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prudential life insurance

"prudential life insurance

prudential life insurance

BEST ANSWER: Try this site where you can compare quotes: : http://insureinfo.xyz/index.html?src=tumblr

RELATED QUESTIONS:

My grandma says TEENAGERS arent covered on her car insurance. Is this possible?

i want to drive her car cause im 16 and just got my temps a couple weeks ago and all she keeps saying is that her insurance only covers people 21 and older. i totally think shes lying! cant anyone drive the car? the insurance is already one the CAR, not the person, so shouldnt the insurance cover the car regaurdless on who's driving??""

How long do you have to have SR22 insurance? It's really expensive and my case was settled over 2 yrs ago.

Should my wife and I have to pay for your health insurance?

With my royalty checks, my wife's salary and bonus package (she is a Pharm D and a senior Vp at a large nationwide pharmacy retailer) we earn more than 250K a year and are considered Rich by Obama standards .We just paid off our student loans a couple of years ago. We live in a house well within our means, we have three children who we would like to put through University without them incurring debt like we had to. We save, have to drive older models cars and we have a very good but expensive health care plan. Basically we just made it we are in our mid forties. I mean I just got the breaks in my career that I have worked hard through lean years for. My wife was promoted two years ago. Why should we have to pay higher premiums in a national health system for the same coverage of someone else? Why would we be taxed more for earning more? We lived within our means, we don't carry credit card debt, w live in a 2700 sq ft house ( not huge by any standards). If we have to pay even higher taxes and even higher insurance premiums, then we will have to wait to retire three extra years ( or more) Why do we get punished for being industrious?""

Is it possible to get car insurance in new york? sign the contract but not available?

I just bought a used car, and insure that car though an agency, they told me my insurance will be available at 0:00 next day. However, unfortunately, I involved in a car accident 2 hours later after I sign the contract. Is it possible for me to get insurance? What should I do? Is there anybody who can help me?""

Can your car be towed if you have no insurance?

Can your car be towed if you do not have insurance on your car? I was in an accident where the other car did not have insurance on the car that was not his. The police gave us a ticket, which it was our fault, I'm not denying that, but the police drove off not having the car towed . It kinda makes me wonder if the cop let them go with no ticket or anything.""

What company would provide shipping insurance?

I want to sell some jewellery on Ebay and I will end up shipping it to Canada or US. Canada post offers a maximum insurance of $500. Which (if any) company would provide insurance at replacement value? Or at least a $1,000?""

Can you recommend a really inexpensive but still decent car insurance company?

I'm a student on a budget in difficult economic times. I'm Looking for affordable auto insurance in Chicago.

Best time to buy car insurance renewal?

my car insurance runs out on the 28th of this month and i'm planning to change companies. when is the best time to buy it (going to pay it off in full), now to start on the 28th or closer to the time like the week before to start on the 28th? is there any difference in price?""

All options for affordable birth control of any kind?

Here's my problem. My dads insurance company (I'm a student, and did qualify for insurance last year through my job so he kept me on his since I'm 19) doesn't cover ...show more""

Would a warrant for a no insurance ticket affect me in california from minnesota?

Can i canel my ex-partners car insurance?

A month before we split up my ex but a whole years car insurance on my credit card. Now we are apart, and i have asked her to get a credit to refund as i dont drive and dont have the means to pay for this? Am i being unreasonable, she has said as we were together it is irrelevant, but as i havent paid for it yet and its essentially a pre-payment what should i do? It was made in my name (the payment) so can i simply unmake it?""

What do license pts mean for my insurance?

I got pulled over for speeding. However, the cop bumped down my ticket to disobeying traffic control device. I'm getting 2 points on my license. I'm 22 yrs. old and under my dad's insurance. Will the insurance rates be going up? (Also, I'm planning on taking the defense driving class to erase the 2 pts from license. If so, does my insurance still go up?) Please tell me of your situations....thanks!""

Can my father get iterm insurance ?.?

My father's DOB is 2 May 1947. he is retired from Gov job. i want to have a insurance in name of him bcoz i have two sister dependent on him . so can i get or can he get iterm plan for 20 laks for 20 years.

Wow does anybody else have insurance this cheap?!?!?!?!?

I just bought a2005 Suzuki GSXR 600 Sportbike ( high powered). I got my insurance and They quted me $7.65 every 6 months for liability and 75.68 for fukll coverage, which I got. I know some people that are paying 800.00 every six months for this bike. I have been with the company (State Farm) since I was 16 and have nothing on my record. I am 25 now. Anybody getting this good of a deal???""

Auto insurance question in Michigan?

i am making monthly payments on a brand new 2008 colbot that i got in dec 2007. I have shopped around for cheaper full coverage auto insurance, that what i already have. I can't seem to find no car insurance cheaper than what i have. My car insurance is more than my car payment. I have talked to a few insurance companies and we went over different things that could make it cheaper. But, they can't beat the price that i already have. My credit isn't the best, but shouldn't a car payment be more than insurance? Anyone have any ideas where and how i could get a cheaper car insurance policy?""

Is there ANY way to get birth control without insurance and not have to spend an arm and leg?

I'm 20 and covered by my parents' insurance-i'm a student and part-time server and do not get benefits or insurance through school. My parents however do not want to ...show more

How much will my insurance be?

