAL.

What’s the GOAL you want the life insurance to acheive?

Keep in mind, life insurance is primarily a DEATH planning tool, and a for most people, a crappy investment tool.

Always RUN THE NUMBERS. Then, check the guarantees. Many agents sell Universal Life based on the BEST possible scenario – which leaves many, many MANY unhappy insureds when the market is down – like now.

Set your goal. Compare UL products based on minimum GUARANTEED returns. I think when you read the small print, the amount that’s GUARANTEED, is NOTHING.

And compare to average stock market returns here:http://www.msfinancialsavvy.com/calculators/monthly_deposit_savings_calculator.php

$30 a month for 30 years at 10% – stock market average – adds up to $$69,000. Compare that to the GUARANTEED amount on the UL, and verify that the PREMIUMS are guaranteed level, also.

whenever a website 404′s, I get an annoying search page?

I’ve wanted to fix this forever, and have tried recently, but there doesn’t seem to be any information on removing this small problem when I search google.

The contents of this search page:

Sorry, the page you have requested cannot be found.
Please re-enter a search term:

or click on the of the popular category links below:

Popular Categories
Travel
Airline Tickets
Car Rentals
Hotels
Cruises
Vacation Package

Personal Finances
Payday Loans
Bad Credit Loan
Credit Report
Mortgage Rate
Car Loans

E Commerce
Home Businesses
Make Money On Ebay
Money
Logo Design
Web Design

Lifestyle
Fitness
Dating
Weight Loss
Singles
Spa Treatment

Real Estate
Mortgages
Refinancing
Home Equity Loans
For Sale by Owner
Credit Score

Music
Free Ring Tone
Music Downloads
Ipod
Ring Tone
Mp3

Education
Online Education
Nursing Degree
University
Business Schools
Music Education

Insurance
Life Insurance
Co-Life Insurance
Car Insurance
Home Insurance
Auto Insurance

Pharmaceutical
Tramadol
Phentermine
Cialis
Hydrocodone
Soma

Sports and Shopping
Ebay
Fantasy Football
Slot Machines
Replica Rolex Watch
Overstock.com

[/end quote]

Does anybody know how I can remove this, so I can actually stay on the website when it 404′s instead of redirecting to this below mediocre search page?

If this same page appears on any website that 404s, either your ISP or a browser plugin/toolbar is hijacking the page. First try disabling any toolbars you have on the browser, and if that doesn’t work, try contacting your ISP.

NEW STAY-AT-HOME-MOMS: Are you finding that you now have time to manage your household finances / accounts?

For example, since I no longer work full-time, I now handle all the bill-paying and have had time to set up our life insurance / will / trust (something we didn’t need before having a baby), check quotes to improve our insurance on other items, redo our investments and move around checking / savings accounts as well as get credit-cards where we get a better interest rate or cash-back reward program.

I never would have had time to do all of this at work (especially since all calls have to be made during business hours) and I am wondering if any other new mom’s have also become the new CEO / CFO’s of the household now that they are home during the day??

Being home during the day sure makes doing these things easier although you are going much further than I ever did. But yes, by default I became the person to handle the family business when I began staying at home.

Life Insurance for a Thai citizen?

I’m trying to find insurance companies that provide whole or term life insurance to Thai citizens living in Thailand that provide quotes on the internet, or easily through email or online forms. At the very least, I’m looking for insurance company recommendations for Thai citizens living in Thailand. I’m not sure which ones are legitimate. I don’t want to deal with one that will give the insured person problems or one that will close up shop in a few years.
I know there are many insurance companies – I am looking for recommendations from personal experience.

Many insurance companies here have you tried to google it. Your get lots of results. AIA is one of many life insurance provides here also most of the major banks have a life insurance program. However most of these sites will be in Thai and unless you can read thai is may be useless.

Free term life insurance quote?

How do I get a term life insurance quote online?

http://unblockhi5.cn/health-insurance.html

http://unblockhi5.cn/health-insurance.html

http://unblockhi5.cn/health-insurance.html

My recommendation is that you call a LOCAL agent and have him/her do a FREE personal Financial Need Analysis (FNA), or other Total Need Program, to help you determine exactly how much life insurance you need, and what types or combination thereof, to accomplish your short and long-term goals and objectives. (Your quote will also be FREE.)

