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davidoespailla · 5 years

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Revealed! These Are America’s Most Unaffordable Housing Markets

iStock; realtor.com

In the words of President Donald Trump, the nation’s economy is booming. After clawing our way out of a terrible recession, Americans are finally working and getting raises again. But please, hold the applause.

Finding a job these days is the easy part. But scoring one that pays enough to cover the monthly rent or mortgage bill with enough left over for everything else is a big challenge for many folks. And it’s getting worse.

Home list prices have jumped 41.7% over the past decade, while median incomes have climbed just 23.8% during the same period. That’s resulted in plenty of places across the nation becoming unaffordable for the folks who have long lived there.

Affordability is a top-of-mind concern for renters and aspiring home buyers. So realtor.com wanted to find out: Where is the gap widest between what people earn and what they shell out for housing? What we found wasn’t necessarily the most flat-out expensive real estate markets. No, our focus is on the places where too many folks are spending way above the widely recommended ceiling of 28% of their household income on a place to live.

And that can be a perilous financial line to walk.

“The more you spend on housing the less you have to spend on other things you value and to fund your financial goals,” says Roger Ma, a financial planner at Lifelaidout and New York City–based real estate agent.

Some cities made our list because foreign, out-of-state, and second- and third-home buyers have driven prices out of reach of the locals, many of whom work in lower-paying, tourism-related jobs. Others are popular with retirees, who usually have lower incomes or are living on savings. And the cheaper places in our rankings are here because of low, local wages and not enough high-paying job opportunities.

To come up with our findings, we looked at the median monthly housing costs in roughly 500 metros* to pinpoint the markets where folks are spending the most on their homes. We did this by dividing the median monthly costs for renters and homeowners by the median monthly household income. We limited our ranking to just one metro per state. And keep in mind that these are median figures, so half the folks in these cities are paying even more than the figures cited. Sometimes much more.

So let’s take a look at where folks are stretched the thinnest.

Most unaffordable cities

Claire Widman

1. Santa Cruz, CA

Median list price: $895,800 Median monthly housing cost: $1,840 Median household income: $73,663 Share of income going toward housing*: 30%

Santa Cruz three-bedroom home.

realtor.com

On a trip to Santa Cruz Beach Boardwalk, an amusement park that runs a mile along the Pacific coastline, parkgoers can ride the Giant Dipper roller coaster and eat fresh-roasted corn at Barnacle Bill’s. This town has a down-to-earth feel—and that attracts deep-pocketed techies who come down from nearby San Francisco and San Jose, CA, in attempts to escape the hustle and bustle for a weekend of beachside fun.

“We have a lovely bookstore [in Santa Cruz] that is the epicenter of downtown, and great coffeehouses … also, beaches, redwoods, and Big Sur around the corner,” wrote a niche.com neighborhood reviewer who moved from Silicon Valley to Santa Cruz.

But this loveliness has a price: All these second-home buyers pushed prices up in Santa Cruz, making it the country’s fifth most-expensive U.S. housing market. The San Francisco Bay Area escapees are purchasing Instagrammable, luxury, two-story homes on scenic hillsides with ocean and mountain views. They can afford it—unlike the long-term locals, who have an increasingly hard time competing. There’s simply not as many high-paying jobs in this town.

For years, the city’s housing market experienced double-digit price increases. But that’s changed as many buyers can no longer afford the seaside city. In the past 12 months, prices are essentially flat and inventory is up 45%.

“I’m seeing some buyer pushback,” says Realtor Kaelin Wagnermarsh of Keller Williams Realty Santa Cruz.

2. Miami, FL

Median list price: $385,100 Median monthly housing cost: $1,280 Median household income: $51,758 Share of income going toward housing: 29.7%

Miami mansion

realtor.com

Let’s state this upfront: Living in Miami ain’t cheap. Just off its shores, exclusive Fisher Island in Miami-Dade County is one of the nation’s most expensive enclaves, packed with luxury, high-rise condos—many of them second homes for the wealthy— priced over $5 million. Luxury suburbs like Doral, 15 miles outside of downtown, have their share of 10,000-square-foot mansions. And let’s not forget Paramount Miami Worldcenter, a 60-story luxury downtown condominium that will be the sixth-tallest building in Florida.

Over 9% of homes in the Miami market are second homes, many purchased by non-Americans. But unlike other cities like New York or San Francisco, which also have a lot of affluent foreign buyers, Miami doesn’t have the similar high-paying jobs that help locals to compete.

But there might be some relief for would-be home buyers: January home prices in Miami are down 1% year over year, and inventory is up 11.8%.

3. Grants Pass, OR

Median list price: $334,600 Median monthly housing cost: $918 Median household income: $40,705 Share of income going toward housing: 27.1%

A three-bedroom home in Grant Pass.

realtor.com

The affordability gap is a hot-button issue in Grants Pass, credited with playing a leading role in the area’s growing homeless population. The problem is so bad in Josephine County, home to Grants Pass, that a developer last month proposed building a series of tiny homes to house some of those living on the streets.

Grants Pass is generally known as an increasingly popular retirement town, with most shops closing at 7 p.m. Many seniors come here for the calm Oregon climate and the fishing or boating on Rogue River, which runs through the city. Unfortunately for locals, newcomers are paying top dollar for homes like this riverfront log cabin with a wood interior. Longstanding residents, many of whom have fixed incomes, are finding themselves boxed in.

4. Atlantic City, NJ

Median list price: $240,000 Median monthly housing cost: $1,290 Median household income: $57,514 Share of income going toward housing: 26.9%

Atlantic City

DenisTangneyJr/iStock

During the summer, the boardwalk in Atlantic City is teeming with tourists buying street food and cheap souvenirs. But Atlantic City’s big draw is its casinos—and that means plenty of lower-paid, service jobs for locals. But these gigs make it tough to afford the area’s luxury, beachfront condos and even the significantly more affordable single-family homes and condos.

Atlantic City also has a fair number of retirees who don’t necessarily have huge take-home pay, and tend to spend a higher share of income on housing. They flock here because Atlantic City is still a relative bargain compared with much of the Northeast.

But homes prices in Atlantic City are growing fast, rising 6% year over year in January. That’s because after a number of hard years, the city is on the upswing again—rebuilding after Hurricane Sandy, and even opening new casinos after decades of closings.

5. New York, NY

Median list price: $515,100 Median monthly housing cost: $1,588 Median household income: $72,205 Share of income going toward housing: 26.4%

Brooklyn brownstones

realtor.com

Complaining about rent is about as New York as pizza by the slice. These sky-high monthly fees make it hard for many New Yorkers to save up for the down payments they need to purchase homes (and unlike many places, you actually need the full 20% down payment to buy here). Naturally, condo and home prices are pretty darn expensive.