I found a 1999 Mitsubishi Eclipse and im concerned about the insurance since im 16. sport cars= more expensive. Lets say if a Crown Vic was $130 a month, how much would a sports car be? I will also be on my parents insurance witch there is three cars already on there insurance so the cost will go down some i believe. If i maintain a B- or higher grade for school my insurance will go down an additional 10%.""

What is auto insurance?

what is auto insurance? and.. Auto Insurance Homeowners Insurance Health Insurance Renters Insurance Life Insurance can someone explain these to me?

Do you get cheaper insurance for older cars or new cars?

""How to apply for Louisiana Children's Health Insurance Program, LACHIP?""

Are you looking for a low cost health insurance program for your children? Do you live in Louisiana? Well, I just recently found a program called LACHIP that offers affordable healthcare coverage for children. Step1 I'm a stay at home mom, and for awhile my child was getting sick all the time. Our insurance was good but, it didn't cover everything. Then suddenly, my boss told me that she was cutting my hours. I frantically started seeking healthcare insurance that was affordable but, would cover everything we needed. That's when I found a program called LACHIP. Basically, LACHIP is a no-cost or low-cost medicaid health insurance program for children. Step2 First thing, you need to find out if you qualify for the program. The program is basic on income. To find out the income guidelines, contact your medicaid office. They will also give you an application to fill out. To find out your medicaid office contact information, go to: http://www.dhh.state.la.us/offices/contacts.asp?ID=119 Step3 Finally, when you get the application in the mail, fill it out and return it back to the office. Now when I filled mine out, I did not have to put a stamp on the envelope because it was already pre-paid. Then within about a week, someone from the medicaid office will call you and tell you if you are approved or not. If you are approved, then you will receive a medicaid card in the mail for your child(ren) within 6 weeks. Once you receive it, you use the card anywhere medicaid is accepted. Also, don't forget to ask your medicaid representative to include a list of things that medicaid covers. For more how to articles, please visit http://www.ehow.com/members/kleighwickham.html?view=3rd""

Car insurance too expensive. Help. Urgent?

So basically. Im an 18 year old male. I passed my driving test in june 2013. My car insurance is too high. Now normally i wouldnt care but the reason i am asking this question is because. Where i live the nearest shop is 30 mins away walking. My family need someone to do the shopping as we cannot keep going back and forth everyday. We basically starve some days as sufficient food is too heavy to carry. My father is very sick and has been for 2 years. Because the hospital is so far away he barely is able to go to his appointments. And finally i use the train to get to my university which im fine with but i get bullied everyday physically on the train. I am too scared to report this to anyone. Now im not someone who would mess about in my car or speed etc. I am a very safe driver. My cheapest quote was on a Daewoo Matiz and the quote was 6000!! So i cleary cannot afford that. I have looked into the black box scheme but most insurers wont provide that service in my area. So my question is does anyone know of any insurance companies who do specialise in giving cheaper quotes. Or any cars that tend to be cheaper to insure. Or even any tricks that may help bring down the price. Please dont answer with stuff like you dont need a car or get a black box. I am litterally fed up and feel like a failure. I dont know what to do. I even slit my wrists now as it is toi much to bare. Also i cant go one anyones insurance as i dont have anyone to ask and my dad cant drive due to his illnes

How much would it cost to insure a Dodge Stealth?

I was looking at Dodge Stealths but I am afraid it would cost to much money to insure being I am 17. I'm not talking about the Twin turbo version, I mean the base (which has about 125hp), the ES (about 222hp), or the R/T(same as ES but also has a turbo charger). The car weighs about 2500lbs i believe (if that even matters), also I would not be getting any upgraded body kits for it. Please don't just say a lot or something to that extent. Thank you for your time.""

Saving up car + insurance HELP !?

My partner is having driving tests every week, and she is a more advanced driver. I just like to get advice on this matter, financial ? I do got a job, part time mainly. I do earn around 180 +- a week if I am lucky, She has student loan, 800 every three months and that's not much since she has to pay university fees. normally around 9k. now it's around 4.5 thousand pounds I guess. She wants to get a car insurance and a car, we are troubled what to do since if she wants all of that it will be loads more. Since insurance is 600 pounds every year ? petrol and other costs MOT. Road tax ? Just some examples, there might be lots more to worry about. I will help her to get all these things, She thinks it would be easier to get a second hand car, that will hopefully handle 2/3 years ? I do not believe that's a wise choice since that would be much more expensive for extra costs and repairs. On top when she is done with Uni and she has to get a job, it's more sufficient to still owning a proper car to get you everywhere. The body could be damaged, and the chance of a accident is higher + extra costs. Can anybody help us out ? A second hand for 2/3 thousand with a insurance of 600 a year ? or not ? Lemme know ! Thank you !""

Medical insurance help!!!!!?

Ok so I'm 20 and my insurance is or was IEHP. I am married now and I want to know if this still covers me. I want to go to the clinic and get checked up and get birthcontrol but I'm not sure if its going to cover me. My husband does not have medical insurance either. Can anyone please help!?? :(

Best insurance companies for 17 year old passed my test!!?

ok ive pased my test a month on friday and i gettin a car this week and i need some insurance on the car obviiously lol, well basically whats the cheapest car insurance all you 17 year old have and who is it with, please :)""

prudential life insurance

What kind of health insurance is out there for someone in their 50s in California with no or low income?

