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wineanddinosaur · 3 years

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Next Round: Knead Wine’s Pricing Structure Is Creating Loyal Customers

Airing between regular episodes of the VinePair Podcast, “Next Round” explores the ideas and innovations that are helping drinks businesses adapt in a time of unprecedented change. As the coronavirus crisis continues and new challenges arise, VP Pro is in your corner, supporting the drinks community for all the rounds to come. If you have a story or perspective to share, email us at [email protected].

In this episode of Next Round, Zach sits down with Allie Nault and Jarad Slipp, accomplished sommeliers and new business owners. Their venture, Knead Wine, doubles as a retail wine shop and a takeout artisanal pizzeria.

Knead Wine is based in the quaint getaway town of Middleburg, Va., just an hour outside Washington D.C. The wine store is a microcosm of escape in its own way, offering a wall of unique wines from all over the world curated by Nault and Slipp, as well as a wall of $20 wines, and a wall of $45 wines. Despite their extensive knowledge and accolades, the duo strives to make buying wine an anxiety- and judgment-free process.

Throughout the episode, Nault and Slipp explain how the Knead Wine was conceptualized at the start of Covid, and how they’ve make their business model work in trying times. As it turns out, pizza and alcohol aren’t the worst things to invest in during a pandemic.

Listen Online

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Or Check out the Conversation Here

Zach: From Seattle, Washington I’m Zach Geballe, this is a VinePair podcast Next Round conversation. We’re bringing you these conversations in between our regular podcast episodes so that we can focus on a range of issues and stories in the drinks world.

Today I have the pleasure of speaking with Allie Nault and Jarad Slipp of Knead Wine. Thank you both for being here.

Allie: Thank you for having us.

Jarad: Super happy to be here.

Z: Excellent. So let’s start with the basics: What is knead wine? For those of you who are just listening to this and somehow didn’t read the headline on your podcast app, that’s k-n-e-a-d. So there’s a little bit more of a story here than just the obvious, which is that, yes, we all need wine.

J: Knead Wine was birthed in the middle of the Covid pandemic. We actually opened on August 1st. My background has been in restaurants for most of my life, and then I ran RdV Vineyards in Delaplane in the foothills of the Blue Ridge Mountains for six years. When I left, I could have gone all over the place, in lots of different directions. But I really, really love where I live […] on the top of a mountain in the middle of nowhere. I can’t see my neighbors in any direction. We have a pet bear that comes around on occasion, and it’s fantastic. I wanted to carve something out right here in my own backyard — easier said than done in the middle of Covid. So unwittingly, we found a space, and we did gourmet takeout pizza and retail wine. And again, unwittingly, looking back, the only thing in the restaurant world that is actually ahead of the game right now is takeout pizza. I think the worse the world gets, the more people drink. So it was kind of the one-two punch. It wasn’t planned, but it was certainly welcome.

Z: Gotcha. Allie, maybe a little bit about your background as well?

A: Of course. So I am kind of a restaurant orphan. I’ve worked in Providence, Rhode Island, New York City, at the top of the One World Trade Center, down to Commander’s Palace in New Orleans, and most recently at The Inn at Little Washington as their sommelier. In March 2020 restaurants closed, and Jarad and I were just sitting at home saying: “What’s next? Is the inn going to reopen? Will I even have a job?” Jarad just departed from RdV, and it was perfect timing at the perfect place. A spot opened up right in downtown Middleburg on the main street in this beautiful old building that needed a lot of TLC. But we were just so excited. A little bit more about the concept: when we say restaurant, we serve food and we can do intimate private events for up to 10 people by state law right now. But when you walk in, it actually looks like you’re at a retail wine shop, and then all of a sudden you start smelling pizza and these famous cookies we started making. Then you’re like, “Wait, what else is going on here?” Then that’s when the pizza comes in as well — it’s a whole entire sensual experience. Even with your mask on, you’re able to still smell Jarad’s incredible pizza as you walk in. They don’t let me back there in the kitchen.

Z: Fair enough. So let’s start with just a little bit more about Middleburg, because those people who are not in Virginia or nearby, like me, [might be asking] “Well, OK, it’s on the map, but what kind of community is it?” What has the reception been?”