Prices in the city have long been astronomical thanks to the limited supply of housing, the many highly paid professionals who work there, and the slew of international home buyers. But fortunately, there is a big range of housing available, from high-end apartments and condos in Manhattan to $3 million brownstones in Brooklyn and two-story, single-family homes on Staten Island.

But at least these rent-burdened folks are getting some price relief from the slowing New York real estate market, right? Think again. Homes prices in January were up 8.7% year over year.

6. Kahului, HI

Median list price: $928,800 Median monthly housing cost: $1,594 Median household income: $72,743 Share of income going toward housing: 26.3%

Home in Kahului, HI

realtor.com

Kahului is a tropical paradise come to life with breathtaking views of the Pacific Ocean. But this city on the Hawaiian island of Maui is almost as renowned for its astronomic prices as for its jaw-dropping vistas. In fact, the typical household in Kahului spends the same on housing per month as a typical person in Seattle, despite earning $5,000 less per year. Only Silicon Valley’s San Jose, CA, has a higher median list price.

That’s partly because nearly everything here must be shipped in—and prices reflect that. That includes building materials, which, in turn, drive up home prices. And then there are the foreign buyers and vacation home buyers who aren’t on tight budgets, pushing up the cost of homeownership for everyone else. That’s problematic for locals as the island lacks the jobs that pay workers enough to afford real estate on the island. Sometimes up to three families are packing into one home.

“Almost a quarter of Maui residents are severely cost-burdened,” wrote the Hawai‘i Appleseed Center for Law and Economic Justice in a March 2018 report. “Less than a quarter of prospective Maui home buyers are able to make an adequate down payment.”

7. Jacksonville, NC

Median list price: $203,300 Median monthly housing cost: $1,028 Median household income: $48,162 Share of income going toward housing: 25.6%

Jacksonville

virsuziglis/iStock

Hurricane Florence hit coastal Jacksonville hard in September 2018, destroying homes and driving up rents. The 246-square-mile Marine Corps Base Camp Lejeune sustained $3.6 billion in damages and was forced to kick out some civilian workers living on base. That helped to drive up rental prices in the region. One-bedroom apartments for rent can easily exceed $900—a high price for someone on a shoestring budget.

“Families are still living in hotels because their homes were destroyed and there aren’t enough rentals,” says Jon Myers, a real estate agent at Coldwell Banker Sea Coast Advantage Realty.

Many folks were already struggling to make ends meet before the hurricane.

“A lot of the population is around 22 years old, and the majority of military [at that age] don’t earn a lot of money,” Myers says.

But it might not be as bad as it looks on paper: The government gives active-duty military a stipend for housing, which isn’t taxed or counted as income. Regardless, Myers says, most enlistees don’t have a lot left over after housing.

8. Bellingham, WA

Median list price: $415,000 Median monthly housing cost: $1,203 Median household income: $56,419 Share of income going toward housing: 25.6%

Bellingham two-bedroom home in the woods.

realtor.com

With a population of just 89,000, Bellingham is a walkable port town packed with mom and pop shops and boutiques. Locals hike the lush forests that surround the city or head to nearby Mt. Baker Ski Area. It’s the kind of place you go to get away and take in the fresh air—and that hasn’t gone unnoticed.

Deep-pocketed folks from Vancouver, Canada, and Seattle come here to buy second homes on its waterfront or cabins deep in the woods nears ski slopes. This puts home prices above what many longtime Bellingham residents can afford.

“What is frustrating is that I built roots here,” says Jim Pope, a broker for Re/Max Whatcom County. “But [my sons] couldn’t stay here. That’s just the norm.”

But for many, the charms of this small city make it hard to leave, he adds. “Because of the quality of life, people choose to live here and accept a lower pay.”

For good real estate deals, some buyers look to Sudden Valley, a smaller suburban community on the banks of Lake Whatcom, where a two-bedroom home in the woods costs around $290,000.

9. Barnstable Town, MA

Median list price: $525,00 Median monthly housing cost: $1,411 Median household income: $68,048 Share of income going toward housing: 24.9%

Barnstable Town Cape Cod home.

realtor.com

The dream for many wealthy New Yorkers and Bostonians is buying a vacation home on Cape Cod (in the Barnstable Town metro) and whiling away their free time lounging on a boat, eating lobster rolls, or perfecting their tans. All of that outside money keeps real estate prices high.

Traditional Cape Cod homes priced around $400,000 are the hot ticket here. Affluent second-home buyers also snag beachside, wood shingle–style mansions priced around $5 million. Sometimes they’ll even buy older cottages and tear them down to build megamansions. But over the past year this luxury market has cooled a bit, with median list prices falling 4.6% and inventory jumping 21.4%.

And Barnstable Town has lots of retirees buying up homes. In fact, realtor.com named Barnstable Town one of the fastest-growing retirement towns last month, and 39% of its population is above 60. Given the harsh New England winters, many of these retirees go South for the cold months to their homes in Florida.

10. Carson City, NV

Median list price: $347,100 Median monthly housing cost: $1,012 Median household income: $49,341 Share of income going toward housing: 24.6%

Tahoe new construction.

realtor.com

While everyone is talking about a national housing slowdown, buyers in Carson City can’t catch a break. Prices are up a shocking 16% year over year. Some of this is driven by the new Tesla Gigafactory, which as of last year employs 3,000 workers and is less than a 40-minute commute outside town.

“Housing is just a huge problem. We don’t have enough of it,” says Colleen McKoy, a broker and owner of Brick & Mortar Properties in Carson City.

Buying a home was already a struggle for many Carson City residents, who have to compete with retirees and second-home buyers who push up costs. Why are they coming here? Nevada doesn’t have a state income tax, so Californians will buy a home here and live for six months of the year to shave their tax bill. Plus the community is just minutes away from the clear-blue waters of Lake Tahoe.

This western community, with regular quail and deer sightings, has a number of homes out in the forest that run up to the edge of Tahoe. Second-home buyers will buy homes like this recently built $3 million mansion in the woods.

* A metropolitan statistical area is a designation that includes the urban core of a city and the surrounding smaller towns and cities.

Allison Underhill contributed to this report.

The post Revealed! These Are America’s Most Unaffordable Housing Markets appeared first on Real Estate News & Insights | realtor.com®.

Revealed! These Are America’s Most Unaffordable Housing Markets

#TRUSTED LOCAL REALTOR #Revealed! These Are America’s Most Unaffordable Housing Markets

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gillespialfredoe01806ld · 5 years

Text

Revealed! These Are America’s Most Unaffordable Housing Markets

iStock; realtor.com

And that can be a perilous financial line to walk.

So let’s take a look at where folks are stretched the thinnest.

