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Forced auto insurance, seat belt laws, helmet laws, child safety seats, laws and regulations, all brought upon us by insurance companies who use government regulation to maximize their profits.
Isn’t it only a matter of time before they get their friends in Washington to make Health Insurance Mandatory?
Or is that the republican plan for reform?

Reagan warned of obama and his kind, and I’m not referring to his race, He is a socialist, and health care is his door opener.

Please forward this video to all who question the "acting" president’s agenda!!!!!

I would greatly appreciate it if someone out there could give me the information on what is the cheapest car insurance out there today. Currently need full coverage on four different vehicles. One minivan, one full size sedan, one compact car, and a sports car.

Please, help I am looking for the cheapest car insurance that is reliable and thank you everyone for taking the time to give your input on this matter.

Try this site to find the best car insurance

http://car-insurance-quotes-usa.blogspot.com/

Here you can get quotes from different car insurance companies in your area, its the best way to find an affordable car insurance with a reliable company.

The premium you pay for your car insurance in NC is dependent upon several factors, including your age, gender, driving record, traffic ticket and violation history, your living location, the kind of car you are insuring, and the insurance company from which you purchase your car insurance in NC.

A few of these factors can’t be changed; some can be altered in time. However, despite all of these factors, the amount of car insurance in NC you purchase is always going to have an effect on the cost of your car insurance premiums. Therefore, if you’re looking for cheap car insurance in NC, it would make sense to purchase NC’s minimum car insurance requirements, wouldn’t it?

The minimum car insurance requirements for NC are as follows:

$25,000 for coverage of property damage
$30,000 for coverage of the bodily injury of one person
$60,000 for coverage of the bodily injury of two or more persons

Purchasing merely the minimum car insurance requirements in NC isn’t recommended, and not always allowed if your vehicle isn’t fully paid for.

Yet, if your car is completely paid for, and you’re in a situation in which you’ve just graduated and entered the workforce or you’ve just left the workforce and gone back to school, money may be tight. You must have at least the minimum car insurance requirements in NC, so you’ll want your car insurance to be as cheap as possible. In these cases, getting cheap car insurance in NC may be dependent upon purchasing just the minimum car insurance requirements. Seriously consider purchasing more car insurance once you’re financially able.

For more discounts to get cheap car insurance in NC, check out NC’s insurance department, or talk with the car insurance agency from which you plan to purchase your car insurance policy. Many insurance agencies offer discounts for purchasing multiple policies, good driving records, and even adding addition cars to the insurance policy.

Greg Haehl
http://www.articlesbase.com/finance-articles/cheap-car-insurance-in-nc-81146.html

TOP AUTO INSURANCE is your one stop shop for all your insurance needs. Call TOP AUTO INSURANCE today for your free quote at (562)912-2392.

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FIRE TRUCK WAS GOING TO 4 CAR ACCIDENT IT DIDN’T LOOK LIKE ANYBODY WAS HURT. PEOPLE IN FLORIDA NEED TO LEARN HOW TO DRIVE. 100′S OF ACCIDENTS EVERYDAY IN FLA.. VOTE ON THIS VIDEO IF YOU LIKE IT

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By now you have had seen all the TV Commercials regarding “accident forgiveness”. They usually say something like you don’t need to worry if your in a car accident because with “accident forgiveness” the premium on your policy will not increase.

Come On.

Did you know that you are charged upfront by most auto insurance providers for “accident forgiveness”? They then spin it and say your auto insurance rates won’t increase. They better not because if you sign up for this service you are paying extra for it in ever bill. How is this offering you Discount Auto Insurance?

This is just another way insurance providers lull you into a false sense of security. If insurance providers gave a darn about you, “accident forgiveness” would be a mute point. They would oblige there agreement to you and that would be that.

Seriously, take a moment and think about this. Automobile insurance companies raise prices for their customers who purchase their service and then have the audacity to use it. Is this some racket or what? Let’s just say for example you have a tavern and hire a pest control company but have no problems, no roaches, no bugs, no mice. Your pest control technician looks over your pub and reports there are no issues. A few months go by and the inspector comes out and you now have a rodent problem or whatever. Would you be alright letting him raise your rates because you used the service you have been paying for all along. Of course not.

In addition to all of this. Your car insurance carrier still may not renew your car policy if they decide to for any reason. Who would you say has a better chance of having there policy non-renewed the person who had an accident or the person who hasn’t. The best way to understand your coverages is to read through all the Auto Insurance Information provided to you by your carrier.