My mom doesn't have a job, but needs health insurance. I can pay it for her, but is there health insurance with decent coverage that is particularly for people with no income or low income?""

How much would a insurance be?

how much would insurance be on a 1993 or 1994 mazda rx7? im really wanting this car and im hoping that it wont be to expensive

My friend needs to fake his death for insurance money?

any tips ?

How much would insurance usually raise adding a minor on it?

""Im looking for car insurance in washington im 22m and im student and this is my first insurance,how much isit?""

Im looking for car insurance in washington im 22m and im student and this is my first insurance,how much isit?""

How much would the insurance be on this car?

A ford ka 2001 around 56,000 miles and I am a new driver 17""

Car Insurance Question?

I am filling out paperwork for an insurance quote. I wanted to know if the lock/unlock/panicbutton key lock device considered an anti theft device? I would also appreciate if any one could recommend any car insurance agencies. Thank you.

Question about car insurance?

if insurers are allowed to stereotype that all males are aggresive drivers and as a result should be charged more, why do asians not have higher premiums too? hasent it been proven that driving below the speed limit is just as dangerous as speeding? i did a quote for a car im looking to buy, and insurance would be about $6000 a year for me (17 year old male), for my girlfriend it would only be $3000. i think thats pathetic! not all male drivers are bad, sure a lot are, but alot of asians are horrible drivers!""

How much does motorcycle insurance cost???

im 20 with a 02 gsxr 600 in NJ

Whats the average cost to insure a car through personal business insurance?

I am a carer and I need to insure my car through personal business insurance does anybody have any idea how much it would cost for a 1.2 punto to be insured?

Who has the best dental insurance?

i need private personal good coverage in colorado

Has anyone sign up for the Affordable Health insurance?

There are all these news about too much traffic to the site, but has anyone actually signed up for health insurance through healthcare.gov?""

Car insurance help I want to know the price?

I want to get a car but the only thing holding me back is the cost of insurance. I'm 18 and with the good student discount my dad pays $300 a month for my 02 Nissan sentra. It's under my dads name. If anybody knows abt how much it wud cost for insurance for the listed cars below that wud help me out soo much!! Thanx in advance! 06 lancer evo Mazda 3 (hatchback) scion xb 05 or 09 wud a stick shift make a difference in price?

To restart car insurance they want money down?

I was paying $140 a month for 6 months of car insurance. Around the 6 month mark or a little before i said i want to cancel and they said if i cancel today i wouldnt owe anything and my policy be good until 6-22-2011 (i called in may). I tried to restart the policy today and they want $290.04 down,which includes $143.68 for any previous balance and/or any state-mandated fees or charges* If there was a previous balance why did i not owe anything???""

Trouble getting auto insurance Florida?

Do you think teen drivers are the only ones with trouble getting cheap car insurance?

There was mature man who was very successful in business. I think he was 35 or 40. He finally got his new drivers license and decided to buy a $90,000 car. He bought it for cash, to save on interest on the loan. When he tried to get insurance it was $10,000 a year for liability and collision insurance. He asked if he could return the car, but since it was no longer 'brand new' he would loose $10,000. If he kept it the insurance would be $30,000 for the first 3 years! He kept it.... too bad he didn't know anything about insurance before he bought it! He should have had a cheap car in his name with just liability insurance, for 3 years before he went out and bought his dream car. This would have created insurance history . That together with his over 25 years old status would have cut insurance expenses way way, down.""

Insurance question?

Is there any possible way to lower my insurance. I'm 19 years old and insurance is 8000$ per year ( NYC ) . So now i have a problem not with a car but how to lower my damn Insurance. Thank you and Take care.

Ques about auto ins and traffic school in Los Angeles

I just got a ticket for a California Roll..(not complete stop at stop sign)...To do Traffic school it's gonna cost me around $130-$140 dollars...Would it just be cheaper or the same amount of money if I just don't go to traffic school and let my auto ins go up a lil. By how much is my insurance really gonna go up for that, especially when my driving record is otherwise fantastic.""

Who offeres the best home insurance?

Does raising your car insurance's deductible really save you money ?

* Does raising deductible on car insurance really save money ?? * Is it worth it and * How much money would you save if you raise your car's deductible from 500 to 1000 dollars Any information would greatly be appreciated....Thanks :)

Who is the cheapest auto insurance carrier in FL?

Where can I find cheap motorcycle insurance?

I recently bought a Honda CBR600F4I and am looking for inexpensive insurance. Any help would be greatly appreciated.

Can i get motorcycle insurance without a license?

i live in massachusetts and was wondering if i could get insurance without having a motorcycle or car license all i have is a permit but i do not know if i can get insurance thanks

How does a speeding ticket affect insurance costs?

My parents own the car that I drive and cover insurance fees (I pay for gas/oil/maintenance). I got a speeding ticket today for $156 for going 52 in a 35 zone (if that price is legitimate and fair in CT, I'm not sure), but I'm curious as to how that will affect insurance costs? Anyone with knowledge in the area, your responses are much appreciated.""

Violations that show up on insurance quotes in nj?

About 2 years ago i got a ticket for not stopping at a stop sign. I went to court and they knocked it down to something so i wouldn't get any point and just pay a fine. I don't remember what they knocked it down to. But why is it still a concern on my auto insurance. I didn't get any points so should it matter?

prudential life insurance

Will this affect my car insurance rates?