J: It is a very interesting little microcosm. Middleburg is probably the wealthiest town in the wealthiest county in America — Loudoun County — which is to say it’s on the same par as Palo Alto and Jupiter, Florida, and so on and so forth. We have our fair share of multimillionaires and billionaires that stroll in on the daily. But that said, the median income is something like $56,000 a year. For every person that has a 1,000 acre horse farm, there’s probably 20 or 30 or 40, 50 people that they employ there. So we get all walks of life. It is this super cute, quaint hamlet in the middle of horse country. We’re exactly an hour outside of Washington, D.C., so it’s a nice little getaway. Jackie Onassis used to come quite a bit when she was younger. But particularly with the current state of the pandemic, it’s been a nice getaway for people in the city to sneak away to, even if it’s just for an afternoon.

Z: I would love for you to explain a little bit more about what you’re doing: when it comes to wine, you have a very straightforward, very simple pricing structure; can you explain what that is, and why you went that route?

J: I honestly can’t remember what the genesis of it was, but part of what we’re supposed to do as sommeliers is demystify wine, and I wanted to keep it real streamlined and simple for anyone that came into the shop. Basically, you walk in the door and everything on the left-hand side is $20 and everything on the right-hand side is $45. It’s really that simple. We have some bubbles and some stickers that are priced as marked, and we have a small wall that rotates. It was originally intended to be our favorite wines from our wine travels, but there’s not a whole lot of traveling going on right now. It started out with Willamette Valley, which is the last trip that we took. Currently it’s our favorite dozen Pinots from around the world. Come spring, that will probably turn into our favorite local Virginia wines, so it’s always moving. So the large preponderance of the wines is either $20 or $45, but you can get wines up to 300 bucks.

Z: Do people vibe with that pricing? Does that make sense to people right away? I will say, I’ve seen a few restaurants do something similar, where everything is either one price or in one bucket, [but] I don’t think I’ve seen retail shops do that. I’m obviously not familiar with every last retail shop, but it seems like it’s the kind of thing that if done well, as I imagine it is, that people really appreciate. They don’t have to think about price tags on wines next to each other to decide which one to buy. They know they’re on the left or the right wall, so they know what the price is going to be.

J: Allie can probably speak to it better than I can, because I’m often in the kitchen. But the reception has been amazing — people adore the idea. And again, it keeps things easy for them: they have their two price points, and they can gravitate from one side to the other. Oftentimes people will get mixed cases with both price points. It makes things interesting and challenging for us in a good way in that it’s very, very curated. We very much have to stay in our lanes price-wise, and be able to find wines that fit those two price points. So you can’t deviate too far, one way or another. You have to give great value. But you also can’t bring in a wine that costs $19.95 and sell it for 20 bucks.

A: When talking about wine with guests, I feel like one of the hardest things to always break down is asking the tough question of: “How much do you want to spend tonight?” This makes it very easy. We have two price ranges: $20 or $45. Some people (very, very few) will be like, “Uh, I guess 20?” It’s perfect — there’s a time and a place for the $20 wall, and for the $45, even for Jared and myself, who love wine, and have tasted a lot of incredible things. Twenty dollars is such a great price range to find new and exciting things, but also at such a high qualitative standpoint. So it makes it exciting. We will blind taste to find the best Cabernet Sauvignon for the $20 price range. So when someone comes in, [they know] it’s the best thing that we could find right now on the market for a $20 Cabernet Sauvignon. People will come in and they’ll see it will rotate in like a month depending on stocks and inventory, and with what distributors are bringing in. They get super excited to see what the next Cabernet Sauvignon is on the wall a month later. Seeing that excitement over a $20 bottle of wine is something that I find so fulfilling. Having spent so much time with Wine Spectator’s grand award-winning wine list, I get more pleasure out of providing something that is affordable, a daily driver that makes people thrilled when they go home with their pizzas. It’s really rewarding.

Z: I’ve sometimes thought that with wine programs and things like that, constraints sometimes do more to breed creativity than having an unlimited budget and going for a Wine Spectator grand award, and being able to buy whatever you want. Does that ring true?