Most unaffordable cities

Claire Widman

1. Santa Cruz, CA

Median list price: $895,800 Median monthly housing cost: $1,840 Median household income: $73,663 Share of income going toward housing*: 30%

Santa Cruz three-bedroom home.

realtor.com

“I’m seeing some buyer pushback,” says Realtor Kaelin Wagnermarsh of Keller Williams Realty Santa Cruz.

2. Miami, FL

Median list price: $385,100 Median monthly housing cost: $1,280 Median household income: $51,758 Share of income going toward housing: 29.7%

Miami mansion

realtor.com

But there might be some relief for would-be home buyers: January home prices in Miami are down 1% year over year, and inventory is up 11.8%.

3. Grants Pass, OR

Median list price: $334,600 Median monthly housing cost: $918 Median household income: $40,705 Share of income going toward housing: 27.1%

A three-bedroom home in Grant Pass.

realtor.com

4. Atlantic City, NJ

Median list price: $240,000 Median monthly housing cost: $1,290 Median household income: $57,514 Share of income going toward housing: 26.9%

Atlantic City

DenisTangneyJr/iStock

5. New York, NY

Median list price: $515,100 Median monthly housing cost: $1,588 Median household income: $72,205 Share of income going toward housing: 26.4%

Brooklyn brownstones

realtor.com

But at least these rent-burdened folks are getting some price relief from the slowing New York real estate market, right? Think again. Homes prices in January were up 8.7% year over year.

6. Kahului, HI

Median list price: $928,800 Median monthly housing cost: $1,594 Median household income: $72,743 Share of income going toward housing: 26.3%

Home in Kahului, HI

realtor.com

7. Jacksonville, NC

Median list price: $203,300 Median monthly housing cost: $1,028 Median household income: $48,162 Share of income going toward housing: 25.6%

Jacksonville

virsuziglis/iStock

“Families are still living in hotels because their homes were destroyed and there aren’t enough rentals,” says Jon Myers, a real estate agent at Coldwell Banker Sea Coast Advantage Realty.

Many folks were already struggling to make ends meet before the hurricane.

“A lot of the population is around 22 years old, and the majority of military [at that age] don’t earn a lot of money,” Myers says.

8. Bellingham, WA

Median list price: $415,000 Median monthly housing cost: $1,203 Median household income: $56,419 Share of income going toward housing: 25.6%

Bellingham two-bedroom home in the woods.

realtor.com

“What is frustrating is that I built roots here,” says Jim Pope, a broker for Re/Max Whatcom County. “But [my sons] couldn’t stay here. That’s just the norm.”

But for many, the charms of this small city make it hard to leave, he adds. “Because of the quality of life, people choose to live here and accept a lower pay.”

For good real estate deals, some buyers look to Sudden Valley, a smaller suburban community on the banks of Lake Whatcom, where a two-bedroom home in the woods costs around $290,000.

9. Barnstable Town, MA

Median list price: $525,00 Median monthly housing cost: $1,411 Median household income: $68,048 Share of income going toward housing: 24.9%

Barnstable Town Cape Cod home.

realtor.com

10. Carson City, NV

Median list price: $347,100 Median monthly housing cost: $1,012 Median household income: $49,341 Share of income going toward housing: 24.6%

Tahoe new construction.

realtor.com

“Housing is just a huge problem. We don’t have enough of it,” says Colleen McKoy, a broker and owner of Brick & Mortar Properties in Carson City.

* A metropolitan statistical area is a designation that includes the urban core of a city and the surrounding smaller towns and cities.

Allison Underhill contributed to this report.

The post Revealed! These Are America’s Most Unaffordable Housing Markets appeared first on Real Estate News & Insights | realtor.com®.

from DIYS http://bit.ly/2SNqyIt

#DIYS

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realestateagent532 · 5 years

Text

Revealed! These Are America’s Most Unaffordable Housing Markets

iStock; realtor.com

And that can be a perilous financial line to walk.

So let’s take a look at where folks are stretched the thinnest.

Most unaffordable cities

Claire Widman

1. Santa Cruz, CA

Median list price: $895,800 Median monthly housing cost: $1,840 Median household income: $73,663 Share of income going toward housing*: 30%

Santa Cruz three-bedroom home.

realtor.com

“I’m seeing some buyer pushback,” says Realtor Kaelin Wagnermarsh of Keller Williams Realty Santa Cruz.

2. Miami, FL

Median list price: $385,100 Median monthly housing cost: $1,280 Median household income: $51,758 Share of income going toward housing: 29.7%

Miami mansion

realtor.com

But there might be some relief for would-be home buyers: January home prices in Miami are down 1% year over year, and inventory is up 11.8%.

3. Grants Pass, OR

Median list price: $334,600 Median monthly housing cost: $918 Median household income: $40,705 Share of income going toward housing: 27.1%

A three-bedroom home in Grant Pass.

realtor.com

4. Atlantic City, NJ

Median list price: $240,000 Median monthly housing cost: $1,290 Median household income: $57,514 Share of income going toward housing: 26.9%

Atlantic City

DenisTangneyJr/iStock

5. New York, NY

Median list price: $515,100 Median monthly housing cost: $1,588 Median household income: $72,205 Share of income going toward housing: 26.4%

Brooklyn brownstones

realtor.com

But at least these rent-burdened folks are getting some price relief from the slowing New York real estate market, right? Think again. Homes prices in January were up 8.7% year over year.

6. Kahului, HI

Median list price: $928,800 Median monthly housing cost: $1,594 Median household income: $72,743 Share of income going toward housing: 26.3%

Home in Kahului, HI

realtor.com

7. Jacksonville, NC

Median list price: $203,300 Median monthly housing cost: $1,028 Median household income: $48,162 Share of income going toward housing: 25.6%

Jacksonville

virsuziglis/iStock

“Families are still living in hotels because their homes were destroyed and there aren’t enough rentals,” says Jon Myers, a real estate agent at Coldwell Banker Sea Coast Advantage Realty.

Many folks were already struggling to make ends meet before the hurricane.

“A lot of the population is around 22 years old, and the majority of military [at that age] don’t earn a lot of money,” Myers says.

8. Bellingham, WA

Median list price: $415,000 Median monthly housing cost: $1,203 Median household income: $56,419 Share of income going toward housing: 25.6%

Bellingham two-bedroom home in the woods.

realtor.com

“What is frustrating is that I built roots here,” says Jim Pope, a broker for Re/Max Whatcom County. “But [my sons] couldn’t stay here. That’s just the norm.”

But for many, the charms of this small city make it hard to leave, he adds. “Because of the quality of life, people choose to live here and accept a lower pay.”

