Paden City West Virginia Cheap car insurance quotes zip 26159

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Hello dose any one no the cheapest insurance company for an 18yr old?

Insurance company not willing to pay full value for car?

A couple of weeks ago a lady ran a red light and hit my car. Her insurance company took a week to get me a rental and two weeks later finally go look at my car and determined a total loss. The adjustor was pretty rude about the whole situation (yes I know that's their job) and started in on how my car has extensive hail damage which is not true. There were some dents from hail on the hood and trunk lid but every used car in Oklahoma has hail damage since we have had several storms over the past few years. He said that they would have paid $5900 for the car but because of the hail damage they will only pay $1250 which is ridiculous. I've done my research and the average cost of my car within 200 miles is $6000 and I have received one estimate on repairing all of the damage was $2000 yet he claims it will cost $7000. The dealership I bought the car from just sold a vehicle just like mine with hail damage for $5000. The engine and everything else on the car was perfect. When I told him all of my info he laughed at me and said oh by the way we are only paying for your rental till the 9th so you need to settle quickly, take it or leave it so I said I was calling a lawyer. I'm waiting on the lawyer to call me back but I just want to know, what should I look for to help me. I've already looked at the market in my area and have record of the prices for the same make and model. I can't take it to a body shop because the car is crushed. Any info appreciated.

Does car insurance cost more for old people?

I'm doing a topic in my GCSE's and i have to gather information on weather old people should be allowed to drive... so i would apreciate it if you would comment on that as well. But what i wanted to know was weather car insurance costs more for people over 65 (because thats the age you can retire and get a pension) or for people under 65.

Is this a proper plan for term insurance?

Just trying to see if I am able to understand and apply knowledge of insurance. Please give your opinion. Here is a hypothetical example: X(35yrs) and Y(30yrs) are married and employed and they got joint home loan for Rs 30 lakh. They will be in service till 60yrs of age. Their current annual incomes are about Rs 5 lakh and Rs 3.8 lakh respectively. X and Y are willing to buy term insurances with sum assured of Rs 50 lakh with 25yrs and 30yrs terms respectively. (First doubt, given their income level, are they eligible for such high sum assured?) They both want to get critical illness rider of same sum assured (Rs50 lakh) amount since critical illness is kind of death of earning capability. Also they want to take same accidental permanent disability benefit rider of same sum assured(Rs 50 lakh) for same reason. They also want to have separate mediclaims though that is different kind of insurance and we won't consider here. Do you think that they are on right track for planning term insurance with riders?

Most affordable health insurance illinois?

Hello, Im a pretty broke college student who cant afford the plan offered by my school here in Illinois. Anyone have any suggestions for cheap health insurance, that would cover some doctor visits and prescription pills, well at least most of the cost. thanks in advance

Car accident and lapse of insurance...?

Alright, this is part two of my question. To recap, on March 25 I was in a two car motor vehicle accident in California. I had no idea that my insurance had lapsed because I had moved before the notice was sent out. Therefore, I told the police that I had insurance under my current holder. Both parties feel the other person was at fault for this accident. My car was totaled while his only had minor damage. Myself and my passenger were hurt, while the other car's passengers werent. Now, my questions are as follows: 1. Do I need to call the police and let them know that I had no insurance, but just reinstated it yesterday? 2. Will I be facing jail time or just fines? I am willing to pay anything in order to clear this up. 3. Will I lose my license? 4. What other steps do I now need to take to resolve this issue? I've never had a wreck before and I have a clean criminal record, so I am a newbie to this process. Please help me!

Does anyone know where I can find a list of average auto insurance rates by vehicle?

We have a 16 yr old daughter whos looking for her first car. We wanted to find a list (if one exists) of average insurance rates to see which cars cost the least to insure. This way she'll know which cars she can afford. Thank You.

Where can i get the cheapest car insurance with a dui in northern michigan?

Car Insurance - PLEASE READ!?

