If you can afford to fix your car, is it worth buying comprehensive and collision insurance?
353103
Uninsured motorist coverage is always a good idea. You should maintain the same limits that you have on your liability. If you are seriously injured your Um coverage can compensate you for your injuries and pain and suffering much in the way that an an-fault party would.  \n\nCollision and Comp- your choice if you can afford to pay that why insure the risk..if it is not a real risk to you
1008272
Well your best bet is to find a local broker as they have access to many different insurance companies and can find you the best deal.
975922
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.
152217
GAP insurance is an insurance for cars that have a loan on them that is much higher than the value of the car.  So if you get in a wreck and the car is totalled, the GAP insurance covers what regular insurance won't.  I think it is worth it if you are taking out a high loan on a later model car.
889972
Yup. \n\nTake traffic school.  It costs about 100 bucks, but the savings in your insurance premium will make up for it in less than a year.
599462
no ,  not everything .  the premiums cost more than the truck is worth.
218270
I would not say that they are the cheapest or the best.  You should always get a couple of quotes.  Also make sure you meet with someone that can review your situation and determine how much coverage is needed.  Here is a good directory: http://www.findlocalinsurance.com
423520
This is a no-brainer. While both are meant to withstand collision one will withstand even a very slight bump and other won't.  By this I mean, if I back into something with my '78 Town Car the chrome over steel bumper won't be marked, but if I back into the same thing with my '01 Sebring the bumper paint will scratch, possibly chip and the fibreglass facia itself might crack.  So much for the bumper that'll withstand a five mile per hour hit.  And, the fellow who thinks that every bumper is steel, but has a plastic facia should look at one of them.  He might be surprised to see honey-combed plastic where he thinks the steel would be.
789072
Yes, as long as you have enough money in your account to cover the purchase.
1097516
Large companies usually get more leverage, as anyone typically does when buying in big numbers.  It's not so much the insurance company as a few other factors, including but not limited to:\n\n- The specific plan chosen by the company.  Different insurance companies have different levels of coverage, just as auto-makers have their economy and luxury lines.\n\n- The portion of the insurance the company's willing to pay for. Your employer picks up a portion of your premiums and the part that gets deducted from your paycheck (usually bi-weekly) is the portion you're responsible for.  The more your employer's willing to pay, the lower your premiums will be and the better off you are.  This has more to do with your job and who you work for than the actual insurer.\n\nDepending on the coverage you're getting now, how much you're paying, your age and your overall health, you may find it worth your while to look into the individual market.  Generally, people without any serious medical conditions are more apt to finding better deals but it can't hurt to see what's out there.  If you're interested in this, I can gladly point you in the right direction.
608767
If replacing the car was required on all policies insurance would be a lot more expensive.  As is the law requires us to protect innocent 3rd parties (so if a driver hits a 8 yr old the injured kid will get some money torwards his medical bills), but allows us to decide if we want to pay extra to insure our vehicles for comprehensive and collision or not.  Personally I'd be p'd off if the government made it mandatory that I had to pay extra premium to insure my car for full replacement cost whether I wanted to or not.\n\nWhile a lot of carriers don't offer full replacement cost, most do offer gap insurance when you buy a brand new car - this will pay the difference between the ACV (Actual Cash Value) of your vehicle and the amount that you owe the lienholder.  You can also buy this at the dealership when you buy the car but check with your agent first to determine which route is cheaper.\n\nWhen your car is paid off if you continue to carry comprehensive and collision coverage you will be paid the ACV of the vehicle.  Even a 1980 Pinto will get you some money back.  To determine the ACV of your car you should look it up on bluebook (www.kbb.com) while the insurance company will make a big deal about how that is not what they use to determine it the two numbers are usually similar - you can then decide if it's worth the premium.\n\nIf you feel like you're an awesome driver and will never cause an accident insure your vehicle for just comprehensive (theft, weather damage, fire) and drop collision.  Make sure your policy has Uninsured and Underinsured Property Damage and if the BAD driver in your question has no insurance your company will still pay the ACV of your car.\n\nSix months is not long enough to gauge a person's driving record - insurance companies typically look at 3-5 years.  If you are accident and ticket free during that time they will usually offer you a lower rate.  You should also shop around every so often to make sure you're getting the best deal.\n\nI think I've covered all your points - sorry if I left one out and I hope this helps.
545973
Honestly, if you're in a financial crisis, buying a dental plan is hard to do.\n\nI bought my health insurance on www.ehealthinsurance.com.  They are the easiest site I've found to compare benefits of companies at certain premium price levels.  I did it for Washington State.  I believe they have other states.\n\nIf you're hoping to use the insurance to save you health care costs, the answer is probably no.  A $500 deductible plan is very expensive.  If you're trying to prevent a worst-case catastrophic event, then there are a number of inexpensive plans available.\n\nWhen you analyze if you are going to get insurance, consider the reason.  If it's to save on health care costs short term, frequently, by the time you pay for the premiums and deductibles, it would have been cheaper to simply out of pocket the expense.\n\nEmail me with any questions.  Good luck,\n\nJared
56141
Depends on how your morals are or how much you are willing to pay for a hunk of junk.  The buy here pay here places will sell you a 12000 dollar piece of crap and you would be better off trying to drive your totaled car.  Your other option is to hire a lawyer and find out about a place laying you off while on work comp and suing.
707009
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!
974927
trade it in for a new one, you will have negative equity and your new car payment will be higher..but that's easier than getting a loan to pay off your current vehicle.
373938
YES!  as long as you paid the rental company for the deductible on the last accident and made sure that was all taken care of...your all set.....Good luck to you!  Been their done that...as a matter of fact...Enterprise sends me free rental upgrades all the time since I wrecked one of theirs.
387066
check out the chrysler sebring v6 sedan. just be careful to buy from a reliable dealer since a lot of sebrings have been used as rental cars and we all know what happens to rentals. also a low insurance is 2000 ford contur but not that good of a car. if i were in your position and my major consern was the insurance i would go for a sebring but if i would be willing to pay a little extra for the insurance but get a great car i would definitly go for a honda accord v6.