For good real estate deals, some buyers look to Sudden Valley, a smaller suburban community on the banks of Lake Whatcom, where a two-bedroom home in the woods costs around $290,000.

9. Barnstable Town, MA

Median list price: $525,00 Median monthly housing cost: $1,411 Median household income: $68,048 Share of income going toward housing: 24.9%

Barnstable Town Cape Cod home.

realtor.com

10. Carson City, NV

Median list price: $347,100 Median monthly housing cost: $1,012 Median household income: $49,341 Share of income going toward housing: 24.6%

Tahoe new construction.

realtor.com

“Housing is just a huge problem. We don’t have enough of it,” says Colleen McKoy, a broker and owner of Brick & Mortar Properties in Carson City.

* A metropolitan statistical area is a designation that includes the urban core of a city and the surrounding smaller towns and cities.

Allison Underhill contributed to this report.

The post Revealed! These Are America’s Most Unaffordable Housing Markets appeared first on Real Estate News & Insights | realtor.com®.

from DIYS http://bit.ly/2SNqyIt

#DIYS

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fog57collins-blog · 6 years

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Mortgage & Hard Money

Those exploring reverse mortgages may have specific questions or concerns or need more information about concepts presented elsewhere in this guide. So what's the bottom line? Consider a reverse mortgage an option of last resort. If you or your aging parent gets charmed by the TV ads, get advice from a competent financial planner and elder law attorney before doing anything. Recognize that your aging loved one might not be in perfect health to the end of her days and that care at home might cost more than a reverse mortgage could cover, especially over a period of years. There just might be less costly, smarter ways to deal with the need for money when funds run low. With a hard money loan, risk is everything. They come with very high monthly payments and are not intended as a long term financing vehicle. When faced with no other financing option, a hard money mortgage may simply be the only solution to achieve a short term financial objective. When refinancing into a hard money mortgage, borrowers can get cash-out, up to the LTV cap for your state or local market. However, the LTV cap does include any costs to close. If you are a Florida homeowner age 62 or older and have paid off your mortgage or paid down a considerable amount, and are currently living in the Florida home, you may participate in FHA's Home Equity Conversion Mortgage (HECM) program. The HECM is FHA's reverse mortgage program that enables you to withdraw a portion of your Florida home's equity. While similar to a home equity loan or home equity line of credit, a reverse mortgage has some very important differences. Rather than receiving a single lump sum, reverse mortgages pay your monthly income based on the amount of equity built into your home. The reverse mortgage payments you receive from your Milwaukee mortgage lender are tax-free and will not affect your government benefits like Social Security or Medicare. Cost is a key consideration. Reverse mortgages often come with loan closing costs that are considerably greater than conventional home loans. Before deciding to pursue a HECM, consider how long you plan to stay in you home and how much equity you really need to tap. You should consider those factors in relation to the closing costs before proceeding.florida hard money loans ='text-align:center'>

Why the rate spread? Everyone's loan scenario is different and rates play an important part in the reverse mortgage loan. Someone who is concerned about maximizing their cash may choose a higher rate. A higher rate to a certain extent means that your loan balance will grow faster, but it also means that the unused line of credit will grow faster, allowing for more proceeds in the future. Someone else may have a goal of equity preservation and as such, may opt for a lower margin. A phone call to us to discuss your scenario will be best in order to help determine the right fit for you. In the past, reverse mortgages and HECMs suffered from a variety of consumer-unfriendly ills. For example, the fees and charges to obtain one were very high, draining a considerable chunk of a borrower's equity. At times, borrowers were encouraged to take all available equity at once, which in turn raised the total interest cost of the loan, since interest was being charged on the maximum amount from day one. check here called a Home Equity Conversion Mortgage (HECM), is a type of home equity loan for homeowners who are 62 or older. This type of loan allows homeowners to convert their house equity into cash without giving up ownership. The borrowers can choose how they want to receive the funds, in fixed monthly payments, as a lump sum, or as a line of credit. Equity Prime Mortgage LLC is a direct lender with branches around the country that are dedicated to bringing you access to the most diverse array of home lending products available in the industry. Unlike many lenders, Equity Prime is not limited to working with only one type of borrower, which means that people of all financial and credit profiles receive the same impressive cost-saving benefits. NMLS #21116. Licensed by the NJ Department of Banking & Insurance. Georgia Residential Mortgage License #23300. Regulated by the CO Division of Real Estate - AZ Banker License #0921685. Licensed by the Mississippi Department of Banking and Consumer Finance. Licensed by the Pennsylvania Department of Banking. Generally a home equity loan, a second mortgage, or a home equity line of credit (HELOC) have strict requirements for income and creditworthiness. Also, with other traditional loans the homeowner must still make monthly payments to repay the loans. A reverse mortgage generally has no credit score requirements and instead of making monthly mortgage payments, the homeowner receives cash from the lender.

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blog-optimisticcoffeestuden-blog · 6 years

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Okay. I'm gonna be getting my license in a few m onths (took driver's ed late) and I moved in with my grandparents this past summer when my family and I moved so I could stay in the general area/school and keep my job. So I live there Mon-Thur and Fri-Sunday I stay with my family. I was wondering, being thaf I'm a Junior in high school, am I able to be covered by my parents or grandparent's car insurance? I need some answers. Please & thank you!""

Should I tell my insurance company that my car was broken into?

My car was broken into last night, between the hours of 9:30pm, and 7am, just parked in front of the condo we live in. Some things of value were taken, ( estimated around $130, or $150 in value...no damage was done to the car, they must've just picked the locks) so I filed a police report this morning...is this something I should report to my car insurance provider? If so, how would filing a report with insurance help me? I'm 19, and have been driving for a little over two years now, my insurance is through AAA. I have had no previous driving offenses on my record, or anything. (This has never happened to me before, so pardon some irrelevent info, here!) before. Do you recommend I file a claim with AAA, or just let the police handle it entirely? When would I need to file a claim by? (like, a deadline, time-wise.)""

Insurance for new driver?

I'm 20 and just got my license. I don't really know much information about car insurance. I live with my parents and I use their cars. But in a couple of months, my older brother is sending his car to me, since he can't take it to Japan. Can I drive my parent's cars without myself being insured and use my parent's insurance? or Does my name need to be underneath theirs?""

What whole life insurance policy is best for a 24 year old?

I have a policy from New York Life, but 2 of my friends who are financial planners, say Mass Mutual would be better... there's a bunch of baloney I'm not understanding i.e. guaranteed benefits, crap about withdrawing money for retirement. Altogether, it doesn't seem like I am getting that much from death benefits with the amount I am putting in ($1K/year until pretty much I'm 65). I don't want to pay forever for this... where in my policy does it say when I can stop paying?""

""Selling Car, how to do a test drive with no insurance?""