In 2004, I saw a car that I wanted to buy at a Nissan car dealership and I took out a loan. At the time I didn't know anything about insurance. It was all greek to me. I was very young and had no one to help me out. Anyway, I went to American Family Insurance and the agent seemed very nice. I told him that I wanted to buy this car and before I could finalize everything I had to show proof that I had full coverage on the vehicle. He told me that I most definitely had to get full coverage and I signed the paperwork, gave him a check and my insurance coverage started. I NEVER CHANGED MY COVERAGE!! (Let me make that clear). So 1.5 years later my car slid on the ice and another lady thought she could speed to get around me and she instead hit me. The officer stated that none of us were at fault because I was sliding when I should have been in control of my car and she should have never tried to pass me so we would each be responsible for our own damage. Right away I called my agent and he later called me back and stated I didn't have collision coverage and I would have to pay out of pocket for my damage. Again, I didn't know anything about insurance and I had totally forgotten that collision was required so I believed this guy. I left it at that but was very upset with him because he stated that I didn't have collision coverage and I told him that as a professional insurance agent, he should have told me that I needed full coverage on this practically new car!!! So, 6 months later, it was still bothering me and I left him. The car wasn't drive-able (I had to pay $600 just to fix something with the wheel mount) and then it was drive-able but there are dents in the car and damage that equals $2,000 to fix. That may sound cheap to some of you but it isn't to me. Just 3 days ago, I was telling this story to someone and they told me that I should have had full coverage on the vehicle and I should look into this. I called American Family and a lady is doing some investigating because she could see I had insurance on my car in 2004 but didn't know what kind. But, she confirmed that my car was under a lien and the insurance agent would be required to put me on a full coverage in the state of Wisconsin. So, this lady stated she would call me back on Saturday. In a perfect world, she could state either 1). You had collision coverage at that time and your car will be fixed at our expense or 2.) Your agent never put you on full coverage. Come Saturday, what if she says that it turns out my agent never put me on full coverage? Isnt he at fault? Everyone (including their own company) states he should have known to put me on full coverage! So, can I try suing the company? Im thinking even though the lady was really nice and told me that my insurance agent should have known better that Ill hear something from them stating that their computer system shows that I was a client in 2004, but they dont know what type of coverage I was on. In the end, they will probably want to cover their butts. Please offer any suggestions! THANKS! And yes, I have become more knowledgeable about insurance for my sake. :)

What are legal steps to resolving an auto insurance claim?

Allstate was supposed to compensate me for X amount of damage done to my car by the driver who had insurance upto 5 grand. Notice that I did not have insurance with AllState but that because the driver was at fault, and had coverage of upto $5000, AllState has agreed to pay me a portion of that 5 grand. However, the problem is the driver who was at fault is not agreeing to this and demands more in loss from AllState. Whereas, although, I myself deserve more in damage since the car was worth more than the amount I am being compenstated for, I have still decided to settle for less. Now because the driver is delaying the decision to accept the remaining amount out of 5 grand, this case/claim has not resolved SINCE 2010. They wouldn't send me check yet only because the driver needs to accept the offer also. My theory is that whether or not the driver finds the offer fair, is none of my problem. I shouldn't have to wait for 2 years only because the driver refuses their offer. I should get my share at least. Do I have a legal case against the company for taking too long in this regards ? What can I do to resolve this ?

How I can get health insurance coverage?

Did any one have any idea how I can get health insurance? Thanks God I have a lot health problems and I can't afford buy individual health insurance because my existing health issues. i try to find job with health insurance but i cant is hard

Looking for a good first car, one with low insurance rates preferably?

I just turned 16 and am currently in the market to buy a car. I am looking for something in the price range of around $2,000, possibly a small four cylinder pick up, or a japanese sedan. Does anyone have any sugestions for a good first car, and if any one has expeiriance with insurance can you tell me a price range of what I would be looking at for isurance, I have good grades and looking for a minnimum policy in Florida. Thanks if anyone can help me although I know I probably wont get much help with the insurance part.

I crash today i have no insurance and my car is under my bfs name and insurance..so i just gave the insurance?

to the guy that i crash..hes going to call the insurance..im scared i havent told my bf and i dont want to..do i need to file something i dont really know im scared plz help me and i wanna know how much is goin to be

Can other people drive my car with my insurance?

I am going on a road trip with a friend but I don't want to drive the whole way. I have AAA insurance, will it cover my friend if she drives my car part of the way? She has state farm insurance if that makes any difference.

Where can I find cheap auto insurance after a DUI?

I have a bad driving record that includes a DUI and driving with a suspended. I am looking for some way of getting reasonable priced auto insurance in Florida. I went to Geico and they want to charge me around $700 a month! Also what is an SR-22? Any help would be great. Thanks.

Car insurance help !?

Can i buy a car and get car insurance and then only use it for a couple of months ? then do i just cancel the insurance an i would get rid of the car please help me an new to this.

How do i get my national insurance number?

I've lost my national insurance number, if it helps i'm 17 and scottish.

What's the cheapest car insurance in Houston, Texas?

I just bought a 350z 2003 and I'm 19.. So I would like to know how much I will pay...

Insurance costs for a 19 year old with a street bike in Nebraska.?

