I have hear that car insurance can be a little cheaper if its a 4 door. Is this true? I have a son getting ready to drive and I was wondering.
200796
Some 4-door cars can be cheaper to insure, but usually only if you are carrying physical damage coverage on the car.  It has to do with the cost of repairing the vehicle.  If you are looking to get a car for your son to drive, nothing is going to be cheap.  I would get an older car that you don't need to carry collision on.  If the car will carry "full coverage", a good rule of thumb is that the more expensive the car, the higher the cost for the insurance.
227567
There is no best, only best for your situation.  If there were only one best there would be no others.  In business companies compete based on 3 areas, price, quality and service.  A company can only be great in 2 of those areas.  Not all 3.  This is like asking what is the best car in the world.  Are you talking quality, service, or price.  All insurance is based on underwriting so what you are asking will depend on the type of risk, (auto, home, health, commercial, etc.) and the level of risk (are you terminally ill and about to die or do you have a bad driving record, etc.
348231
1. Make a budget. I like to use an Excel spreadsheet for this, but you just need to know how much you are willing and able to spend per month including insurance, gas and maintenance (reserve at least $100 ea, $300 total for these per month - more for a gas guzzler or if you have a long commute).\n2.Make an appointment at a local bank or credit union to see how much of a loan you qualify for and see what the monthly payment will be.\n3.Do your research - check the internet for the best deals and reliability ratings, as well as insurance quotes.\n4.Contact the insurer of your choice. You will want to have your agent's name & number at the time of purchase.\n4.Find a reputable dealer. Check with your local better business bureau or get recommendations from a friend. Tell them exactly what you are looking for, but don't appear too eager. Tell them the budget you have set (minus the $300 for maintenance and insurance) and do NOT budge. I did this and it took a while but I stood firm and they finally found me something in my price range. Mine was $300/month, so this shouldn't have been hard, but they will try everything they can to get you to budge an extra $50/month. Stand your ground.\n5.Once you find the one you want, let them know the name and number of your agent. You will need to have insurance before you can drive it off the lot. At least where I live. They will deal with the plates and registration. This is included in the price.\n6.Now be sure to save $100/month for maintenance, even if you don't have any problems. Six months down the road you may have a $600 problem, so it all evens out. It shouuld include oil changes, etc.\n7.Get your oil changed every 5000 miles if it is a little older (before 2000). Every 10000 if it's a newer car. It's best to check your owner's manual for this. Do a 60,000 mile inspection, and get a tune-up once in a while and you'll be in great shape. I learned this the hard way. Maintenance is less costly than an emergency. \nGood luck!
520346
A hard life lesson about why you should NEVER drive without insurance.\n\nYou are going to have a hard time getting basically an unsecured loan for 10 YEARS for 24,000.\n\nYou might be able to qualify for some loans for college expenses by re-enrolling in college and trying to roll some of that cash due into that loan.\n\nI fear you may have to get several sources to lend you the money and then eventually work toward consolidating those loans somehow.\n\nYou also could try a few lenders and then try to continually re-finance them to get a longer term....however this is going to be expensive.\n\nI hope you realize that by financing the $24,000 you will really end up paying $35 to even $40,000.  \n\nWas it really worth not paying a few hundred more dollars to forego insurance?\n\nYou also should try looking at a credit union.  If you already belong to one....try there.  They often have more relaxed lending rules.
633700
Yes, you can.  The car rental place will make you purchase insurance to cover the vehicle during the time you are driving it though.  I don't own a car, but I rent all the time when I have to go places for work.  It works the same way in every state I have been to so far.
127586
A\nI currently don't own a car, but when I do, I plan on owning a hybrid.  I project that the cost of gas will continue to rise and once it peaks at 4 dollars it'll never drop to below 3 again.  In this day and age, it is best to buy a hybrid (plus there are tax benefits for owning a hybrid as well).\n\nB\nIn terms of using public transportation, If living in rural US it is impossible to rely solely on public transportation.  The set up of US cities prevents that.  TO rely on public transportation also cuts on city to city commuting.\n\nC\nCommuting to work is a fantastic idea, and only using a car on the weekends is great, but that is assuming that the family consists of either 1 or 2 persons and no child.  Also that grocery stores are within walking distance (or weekday meals can be planned during the weekend).\n\nI would own a vehicle, but I would buy a vehicle with intent to use it minimal and utilize public transportation.  I think you have asked so really good questions and rise really good ideas.  If there isn't a public transportation system in your area, you can always attempt to start one up.  Check out the local government (ie city council, mayor, etc)  I think location plays a key role in modes of transportation.  For example, generally cities provide adequate public transportation, while suburban sprawl causes commuting to be an individual event.
551797
Well, look at it this way.  Insurance is all about grouping people together in similar risk groups, figuring out how much a year it's going to cost that particular group for claims, and dividing up the estimated claims projections between all the people in the group.   So yes, high risk people grouped together should pay the same high risk premiums.  That's why 16 year old kids pay a small fortune for car insurance, and a 40 year old man doesn't.  In general.\n\nYounger people pay less for life insurance than older people.  It's common sense.\n\nSo IF you can find a company willing to cover what we all know right now, will be A LOT of medical bills this coming year, yes, you should pay more than a healthy person.  \n\nPeople who have Aids are usually not insurable AT ALL on a new policy.  But yes, they should pay more.  Drunks, well, that's harder to prove, but they should pay more, too (detox costs A LOT!!).