Once, several years ago I had given the information to the other person but had not heard from anyone several days later, so I called my insurance... sadly (my bad) I did not get the other persons information so I was told not to worry about it until the other person reported it... that never happened... what happens here????..""

How does auto insurance work?

If you are in an accident and its not your fault ,who pays for your damages? Also what happens if you parents lend you there car but you werent on there insurance and now after the accident you are on the insurance. Can the insurance cover you now that you have been add to your parents insurance.""

""How much a month will insurance be on a 2003 Nissan 350z with a 19 year old driver, (2 yrs exp)?""

How much a month will insurance be on a 2003 Nissan 350z with a 19 year old driver, (2 yrs exp)?""

""I am considering buying home and car insurance with Allstate but , should I?""

I have been told that it is not a wise idea to keep my home and car insurance together, even if I get a discount. Can anyone tell me why, please?! Thank you!!""

""I will turn 64 in March, I am a widow, how can I get affordable health insurance?

Dental and Vision most important No current health concerns

What is a good place to get insurance for my Dell laptop?

I am studying abroad for 5 weeks and would like an affordable insurance plan for my laptop.

About how much will insurance cost on a 2011 Aprilia RSV 1000 factory?

Have a squeaky clean driving record

What insurance group?

I'm interested in the Mazda RX8 but would like to know the insurance group without having to go for a quote. I'm not looking at a specific car just love the cars and am interested.

If I look for car insurance at the end of the year or month will I save money?

I've heard that if I insure a car at then end of the month or year I should save some money as the insurance companies want to meet there targets. How much am I looking to save if I they give me a deal?

Buying a car in NJ from a Private seller but want Georgia Insurance?

I have a Georgia License and am currently away at College in New Jersey (My family has a house here and in Georgia). I want to buy my first car, but insurance in NJ is extremely expensive. How do I get Georgia insurance, Registration, and my Georgia address to show on the vehicle Title? When I purchase the car from the private seller, how will I be able to get my car home with no plates?? Is there a way to get temporary plates in New Jersey and Temporary Registration? Will I need to get a New Jersey License? HELP !!! Can someone give me a step by step walkthrough of what I have to do to get the Georgia Insurance? Thank you !""

How much do you pay for motorcycle insurance?

I would like to know how much you pay for motorcycle insurance. If you could, in your answer, please state how much you pay, how old you are, and what size you bike is. Also say if it is a crotch rocket a cruiser....etc. I am seventeen and wondering what a roundabout insurance quote would be for me.""

Recommended Auto Insurance Coverage?

I'm just about to have to buy auto insurance for myself for the first time, and I have no idea what all of the different terms and numbers mean. What is the most commonly recommended auto insurance coverage?""

I want to get an insurance quote and i have a DUI?

I need to get an insurance quote but i have a DUI (reduced to a reckless driving) i have a terrible driving record I was born Nov.12 1989 do you think that would make my insurance quotes higher?

What exactly is affordable health care premium?

To me that means everyone pays $100.00 per month Is that what it means?

Are classic cars cheap to insure?

for example all cars older then 1990: trans am and camaro's older then cadillac eldorado's older then rolls royce silver shadow chevy belair dodge charger chevrolet suburban mercedes 500sel mercedes 500sl and other american and classic european cars

Car insurance at parents address or rented?

I am currently down on a rental property contract at my boyfriends rented house, however he is the head tenant and I am down as being at the property, I still live with my parents and am there half of the time and my drivers license, finance info, bank statements and everything else go there, however I am not sure if I am registered at my parents and boyfriends, which I assume I am because my mum still puts me down on the electoral poll. I plan to use my parents address as my registered address however it asks where the car will be kept overnight, and there is not one set place, if I use my parents the insurance is cheaper and if I use my boyfriends it's 100pound more. Can anyone advise me on what address to do? As I am at both addresses different times of the week. Thanks""

Why has the cost of Car insurance suddenly shot up?

Got my renewal quote today, car insurance has risen by over 250 extra, I phoned around and the companies are saying that the quotes have just gone up without explanation. Is this just sheer exploitation and profiteering?, in this time of recession how can they seriously do this and ask for such things hand over fist.? Rip of Britain indeed. Is there an insurance regulator people can go to to get an opinion on it?""

""Using friend's home address for car insurance, does that effect his taxes or his personal car insurance?""

Its plain and simple and I know its insurance fraud if I were to use a different address but I have no choice since I'm under 25 and the area(Toronto, Canada) I live in has skyrocketing auto insurance premiums for tweens especially when you're a male. So No other choice left. I'd like to know if there's any legal liabilities on my friend if I use his address ?? Also I'd like to know if it effects his personal auto insurance premium. Please help me drive my car with the peace of mind of being covered by insurance. Thank you.""

16 year old car insurance?

im about to buy a 1997 honda civic ex and i was wondering what my car insurance might be if it helps im a guy in florida and im 16 thanks

""I'm traveling for a month, do I need car insurance?""

I'm going to be traveling for a month, during which nobody will use my car. My insurance expires right before the month starts, and I want to switch providers after that, but is there any good reason to continue paying insurance for that month at full rate when nobody's even going to touch the car? Or, is there another way I can save money?""

Insurance for mitsoubishi rvr import?

Am trying to find an insurance company who will give me a good insurance price on the above car.It is a 4 door,4x4,petrol automatic,1994 grey import.My present company charging the earth because they say it is group19 sports car.Is down on the reg document as an estate!""