Keep this in mind, that Term insurance is designed to cover a temporary need for a specified period of time. According to insurance industry studies, only about 1% of death claims are paid by Term policies. The reason is that either the policy expires, lapses for non-payment, or is converted to Permanent insurance prior to the death of the insured. This is also the reason that Term insurance is so inexpensive, because insurance companies don’t expect to be paying the claims on Term policies.

With the above information in mind, you may want to consider a combination of Whole Life and Term. But the decision is completely yours, after you have gained knowledge from the personal FNA, of what your total need for life insurance is. It’s YOUR plan, and no one else’s.

The FNA will also help you determine if you need Disability Income Protection, to provide an income should you be hurt or sick and can’t work. It will also help you determine if you need an Individual Retirement Account (IRA) to provide an income at retirement. (All that will be there when you get there is what you send on ahead.)

According to statistics, disability is a greater risk than death prior to the age of 65.

How flexible are life insurance quotes. Can I negotiate with company for a better rate.?

I got a quote for my family and me for life insurance (20 years/400K each). I would like to negotiate a better rate with the broker (assuming same coverage).Can it be done, or are the rates fixed, is there room to negotiate. we did the blood work and were offered standard rates.

Your rate can not be negotiated when the underwriting is done. If you don’t like your rate, you can refuse to accept the policy within 30 days and there will be a refund of premiums.

What you can negotiate is going through different companies. Shop around. Make sure you check the financial strength ratings from AM Best!

Try this site

http://free-best-life-insures-comparator-usa.blogspot.com/

Here you can get quotes from different life insurance companies in your area, its the best way to find an affordable life insurance with a reliable company.

What companies still offer "actual" Mortgage Life Insurance policies?

Unfortunately, there is some extensive health history that prohibits the application of such traditional Term/Whole life solutions. From what I understand, actual Mortgage Life Insurance is a decreasing plan (following the decreasing principle of your loan) that is shared by both borrowers and designed only to pay off the mortgage in the event one or both borrowers dies.

Can you give me the names, ph#, email, URL, to any companies that offer this specific insurance product?

I have already asked my lender, loan servicer, and about 100 different B.S. online quotes Thanks.
Just to be crystal clear…I am not looking for Term Life Insurance, Whole Life Insurance, Variable, Universal, or any other typical live insurace vehicle. Eventhough the insurance industry has muddiedthe definiton; "Mortgage Life Insurance" is a specific product in it of itself.

Primerica is a company that offers decreasing term insurance. This is what you would call mortgage insurance. But you would have to qualify for health questions. Think about it, you are looking at a large amount of money. The co. wants to be sure that they pay out as little as possible. They want healthier individuals to be policy owners. So, you are looking for decreasing term insurance. Look in your yellow pages for Primerica.

US HISTORY Need to know for test PLEASE HELP?

31. Which groups in the 1920s opposed immigration, feared the Red Scare, and believed white Protestants were better than others?
(Points: 5)
communists and Jews

labor unions and nonwhite Protestants

African Americans and Catholics

nativists and the Ku Klux Klan

32. What resulted in an increase in organized crime and bootleggers, and a ban on the sale of liquor during the 1920s?
(Points: 5)
the Supreme Court decision in Capone v. United States

action by the Women’s Christian Temperance Union

a relaxation in FBI attention in order to focus on communists

passage of the 18th Amendment

33. What was a common element of the Harding, Coolidge, and Hoover administrations?
(Points: 5)
an increase in the size of the federal government

a military buildup to prepare for another world war

an emphasis on big business and corporate power

strong support for the League of Nations

34. What did falling purchasing power, stock speculation, and banking crises lead to?
(Points: 5)
the Great Depression

less government regulation

the downfall of the Democratic Party

overseas investment in the United States

35. What caused the October 1929 stock market crash?
(Points: 5)
falling stocks purchased on credit

bank refusals to provide credit to businesses

government overregulation

investments in banks that failed

36. What was one consequence of the severe drought in the Great Plains during the 1930s?
(Points: 5)
Farmers were forced to plant more corn and less wheat, which was more profitable.