I'm selling my car but it has no insurance or a plate. I live in Alberta, Canada. I know people would like to test drive the vehicle before buying it, is there a way to do this legally?""

Average docter visit cost in oradell nj w/o insurance?

does anyone know average docter visit cost in oradell nj w/o insurance?

What's some places to check for cheap auto insurance?

I realise that this is not a P&S question, but Cars & Transportation > Insurance & Registration is a deadbeat section. I probably should ask this in R&S since most of you are 12.""

Would it be the cheapest sports car?

I saw the 4 cheapes sports cars for insurance a mazda mx 5 and a pontiac solstice would they be the cheapest sports car for insurance for a 16 year old or what sports car would be the cheapest to insure for a teen I know for a teen with a sports car would not be cheap we have the money but what sports car would be the cheapes for a teen

Mitsubishi eclipse 2007 insurance problems?? :(((?

So I'm sixteen, and my dad said OK to the Eclipse 2007, and everything, but then theres the insurance problem. They said I cant get it without charging my dad and me a ton of money. I'm EXTREMELY attached to this car, basicly as much as lambo fans dream of getting a lambo, but probably even more, because I have a chance of owning this car eventually. I've planned everything, I got a job, I've got saved up for vertical doors, the hook ups, sound systems, everything. I have got to have this car, please, is there ANY way of getting my insurance to insure the Eclipse? I currently have State Farm, but my dad knows how much I LOVE this car, and how much it means to me, and is willing to switch insurances if they will insure me, but so far, none have please, are there any insurance companies that will insure the Eclipse to a 16 year old? or a way to get them to? Please and Thanks :(((((((( And again, I'm feeling so depressed right now, I have no idea what I'll do if I don't get it :(""

How much do you pay for a car insurance living in New York (brooklyn)?

Whats the cheapest way to get it? im 19 so my rate would be around 5 gran

Insuring a second vehicle?

My husband and I both have our own vehicles but have just purchased an old Land Rover for towing our trailer tent. We have been searching insurance companies online for a cheap quote but have been getting quotes for 1000+. We only want to use the vehicle occasionally & think this is a ridiculous amount of money to pay for insurance, (especially as the vehicle only cost us 600 to buy.) Can anyone recommend a company that provides insurance at a reasonable price for an occassional-use vehicle? Thank you""

Accident with no insurance?

Hi I got in an accident in linconwood with out any insurance but the accident was his fault and there's no police report and now his car insurance company is during me b.c they said it was my fault. Can somebody please help me out here

I changed my car and the insurance is so expensive?

Hello Everyone, Ive changed my car and I've bought Mazda RX8, the thing is my insurance does not insure these type of car, and they said send us the certificate and we will send you a 3 NCB. I've checked many sites such us moneysupermarket, confused.com etc. and they cheapest quote was 2200 per year. anyone knows how can i get a cheaper insurance for this car ? Thanks""

My girlfriends has insurance for her vehicle but if she drive my car will he be insured?

I just got a new car and i chose esurance for my provider and she has statefarm for her car. According to esurance every driver i add to my insurance with cost me $40 more a month. so my question is if she drive my car will she still be insured by her insurance or do i have to add her to mine?

How much would I pay for car insurance?

I am a male, 24 years old (turn 25 in july), student.... what is the cheapest car insurance you think I can get?""

Insurance Broker Question?

On average how much does an insurance broker make in california? Or how much just a well rounded guess nationwide it does not matter... When an insurance broker gets commision from a company for helping them get more customers...around how much percentage does he cut from the company?

Where is the best place to get an online car insurance quote?

Well, I just got a new car and need to get insurance. I was wondering what the best site is for insurance quotes and where I can get the cheapest insurance? Thank you in advance!""

I need some help!!? Car Insurance prediciton:?

Car accident question and if I need to report to insurance company?

Ok so here's the scene, I'm backing out of my driveway from my garage. My friend parked his car at the end of driveway (he was leaving but parked there to answer a phone call). My driveway is a downhill so when I backed I couldn't see his car there. Anyway, I backed into his car and caused a minor scatch. Unfortunately, his car is a new BMW and he needs to fix it. The police came and said it is under $1000 fix and it is up to us if we report to our insurance company or not. So now I am waiting him to get a estimate to fix. What do I need to do? I guess it is my full responsibility since I am moving and he is still. If the fix fee is under $1000, do I need to report to my insurance company? How much does the insurance usually increase due to this kind accident? thanks

Insurance quote!!!!!!!!?

abut how much will it cost to insure a 2002 suburban for a 16 yearold male in dallas texas with a 3.5 gpa

What does rated separately mean in auto insurance?

i am a 19 year old on my parents' insurance. do i share all of their benefits or am i rated separately?

Child support/car insurance?

Ok so I just got my liscense and I bought half my trck and my mom bought the other half. So is it right for my dad not to pay for my insurance? And does child support cover car insurance. . .plz just give me your opinion/facts on the whole ordeal.... Have not found job just turned 15..btw Thank you all

Can an auto insurance company suspend my license?

I was hit by a woman in a parking lot. In Texas where I live, certain parking lots are no fault zones if they are private property. I was in one of these no fault zones. I was uninsured at the time. She had Uninsured Motorist Protection as part of her insurance policy. I suffered no damages to my vehicle or person. She suffered $1500 worth of vehicular damage. Her insurance company paid for her damages. I was backing out of a parking space and she came flying around the corner and messed up the entire passenger door of her car on my rear bumper. Like I said I received no damage to my vehicle since I was the one barely moving. She called the police immediately after this minor accident took place. I was not cited on the ticket I received for any accident, only for no insurance. The officer informed me verbally that the accident was my fault only because she had the right of way but that there was nothing they could do about it because of the no fault zone policy. Anyway, now her insurance company is coming after me to collect payment of the $1500 they paid for her damages. I have not agreed to pay this amount because it was a no fault zone and I don't feel I should pay for it. She should not have been going that fast in a busy parking lot with a car full of kids. Although the unofficial technicality states that I was at fault, legally no one was at fault. Her insurance company is also threatening to have my license suspended if I do not pay the amount specified. I did not think that they, as a private company, had the power to have that happen. I've never been in this situation before and need an answer as to whether or not the insurance company can do that or if its just some kind of scare tactic to jolt me into paying but really has no merit behind it. Someone please help!""

Can i get my MOT done without insurance?

My car needs an MOT and right now its on a SORN because im waiting for my paycheck so I can get insurance, my question is as follows: i know that you need an MOT before you can insure your car but to get my car to its MOT I would have to have it insured? How does this work? can i drive to the garage without insurance and get away with it or is there some special policy I need to take out? Please help.""

How much would my insurance be?