Car insurance: Hybrid or conventional?

For a vehicle that is available in hybrid HEV and conventional drive train, which one costs more in vehicle insurance? and what is the difference?""

What is the *cheapest* car insurance for a 20 year old female driver in TX?

I'm going to pay. I don't have any close family that can put me under their insurance, so please give me the CHEAPEST choice... Thank you.""

Why do health insurance companies care what type of doctor you see?

My health insurance is awful. It doesn't cover anything I need and I wonder why they'll offer so much to pay for one type of specialist, but none for another type. If they are willing to pay the money for one type of care, why does it matter if you want a different type of care, worth the same amount. Why does it matter what care you're getting? If you're sick, and need help, isn't that what insurance is for? Right now I need to see two doctors to treat bipolar disorder, but it's not covered at all. But if I see a doctor about my physical health, they'll pay 80%. My physical health is fine, all I need is payment for mental health therapy and medication. They don't pay for mental health medicine either. I've had the same insurance for many years before having this issue. I never actually used it, and now that I need it doesn't help me at all.""

Who is offering the best and cheapest car insurance in the uk?

I am finding the ever increasing price of car insurance is becoming a bit of a burden. I am at present with one of the recovery companies and the costs are spiralling.....Help an old geezer out...PLEASE....Frederick.

prudential life insurance

Car insurance question on a 2002 pontiac firebird?

so i might possibly be getting a 2002 pontiac firebird convertible. im a 17 year old female and it would be my first car. im going under my moms insurance because it will be cheaper. but being that is it a sports car does anyone know a round about on how much insurance would be? 10 points =)

Do I need to be on the insurance to go to and from school in my friends car?

I am 16 years old and I have my drivers permit, is it legal to drive myself and my sister to and from school in my friends car without being on the insurance policy? its my friends dad car and I want to use it for school..""

Car Insurance policy?

I was buying home contents insurance a month ago, I realized that It could be bought altogether with some other extras like key protections, legal expenses and home emergency services. Today I am trying to buy car insurance, I wonder what extras car insurance comes with? Regards""

Financial responsability in California (auto insurance) ticket.?

So I was recently given a citation during a trip to Northern California. Here's the condensed version; I went out with a group of friends to have dinner and drinks. It was about 10 people altogether, three car loads. I was originally not one of the drivers (I flew in from Southern California). Several of my friends/acquiantances drank heavily during dinner. I was asked as a favor to drive one of the car and the car owner's home. The car I drove belonged to my good friend's neighbor. I received a speeding ticket during the drive to the neighbor's home (73 in a 65) PLUS no insurance!!! I informed the officer that it was not my car and that it belonged to the passed out lady in the back but he didn't care and decided to write me the ticket anyway. Now I've been told that I will have to pay for it ($988) plus my speeding ticket. I spoke with my good friend about it but the neighbor now refuses to go to court with me or write a letter at the least explaining the scenario.""

What is the cheapest car insurance?

Hi a question about car insurance companies .thanks?

Hi how long do the car insurance companies keep record of the phone call because it is a good proof for the people who insure their car ? thanks

Which is the best medical insurance in washington state?

Cheap health insurance for college students?

I live in Orlando, FL and i'm a non-smoking college student. Does anyone know of any cheap health insurance or even health discount plans that I could get on just to cover the cost of my Bipolar disorder meds and possibly a couple of visits to the psychiatrist? Yearly physicals and examinations I can handle, but this psychiatrist that I see is $200.00 a visit PLUS the cost of all of the perscriptions he prescribes to me. HELP!""

How much is car insurance in ontario?

im just wondering, how much would car insurance be for a 1st time driver whos 19 and have to do it all on his owe as nobody in the family has a car lol. i dont plan on putting a car on the road till i get my g2, what isnt for like another 10months haha so i have been saving money up, Im Thinking it will proly be around $400 a month but not sure so does anybody else in ontario know how much it is? ps.. live in belleville ontario canada""

How can i insure my car for 1?

just read somewhere on this site that you can insure a car for 1 surely this is a load of uncle tom cobbler? would be very impressed if someone can answer this question... seeing as my car is only worth 500 why should i be expected to pay almost that in insurance? it would get written off any way should i ever claim. cos being an olde banger insurance cost for parts and availability not as easy and quick to get.

I'm 17 just got my driving licence (UK) How can I get my insurance cheaper?

17 year old 1 day insurance?

Any insurance companies do 1 day insurance for 17 year olds?

I'm stuggling to find car insurance HELP!?

I'm 21 and i past my driving test in may 2011 and got my car in july, I was insured by swiftcover for 145 per month but then I become ill and had to leave work so I couldn't afford the payments and decided to cancell my insurance til I could get back to work, but when I tried to renew my claim with swiftcover then said their policies have changed and they can no longer provide insurance for people who have been driving less then 4 years! So now every other insuance company want around 250-280 per month and I just can't afford this. Do u know any cheap insurers that take on young drivers in the UK, HELP!""

Car Insurance Question?

How much would it cost to insure a used (2004-2008) Pontiac Grand Prix GXP (5.3L V8 305 hp) compared to a Pontiac Grand Prix GT (3.8L V6 260 hp) for a 16 year old male in Texas after successfully completing Defensive Driving?