Car insurers make up there own rules and have been doing so for a long long time. They manipulate congress by providing so much money to there lobbyist. They have the ability to spin what they are calling new coverages to there customers through the media which in the old days was included at no cost.

So you may be wondering is “accident forgiveness” worth it? Maybe but this isn’t something that should be needed. If you do not include it you are putting yourself at risk of your rates going up and your insurance carrier canceling you when you are up for renewal.

Lastly, try to locate an insurance carrier that offers “accident forgiveness” at no cost to you. If you can find it, then that company is maintaining a higher ethical standard then most. An insurance company in this mold actually cares about you and not just the numbers that hit there bottom line. One of the simplest ways to compare Free Insurance Quotes is to use an insurance comparison site like QuoteMatcher.com. By using a website like this you can quickly determine what company is a good match for you.

Thanks to the Automobile Insurance Cost Reduction Act, New Jersey drivers are able to buy a basic car insurance policy in New Jersey – and what’s cheaper than purchasing the most basic car insurance policy available?

The Automobile Insurance Cost Reduction Act makes it possible for drivers to get cheap car insurance in New Jersey by offering them a policy even cheaper than the standard car insurance policy. The basic car insurance policy includes personal injury protection of $15,000 per person, per accident, and $250,000 per significant or permanent injury. However, the latter depends on the policy definitions. It also includes property damage liability of $5,000 per accident.

Bodily injury liability isn’t included in the basic insurance policy, but it’s an option. If a policyholder chooses to add bodily injury liability, the policyholder will have $10,000 for everyone, per accident.

Uninsured motorist and underinsured motorist coverage aren’t available with the basic car insurance policy, nor is collision coverage or comprehensive coverage. However, collision coverage and comprehensive coverage can be added on, depending upon how the basic car insurance policy was issued.

As you can see, the basic car insurance policy in New Jersey, although it’s the cheapest car insurance in New Jersey, offers very minimal coverage; however, it does offer important coverage, as well as additional features. Those drivers with the basic car insurance policy in New Jersey have the right to take legal action in the event of a motor vehicle-related accident, whereas those drivers without any insurance don’t have that right.

The basic car insurance policy isn’t for everyone. Those drivers who choose to obtain cheap car insurance in New Jersey by purchasing the basic car insurance policy should do so only if they don’t have much family responsibility, they are just starting out in the work force, it is the first car insurance policy they’ve ever purchase, or they can’t afford any other car insurance for whatever reason.

Elizabeth Newberry
http://www.articlesbase.com/finance-articles/cheap-car-insurance-in-new-jersey-81156.html

Many Americans rely on their automobiles to get to work. No automobile means no job, no rent or mortgage money, no food. A single parent, struggling to make ends meet in the suburbs with 100,000 miles on the odometer, would presumably welcome the guaranteed opportunity for low-priced insurance that would take care of every possible repair on her auto until the day that it reaches 200,000 miles or falls apart, whichever comes first. Especially if the insurance is valid regardless of whether she even changes the oil in the interim.

So why aren’t the auto insurance companies writing such coverage, either directly or through used auto dealers? And given the importance of reliable transportation, why isn’t the public demanding such coverage? The answer is that both auto insurers and the public know that such insurance can’t be written for a premium the insured can afford, while still allowing the insurers to stay solvent and make a profit. As a society, we intuitively understand that the costs associated with taking care of every mechanical need of an old automobile, particularly in the absence of regular maintenance, aren’t insurable. Yet we don’t seem to have these same intuitions with respect to health insurance.

If we pull the emotions out of health insurance, which is admittedly hard to do even for this author, and look at health insurance from the economic perspective, there are several insights from auto insurance that can illuminate the design, risk selection, and rating of health insurance.

Auto insurance comes in two forms: the traditional insurance you buy from your agent or direct from an insurance company, and warranties that are purchased from auto manufacturers and dealers. Both are risk transfer and sharing devices and I’ll generically refer to both as insurance. Because auto third-party liability insurance has no equivalent in health insurance, for traditional auto insurance, I’ll examine only collision and comprehensive insurance – insurance covering the vehicle – and not third-party liability insurance.

Bumper to Bumper

The following are some commonly accepted principles from auto insurance:

* Bad maintenance voids certain insurance. If an automobile owner never changes the oil, the auto’s power train warranty is void. In fact, not only does the oil need to be changed, the change needs to be performed by a certified mechanic and documented. Collision insurance doesn’t cover cars purposefully driven over a cliff.