Hi, I'm a 17 year old female and just passed my driving test. My parents are successful, therefore they're giving me their 2011 Ford Galaxy 2.3 Ghia with a supercharged fitted on it. I was wondering how much the insurance would be? Do they consider the speed of the car? Thanks.""

Insurance cost for an 87 Fiero?

I'm considering purchasing an 87 Fiero and I am wondering roughly what insurance costs are like with these cars? Is it high or low? Considering the body panels are made of plastic I would think it's not too expensive to replace.

CAR INSURANCE 17 YEAR OLD?

Hi im coming up 17 soon and am hoping I can pass my driving license. Anyway just wondering on how much a quote would be. Im a full time student looking for a 3rd party only, because im going to be buying a old car to start off, besides the car price how much would it roughly be. I was also considering getting a pass plus and getting a car from group 2 insurance. Any rough ideas on how much it will be? any experiences? btw I cant get on the same as my parents untill 21""

Car insurance without a license?

Hi! I'm going to get a used car next month. I've had my permit for over a year so that means I have to take the written test again. I'm planning on taking it this month, then getting the car next month, then a few months later taking the road test. I have to practice driving in the car that I'm gonna get so my question is, can I get insurance on the car without having a license yet? My parents don't drive, so I cant get on their insurance. So what do you think is the best thing for me to do and what would be the cheapest? Thanks in advance to anyone kind enough to answer my question.:D""

Insurance for first cars?

When I'm 18 an hopefully passed my test I want to get either a VW scirocco, a Peugeot RCZ or a Mazda mx5. But I've been told insurance companies will refuse to insure me because it's my first far so is this true or how much would it roughly cost Thanks""

""I live in CA and am about to drive to PA, but I have a lost license card which is also expired, am I insured?""

I lost my drivers license about a week ago, and was just sent a letter from my insurance company which said that it was expired anyway. I would just go get a new one but I am currently living in California and will be moving back to PA in about a week. My husband is in the military so I am allowed to have a out of state license, but I am afraid that because it is expired that my insurance (state farm) may not still cover me. I am driving across the country so I need to make sure I am insured?""

""Hello , I have a car in my wifes name ...but the car insurance is in my name can i get it licensed?

Can i get it licensed in kentucky ...while it is in her name? ..she doesn't drive ..i have the insurance on the car in my name..etc .

What is so evil and wrong about having affordable health insurance for all Americans?

Do the conservative Republicans know what it's like to be poor and struggle? Do they have any idea what it's like to be poor and not have much? All I hear from them is gloom and doom about Obama and the health care bill. If you all don't like what is going on here, then you can all just leave this great nation that Obama is the head of.""

""When people stop buying insurance because of cancellation and non affordable to renewal,will insurance co. go?

broke.

Is insurance needed with a permit?

Im 17 with my drivers permit. Do i need insurance or does the insurance that my parents who are driving with me have cover it? I live in California

Why is the insurance prices so high?

OK from what I have seen from my friends they have been getting car insurance for there cars for about 1000 a year, now when I check on gocompare.com the cheapest quote is around 7000, what is wrong I've only been searching a vauxhall corsa 1.2l. I don't see why it would be that much.""

Cavities before getting health insurance?

What are the rules with getting dental insurance. I am willing to pay monthly for it because I really need my teeth fixed. I heard you can't get any teeth fixed you had before the insurance and also you had to have the insurance for a certain amount of time before getting your teeth fixed. Who knows what the rules are about this?

How much will insurance cost me?

I'm 20 years old. clean driving record. the vehicle is a 1993 civic hatchback CX. also i would like to put full coverage on the car. i live in south east wisconsin and i will be the only one driving the car. if anyone can give me a rough estimate or a website that can give me an estimate but i don't have to fill out personal info that would be great thanks.

Please explain how universal life insurance works in details?

is it the same as variable insurance wherein you can increase or decrease your insurance coverage for the same premium or universal life have a fix premium for a given age and amount and if you want to increase your coverage, you just add a yearly term insurance?How do you increase its coverage? Will it affects the premium if you want additional coverage? I understand variable life insurance has a range of minimum to maximum coverages for a given premium, is it the same with universal life?please explain in details how the entire process works.""

How does car insurance really work for new drivers?

I passed my road test with flying colors last Friday, but my parents refuse to either get me a car, or allow me to drive theirs by myself. They quote insurance as the main problem - new drivers who are male and under 25 typically get insurance rates that are like 200% plus the normal rate. Now if that were the way it really worked for everyone, I wouldn't say anything, considering that I know it's not my car I'd be driving. However, I have plenty of friends who use their parents insurance, but don't pay a penny extra. I'm wondering how exactly that is done, because if my parents had their way, I'd be driving with them sitting in the side seat until the age of 25 - not happening.""

""No insurance fine, help!!?""

It was stupid and careless, but I went out, with an expired sticker on my car, as well as no insurance on my car either. My luck, I was pulled over and givin a $110 expired tickect fine, as well as a summons to court on the 12th of November. I was researching the Compulsary Auotomobile Insurance Act section 2(1)(a) and It has came to my Knowlege that when I attend the court date I'm looking at a $5000 -$25000 fine, I have currantly been laid off and if i did have a job, Istill can't afford that. Is there any way that it can be reduced due to income, any information would help, Im very scared, I have never broken any type of rule before and im already in debt. Also, how many demarite points could i lose due to the expired ticket and lack of car insurance. Please only mature answers. I know I was wrong so that info is not needed. thanks so much in advance""

California auto insurance???

back in may i was driving someone else's car someone backed out of the drive way and hit me minor damage on back bumper. i gave the insurance info of the owner of the car since i didnt have any and it was her fault didnt think it was that big of a deal to do that if it was not my fault i recorded my statement months back but now they want me to re record my statement they said they lost it so giving the insurance of someone else that was not driving is that illigal what kind of trouble can/could i get in to? IF ANY??

Car insurance--rates hiked after filing claim for hit & run?

do car insurance companies hike your rates if you file a claim for someone else doing hit & run damage to you? I've heard stories of car insurance companies doing that--even if ...show more

I am looking to get a new car. I am currently on moms insurance - please read below?

I am 26 and purchasing my first new car - I am currently on moms insurance. I will be getting my own insurance. Do you need proof the day you purchase of your OWN insurance - or is proof of my moms insurance enough until I get my own? Also, when you purchase a new car - can you drive off the lot the day that you purchase it? Thanks!""

I need some help!!? Car Insurance prediciton:?

Auto Insurance Question?

Hi all, I live in California and I got in a car accident yesterday. I found out today that the insurance company suspended our insurance due to a late payment so we most likely had no coverage at the time of the accident. What are my options at this point?? The accident was not my fault and the other driver was arrested for felony DUI and they had insurance. What are my options?? Thanks in advance!""