I am 19 years old and live in the state of Nebraska. I have never received any speeding tickets or traffic violations. I want to buy a Kawasaki ninja 650 or a Yamaha yzf-r 600 and I would like to know about how much insurance would be for that per month.

Rear-ended, can I ask car insurance to compensate for inconvenience of not having a car?

Got rear-ended in NJ by a woman and my car was determined a total loss. Her car insurance took over a week to come to a decision that they would take 100% liability for the accident. They made me an offer for the dollar amount of value of the car which was honestly more than what I thought the value was going to be. I have 2 questions... Can I ask for compensation for the inconvenience of not having a vehicle during the time that they were making their decision? And two, I went to the hospital after the accident but haven't received the bills from that yet. If I accept their offer for the damage done to the car can I still get reimbursed for my medical bills later?

Driving w/ no insurance?

i was driving my dad's car to the movies one night and got into a car accident. I don't have insurance on the car because its my dads, but i do have insurance on my car is it possible to get my insurance to cover the accident?

Someone reversed into my car, is it better to go through maaco instead of insurance? its jus ta minor scratch?

i was at a stop sign and i was abou tthe 4th car, well the 3rd car decided to reverse to leave and backed up and hit the front of my car. its not really that bad but its still a big scratch. is it best to just have her pay my estimate at maaco? or deal with insurance? i don't want to get jacked up insurance rates because someone doesn't know how to reverse.

Why do car insurance rates go up?

After an accident, why do car insurance rates goup? What happened to all the money I've paid in over the years? Isn't that supposed to cover the cost of the accident? I'm talking about non-injury accidents.

Made a mistake on previous car insurance?

I'm worried about changing insurance companies as I forgot to tell previous insuraure about 3 points I have. What will the new insurance company say about the situation? Should I ring my old insurance company and explain? But the insurance has expired thanks

Is insurance higher for a Grand Prix gt coupe?

In a couple of days I am going to be getting my license and on craigslist their is a Grand Prix gt coupe but my mom doesn't really want me to get it because she says the insurance is going to be high because it is considered a sports car is that true?

Paden City West Virginia Cheap car insurance quotes zip 26159

How accurate are online auto insurance quotes?

For example, Geico, Progressive, or Esurance? Are they accurate if you are honest about the information? And even though they don't ask for the VIN number?

I need a lot of dental work done and I don't have money for insurance, is there any programs or something I can sign up for?

I was robbed at a job and got a tooth broke in half and I admit I never took care of my teeth as well as I should have, between our new baby and our bills I can't really afford Insurance or financing. i really just need a second chance, i feel like it holds me back from getting promoted and making a good first impression and id really like a better smile all around. is there any programs or something I can sign up for? I'd prefer for it to not be at the tax payers expense but I'm not above it. I live in california if that matters, thank you

Cheap car insurance with no deposit?

where is the best place to get insured that is cheap and no deposit asked for or cheap deposit?, thanks

Where can I find average sale prices for cars?

I'm looking to find a website that will give me the average sale price for cars. NOT looking for blue book value. The reason why is my car (2000 infiniti g20) just got totaled and my insurance company will only give me the price I would get if I were to sell it on the market . An autobody owner, an auto insurance rep, and a car dealer all say that I should be getting more than the $3,800 my insurance company is offering (including sales tax!), but say that I should get some data online to have a convincing case that I could get more. The blue book value is around $4900-5200. I'm looking for a website with either charts or simply figures that give average sale prices for certain vehicles. Thanks!!!

What should I expect to pay for car insurance?

I am 18. I got my permit in March 2011 when I was 16 and I got my license this month. I will be taking a defensive driving course, the 5 hour course and I might also take a course with a driving school to reduce insurance cost. (I live in New York) I have enough money saved up to lease the car I want but the insurance seems like it will be very steep. The cars I'm looking at are a: 2012-2013 Mercedes Benz C300 4MATIC 2010-2013 BMW 3 series or 5 series What can I expect to pay on insurance based on this information and do you think I'd be able to get a quote for $400 or less? Also, what type of car do you have and how much do you pay for your car insurance?

What is the cheapest auto insurance for young drivers?

With your experiences with auto insurance, whats been the cheapest you've had or knew someone had. I'm 20 with a 2001 Mazda Protege LX 2.0L in NYS

Is there such thing as unemployment health insurance in TX?

I don't have a job but I want health insurance. I live in Houston, TX. What is my best approach to this problem? (other than getting a job that has insurance)

What kind of health insurance do I need?

