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Tiffany Said:

Will a fake no claims certificate get me a lower car insurance premium?

We Answered:

The insurance companies have a database that they search, a piece of paper will not stop them from checking. It's like your credit, you can stand in a car dealer and say I have perfect credit, 10 minutes later they run your credit and see you have a 300 beacon score, same theory.

Craig Said:

How do I lower my health insurance premium? I have a pre-existing condition.?

We Answered:

health-quotes.isgreat.org - here is my health insurance plan. As I remember they can provide such a service.

Dustin Said:

which insurance companies provide critical illness benefit with low premium and high reliability?

We Answered:

All insurance companies provide critical illness benefits.
Star health offers low premium
See source for details of all critical illness policies

Wade Said:

how can i find a low cost insurance for my car?what are deductable and premium?

We Answered:

The best way to find car insurance is by checking with an independent insurance agent. They compare prices with several (sometimes many) different companies to find you the cheapest rate. And different independent agents offer different companies, so even if you check with several agencies in the same town, you could get very different results, so it pays to shop around. You can tell them what deductible you want (the higher the deductible, the lower your monthly payments will be), and they can compare the cost of several different deductibles for you as well. The deductible is the amount you pay out of your pocket if your car is damaged and has to be fixed. If you have a $500 deductible and your car gets hit and it will take, say, $2,000 to fix your car, you pay the first $500 and the insurance company will pay the $1,500 left. The word "premium" means the cost of the insurance. And the premium is based on many things, including the driver's age, credit history, driving record, age and type of car. Like I said, it pays to shop around, and an independent agent does a lot of it for you. It beats going to any agent that only represents one company, like Allstate or State Farm, for instance. Also, the minimum insurance required by law does not pay to have YOUR car fixed in a wreck, it pays for the OTHER guy's car to be fixed. To get your car fixed, you have to have "comp" and "collision" coverage also, and that's when you pay a deductible. It's good to also have Uninsured/Underinsured Motorist protection, in case someone hits you who doesn't have insurance at all, or doesn't have enough to fix your car, because then YOUR insurance will pay for it.

Tracy Said:

Affordable insurance w/ NO deductible and low premium?

We Answered:

A policy with no deductible and less than $200 monthly for two people does not exist.

You'll want to contact a local independent agent. This person can explain the policies available. In most individual policies the deductible does not come into play unless you go into the hospital. The doctor visits and prescription co-pay are not subject to the deductible. The agent will be able to find a policy like this and explain the deductible to you.

Depending upon your ages and current health a $1000 deductible probably will cost more than $200.

You may get answers here concerning medical discount cards (with no deductible). Be very wary of these cards. They say they have no deductible because you pay everything exept the possible 10% discount you might get.

They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as well.

Corey Said:

Lower insurance premium after selling wife's car?

We Answered:

Your payment will certainly go down, but it may not be half. It really depends on you and your wife's driving records. If she has a great record and yours is lousy it may be even more than half.