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Reginald Said:

How much difference does a car alarm/ spoiler sport model make on insurance policies?

We Answered:

It depends on the company and how they have their rates/discounts, etc filed. Some may increase for the "sport" model and some may not. Some may give you a discount for the alarm, and some may not (most do give a discount for an alarm that I have personally seen).

Progressive's website should allow you to specify the exact model....shoot it even lets you put in the VIN. That is one I have used....I'm not sure about others, sorry.

Terry Said:

Why aren't health insurers allowed to deny coverage or charge higher premiums based upon physical fitness?

We Answered:

Insurance is a grossly over-regulated industry - a portent of things to come in Obamaworld.

Frank Said:

Significance of having Pass Plus Certificate?

We Answered:

pass plus is a good way to reduce insurance however i have heard that if you have to go to court for a motoring offence they hit you harder if you have a pass plus as it means that you should know more than the average driver, i have done many driving courses on and off road with work e.t.c, but never the pass plus, it is prob worth doing the test No all insurance companys accept it but a good few do also if they don't ask you about it over the phone mention it... :)

Carole Said:

car insurance rate (red light ticket!)?

We Answered:

American family will find out first if they have any reason to look at your account. They will eventually find out anyway because they routinely audit accounts on a random basis. If they increase the premium at all, The entire premium l be increased. There is no such thing as "your part". It is just one policy. If the charge is reduced. That charge will appear, not the original charge. The renewal cycle is usually 6 months but could be monthly or annually depending on what your parents chose.

Better "fess up" to Mom and Dad and you can then stop worrying. "Confession is good for the soul"

Joann Said:

How much deductable should I have for collision and comprehensive coverage?

We Answered:

How much deductible can you afford, if something happens?

If you can easily swing the $1,000 - if you have it sitting in the bank, then you could raise the deductibles.

Me, I'm not sure if it's worth saving $100 a year, taking on an additional $500 in potential claim, but if you have the money, that's probably your best bet.

I wouldn't drop collision, unless you have a spare $6,000 in the bank, that you could buy another $5,000 car if someone with no insurance hits you.

Elmer Said:

Car Insurance Co knows about my 3 demerit points, but my record says no convictions. How come?

We Answered:

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

Velma Said:

How does this Stimulus Bill Help ME?

We Answered:

People who have money will require your services. I don't see anybody around right now who isn't in the same boat as you.