""Does anyone know where to get cheap car insurance (Ontario,Canada)?

My husband and I just bought a car today and we have not applied for our insurance yet we are planning on applying tomorrow(if there not open) then Monday. Does anyone know of a good insurance company we just had a baby 2 months ago so we are really trying to save money if anyone knows a good place would you please let us know. Thank you very much.

New Car/ New insurance...need it immediately?

I will be buying a car on Sunday. I am under my parent's insurance right now but will be getting my own when I get the new car. Do I need to get the new insurance policy before driving the car off the lot? How can I do this without the VIN number? I live in Florida.

Avoid ticket in California for no proof of insurance?

I had just bought the car and was coming home and I got pulled over and I didn't have proof of insurance but I did have it. My mom got insurance whilst I was driving so when I got pulled over my car had been registered with Allstate but I couldn't have the paper because I didn't have a printer on the spot. I had insurance but no proof of it.

How much does Auto insurance cost in Mass?

I am moving to Mass, and am curious if someone can give me an idea about how much it would cost to insure a 97 Acura CL 4 cylinder car. I am having a hard time finding quotes online. Round about numbers would help.""

Average car insurance for new driver?

I'm 16 and I can get my liscence sooon... but I need to pay for car insurance... how much on average will I be paying for a 1996 camry?

""No insurance company will quote me, dckheads..?""

They won't even give me a quote... Ive tried all cars even 1.1L fiestas/corsa/clios and 700cc Smarts... wtf is wrong with insurers in UK. im 17, just got licence.""

How much more would my car insurance cost if I went from having a 96 honda civic to a 2000 BMW 328i?

I'm getting a 2000 bmw 328i... I have a honda civic already. My insurance was like 1200 for the whole year I think... already paid it in full. I'm 19, with no accident history, no speeding tickets, never arrested; I don't really have anything that would make my insurance go up to my name. I live in MA, so i guess I can't get gieco or allstate or whatever..""

Affordable car insurance for HORRIBLE driving records?

I am looking for affordable car insurance for a poor driving record. I have never gotten a DUI or anything like that but I have been caught driving without insurance a couple times. I also have had speeding tickets and my license suspended before. Now that I am older, I obviously see the consequences. I am currently insured by Gieco but it is over $450 a month! I am willing to pay up to $200 since I know my driving record is not pretty. Does ANYONE have any suggestions and WHY?""

First car accident - forgot to get insurance info?

I just got into my first car accident ever today. I have his license #, plate #, address, cell number, but I totally forgot to get his insurance info. The CHP officer did come and file a report though. Do I still need to get it or amI ok? Am I supposed to report to my insurance company now or wait until 5-10 days after the report is finished? Sorry, this is my first time so I don't know anything. My car is is a 95 Honda and he drives a Lexus. There were only some scratches on his car (very minor damages) and mine is pretty bad. Any advice would be appreciated. Happy Vday to me. =[""

Did you get Affordable Health Care?

My husband & I have insurance & it didn't change but my daughter & family got Affordable HC. Their previous insurance was $1,200 a month. They are now paying $325 so there's was a very positive experience. We're in California. They had a really hard time getting into the wed site but persevered & are happy with the plan. It covers their eldest son who is in college & has Type I diabetes & their youngest son who suffers from asthma. Does anyone else on YA have a positive experience to share? What State are you from.""

""16 year old guys, how much do you pay in auto insurance every month?""

im tired of filling out online quote forms, just so it can tell me to call a customer service rep. i dont even have a car yet, but im planning on getting one, and im just wondering what the average for 16 year old guys is for auto insurance how much do you pay for insurance per month, how old are you, what do you drive? is it like $150, $200, $250, $300""

prudential life insurance

https://www.linkedin.com/pulse/gary-west-virginia-cheap-car-insurance-quotes-zip-24836-jessica-price/"

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davidcdelreal · 7 years

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How to Raise Your Credit Score 100 Points or More in Less Than 5 Months

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Raising your credit score 100 points is easier than many people might think, especially if you currently have bad credit.

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Step 1 – Know Where You Are

Pull your credit score to determine where you are and how much damage control you need to do. There are dozens of websites that you can use, but GoFreeCredit.com is one of my personal favorites.

Go Free Credit is secure, easy-to-use, and the best part – it’s only $1 to get BOTH your credit report and score. It Not only shows you your credit score, but it also explains why your credit score is that number. This means showing you factors like credit inquiries, credit card usage, age of credit history, payment history, and other aspects that impact your credit card score and how it holds up against the credit score scale.

Go Free Credit is great, but their one drawback is that you only get your score and report from TransUnion. This means you may be missing on some of the information from Equifax and Experian. For most people this will not make a big difference since what is most important is seeing your report. I do have to warn you that you are signing up for a service and the $1 is a trial for seven days. After the seven days they will charve you $19.99 per month and you get a really good credit monitoring service. If you just need your score and reports then you will need to cancel within the 7 days. I had no problems and the whole thing went very smoothly.

In order to find out all three scores, you need to go through MyFICO. This will give you your FICO score – but it isn’t free.

MyFICO has a monthly fee of $29.95, which includes credit tracking and instant access to a 3-bureau credit report and FICO score. If you only need to check one of the three credit reporting agencies, then it will cost $19.95.

Step 2 – Fix Credit Problems

Now that you know your credit score, we can start working to make it better. One of the best ways to earn a great credit score is to always pay your bills on time. Missing one bill can lower your credit score by as much as 100 points.