J: Oh, absolutely. If you give me a big enough check, I can give you a grand award. It’s just a matter of going out and finding all those blue chip wines, whereas here it’s small, it’s curated, and nothing goes on the wall that isn’t vetted by us. If we don’t like it, it doesn’t make the cut. So when people come in, it’s pretty funny. They’re like, “Oh, what are your two favorite wines?” I’m like: “All of them. They’re all here for a different reason.”

Z: You mentioned at the beginning that you opened in August. When the beginning parts of the planning for this started, was the intention to be [like this], was it done in the knowledge of Covid, or did you have a somewhat different idea that had to evolve because the world changed pretty dramatically?

J: I think with the restaurant world, there is no going back to normal. There will be a new normal for us. This is all we know, because we got the keys to the building last April 1st (which is scary, it’s almost coming up on a year.) We opened on August 1st, and I did 90 percent of all the build-out in construction. We knew what we were opening into, or we thought we knew what we were opening into. So this strange paradigm is our normal, and it’s worked and it’s been great. We do have the ability to have some tables in there if we wanted to. Right now, we choose not to. It’s takeout only. We have done a couple of private events, like on New Year’s Eve and so on and so forth, which are super fun. But as far as navigating the current landscape, we kind of planned and built for it for that, in fact. So that makes sense.

A: Yeah, I love the way it’s set up. It’s a really great creative outlet for the two of us to figure out a way to do takeout hospitality. People come in for a split second to grab their pizza and grab a bottle of wine, or maybe they come in for 45 minutes. Will they grab a case of wine? They want to hear all about everything. But being able to give a very special experience through takeout has been a really intriguing challenge for us to come up with. I think for all restaurants especially. I’ve personally enjoyed it. I don’t know if Jarad’s enjoyed it as much as I have. We haven’t really talked about it.

Z: This whole time? That seems like, you know, maybe a conversation you should have.

A: I guess he likes it. We’re still doing it.

Z: Yeah. There you go. That’s some proof for sure. So I would think just in the abstract, that a wine shop/restaurant opened by two incredibly accomplished sommeliers would be potentially intimidating for a lot of people. We experience this issue as wine professionals where people want our expertise but are also afraid of it. Some of the things you’ve talked about — the focusing on pizza, which is, for most people, a pretty damn approachable food; having very clear prices (I think some of the fear is about getting talked into a more expensive wine than they’re comfortable with) — do those structural elements help people get over that fear factor? Or do you just not think that people are intimidated?

A: Well, I think when people walk in and they see me in the front of the shop, they think I’m probably like a college student just answering the phone. I look very young. I sound very young. They probably never in a million years thought that I knew anything about wine. That’s something that I’ve always had to break down the barrier with, at any place I work. If anyone’s ever intimidated by me, then there’s a real problem, because I’m not at all intimidating. I know you can’t see me — I’m a tiny 5’3, 100 lb girl. I don’t think that they’re intimidated when they come into the shop. I think that they become at ease when they hear about the price ranges. I mean, Jarad can be a little intimidating, I’ll say that.

Z: That’s why you keep him in the kitchen, right?

A: But I think once you’ve once you start talking to him, you’re like, “Oh.” It’s just like your friend next door, or someone that’s going to become your best friend because he’s just so warm and welcoming.

J: I’m the guy that’s in the kitchen that yells: “What you want is the second one on the left, the Pinot Grigio.”

A: We have fun.

Z: As Jarad mentioned at the beginning, pizza is one of the things, more than anything else, that people have been consistently going with during the pandemic (not that they didn’t eat a lot of pizza before) What are three or so of your favorite current pairings of wine with your pizzas? Feel free to explain the pizzas too, because I am sure they’re not all just Hawaiian.