235280
First off, you get what you pay for and secondly, if it seems to good to be true then it probably is. I would bump up to COMP and COLLISION as well in my opinion. I would also ask the agent for a copy of the policy itself , called a specimen policy, and comb through it very carefully. It will spell out what you will and won't be getting in the policy. If you are comfortable then yes, go for it. Be advised , anything not covered by the policy  in theory could be charged back to you. I work for an insurance company and have seen people lives ruined by not having enough or the RIGHT TYPE of insurance. Bad things do happen to good people. I hope this helps.
162594
DENVER - Uninsured motorists will face tough new penalties beginning Saturday if they are caught behind the wheel or are involved in an accident. \n\nA law effective the first day of 2005 nearly quadruples the penalty for driving without insurance. Violators will earn a suspended driver's license and a minimum $500 fine. Repeat offenders face a minimum $1,000 fine and a suspended license for up to eight months. \n\n"In the past, many uninsured motorists knew that the cost of insurance was more than the cost of the fine if they were caught," said Gov. Bill Owens, who signed the new law earlier this year. "With this new law, I believe more Coloradans will recognize that it is no longer worth the risk to drive without insurance." \n\nThe insurance industry estimates that 15 percent to 18 percent of Colorado motorists drive without auto insurance. The cost of paying for accidents caused by uninsured motorists drives up the cost of rates. \n\n"We all know the frustration of being in an accident with an uninsured motorist," said Carole Walker, head of the Rocky Mountain Insurance Information Center. "It's been shown in other states that increasing fines goes a long way toward putting a dent in the uninsured motorist problem." \n\nColorado's new law is one of the strictest in the country, but it could take months or years to have an impact on the ranks of the uninsured and on premiums. \n\nContinue article\nAdvertisement\n\n \n"All of these things take time," Walker said. "Hopefully, the awareness... will start making a difference." \n\nThe new law goes beyond simply citing those caught driving without insurance. \n\nA new database will match vehicle registration information with records from insurance companies, verifying whether a vehicle is insured or not. \n\nAutomobiles that aren't matched with an insurance policy will be flagged, and the registration will be suspended. \n\n"Gone are the days when scofflaws could drive uninsured on our roads and get away with a slap on the wrist and a $100 fine," said Doug Dean, Colorado's commissioner of insurance. \n\nFor more information click on this website...\nhttp://newssearch.looksmart.com/p/articles/mi_qn4191/is_20041231/ai_n10043433
547416
Dude, this is religious area.\n\nFirst off, you should not buy such an expensive car right at this moment when your income is low. Also, you are doing a part time job, not a steady job. Car is a very important thing to have, so you should get one, but not that pricey. \n\nAlso, I doubt whether any loan company will give you any loan at that low income.
248770
usually 3 kinds of auto insurance:\n1.  Liability - this will pay someone else if you damage their car in an accident that was your fault or if someone gets hurt in an accident that was your fault.  But there are limits.  Insurance only goes up to so much.  If a person has high medical bills, insurance will run out. \n2. Comprehensive & Collision - this will pay if the accident was your fault or if there was theft or fire.  There is a deductible, which means cash you have to pay out of pocket.  Like you might have a $500 deductible so that they only pay for damage that was over $500 and you have to cover the first $500.\n3.  Uninsured motorist - this will cover you if the accident was the other person's fault but they don't have insurance (which is illegal but it happens).  So their insurance company can't pay for your damage.
91225
I only use 1 site to get all my insurance quotes.  It has every type of insurance there is.  Check it out.  Hope it helps!!
198549
Check the terms and conditions of the credit card you are using.  Most of them will not only cover the automobile rental insurance but there is another charge called "out of service" fee.  If your rental car has been damaged while you are the renter, the companies will charge for the amount of time the car has to be in repair or "out of service".  Some of your platinum (And gold) credit cards also cover this insurance!!  If so, decline!
491860
You are only required to carry collision and comprehensive coverages which protect the vehicle you are financing.  I agree that raising your deductible is a good idea if you are looking to cut costs.  Make sure that you are getting any discounts available such as anti-theft device, mileage discount, etc.  Review what you are carrying for liability.  You may have more coverage there then you can afford.  If you dont have any assets that you need to protect perhaps lowering your liability for a while would be helpful. Call your insurer and explain your money is tight and have them review your coverages in detail-that is there job.\nGood luck.
647682
The only reason you would need to keep full coverage on your car is if you use if for collateral on your new loan.  If your not, you don't need full coverage.
263606
I agree with you to a point. The law does require us to purchase auto insurance. But it does not tell us who we have to purchase that insurance from. Personally, I feel that if it is required by law, then affordable coverage should be provided by the state, particularly to those who cannot afford it. And by the way, I am a conservative.
472818
Well, it's more of a pain than the "pay on behalf of" insurance, because it's up to YOU to fill out the paperwork, send it in, answer any questions, and track it to be sure that you get the payment. \n\nIs it worth it?  Depends on how much money you're saving, vs. how much time you have to spend on it.