To begin your credit card recovery journey, make sure you pay all of your late payments and don’t miss another bill payment. While paying those outstanding debts isn’t going to raise your credit score, it will keep it from getting any worse.

Step 3 – Run Up the Score

Now that you’re paid up on all your bills, it’s time to give your credit score a serious boost. One of the best ways to improve your credit score 100 points is to have a credit card, but not use it. Sounds crazy, right?

One of the biggest factors that impacts your credit score is your credit utilization.

Credit utilization basically refers to how much of your credit card limit you use.

So, if you have a $10,000 credit card limit, don’t get anywhere near it. In fact, we would suggest using only around 20%-30% of your total limit.

If you have little available credit, this may be difficult. If your score isn't too bad, you may be able to open an additional credit card or get your utilization down on any maxed out cards using one of the many balance transfer credit cards.

If your credit is hurting, though, you may need to look at a secured credit card to get your utilization down.

This next section is how one of my interns, Kevin, did just that and made a HUGE impact on his credit. His parents had always told him not to open a credit card in fear that he would get in massive credit card debt and ruin his future.

Unfortunately, his parents were wrong.

To help Kevin out, I asked him to find out what his credit score was through MyFICO.com. Sadly, he was unpleasantly surprised. The story that follows is about how Kevin improved his credit score 100 points with a surprising tool – a secured credit card. Please welcome Kevin…

As a Junior and Senior in college, I was always told that applying for a credit card could be my first step in the wrong direction.

With a credit card in hand, my parents worried I would spend money I couldn’t pay off and build a lifestyle I couldn't really afford, rather than learning to save money.

While these are legitimate concerns, I had to let them know I felt as if I had some control over my spending.

My response was always the same: “How would I know until I was able to try for myself?”

My First Humbling Credit Experience

When I was finally prepared to get a credit card on my own, none of the banks I applied to would give me a chance. I had to walk into the banks and tell them what is probably the typical story for most recent grads or anyone in their final years of college. It went like this:

“I am unemployed, have no credit history, and have a couple thousand dollars in college debt that I will have to start paying on in the next year or two.”

Let's face it, this is not exactly a winning pitch when you are trying to convince someone to give you a line of credit!

Two banks denied me, but one banker was kind and shared some info that has helped me raise my credit score over 100 points in the past five months. I think everyone should be aware of this “trick”, which is why I’m sharing it today.

The gist of it was that I should stop trying to apply for credit cards and getting denied. His reasoning was that, when you apply, they do a hard credit check which, in turn, can lower your credit score even more.

His second piece of advice was to…

Get a Secured Credit Card

He told me that no major bank was going to accept my credit application, but that there was actually an alternative option available – one that was especially perfect for those in my exact situation. This was to sign up for what is called a “secured” credit card. While the terms for these are horribly one-sided in favor of the lender, I assure you it is a small price to pay for the result you receive after only a few months.

With secured credit cards, you give the lender a cash deposit up front, and that cash deposit is typically equal to your credit limit. This process truly confused me at first, since I thought the deposit was money I could actually spend.

What I learned, however, is that the deposit is there in case I default. I couldn’t spend the deposit itself, but I would get it back if I kept my account in good standing until I closed the card. This wasn’t an ideal proposal, but I knew it could help me build my credit score – and that was my real goal anyway.

There is also an annual fee associated with most secured credit cards, but I felt it was a small price to pay for the opportunity to build some credit history. After you make your deposit, secured cards are also treated just like traditional credit cards. Your secured card will typically look and act just like a regular credit card, so no one will know it is secured.

This is the route I had to take, and I suspect there are many others out there who are also in a similar situation. Even though you have to put all the money up front and pay an annual fee, it is still very much worth it when you consider the long-term benefits.

Long-Term Benefits: My Experience

When I first checked my credit score with MyFICO in March of 2011, it was sitting at 621. I set up my new secured credit card with a credit limit of $1,100. The credit limit should be a function of what cash you have, and also what you plan on using the credit card for. According to many bankers and friends I talked to, you should try to run a 75% utilization rate on your credit card to maximize your potential to raise your credit score.

So, if you only spend around $300 a month, you should give your secured credit card a $500 dollar down payment so that you are utilizing your credit rather than having a $1,000 dollar limit and only spending $300. My expenditures were approximately $700 dollars a month so the $1,100 dollar limit fit my needs.

After I received my secured card and started spending, I made sure that I would only spend money I already had, or would receive before the next pay period. I ended up paying off my credit card roughly four times a month to ensure I never carried a balance from one month to the next. I would never let my credit limit exceed $800, and I would never pay it off if the card balance was under $300 unless the pay period was coming to an end.

I would put every penny of my spending on the credit card – from the smallest expenses such as a drink from the gas station, to major purchases such as airline tickets or hotel rooms. I repeated this process for five months to establish a credit history of regular use and always paying on time.

Second credit check: YES!

In August of 2011, I had to purchase a car so that I could switch jobs. When I filled out the credit application to see if I qualified for the lower financing rates, my credit score came back as 731.

In other words, I raised my credit score from 621 to 731 in just five months!

This is a very big deal because, at 621, I would have been denied a loan for the car, or would have had an interest rate that exceeded 9% on the auto loan. Since I chose to get a secured credit card, I was able to take the car loan on my own, and qualify for the low rate of 3.99% financing.