J: I have two hard and fast rules: No pineapples and no green peppers, ever. Barring that, if you buy it at the grocery store across the street and bring it over, I’ll slap it on your pizza. But I refuse [those] two things. The pizzas are kind of rooted in Neapolitan style, but Neapolitan pizzas are really meant to be eaten immediately out of the oven with a fork and a knife. They’re kind of floppy. Being takeout, we need a little more stability, and being in America, we use American flour. I think it actually tastes better. We sneak a little Italian flour in there for some silky texture, but American flour tastes better. We’ll do a pepperoni pizza, no problem. But we have more exciting things as well. Tomorrow we’re putting on a pizza with Bosc pear, crispy speck, gorgonzola dolce, and Korean chili flake, and we’ll pair that with pear cider. I hate when people — when I say people, I mean guys because it’s always guys — try to match up every little nuance of the dish to every little nuance of the wine. At some point, you just get analysis paralysis, and it’s just not fun anymore. So if you get a red pizza and you get a bottle of red Italian wine, you’re in the ballpark. Whether it’s Chianti, or it’s Dolcetto, or it’s Barbera, it’s really a stylistic preference. But it’s not like I say, “No, you have to get this wine with this pizza.” That’s just silly. Rule number one is eat what you want, and drink what you want.

Z: That’s very reassuring. That was always my rule as a sommelier. But one that, as you said, is not always shared by colleagues. Allie: I know asking what your favorite wines are is really hard, but do you have a couple of things that you’ve put in that you’ve been excited to see the clientele really vibe with, wines that might have been a little more out there?

A: Yeah. I think when we started the shop, our regulars who joined us in the area (because we obviously have a lot of transient foot traffic as well) were huge on Pinot Grigio or Chardonnay— more of the classic options as a wine buyer, which is fantastic. I love people who know what they want. But as we’ve been open longer, they’ve wanted to venture out and try new things, which has been really exciting. So we actually brought in Guardians Saperavi from the country of Georgia. It’s a woman-made wine. Saperavi is the grape variety, and it has this crunchy and dried red fruit character, a touch of florality to it. It’s a very intriguing red wine that has pretty nice acidity, so it also goes well with pizza, but it’s delicious to just chug on its own. I had this whole entire shift of, “I like Pinot Noir. I’ll try Saperavi. Oh, I love Saperavi. That’s now my new favorite wine.” Then when we were able to order more, because it was out of stock, I had a list of phone numbers to call when it came back in stock. So that’s something that’s been really exciting, and for $20.

I feel like people are really excited to take a chance, and maybe $20 was the peak of what they’ve spent on a bottle of wine before. But once they see how incredible the world of wine is, for Thanksgiving, they ventured over to the $45 wall, which is really also exciting — to show the entire world of wine at both price ranges to them.

So that’s probably been the most exciting part for me, with all of this, is just watching the transition of the community and their wine preferences. But when it comes to pairings, I always just say: “What grows together goes together.” So sticking with the Italian wine that Jarad was talking about. But whenever someone comes into the shop, it’s not like in a restaurant where you commit to like three ounces, and if it wasn’t your favorite wine, you just chug it and move on. It’s a whole bottle. So I always ask first: “What do you typically enjoy?” Then I find something along the lines of what they enjoy that will also go with the pizza, because I’d hate to send someone home with a Zinfandel if they like Old World Bordeaux. It’s not going to go well for them at the end of the night.

J: I think when we opened, we wanted to make sure that we had all of our bases covered, and all of the classics represented. Now as we’re seeing the clientele’[s] bandwidth is, we’re beginning to push the boundaries a little bit and say, “OK, let’s try some Greek wine, OK, Greek Chardonnay. OK, that worked. Let’s do Assyrtiko. OK, that worked. Let’s do a retsina. Retsina’s a tough sell, but you push up until the line, and then you draw back a little bit.

Z: Yeah. Then you drink retsina for a few weeks if that’s where you end up.

J: Oh it’s lights out, by far-and-away the best retsina out there. But it’s still an acquired taste.

Z: Well I want to thank you both so much for your time, I really appreciate it. It sounds like a really cool project. It makes me sad that at the moment, I am very far away and can’t come visit. But one of these days I will make it out there. I’m sure we’ve got some listeners in the Virginia area who, if they haven’t been in already, are looking forward to it. I can almost taste the pizza, and I’m very glad to know I won’t have to ever get pineapple. Thanks again, and best of luck going forward.