My family is looking for health insurance. I do not understand premiums and such. This is our first time getting or looking for health insurance. It will be for myself (21yearsold) , my wife(19yearsold), and my 8-mo old son. We are all in perfectly good health. We will only be using the insurance for typical well-visits, up to date on shots, and the possible emergency visit. What is the best place to get quotes and what kind of premiums should we look into? Obviously, we are young and need something affordable. I need help! :(

Pls help me to find a cheap insurance in CAli?

Ive a dodge stratus that i bought in a rebate the title saids SALVAGE and I would like to quote something cheap with covarage to into tijuana or ensenada!! pls HELP!

Can small business owners & the self-employed get quality yet affordable health & dental insurance...?

if so, how?

Would insurance on a 1992 lexus sc 300 be expensive? im 18 year old in riverside california?

yes i recently just got my license and im only 18 in riverside california

What car will i be able to afford insurance on when im 17?

im 15 on april 25th 2011 when im 17 what cars will i be able to get insured, i have a 1500 budget... i love the MG ZR how much will that cos when im 17...... and any other cars that will be cheap to insure that are nice looking cars and pretty nippy cheers

Does an expired MOT invalidate insurance when making a claim for my car stolen from a private driveway?

I had no idea that my mot had ran out, when my car was stolen from a private driveway (not on public road) My insurance say i was in breach of the policy. But where do i stand legally with the car being off road when stolen? The insurance quoted no payout if there's no mot when one is required by law! Is there a loophole i can use

Car Insurance For 17 Year Old?!?

So im doing my driving lessons but am so worried about insurance. I want to go on my dads insurance who has maximum no claims bonus. The car I will be driving is a 1.2L Vauxhall Corsa SXI (52 Plate). The cheapest quote I have had is 4000. I was just wondering if any of you guys know the cheapest insurance provider or can help me in anyway at all or tell me the best thing to do? Im willing to do a Pass Plus if that helps? Thanks.

Secondary insurance for a Mustang for a 16 year old male?

My parents are going to get me an 2008 mustang. If the car is under their name and im just the secondary user, like if i drive it once a month, how much am i looking at insurance wise?

Which are the cheapest car to insurance in Canada?

Hello: Planing to buy a car, but I will considered a car that is cheaper to insure, any suggestion? Thank you in advanced

Mustang GT Insurance?

I am now 15 and 9 months and when i turn 16 and 9 months around May next year i would like to get a new 2015 Mustang GT for 32k. There is a problem. My mom is worried about how much she will have to pay for insurance so i would like to get an estimate from you guys before asking her to call the insurance company. By the way we are from Poland( I am first generation born in New York Brooklyn now in Maryland). I was thinking maybe she could just tell the insurance company she is buying a second car for herself to maybe keep the insurance company from knowing its for a 16 year old they wont be able to trust.(Even though i have been driving my Mom's Camry for a few years now and am beyond responsible enough.) I was hoping below a 100$/month? (P.S. She is very responsible and had never been in an accident caused by her fault so her insurance company trusts her and i believe she is with Erie Insurance now after she switched from Geico who were overcharging her for the house coverage i believe...)

What factors go into car insurance policy fees? Im going to be a brand new driver?

Im 22 yr old female. I don't have the car yet but I am taking a drivers education course and was wondering how much the insurance would be( estimated). what would be the cheapest big name company right now?

Does anyone know what the average car insurance is for a 2003 g35 coupe iam 18?

i also live in maryland

Can I insure a Car under My Insurance if I am not on the title?

I just bought a used car and had my fiance's mother finance it under her name because she got me a 7% APR which is really good compared to what I would have gotten. The finance guy at the dealership said to just have the car under her name to get that great rate and leave me off the loan completely. I will be making the payments, driving it, & insuring it. She is just the person who's name is on the title (so I could get that great APR rate) Now, I was just wondering, can I insure the vehicle under my policy even though my name is not on the title? I am kind of worried that my insurance company will not let me insure the car because my name is not on the title. Does anyone have any experiences or knowledge about this sort of thing? Thank you for your help

I have a question about car insurance in N.C.? I REALLY NEED AN ANSWER????????????????

okay, im 15, im about to get a car signed over to my name, what im wanting to do is have it in my name, work out the problems with it over the years, then by the time i get my license, it'll be running nice and good so i dont have to worry about it, sounds simple huh? well i've only encountered one problem with this, and that is my mom says that you need to have car insurance to be able to own a car by law. so the whole time that i own the car, fixing it up and stuff, (when im not driving it), ill have to pay car insurance on it, i dont have a job yet, so i dont wanna dig a ditch that i cant get out of, so by law in N.C., do i have to have to have car insurance on a car, if i dont have my license, and im not driving it, i guesse a simpler way to put it is do i have to have insurance on a sitting car. an answer is crucial and best answer gets 10 points, please help thank you

Can I stay on my parents health insurance if I move out?