Young male car insurance uk. HELP!?!?!?

im 16 and turning 17 in the next couple of months I'm a boy. and I've had a few quotes from people but there way to expensive! granted its always going to be higher for me being a young driver i just want to know what the cheapest place to get insurance from is? the car is a 1.3 diesel or can be petrol haven't bought the car yet. please help UK ONLY!!!!!!!!!!!

How do insurance companies calculate insurance?

I went on to a price comparison site to check car insurance. For the car I wanted the price was great 320 for 1 year inc breakdown cover. (Insurance group 14). It got me thinking if I got a car in a lower insurance group what the price difference would be. So I entered the exact same details apart from a car in insurance group 2. The cheapest quote was 318 (only 2 cheaper than group 14) Surely the price should have been a lot cheaper than a measly 2??

Can I buy salvage cars from insurance auctions and then resell them as-is using a seller permit in California?

I want to know if is legal to use my sellers permit to buy totaled cars or salvaged cars at auction to the resell them (as is) in ebay. would i need a dealer license if I selling more than 5 a year?

Texas Insurance Question.?

My parents always freak out when I have to drive their car because mine is in the shop. We have different insurances and I am not on theirs. If a cop stops me will he take their car because my name is not on their insurance. This is my parents worry and I am also not really sure. This is in Texas of course.

""I have just got my provisional licence,and want to be put on my mums insurance.?""

Hi All, I have just received my provisional driving licence, and want to be put on my mums insurance. Of the people who have done this, could you let me know roughly how much it will cost, and can I pay in installments. The cheapest quote I have had is 72.50 , but it seems I would have to pay that all in one go, which I can't really afford to do at the moment. Does anyone know anywhere cheaper where I could pay in installments. Thanks Guys""

Can I add a person to my insurance if i dont own the car?

Okay, my live in boyfriend just got a car and is leasing it through an auto dealer, and making payments. The car is in his name. I would like to know if he can be added to my insurance policy? Does the car have to be in my name to be on my insurance policy?""

Car rental insurance necessary?

I don't own a car (so I don't have my own car insurance). I am going to a small town in Upstate New York for a couple of days. Do I need to buy the car rental insurance? It is obscenely expensive (usually close to the price of the car itself).

Insurance coverage for home birth?

I know some insurance companies will cover home birth as an out of network cost which mine will as well but I have a high deductible so that's pointless. I was looking for a back up insurance that will cover home birth. I have had no luck locating one. Does anyone know of one or small insurance company that does? I am in AZ. Thanks!

Young male car insurance uk. HELP!?!?!?

""In NJ, Can you get a driver's lincense but not have car insurance or a car/drive? TEN POINTSS?""

I'm 18 years old, female. I've always wanted my driver's license. I have my permit that now expired. My parents won't let me get it because they don't want me to get into an accident and because they said insurance is sooo HIGH! Is it possible to pass my driver license test and not be on an insurance policy and not drive any car? Not drive at all, just own the license. I have a job and would get my own policy, but it would just be even more expensive!""

Holiday Insurance for the terminally ill?

Does anyone know if it is possible to get this and roughly how much it would be? Many thanks.

Will my insurance go up?

will my insurance go up if i got a speeding ticket. i just got a speeding ticket almost doing 20 miles over the speed limit so i am worrying if it will effect my insurance or not and i have two accidents on it too. should i do the class or pay the ticket off?

How can I get cheap car insurance as an 18 year old in the SE UK?

I can't seem to get anything less than 3000

""Which is better for car insurance, Go Compare or Confused.com?""

Which is better for car insurance, Go Compare or Confused.com?""

Who can get your insurance. how much does it cost.?

what is the age limit that can get your insurance. are there any limitations to getting this insurance.

What is an annuity insurance?

How much is your car insurance a month?

What kind of car do you have? What car insurance company are you with?

What does depreciation cost mean when it comes to home insurance?

filed a claim to replace my floors.getting a check in 5-7 business days.it says i have 180 days to replace the floors,to cover depriciation cost.what does that mean exactly?""

When will my car insurance rates go down?

I pay 135 dollars a month for car insurance, because of a multitude of reasons. I am 22, got a speeding ticket when I was 19 along with a ticket for no insurance (I had it but couldn't find it). I have had my license suspended twice due to unpaid fix it tickets. I have progressive, if that helps. I was wondering when I can expect my monthly rates to decrease. This is a lot of money for 6-month coverage.""

What is the best medical insurance for unemployed or self employed?

Has anyone used Cover Me Insurance Agency to buy Truck Insurance?

I'm a truck driver in need of truck insurance and filled out their quote form online at http://www.covermeinsurance.com/quote.html but have not heard back from them. I called them about 3am to leave a message but they don't even have a way to leave a message. I was wondering if anyone has had any experience with this truck insurance agency.

Where is the best (and affordable) place to get Adult Braces in Chicago?

I need adult braces or something. I literally have fangs and a chipped tooth (yea its bad). I need to find a good dentist or orthodontist. Where is the best place in Chicago that is affordable or work with you for financing/payment plans?

Car mods and insurance premiums?

Hi, I'll give quite a bit of background first. I'm an 18 year old guy and I've been driving a 1.2 clio for about a year and a half now. Paying 1600 (CHEAP & completely clean license) my next insurance premium is around the 600 mark. I'd like to upgrade my car to either a 1.6-2.0L MK2 or a MK4 golf,(1100-ish annually) BUT I'd like to make modifications to it. Body rather then performance. Does it make a difference in the premium inevitably raising if I first insure the car, drive for a few months THEN modify and contact insurance, rather then, buying, modifying and insuring it before I've driven it? Hopefully that makes sense to anyone reading it. Thanks.""

Free Auto Insurance Quotes At What Website?

I have been looking for a site that gives Free Auto Insurance Quotes, everywhere I have found wants to charge me or run my credit. Can anyone help me? All I want is a Free Auto Insurance Quote is that to hard to find?""

I need some help!!? Car Insurance prediciton:?

How much would insurance cost on a 125cc Skyjet?

Looking to buy a 125cc and want to know how much it would be to tax it, MOT it and insure it. Almost 17 and just want a brief idea about how to do it and what to expect.""

Im looking for car insurance?

coverage for individuals who are less able to afford auto insurance

Maternity insurance coverage?

I have been searching for insurance coverage for weeks now and I can't find a single plan that includes maternity coverage (not even the hospital stay for the birth) I live in colorado and I am currently not pregnant and I currently don't have insurance. I just want to be covered because i'm a healthy 22 year old married woman and you never know what will happen. does anyone have insurance that covered their pregnancy? what are my options? what did you do?

Insurance companys are evil?