J: That’s very kind. Thank you so much.

A: Thank you, Zach. We look forward to welcoming you at some point.

Adam Teeter: Thanks so much for listening to the VinePair podcast. If you love this show as much as we love making it, please give us a rating or review on iTunes, Spotify, Stitcher or whatever it is you get. It really helps everyone else discover the show. Now for the credits: VinePair is produced and recorded in New York City in Seattle, Washington, by myself and Zach Geballe, who does all the editing, and loves to get the credit.

Also, I would love to give a special shout out to my VinePair co-founder, Josh Malin, for helping make all this possible, and also to keep Keith Beavers, VinePair’s tastings director, who is additionally a producer on the show. I also want to, of course, thank every other member of the VinePair team who are instrumental in all of the ideas that go into making the show every week. Thanks so much for listening, and we’ll see you again.

Ed. note: This episode has been edited for length and clarity.

The article Next Round: Knead Wine’s Pricing Structure Is Creating Loyal Customers appeared first on VinePair.

source https://vinepair.com/articles/next-round-knead-wine/

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johnboothus · 3 years

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Next Round: Knead Wines Pricing Structure Is Creating Loyal Customers

Listen Online

Listen On Apple Podcasts

Listen on Spotify

Or Check out the Conversation Here

Today I have the pleasure of speaking with Allie Nault and Jarad Slipp of Knead Wine. Thank you both for being here.

Allie: Thank you for having us.

Jarad: Super happy to be here.

Z: Gotcha. Allie, maybe a little bit about your background as well?

A: When talking about wine with guests, I feel like one of the hardest things to always break down is asking the tough question of: ��How much do you want to spend tonight?” This makes it very easy. We have two price ranges: $20 or $45. Some people (very, very few) will be like, “Uh, I guess 20?” It’s perfect — there’s a time and a place for the $20 wall, and for the $45, even for Jared and myself, who love wine, and have tasted a lot of incredible things. Twenty dollars is such a great price range to find new and exciting things, but also at such a high qualitative standpoint. So it makes it exciting. We will blind taste to find the best Cabernet Sauvignon for the $20 price range. So when someone comes in, [they know] it’s the best thing that we could find right now on the market for a $20 Cabernet Sauvignon. People will come in and they’ll see it will rotate in like a month depending on stocks and inventory, and with what distributors are bringing in. They get super excited to see what the next Cabernet Sauvignon is on the wall a month later. Seeing that excitement over a $20 bottle of wine is something that I find so fulfilling. Having spent so much time with Wine Spectator’s grand award-winning wine list, I get more pleasure out of providing something that is affordable, a daily driver that makes people thrilled when they go home with their pizzas. It’s really rewarding.

Z: This whole time? That seems like, you know, maybe a conversation you should have.

A: I guess he likes it. We’re still doing it.

Z: That’s why you keep him in the kitchen, right?

J: I’m the guy that’s in the kitchen that yells: “What you want is the second one on the left, the Pinot Grigio.”

A: We have fun.

Z: Yeah. Then you drink retsina for a few weeks if that’s where you end up.

J: Oh it’s lights out, by far-and-away the best retsina out there. But it’s still an acquired taste.

J: That’s very kind. Thank you so much.

A: Thank you, Zach. We look forward to welcoming you at some point.

Ed. note: This episode has been edited for length and clarity.

The article Next Round: Knead Wine’s Pricing Structure Is Creating Loyal Customers appeared first on VinePair.

Via https://vinepair.com/articles/next-round-knead-wine/

source https://vinology1.weebly.com/blog/next-round-knead-wines-pricing-structure-is-creating-loyal-customers

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lazytacomoon-blog · 6 years

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I'm shopping for car insurance and want to look for reviews of all the major companies out there. I want competitive prices, but good customer service is top priority, such as not trying to find a way out of paying me if I have an accident and not raising my rates without my knowledge like some companies are rumored to do.""

How much would the rate be of the car insuance?