I am 23 years old and I go to school full time in California. I have a job at a restaurant that does not offer health insurance and my parents would not be contributing financially. If I move out to an apartment, can I stay on my parents health insurance?

Help me with my car insurance question!?

i am currently insured on my grandfathers insurance as a secondary driver because they gave me their car when they paid it off. well now im selling that car and we are wondering how the insurance will work? will i just be able to switch it over to my new car though it will be in my name now instead of his? should i just put the name of the car in my grandfathers name to make things easier? or can it still be done with a reasonable increase on my car insurance? right now i pay 500 every 6 months because of my good driving record and i get the student discount, how much more will it go up if i have a car under my name?

How much would insurance cost for me?

i'm an 18 yr old female driving a 86' camaro

Car insurance question?

I have a question, and I am not sure if this question is applicable to this email, but I guess it's worth the shot. First off a little background, I am 18, but I don't have my name listed under my parents' car insurance, I got into an accident upon receiving a 1st offense citation for following too closely. My court date isn't until a month later and because of the accident my parents want to put my name under, but at the same time they would like to change insurance companys, are they allowed to change insurances and put my name under before the court is settled or do we have to wait until the court is settled? All I know is that All I have to do is pay the fine, but won't allow me and require me at court.

Paden City West Virginia Cheap car insurance quotes zip 26159

I want a good car like a 1992 - 1997 supra for my first car. How much will the extras cost?

If I do well in my senior year of school, my parents will by me a car! I have done a bit of research, and concluded that i would like something along the lines of a Toyota Supra. I am not too interested in power and racing qualities e.c.t but i love the way it looks. A Toyota Celica also looks looks on the cards. As im on a budget of around $15 000Au (Around $20 000 American) i am looking at one of the 1992-1997 models. I am concerened that this seems too good to be true, and I am going to have to pay for repairs, insurance, fuel (Gas) and rego. I have heard that these cars are reliable but I REALLY don't want to have to pay for large amounts of these extras. So basiclly how much will i probs have to pay for these? If its alot, what other similar cars are there?

I live in PA...I never had car insurance but I'm buying my first car. I can't get a car insurance quote so...

how can I drive the car off the lot if I don't have insurance? I'm lost...can somebody help me solve this problem? Thank you.

What is the average cost of home owner insurance in Houston, Texas?

I know this varies and are based on different factors. I am just seeking an average - thanks!

Is there a free health insurance in usa? arizona?

How important is car insurance ?

My dad works for an insurance company so he thinks I need insurance but I can't afford it. Should I wait until I have enough money for insurance to buy a car?

How much would a doctors check up be without insurance?

Please excuse my grammar, but I'm a bit panicky. I need to know the cost of a doctors check up in California for a 21 year old man without insurance. My boyfriend has been having some chest pains, and we think he sprained his wrist. I'm so worried about him. He can't afford insurance at the moment, due to the fact that he can barely pay for his college classes and food. I need an estimate from anyone who has been in a similar situation. Thank you so much in advance!!

In Florida, How much (if any) will my auto insurance rate increase with 3 points on my license?

I got a ticket for improperly changing lanes and I'm electing not to go to traffic school (since I only have one more chance for traffic school based on two times/year) for such a minor offense. Would it make sense to skip 8hr school ($70.00) or would I end up paying more in the long run because of my 3 points?

Insurance premium increase of 50%?

I had an accident with my RV that was about $1,200.00 on my side and very minor on the other vehicle. The accident was considered my fault and being 1 point and my first ever in over 32 years of driving. My insurance company now has increased my premium about 50%. I am in California and would like to understand the criteria for this increase. It looks like the company will recover the full amount paid in the next premiums. Where can one go to understand this? Thanks

Adjudicated speeding citation: what happens to insurance in Florida?

My parents handle my car insurance (Hartford). Go to college in Miami. Parents also live in Miami. Got my 1st speeding ticket (38 mph in a 30 mph zone), took the class, had the citation adjudicated/cleared. Would rather not have my parents find out. A) Will the insurance show my driving record or citation history to my parents? B) Does Florida law allow ANY charges to insurance after points have been cleared?

How do I get rid of my car insurance?

I've got insurance on my car, but I am looking to cancel it. And I would like to cancel it without really having to explain myself to the company, seeing as they will want some sort of proof that I've for instance changed to a different company. I will be moving out the country come autumn, and I can't bring the bills with me for when I move away. It will cost too much, and no one will be driving the car anyway. Anyone have any suggestions on how I can cancel it?

