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Gloria Said:

How to shop for car insurance rates?

We Answered:

Spam is unsolicited offers, like printer cartridge ads on TV while you are watching *Spiderman*.
Insurance agents won't spam you trying to sell you something, but they'll phone you trying to sell you insurance which is what you need by your own words.
And.. you don't have to buy anything, tell them you want to know their price and that you'll call back the cheapest one that offers what you need.
That's it. Let them talk a bit and by the time you choose one you know_what_you_are_doing and why they need to know about you before they can take a risk.

You can also can create an email address just for spam, it's free and takes less than 2 mins.

Kurt Said:

Obama Compares forced health insurance with car insurance? WTF/ No one is forced to buy a car?

We Answered:

Car insurance protects against accidental damages. It doesn't pay for maintenance like tires and tune ups. If we treated car insurance like health we would expect it to pay for the gas to. Stupid politicians.

Jaime Said:

Car insurance compared to motorcycle insurance?

We Answered:

that depends on a lot of factors, including, but not limited to:

- your age, and in some cases, riding experience (Geico asked me. Progressive didn't)
- the size/style of bike (a 600cc sportbike is more expensive to insure than a 1200cc cruiser)
- the cost of the bike
- how much coverage are you planning to carry?
- area of the country (In OH, i get 6-7 months of riding in a year. In AZ or FL, they get more riding time, so they pay more. theft rates in FL are also insane, so that drives up their premiums as well)

If you purchase only the minimum required coverage (liability), I'm sure you could find quotes for under $100 a year.

But realistically, you want injury coverage. Personally, I have a lot of un-insured/under-insured motorist coverage so my injuries are covered if some idiot hits me. I don't carry ANY coverage on my bike, because it's simply not worth very much.

get a quote through one of the major insurance company web sites and see for yourself.

Lydia Said:

Is it possible to cancel the signature of auto insurance for new car?

We Answered:

This is going to be very lengthy so forgive me. Lots of people make big mistakes in situations just like these.

YES, that policy can be canceled and you can even request a back-date cancellation. This will make the policy as if it never existed which means you'll get the full amount of premium back. You'll just need to ask them specifically for a backdate cancellation and tell them that it's because you didn't take posession of the vehicle. That's the only way they'll do it.

As for this other policy with Geico, yes. Get it started up! But here's your hanger:

You aren't going to get the money you paid the other insurance company back in time to spin that money around to pay Geico, not unless you contact them the same day that the money is taken. With most places, the payment has already been processed. They'll have to send you a refund which generally takes 7-14 days. As you can see, this will put you in a little bit of a bind since you're going to have to pay Geico to start the policy to take posession of the vehicle or leave this other policy in force.

My advice to you?

Go on and cancel that other company just ASAP, ask for backdate cancellation. Pay Geico for the first month (provided you're not completely broke by now), then send that money from the refund in to Geico to pay for the rest of your policy period.

When it comes to the amount of time you have to retract yourself, the ONLY way you can do that is if you didn't have the vehicle yet.. and that's only because no service was actually used during the time that you had that policy. You didn't drive a car, and you didn't drive the car that they had insured. If you already had the vehicle, then they have every right to keep a portion of that premium you paid since they technically were covering you for risks while you had the vehicle.

Does that make sense?