Ok. How much would car insurance cost on a 2007 BMW 335i coupe for an 18 year old driver with about 33,000 miles on the car. Also, how much would a 1999 ford Mustang gt witH 121,000 miles on the car for an 18 year old driver. the bmw will b in a covered shared lot while the mustang will be parked in an uncovered shared lot. We live in pheonix arizona. My car, the mustang, will be used for driving to work, as well as going to class. Same for my boyfriends car, the bmw. School is 4 miles away and work for me is about 25 miles aeay when his is only 1.5. Thabks for everyone who helps(:""

Health Insurance?!?!?

I am having to get my own health insurance for the first time. Can someone help me figure all of this out? What should I be looking for? I am young and healthy, so I would not like to pay that much, but I would like to feel confidant in my coverage. Also, I will need dental coverage-any info there?? Thanks so much!""

How much would insurance on a Mercedes C230 cost?

2008

About a car insurance..?

I've just got an instruction permit and wanna take a spin for the first time. But I'm concerned if it's ok to drive a car without my own insurance. The car is my mom's and I'm not sure the car itself is insured or she is.

16 year old insurance rate after an accident?

this afternoon i backed into another car in the high school parking lot, the damage was very minor, been insured for 2 months. how much will my rates rise ?""

Which car insurance companies only ask for 3 years convictions?

Health insurance...what does this mean?

My school has an option that states that unless you have health insurance from a ' government sponsored health insurance plan' then you have to go with the school's health plan.......which is so expensive. So what are the 'government sponsored health insurance plans?

Ways to check is a business has insurance?

Exactly what the title says, is it possible to check online, or anywhere else, if a business has any kind of insurance? I can't ask them at the moment, because of a legal issue, however, I would like to know if they have any kind of insurance. The business is in Illinois too, if that makes any difference.""

Vehicle insurance question?

If I make a buisness delivery in my personal vehicle and have an accident, will my insurance cover me?""

""If the other guy's insurance pays for damages, does that show up as points that cost me with my insurance?""

My son was rear-ended today. Damage appears minimal, but there is damage. If he has the damages paid for by the insurance company of the man who ran into his car will that cause my son's insurance rates to increase? I seem to recall that insurance companies share information, but am not sure about this issue. Thanks in advance!""

Cobra or individual health insurance?

If I loss of group health insurance due to end of employment, but the company offers Cobra plan which is too expensive for me, can I get the individual health insurance or I have to stick with the Cobra plan? I live in NJ.""

How Much does it cost to insure a ferrari?

Insurance for 1975 stingray?

What would you estimate the insurance would be for a 16 year old boy with a 1975 stingray?

Where can you read reviews on renter's insurance?

My mom just moved into this expensive high-rise building and considering the crazy amount of rent she's paying for it and all the stuff she's putting in it I think she needs insurance. How can you decide on which one to go with?

What's the cheapest car for insurance?

How much my car insurance is likely to cost?

I have just passed my (UK) driving test and is considering getting a car, but I need to budget first see if I can in fact afford one! I am female, turning 26 in a few months time. I will want to get a small, second hand car - would like a Ford Fiesta (1.2) or Honda Jazz (1.4) or VW Polo (1.2). Would want to get a car under 3000. Does anyone know roughly how much my car insurance will cost? I think I will take the Pass Plus course as well once I have decided to buy a car.""

Is a moped or motorcycle better for a college student?

I am currently a junior in college and contemplating whether to get a moped or motorcycle. I know a few pros to both. They both have high fuel economy and don't emit dangerous gases like cars do. They don't cost most insurance wise. The cons is that a moped can't go on interstates and a motorcycle is pricier and mechanics for motorcycles are pricey as well. Luckily, I can get to school and work with and without the interstate if I wanted to. Thing is that I don't want to spend over a thousand dollars on a motorcycle and deal with the maintenance. So which is better price wise? Is a moped or motorcycle more beneficial?""

What is the best priced auto insurance company for people who have been canceled due to too many claims?

These claims are all due to serious weather, vandalism, and theft.""

Do I have to pay more for my 16 yr old to drive?

Do I have to pay for a different auto insurance policy (that costs alot more)here in Oregon to allow my 16 year old son to drive our vehicles? I was told by a former ins agent, this is a scam to get more in premiums, when it is not required by law.""