Im In High School and need cheap car insurance!?

Uhggg my parents are making me pay for my auto insurance! I saved up for my own car and I only have a after school job, where can I get cheap car insurance..... for my age at least?

Girlfriend as spouse for auto insurance?

What could happen to me if I claim my girlfriend as my spouse on my auto insurance quote to get a better quote?

What is the health insurance like in Vermont?

Some people are saying that it's like Canada's health insurance, where anyone can have it for free. Some others are saying that it's restricted to only certain incomes, ...show more

What is the best car insurance?

What is the cheapest and best car insurance out there. im 18.

How much will be car insurance be for a 2.2l Renault Laguna?

Basically, I've got my hands on a Renault Laguna 2.2l Diesel. It's a 2002 model. I've also just passed my driving test 2 months ago, and would like to know what to expect with insurance. I'm not keen on selling the car, so I'd like to know which companies are best for young drivers. Oh yeah, and I'm 17 years old.

Teen Car Insurance Price?

Currently driving my fathers old 2002 Mitsubishi Galant (basic 4-door car, nothing special), and planning on buying a Suburu BRZ (sports car) when I turn 18. My birthday is Dec. 25, I am currently 17 and I have had my license since I turned 16. I have a B average in school and I am planning on taking defensive driving also. I have had no claims or accidents at all. The car is just going to be for commute, probably about 13-17,000 miles a year (going to be traveling home from college). I will be on my parents insurance, but I was just wondering the quote. I tried doing it on a insurance website, however they don't give you a quote if you are under 18. I am planning on getting collision coverage. Thanks in advance.

Would having a fake nitrous system in my car increase insurance rate?

Motorcycle insurance is so expensive?

Basically I'll be doing my cbt test this Wednesday so I can ride my 125cc supermoto which I use for dirt biking. Checked insurance on my Yamaha WR125X and it's 1400 for comprehensive, da fk is this? After seeing that I was physically sick. So I thought I'll just check on the most cheapest moped and it's 700 which is still expensive.. How the fk do these kids I see with mini coopers afford insurance and all I wAnt is to ride a small 2 wheel sht face. I'm 18, 19 this march, work full time. Can I find it any cheaper anywhere? Should I go for third party insurance? I just hate my life

Why is fully comprehensive much cheaper then 3rd party for a 17 year old?

Hello I am getting close to passing my test and i have been looking at the types of cars that i can get that will give me the cheapest insurance quote. I am planning to go on my parents insurance as an Additional driver an they would own the car. I was looking quotes and was surprised to discovered to fully comprehensive was much much cheaper then 3rd. about 1400 compared to 3200 what is going on, also a renault 1.2 Clio is more expensive then a 1.6 renault Megane. Any advice on getting low insurance and why is fully comp cheaper? thanks for any help

How could she afford health insurance?

Here's the real life monthly budget of a 28 year old woman I recently met: Wages +1760 [$10 an hour; full time, no holiday bonus pay] Taxes -250 [Social Security, Medicare and Federal Income Tax] Take Home = 1510 rent 600 [1/2 of shared apartment] car 300 [includes auto insurance and repairs] food 200 [and household supplies] electric 50 [her half] cell ph 50 church 50 clothes 100 [includes makeup, beauty, and entertainment] replacements 165 [primarily for her car = 2,000/yr] {used car replaced about every four years with another used car that is about 6 years old when bought. Monthly costs are 150 for insurance, 50 for gas, and 100 for repairs. She has no auto loan payment.] *** How much does this woman have left to buy health insurance with? *** you're exactly right -- ZERO her employer offers all employees a fine health plan -- at a cost of 700 a month for a single employee [employer contribution is zero]. Is there any way she could possibly afford health insurance? Only if it is free. There is no other way. *** what does this woman do if/when she gets sick? because she works in health care, she aks the doctor who sees her patients while he's at her workplace. he looks at her off the record and writes an Rx if needed. cost = zero plus the Rx. *** Here's the challenge -- how do you pay for her health insurance without raising her taxes?? [She can't afford any higher taxes.] Notice that, aside from her car replacement fund, she has no savings, no retirement plan other than Social Security, and almost no assets. One credit card, zero balance, used once a week on average, always pays it off. *** Dear Congressman: This woman is your uninsured target. She almost literally can't afford to pay anything for health insurance; and certainly can't afford fancy health insurance -- she's just barely making it as is. [She makes too much to be eligible for Medicaid since she has no kids.] What's her plan for a serious illness? Go to the hospital, get admitted, and go bankrupt afterward. She has an older used car and no assets -- nothing to be taken away [her car fund would be emptied for rent and food while she's unable to work]. Tell us how this is going to work -- her employer, btw, is almost bankrupt now, so you can't tax it to provide the health insurance unless you also increase health care reimbursements to providers.