The difference in the loan between the two interest rates would be $750 over the life of the loan, far surpassing the card's annual fee, and the opportunity cost of my secured credit card holding my $1,100 for five months.

A Message to Parents

To all of the parents out there who worry about letting their college kid apply for a credit card, I can tell you it worked for me in five months and will change my financial future for many years to come.

Secured credit cards offer a foolproof way to raise your credit score when it is not possible through a regular bank credit card, and is a safe way to earn credit if you do not trust your kid to spend responsibly. The worst that can happen with a secured card is that you cannot pay your bill, your company closes out the account, and they pay off your credit with the money you already have on deposit.

My secured card worked perfectly for me and I have now been accepted for a credit card with a major bank.

Secured credit cards are a great way for someone to build credit. Click To Tweet

How to Make a Secured Credit Card Work For You

Here’s the truth: If you have a low credit score and cannot qualify for traditional credit, a secured credit card is the best way to build a credit profile that will last.

Here are the steps to moving your credit score in the right direction using a secured credit card:

Step 1.: Learn your current credit score

If you’re worried about your credit, the best thing you can do is figure out where you’re at. By signing up for a free credit score with Credit Karma, you can get an estimate of your FICO score from two of the three credit reporting agencies. Although you’ll only receive an approximate score, it will be close enough to give you an idea of your current standing. Best of all, signing up for Credit Karma is free so you have nothing to lose.

Step 2. Research secured credit cards

The next step you’ll want to take is to research the top secured credit cards available. We recommend the Discover it® Secured Credit Card because of its meaningful rewards and lack of fees.

Step 3. Read the terms and conditions, then sign up for the card that suits your needs best

Once you find a card that meets your needs, you need to read through all the fine print to make sure you understand all fees involved with your new secured card. Once you feel comfortable with the details, simply click on the “apply now” sign and fill out all of the required information.

Step 4. Put down a cash deposit you can afford

Most secured credit cards will ask you to put down a deposit that is equal to your new credit limit. If you want a $500 credit limit, for example, you’ll need to put $500 in cash down as a deposit. You might need to save a few weeks or months to build this up, but the wait will be worth it.

Step 5. Use your secured credit card sparingly at first

As you get used to using credit, you’ll want to use your card sparingly at first. Don’t rush in and begin charging items until you get a grasp on what you can truly pay back. You don’t want to end up with a revolving balance you can’t afford to pay off every month, and you definitely don't want to pay interest on your purchases!

Step 6. Monitor your bill closely, and pay your secured card off frequently

To make sure you’re utilizing your new secured credit card, you’ll want to keep close tabs on your growing bill. If your card offers online account management, this task should be fairly easy. If it doesn’t, you may need to keep track of your purchases and charges manually. Either way, this step is crucial since staying debt-free is the best way to keep your credit in tip top shape.

Top 3 Secured Credit Card Offers in 2018

I strongly recommend the Discover it® card, but there are plenty of other options to browse through on CardRatings.com. Among the best are:

1. Discover it® Secured Credit Card – No Annual Fee

If you’re looking for a secured credit card to build your credit, look no further than the Discover it® Secured Credit Card.This card comes with NO ANNUAL FEE, which is almost unheard of in this industry.The card also offers a meaningful rewards program. You'll earn 2x points on dining and gas on your first $1,000 spent each quarter, and 1x points on all other purchases.

2. Capital One® Secured Mastercard®

The Capital One® Secured Mastercard® is another secured credit card that doesn’t charge an annual fee. Once you're approved for this card, you'll get a credit limit equal to the cash deposit you put down. You'll also get access to CreditWise® from Capital One® – a credit tracking tool that can help you monitor your credit over time.

The downside is that you won't earn rewards with this card. But, since this card does report your credit movements to the three credit reporting agencies, you can use it to build your credit slowly over time.

3. First Progress Platinum Prestige MasterCard Secured Credit Card

While the First Progress Platinum Prestige MasterCard Secured Credit Card does charge a $49 annual fee, it comes with a perk that the others on this list don't have – a low APR. Amazingly, this card charges only a 9.99% APR on purchases, which is almost unheard of among secured credit cards.

If you plan to carry a balance each month, your interest rate will play a huge role in how much you pay to use credit. By choosing a card with a lower APR, you can save money over time, despite the annual fee.

The Bottom Line

While Kevin's story is absolutely amazing, it isn't all that unique. The truth is, this is exactly what secured credit cards are supposed to do. They do receive a bad rap because of the initial deposit and the fact that some charge annual fees, but that's not really fair. In the real world, secured credit cards are a valuable tool that can be used to build your credit when you otherwise couldn't.

Whether you like it or not, your credit score is important. If you ever hope to take out a mortgage, borrow money for a car like Kevin did, or borrow funds to start a new business, you'll need a good or decent credit score to qualify for the best rates.

While imperfect, secured credit cards offer the opportunity to improve your credit and your life. If you are ready to improve your credit and think a secured card could help, don't delay. Research your options and sign up today.

Have you ever used a secured credit card? What is holding you back?

The post How to Raise Your Credit Score 100 Points or More in Less Than 5 Months appeared first on Good Financial Cents.

from All About Insurance https://www.goodfinancialcents.com/how-to-raise-your-credit-score-110-100-points-fast/

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