So my dad is a very involved liberal democrat. We both really like obama (for the most part) and we've been invited to some protest down in Washington DC about how insurance companys are evil and need to change the way they do things. Which i'm excited about, i've never been to washington and it sounds fun. But the problem is.. i dont know very much about how insurance even works. I'm only eighteen, i've never had to deal with it before. I know a little, but since i'm young, its mostly just from the daily show. which is a crappy way to base any opinions i have off of. I'm more informed than most 18 year olds, but i'd still like to know more, if i end up going to this thing. So, can anyone explain to me why they're evil and what needs to change? Id ask my dad but he never shuts up once you get him started..""

17 years old how to get cheap car insurance?

I found a car i had my lieance for 3 months, the insurance is for 2400 how can i get cheaper insurance the insurance will be on my name or if i put it on my dad name how would i be able to drive the car.""

Affordable health insurance?

I am a married woman and am looking for health insurance just for myself. My husband does not want to get it for both of us just yet. I get birth control every month and I have contacts, so I would like affordable health insurance that would include vision and lower my yearly visit to the gynecologist. It should also be good for the possibility of my birth control failing and I get pregnant. I live in Alabama. Do you have any ideas? I'd like it to be under $100 a month.""

How much is insurance for a 16 years old camry 1997 yahoo?

i live in california, and we have 4 drivers in my family and we pay 700, 1 way, how much will i pay im 16 and i will be getting a camry 1997""

Car trade in value change after accident?

Can somebody generally tell me that how much car trade in value decreased after a accident (2003 Jeep Liberty Limited, good mileages, the car is repairable)? and how to negotiate with Insurance on this?""

Why is car insurance mandatory but not health insurance?

Say you have mandatory car insurance but not health insurance and you get in a car accident and get injured; your mandatory car insurance covers your car but what about you?

Who is the best and most affordable company to go through for homeowners insurance ?

How to get cheap car insurance?

im 17, my mates have got theres for just over a thousand pounds, but all my quotes are 3 thousand plus, how can i make it cheaper? like by putting my mum as a driver or?""

I have full coverage auto insurance and i am wondering what happens if my car breaks outside of an accident?

my cars been acting up lately and i think the front end my go out soon and i was wondering if my auto insurance will pay for me to get it fixed

Fake insurance??

Hello my friend want to register his car under fake insurance. He wonder wat will happen if he go register it with that fake insurance?

What dental insurance is affordable for individuals in Western New York?

I'm 24 and my job does not offer dental insurance. I m in a wedding in two months and need a cap put on a front tooth so I'm looking for insurance now. I'm having trouble finding a good insurance company for individuals that fits my needs and doesn't have a waiting period. Anyone have any suggestions as which way to go and what is ideal for a single woman my age? Thanks so much!

""Generally speaking, what's the cheapest auto insurance you could get?""

Generally speaking, what's the cheapest auto insurance you could get?""

What cars usually have the lowest insurance rates?

I do not have the greatest driving record and am in the market for a car. I also do not have a huge budget (looking to stay under $10,000). I want something newer than 2000 and do not want very high insurance rates. Any ideas?""

Will a new insurance company looking into rates know of a ticket which hasn't been sent in guilty or not yet?

I recently got a ticket for failing to drive in the correct lane, but I haven't sent it in guilty or not guilty yet. And now I am looking into car insurance rates. Will the insurance company know I got the ticket?""

Insurance cost for teens?

What is the average insurance cost for teens?

What kind of insurance will cover rhinoplasty pertaining to broken nose?

My nose broke and now I have what the doctor told is called Saddle Nose. He said there is no rush, but I have some difficulty breathing and it is somewhat deformed. I have University of California health insurance, will this help? How should I get this procedure done for the most inexpensive cost? Any insurance experts?""

Fast cars low insurance group?

Im looking for a car with a budget of around 2000. It needs to be below insurance group 10 and the hitch is i would like the 0-60 time to be less than 9 seconds. Any help would be appreciated!

Speeding ticket in D.C. (4 points) affecting Virginia driving record and insurance rate?

I received a speeding ticket (42 in a 25-mile/hour non-school zone; 4 points according to the D.C. DMV website) a week ago. I'm licensed in Virginia. I assume D.C. will notify the Virginia DMV and will trasfer the four negative points to my driving record. I haven't had a ticket since 2003 and currently have five positive points on my record. It is the maximum number of positive points allowed in Virginia. QUESTION 1: Will my State Farm insurance policy go up? Even if not, I will take a safe driver course to offset the four negative points. QUESTION 2: Do I want to wait until the four negative points post on my driving record before I take the course? Thank you in advance for taking the time to reply.""

Car insurance how much am I going to pay for this?>?

Im wanting to buy a jeep, 200 jeep grand Cherokee its 4X4 and $3999. Its Black with leather seats. Very nice jeep. Id like to get it. Ive had my jeep in my boyfriends, stepdads Garage for almost a Year. They keep putting me off and I just Want to get my own thing. Im tired of borrowing there cars. The jeep I had thats in there shop is an old 1990 cherokee. and its was under my boyfreinds insurance All state. He says its expensive to get my own. I see quotes all over the place. Ive never been in a wreck nor have ever got a speeding ticket. Im responisbile have my own job. Im 23. Every time I bring up the fact that I want to just go to the dealership to get a car. He says Ill pay Alot becuase its a jeep and since its not all paid off I will be paying Alot. Im thinking about getting a loan. Ive got 700 in the bank right now. I dont have any lines of credit. I really need to know how much insurance for Good insurance will it be. I have no clue what anything is with insurance policys or what. Just clue me in. PLease. thanks""

Are insurance companies allowed to take skin colour into consideration when working out a cost?

If it is found that black people make more claims can the use this

Question about car insurance/registration in Connecticut?

I live in Connecticut, and I just got a car. I am only 17 so the car cannot go in my name because I am not 18. My dad bought the car, but I live with my mom (my parents are divorced), and my license says my mom's address. Is there any way for me to have to car garaged at my mom's house but it be in my dad's name/can I go on my dad's insurance? Reminder: this is for Connecticut!!! I really can't find this information online anywhere, so if anyone knows the answer/ has had this problem please let me know! Thanks!!!!!!""

How will my car insurance change now that i am married?

Hi, I just got married. I am 30 and she is 23. I pay about $76 a month on my car , she pays about $125 and both are full coverage. Mine is with Geico and hers is with some other company. I will get a quote in a few days, but I was just interested, as to what our insurance rate will be when we combine, probably with Geico. Is hers going to make it very high or what can I expect. Thanks.""

I need some help!!? Car Insurance prediciton:?

https://www.linkedin.com/pulse/normal-dealer-ask-me-put-car-my-insurance-before-i-purchase-rosenda"

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