Health insurance for individual?

Trying to find the best plan for myself. I am 30 yr old female self employed. I have an ok job right now so a high premium is not going to work. But I am fairly healthy and never really go to the doctor. I guess I need insurance for those what if moments that I hope never happen. Also I live in Pennsylvania. This is what I have found the HMO premiums are just too high but none have deductibles. The PPO plans all have deductibles but the premiums are lower. PPO Deductibles $2500 cost $188 a month,20% coinsurance $5000 cost $164 a month, 20% coinsurance PPO Advantage Deductibles $1500 - $142 a month, 20% coinsurance $2500 - $120 a month, 20 coinsurance Right now I'm leaning towards the lowest deductible advantage plan at 1500 @142 a month and a 3000 out of pocket max. It seems reasonable all the preventative care, primary and specialist are all copays w/out deductibles so say I never go tot he hospital I'm basically just paying a monthly premium and the copay. My issue is I have gone uninsured before and knock on wood nothing happened never even needed to use a cvs minute clinic. But as I approached 30 I realized maybe I should get health care for myself just in case. I do have the !500 set aside in an account that was supposed to be a splurge fund for vacation but now it may also just be a medical fund. Anyways, based on the above all co-pays are $30 and $50 for specialist. Do they sound reasonable?? Insurance is so hard to understand *sigh*

Anyone know a cheap Health Insurance Cover for myself?

Im single, 27 years old and living in Victoria/Melbourne

Renewal of car insurance after accident?

I was in a car accident in Oct 2006, I was injured in the accident and still under medical treatment but insurance is now refusing to pay any medical bills and my 6 month renewal is up and I am wondering if I need to renew this because of being in a accident or not. If anyone has been through anything similar like this could you please advise. I was not at fault in this accident and I am waiting to hear from a lawyer. Any Advice? Serious answers only PLEASE!!

If I already have health insurance, but get hired somewhere where they also have health insurance as a benefit?

does that mean I HAVE to have their insurance? I want to keep my own insurance, which is under my parents health insurance.

Tornado and insurance problems in enterprise, alabama?

USAA Property Insurance will not pay enough for me to rebuild my home that was destroyed on 1 March 07 from the tornado!

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How much do you pay for health insurance and who do you have?

People keep saying that Romney care made insurance affordable in MA. If health insurance in MA is cheap compared to other states I'm wondering how much you pay and where do you live? I live in MA and I pay $14K a year for Tufts. BCBS of MA wanted nearly $20K.

Insurance adjusters... how much can I expect to get for my car?

My car was stolen and I don't expect it will be recovered. I was curious about how much I can expect to get from my insurer. The loan is paid off, so I will receive 100% of the total offered by my insurer. Please see the car details below: 2002 Dodge Intrepid SE, 4 door 104,000 miles V6 automatic power doors, windows, driver seat cd player a/c I know I won't get the retail value. I feel a fair private seller price is about $4500. My research shows the trade in value is about $3600. I feel I should get something close to the private seller value as I know I won't get the retail value but should get more than trade in value. Is this a reasonable expectation? Input from actual insurance adjusters is appreciated. Given the car and miles, how much do you think I'll be offered?

Health insurance for individual?

What is a good company for a first time car insurance?

WHat insurance company has the lowest quotes? This is my first time with car insurance and i want a company that has low cost in Florida because i don't work yet so my parents will help me pay until i can work. i have a 2001 Bravada.

Ball park how much extra to add my boyfriend to my car insurance policy.?

I'm paying alot because i'm a new driver to the UK, just wanted a ball park of if it will be alot more to add my live in boyfriend as an occasional driver.

Car insurance,if im fully?

If im fully comp on my own insurance, could i buy another car and not pay any more premiums.

Speeding ticket.. insurance increase?

okay soo I just turned 18 last tuesday, and today, I got a speeding ticket. I was going 58 in 40, but I really didn't notice that. the cop went by me in the other direction and apparently his radar said I was going 58. I know I've sped on that road before, but this time I honestly don't think I was. it was my second speeding ticket.. I got one last year that didn't go on my record or something so the insurance company never found out. but this time, I can't imagine I'd be so lucky. I've been googling car insurance and how much it would go up, but I can't find it anywhere. I believe we're with arbella. my parents are going to kill me and I don't know what to do that will help this situation. so I guess I have two questions: one, how much will my family's insurance increase? and two, what to do I do to minimize the penalty, or whatever you want to call it. I'm perfectly willing to pay the fine..if I was speeding, I deserve that.