How should i select PIP in car insurance...?

Hi.. I am going to take a car insurance and i am not very much clear about PIP. what is the best option to take as there are 4 PIP options given to me I have a health insurance that covers me till 80 % of the expenses. So if i take PIP option in my car insurance will it cover me the rest of the 20 %? will both the insurances work together? Please let me know. Thanks

What is loss of service insurance?

Im a working mom had an accident which required me to stay home to recuperate. Will the loss of service insurance cover answer for my claim considering I will not earn for the days I am away from work?

If I'm under my dad's car insurance and I get in an accident...?

I'm under my dad's car insurance though I have a car of my own. My insurance company refuses to give me an insurance card under my name, saying (and I'm paraphrasing here) that they only give out insurance under the name they have under the title (I forgot exactly how they worded it). Even though my insurance card is not under my name and it's under my dad's, can I still get in trouble if I'm in an accident?""

Using a po box in license for cheap car insurance?

I live in the bronx but car insurance for me is like 660 a month... that's impossible to make... I wanted to go with Statefarm... I was using a po box in Yonkers, tuckahoe 20 mins away and it dropped to 220 a month with more then just liability coverage ... the po box isn't on the street it's a ups street address.. the guy told me people do it all the time but I just wanted to be sure.. does Statefarm ask for proof of address.... like bill of con Ed which Im only 17 btw.... I work so I was going to change my address on my check I receive to the Yonkers address and my debit card address also.. and ofcourse I was going to make that my address in my license.... I know brokers will give you insurance with any addres but will it be good the 6 months or will they contact me a month or so with asking for info abt my addres... will it work is the question if it's in on my license and I say that's where I live.. I'm 17 so I don't have credit... also has anyone ever done this?? no stupid answers""

What good are healthcare insurance brokers?

I called one two weeks ago & he was going to email me different quotes. He never bothered to, and so I called him & asked where they were. He said he forgot. Meanwhile I called another health care insurance broker & she too sent me some quotes. I attempted on line to apply for one, but there was a problem with the form allowing me to go further. I not only called the broker like she said I could if there was a problem, but I also emailed her about the problem. She didn't return my phone call, and as of yet has answered my email. It seems to me they must not want to make a commission, so is it just best to contact the health insurance companies on their own? In the past a broker was able to tell me if I would qualify if there would be a mark up above standard rates. Now they say just apply on line and see what happens. Everything has to be on line which always obviously doesn't work. So, what good are health insurance brokers? They need to just do away with them if they aren't going to work.""

Temporary Car Insurance Cover?

I wanted to get a 1 day car insurance but my licence is just under 6 months. The car belongs to my Grandma. Some of the insurers are reluctant to this. I am 32ys old so not in the under 25 bracket. Any suggestions as to who I could try please. Thanks

Help on getting cheap car insurance for young drivers?

I know about multicar but i cant do that, i know about named drivers etc but is there any way i can get a decent insurance quote for a 17 year old because ive been getting 15000 quid for quotes recently. Dont tell me you cant do it thats not gonna help me, thanks""

Is there any affordable insurance plans I can get in NJ( South NJ )?

Particularly Dental Insurance. I am 20,a Part-time worker who also goes to college full time. I am not covered by my parents nor have I ever had insurance. I am one of the many Americans who do not recieve proper health care due to low income however I do need to get Dental Insurance, and Health Insurance. Is there any reasonable companies to look into?""

How much is the average car insurance if I'm 18?

Car insurance help. please help me?

I am buying a 2011 camaro 2lt. Now here is what I am thinking. If i put my car under my dad's insurance will my insurance also be lower if i am listen under my dad's insurance and as one of the people who drives the car instead of having the car under my insurance?

Insurance for 18 year - which 7 seater?

im looking for a 7 seater that i can get insurance on for myself and my son who is 18 years old. im over 50 and have got 5 years NCB, my son has had his licecnse for 1 year and ...show more""

""Teen car insurance,HELP!!!!!?""

im going to get my license in december, and i want a 2008 honda civic hybrid, im going to be 16 by then, my gpa is 4.0, and im a female, live in california, and how much will be my insurance approximately if the car is under my parent's? and what do i have to bring on the day of my road test other than my permit and my drivers training completion certificate? thx""

Which car insurance companies only ask for 3 years convictions?