Many farmers left for California.

Farmers developed more effective irrigation methods.

Rains finally came and farms revived.

37. In addition to lost jobs and poverty, what was another effect of the Great Depression on American lives?
(Points: 5)
a drop in marriage and birth rates

an increase in people defaulting on taxes

a decline in the number of radio listeners

a rise in unemployment insurance claims

38. How did Herbert Hoover’s philosophy of government affect the Depression?
(Points: 5)
It allowed the Depression to run its course.

It deepened the Depression because nothing was done to address the causes.

It eased the effects of the Depression because financial institutions knew they could respond freely.

It created a congressional roadblock because Hoover threatened to veto any proposed legislation.

39. What is one way that Franklin Roosevelt maintained a close connection with the American people?
(Points: 5)
by using memorable quotes

through regular fireside chats on the radio

by delivering his State of the Union addresses in different cities across the nation

through weekly newspaper columns

40. What was the name for Franklin Roosevelt’s agenda for solving the problems of the Great Depression?
(Points: 5)
the New Deal

the Government Operating Plan

the Good Deal

the New Agenda

41. Which agency created during Franklin Roosevelt’s administration is still functioning today?
(Points: 5)
Federal Deposit Insurance Corporation (FDIC)

Civilian Conservation Corps (CCC)

Works Progress Administration (WPA)

National Industrial Recovery Administration (NIRA)

42. What were the main goals of Roosevelt’s New Deal legislation?
(Points: 5)
new institutions and buyouts of investments

unemployment insurance and stabilization of the international economy

relief, recovery, and reform

assistance for the poor and recovery for the rich

43. How did the leadership of many European governments change during the 1930s?
(Points: 5)
Leaders paid down debt but incurred deficits.

New leaders asserted the importance of democracy.

Kings regained control in war-torn areas.

Fascist dictators assumed power.

44. What actions taken by some European leaders in the 1930s contributed to the start of World War II?
(Points: 5)
refusing to pay the debts incurred during World War I

raising taxes far beyond people’s ability to pay

torturing and refusing to release World War I prisoners of war

invading other countries to add territory

45. What action indicated that the United States would resume a policy of isolationism during the 1930s?
(Points: 5)
Congress passed five neutrality laws in order to stay out of any conflicts.

The U.S. Coast Guard and Army combined to establish firm border security.

European nations attempted to sign agreements with the United States, but the government refused.

The United States failed to pay

some other ones i know

31. D
32. B
34. A
35. D
36. B
37. A
39. B
40. A
41. A
42. C
43. D
44. D
45. A

what is the difference between term/whole life insurance vs accidental death insurance?

I’m trying to buy life insurance for myself and my mother. I read up on this survivorship insurance which sounded pretty good since I wanted something for my mother if I were do die first and vice versa. but most of the online quotes I saw were between spouses…

But I got confused when I read about accidental death ins- does this mean I will not be covered if I die of an illness or old age- but instead must die of an accident such as auto or slip and fall??

secondly, would I get taxed on the interest earned on the universal/whole ins or when the policy is paid out/ surrendered?

Correct. Term/whole life insurance covers you if you die, no matter what the cause. Accident only covers you if you die by accident – not murder, not old age, not cancer, not heart attack, not stroke. Not covered.

Universal life is tricky. Unless the interest is added to the face value for payout, it’s not taxable when you claim it. And when you surrender the policy, it’s only taxable if there’s a GAIN – ie, you get back more than you pay out. Which is pretty rare.

Bottom line – insurance is good if you die. Investments are good if you live. And insurance isn’t a good investment. It’s a good PLANNING tool, but not a good wealth building tool.

Don’t buy accidental death. Don’t buy whole or universal. Buy term, invest the difference, and you’ll be MUCH better off in the long run.

RUN THE NUMBERS. Do the math. The numbers speak for themselves.

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