* The best insurance is offered for new models. Bumper-to-bumper warranties are offered only on new cars. As they roll off the assembly line, automobiles have a low and relatively consistent risk profile, satisfying the actuarial test for insurance pricing. Furthermore, auto manufacturers usually wrap at least some coverage into the price of the new auto in order to encourage an ongoing relationship with the owner.

* Limited insurance is offered for old model autos. Increasingly limited insurance is offered for old model autos. The bumper-to-bumper warranty expires, the power train warranty eventually expires, and the amount of collision and comprehensive insurance steadily decreases based on the market value of the auto.

* Certain older autos qualify for additional insurance. Certain older autos can qualify for additional coverage, either in terms of warranties for used autos or increased collision and comprehensive insurance for vintage autos. But such insurance is offered only after a careful inspection of the automobile itself.

* No insurance is offered for normal wear and tear. Wiper blades need replacement, brake pads wear out, and bumpers get dings. These aren’t insurable events. To the extent that a new car dealer will sometimes cover some of these costs, we intuitively understand that we’re ‘paying for it’ in the cost of the automobile and that it’s ‘not really’ insurance.

* Accidents are the only insurable event for the oldest automobiles. Accidents are generally insurable events even for the oldest autos; with few exceptions service work isn’t.

* Insurance doesn’t restore all vehicles to pre-accident condition. Auto insurance is limited. If the damage to the auto at any age exceeds the value of the auto, the insurer then pays only the value of the auto. With the exception of vintage autos, the value assigned to the auto goes down over time. So whereas accidents are insurable at any vehicle age, the amount of the accident insurance is increasingly limited.

* Insurance is priced to the risk. Insurance is priced based on the risk profile of both the automobile and the driver. The auto insurer carefully examines both when setting rates.

* We pay for our own insurance. And with few exceptions, automobile insurance isn’t tax deductible. As a result, the fear of increasing insurance rates due to traffic violations and/or accidents changes our driving behavior and we sometimes select our automobiles based on their insurability.

Each of the above principles is supported by solid actuarial theory. Although most Americans can’t describe the underlying actuarial theories, most everyone understands the above principles of auto insurance at the intuitive level. For sure, as indispensable automobiles are to our lifestyles, there is no loud national movement, accompanied by moral outrage, to change these principles.

Unsustainable Market

In contrast, similar principles are routinely violated in health insurance. To demonstrate this, let’s return to the same suburban mother from the opening paragraph. She’s busy working, driving to and from work, and driving her kids to school and activities. She ends each day exhausted, sitting on the couch with fast food. She’s obese, has a sedentary life, a bad diet, and hasn’t taken the time to go to the doctor in years. After a simple injury doesn’t heal for weeks, she turns up at the emergency room and learns she has type II diabetes. Although type II diabetes is controllable, changing diet and exercise habits and properly tracking her condition takes time and effort and she’s never quite successful in implementing the necessary lifestyle changes.

So the initial emergency room visit is only the first of a long list of health care related to non-controlled diabetes and other problems associated with obesity. Whether she has individual or group insurance, her insurance pays for each episode of care, without singling her out for a premium increase, and without charging her any more cost sharing than is charged to the healthiest and most medically diligent insureds. Her coverage continues until she voluntarily changes insurance companies and/or employers or becomes eligible for Medicare. If she’s covered under group insurance she may not even pay any premium. Her insurance continues unabated, even though the disease was caused by neglecting her body and she maintains her poor lifestyle even after the disease becomes known.

This just wouldn’t happen in auto insurance. This scenario is the auto insurance equivalent of guaranteed access to low-priced auto insurance that takes care of every possible repair, including damage already done, until the day the car falls apart so completely it’s unsalvageable (death) or reaches 200,000 miles (Medicare), regardless of whether she even changes the oil (takes care of herself) in the interim.

As a society, we don’t expect this in private-market auto insurance, but we expect it in private-market health insurance. Furthermore, there’s a chorus of national and state interests, which continuously pushes us further away from the auto insurance principles.

The current private health insurance market isn’t sustainable. Prices have been consistently increasing faster than inflation for decades. Each year, insureds use more health care than ever before and more people have no insurance at all. Most actuaries and other people in the private health insurance market don’t want national health insurance with its bureaucracy and one-size-fits-all benefits. Yet, we’re trying to sustain a private insurance system, which violates the very principles we know are necessary for private insurance markets.

