NLIC.org

Viola Said:

I am investigating the prices for auto insurance, and health insurance. He is on the road traveling on busines

We Answered:

Is his COBRA going to expire? If so, you need to act FAST and get Short Term medical coverage so you don't have a lapse. Go to any major insurance carrier (State Farm, etc.) and they can probably offer you some kind of short term medical coverage that will last you after your COBRA expires. In the mean time, you also need to immediately star the process of qualifying for regular health insurance. Remember: it can take WEEKS before you are approved for health insurance, dependent on how quickly your health providers respond to requests for information. So don't wait!!

Kristen Said:

How will a Driving Wrong Way In One Way conviction and a Careless Driving conviction affect my auto insurance?

We Answered:

You can compare how the insurance quotes would change, for example here - autoinsurance.maclenet.com

Warren Said:

does anybody know the average auto insurance prices in oahu hawaii??

We Answered:

Looks like the average gas price is around $3.60.
http://www.hawaiigasprices.com/

In Hawaii, the average expenditure per passenger automobile insurance is $843.
http://www.automotix.net/carinsurancehaw…

Dustin Said:

auto insurance prices for...?

We Answered:

There are way too many variables. No one here can even give you an intelligent ball park estimate

Melinda Said:

Looking for the best prices in auto insurance and Quick!?

We Answered:

Just remember CHEAP and FAST isn't ALWAYS best!!

Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit score es and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.

The best thing to do is call a LOCAL independent agent. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.

An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!

Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!

Good luck, drive RESPONSIBLY and I hope this helps

Shirley Said:

What can I do about auto insurance price gouging?

We Answered:

All insurance companies are different when it comes to their underwriting procedures. These procedures determine if your policy rates change due to additional exposures. Underwriting procedures are on file with the state you have insurance in. Insurance practices are regulated by your state and there is no arbitrary price gouging.

Long time policy holders will often get accident forgiveness provided they have low frequency. Some will waive the first accident.

It also depends on the total claim payout at times. For your vehicle damage, you may have a Collision claim with your insurance carrier. Collision losses may or not be surchargeable. There is usually an accident surcharge threshold, where the pay outs under Collision and Property Damage together must equal a certain dollar figure before the policyholder will get a surcharge.

Comprehensive claims are rarely surchargeable.

Sometimes, any accident where a BI claim is paid out will be automatically surchargeable.

Unfortunately, now that you have an at fault accident on your record, it will be more difficult for you to find low-cost insurance.