What health insurance am I eligible for?

I am currently 17 years old. I will be turning 18 in early November and my family does not have health insurance. I was wondering if I qualify for anything that will be able to get me low-cost braces or anything orthopedic. My family makes not that much money anf I am currwntly going to be a full-time college student. What insurance or health care would I qualify for? I have been needing braces for a while now and I am really self conscious about my teeth I hate to smile. Thank you on your help.

Is it a good idea to get earthquake insurance?

I live in San Francisco, California and I wonder if it's worthwhile to buy earthquake insurance? DOes anyone has any experience what to consider, and why they made the decision they did?

Cheap full coverage auto insurance?

Would it be cheaper to put I rent my home or just other on my insurance for my vehicle.

What kind of sport car is good to buy that insurance is not that high ?

im trying to buy 2006 slk but i dunno should i get it or not,20 old

Willthe insurance cover me ?

If someone hit my car and it was their fault but i dont have insurance will my cars damage be covered?

Dental insurance for an adult in need of braces?

I am almost 21 years old and will be getting braces within the year and was wondering if anyone knew of good dental insurance plans for adults that includes braces. Please, legit companies, preferably first hand experience with them. Thanks!

How much would car insurance be for me?

roughly what would i have to pay for car insurance heres some info -im 18 -car is a honda civic 2010, new -got my license at 18 -live in massachusetts

How much is car insurance for a 16 year old?

Im 15 about to be 16, and im getting a 2000-2005 jeep grand Cherokee Laredo. But I don't know how much the car insurance will be for me. I live in Florida U.S.A. Please help !

Car insurance problem, please help!!?

Hi, I just got my g2 and my parents won't let me drive yet because they aren't insured for me to use their cars. I understand that everyone's insurance is different, but according to your history with car insurance, how long will it take to set up? Also, how much money, roughly, will it be added on to my parent's insurance? I have plans very very soon to drive with friends and my girlfriend. Thanks.

Should I not put my husband on the car insurance???

Here is the deal... hubby got a ticket in January.... for a DWAI (first ticket ever). So our car insurance is going up. But we are getting a new car tomorrow... so I'm going to have to either find new insurance, or put the new car on our insurance and have it go up probably about $100. Should I just get insurance in my name so we can save the $? I don't think I can afford more than $70 a month for insurance! And we have to get collision because we are getting a loan....

What are the average car insurance yearly rates for a teenager in Chicago with Good Grades?

Im 20 years old. Just wondering when i should buy life insurance?

Im 20 years old. Just wondering when i should buy life insurance. ? I have a bf live at home with my parents. I have a car loan out for 18,000. Have a full time job. Just wondering if its better to purchase when your younger. My bf and I have been together for 6 years.

How to see a doctor without health insurance?

im a student living in southern california. i havent seen a doctor in years because i cant afford health insurance, but recently ive noticed that i may have an issue that should be checked out by a doctor. how do i go about seeing one? what do i do? where should i go? any advice or tips would be very helpful. at this point i dont care how much debt i have to incur to do it, i just need to do it. thanks.

First time car insurance?

I'm a 25yr old female looking to buy my very first car, which are any good insurancers? What should I be looking for with an insurance company? I'm based in london

Do i need to be on the insurance?

im going to take my drivers test and my grandpa is going to let me use his car.do i need to be on his insurance to drive his car for the test?i live in connecticut

My Allstate insurance agent wants me to change from Allstate to Allstate Fire and Casualty. Should I? ?

I would be saving money, but I am wondering if there is a catch to this. Anyone else do this? It is my auto insurance, and I'd save money to switch (about $500 every six months. He tells us rates are lower because my credit is good. True?

If you get a learners permit will your parents insurance go up?

my mom wont let me get my learners permit cause she says her insrance rates will go up is it true? I live in california and they got Farmers insurance

If you need health insurace, are you going to be able to afford Affordable Care?

I had high hopes for the Affordable Care Act (nicknamed Obamacare). it was supposed to give all Americans access to healthcare and be affordable enough so we could all still eat and have a roof over our heads. Premium prices depend on where you live, and I live in one of the higher-priced areas, but OMG! Their premiums are more expensive than I've ever seen, and then you have to pay a chunk to see the doctor or get a prescription or go to the hospital... I don't see any savings or advantages anywhere. So what about you, if you aren't covered by health insurance and were hoping to get it under the Affordable Care Act? Can you afford it?Will you be able to actually afford to go to the doctor after paying the premiums?

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