Yes, health insurance involves the sacredness of human life and is therefore different from auto insurance. But if we’re to sustain a private-market solution to health insurance, actuaries need to explain to the larger society, in terms that society understands, the rationale for the following principles:

* As sacred as health care is, it’s still an economic transaction that has to be balanced by individuals and societies, against other economic choices. It can’t be unlimited. Sometimes it will be secondary to other choices. On a given day, for example, the mother in our scenario may value her car more than her health.

* Insurance premiums should be paid by the individual and tied to controllable risk factors. This will provide the best incentive for the control of risk factors.

* Although it’s hard to draw the line between abuse, neglect and ignorance, self-abuse shouldn’t be insured and we need to draw that line somewhere.

* The private market can’t provide unlimited, self-directed health insurance.

* Routine care and ongoing treatments of chronic conditions can be pre-funded, can even be subsidized, but they don’t constitute ‘insurable events.’

* Insurance can’t be expected to keep every human body in pristine condition. No amount of health care will prevent everyone’s ultimate death.

* Comprehensive, unlimited, non-subsidized private-market coverage isn’t possible for people with severely impaired health.

* The private health market can provide limited non-subsidized health insurance, such as protection from accidents, to even health-impaired individuals.

* Individuals who can afford to do so and who take good care of themselves should be able to ‘buy up’ to better coverage. People have the option of buying up for everything else in life.

Discussion of these principles is lacking from most of the current health insurance debate. If society can intuitively understand how similar principles apply to health insurance, then they should be able understand the principles in the health insurance context. We need to initiate the debate.

This commentary is solely the opinion of its author. It does not express the official policy of the American Academy of Actuaries; nor does it necessarily reflect the opinions of the Academy’s individual officers, members, or staff

Contingencies, Jan/Feb 2007

Melih Oztalay
http://www.articlesbase.com/non-fiction-articles/auto-insurance-principles-should-apply-to-health-insurance-110015.html

If you raised any children into young adulthood you know what happens all too well. Your child suddenly reaches the age when he can finally get a learner’s permit to start driving. After one or a few of tries, he passes the driving test and gets his life altering ID his drivers license. After he tries to get a Discount Auto Insurance policy himself and realizes he can’t afford it. You open your pockets and tell your insurer about your enthusiastic new driver. Your auto insurance policy will include him throughout high school, when he graduates and goes to college, and while he’s back home. At some point, he becomes all grown up and moves out on his own for good. Maybe he moves to a city with good public transit, and his 1st job doesn’t pay enough for him to pay for everything and still afford a automobile in the city. So for the time being he goes without one.

One day, he finally gets the courage up to ask out that girl in the finance department he’s been flirting with. Meeting her at the local pizza place just won’t fly, so he begs his new best friend to borrow his vehicle. The friend, agrees to lend him the car if he puts gas in it and gives him money for a pizza. Your young Don Wan picks up his date, pulls out onto busy City Dr, and wham rear-ends a Mercedes. Confused, he throws the automobile into reverse and hits into the Saab behind him. Two questions engulf his mind: 1) Is she going to go home? and 2) Does his old-new best friend have vehicle insurance to cover his exciting first date with dream girl accountant?

Bad news for your Don Wan: The girl hops in a taxi and his friend missed his last insurance installment; the policy lapsed for failure to pay. Then a light bulb turns on: It wasn’t that long ago Mom and Dads insurance covered me. Just maybe their insurance policy will cover the repairs.

Each insurance policy has a specified descriptions of who is included in the policy. The standard Personal Auto Policy published by the Insurance Services Office states that the 1st named insured on the policy and “family members” have coverage for the ownership, maintenance or use of any car. Maybe Don Wan got lucky. Or maybe not.

All vehicle insurance policies also have a specific definition of the term, “family member:” A individual that is related to the 1st named insured on the auto policy. The family member has to be related by marriage, blood or adoption and must also live in the 1st named insured primary house. Young Don Wan left your house, which is when he began his career, met his dream girl, and borrowed his new-old friends uninsured automobile.

In 1975 a California court ruled on a similar case where an adult son who lived in a separate home from his parents but on the same street and relied on them for money was not considered a resident of the their home and therefor wasn’t covered under their car insurance policy.

There are exceptions to these rules. Courts have recognized that college students, although they live at college, are still considered residents of their parents household. Even a self-supporting child who still lives in your home but pays rent to you will also qualify as a resident usually up until the age of 25.

It’s when they permanently move away from home that the break in coverage will occur. Even if your child doesn’t own a vehicle, they should consider getting Free Insurance Quotes for a Names Non-Owner vehicle policy. This will cover there liability for injuries or damage that may occur while renting or borrowing a car.

And, although your Don Wans’ date most likely would have ended anyway, it would have saved him a big headache and a lot of money.

When you are looking around for a new car insurance policy you will find that you may be overwhelmed with choices. You need to remember the different levels of cover may also affect your premium.

Every car has an insurance grouping, this basically means that every car is put into a category of different levels of risk groups, this is something that you need to consider when buying a car

If you need to cut the costs on your car insurance then the best way is to sacrifice the fully comprehensive coverage and any money that you save by doing this could be added to a high interest savings account to save money for later on.

Another sure way of reducing your car insurance costs is to drive safely, having fewer tickets or accidents will reduce your monthly premium and will save you money both now and in the future. Acting responsibly when driving will not only save you money on your car insurance but will also keep both yourself and others safer on the road.

If you have more than one vehicle then always remember to ask your insurance company if you can receive any sort of discount for insuring more than one car with them.

The type of car you drive will effect your car insurance, generally the bigger the car the higher the insurance, to save money you could consider driving a smaller car with a smaller engine, this will reduce your car insurance quote.

Car insurance companies will offer discounts if you have safety equipment attached to the car, anti theft devices and air bags or similar equipment often do not get mentioned when applying for car insurance but could save a considerable amount of money.

If you park your car in a locked garage make sure you advise your insurance company of this as this could get you a safety discount

Ask about age discounts, some companies will offer a considerable discount if you are aged between 40- 50 and remember to only buy the cover you need, you may be tempted to add on additional cover or extras such as road side assistance however if you are someone that does not travel far this may be something you simply do not need.

If you have more than one car make the older or less valuable car the main car for any younger drivers in your household as age can have a big effect on car insurance. If you do have young drivers in your home a great way to reduce their car insurance is to take additional driving courses.

You may also want to consider changing your excess, this is the sum of money you would pay if you needed to make a car insurance claim. If you increase this amount your quote should go down.

Always get more than one quote when you do look around for car insurance, there are many easy and quick online forms that you could fill in to get a quote there and then.

Vicki Churchill
http://www.articlesbase.com/non-fiction-articles/car-insurance-how-to-reduce-your-payments-120819.html

Before the Internet came along the only way you could compare auto insurance prices was to spend half a day going to insurance offices, or calling insurance agents, to get enough quotes to get a good rate.

Now all it takes to get a cheap auto insurance rate is to spend a couple of minutes online in the comfort of your home. You don’t even have to spend time surfing different insurance sites because there are insurance comparison sites that will allow you to get rates from different companies all under one roof.

All you do is fill out one online questionnaire to get multiple quotes from different top-rated auto insurance companies in your area. It’s fast, it’s easy, and it’s free.

How to Compare Auto Insurance Prices Online

Here’s how to compare auto insurance prices online quickly and easily …

1. Be aware of the discounts you can get. The top three ways to save money on your policy are:

* Raising your deductible – this can save you $500 or more on your insurance.

* Dropping your collision coverage if you have an older car.

* Dropping medical coverage if you’re covered by medical insurance.

2. If you have a policy, have it handy so you can refer to it to answer questions on the online questionnaire.

3. After you choose the best insurance rate, check the company’s ratings at JDPower.com to make sure the company you choose is reliable and will give you good service.

4. When you get your policy read it over carefully to make sure you’re getting all the deductions you can, and all the insurance you need.

Bottom Line

Is it worth spending a few minutes of your time to compare auto insurance prices online? Most definitely.

When I went comparison shopping a few years ago I was able to save more than $450 on my yearly premium.

Visit http://www.LowerRateQuotes.com or click on the following link to compare auto insurance prices and see how much you can save on your auto insurance. You can get more auto insurance tips by checking out their “Articles” section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to compare auto insurance prices.

ryan@thesatellitetvguide.com
http://www.articlesbase.com/insurance-articles/compare-auto-insurance-prices-the-quick-and-easy-way-107427.html

I am renewing my auto insurance. I have a car with all kinds of great features like leather seats, upgraded stereo, sunroof, etc. Is there some way to insure it so if it gets totaled, I can buy a car of equal quality? Should I even get full coverage?
Thanks.

You need to get what’s called "Comprehensive" insurance and also what’s called "gap insurance" and that should cover it all.