350z or g35 coupe auto insurance?

I am 17 years old about to be 18 and I really want a nissan 350z or an infinity g35 coupe. I have been saving money for a few months to buy a used z or g35 but I never thought about what my insurance would be like. I am 17 with no real driving experience. I would be on my parents insurance, I had a 4.0 the last 2 years of high school so straight a's. I have a job(idk if that matters) I do not smoke. I live in California in a small town. I am a male. I dont know what else insurance companies look for so if you know of anything else please mention them in your reply. I'm just wanting to know if anyone has any kind of idea of what id be paying. Thanks""

Car Insurance Estimate?

I'm 19 years old. I've had my license since December 2008. I've never been in an accident. The car would cost around 5000$ It's a silver 2002 Saturn Vue AWD V6 With around 100,000 miles on it. Used obviously. It would be bought with a loan from a bank, so financed. I make around 1000$ a month, working 32 hours a week. Lame work for now, but hey. I can easily pay for the insurance. I also have good credit history. Any ideas on what insurance would cost.""

How does a 18 year old buy a car without a license or insurance?

I want to buy this camaro from this guy because he wants to sell it because he has two cars but I have not took my drivers test because I work so much and I do not have auto insurnce. I want to buy the car so it can sit in my garage until I get my license then I can register it and stuff. Like is their any paperwork or legal processes I should know of because In my mind I just think I can Get my uncle to drive me out there and give the guy the money in return he gives me the keys and my bro drives it to my house or does it need to be towed?

Will getting quote for Insurance affect my credit?

I am trying to switch to an insurance company with cheaper rate, so I have to get quotes from several. I am wondering if it will hurt my credit if everyone check my credit using my SSN? soft inquiries just like when I pull out my credit report?""

How much is monthly insurance rates?

What are the things you pay insurance for and how much...

Is there an individual health insurance plan that has bariatric coverage? ?

I need to find insurance that has the following: 1. Bariatric Coverage 2. Out of Network Coverage 3. 60-100% Out of Network Coverage per day Does anyone out there know of one that has all of these features?

Is auto insurance cheaper if I live with my parents or on my own?

What is the best and cheapest insurance when renting a car in America?

I have heard that when renting a car in America the insurance can be as much as the rental cost itself when organizing insurance through the rental car agency. I am traveling to the US and will be renting a car and am trying to figure out a batter way to get the collision damage waiver insurance other than paying the high insurance prices offered by car rental companies.

Will criminal record ( petty theft) effect my car insurance?

Will criminal record ( petty theft) effect my car insurance? My husband who does my car insurance doesn't know about my pending criminal charges. Will he find out when he will renew my insurance? Or any another consequences? ( I'm stay-at-home mom so I won't be applying for work)

How much would insurance group 7 be?

would just like an estimate how much insurance group 7 is

How can i get cheap/free health insurance?

i live in chicago and wanted to go to the doctors but my dad informed me i have no health insurance (only him. he is legally blind on public aid) im 20 and in college what can i do

Insurance question?

I just bought a 2008 Honda Accord, exl, 4 cyl. I can't even drive it because I dont have insurance, what is the cheapest (most affordable insurance) I should get, i am 20 years old living in ontario california.""

Can i get cheap insurance on vw scirocco for first car?

im going to be getting my full license soon and im thinking to buy the scirocco for my first car but have been put of by the insurance that i will need to pay as im gonna be a new driver, the price id need to pay yearly is 4500 which is a lot and pretty much the same as owning a jeep GCsrt8 for your first car. i was wondering is there cheaper option?""

What is pip in insurance?

Why are so many Americans against affordable health care?

""I have taken out car insurance last month,i have found a cheaper insurance,i want to find out if i can cancel ?""

my previous insurance,i took it out on installments""

How much is aaa liability cheapest insurance for a 3rd car?

If I currently have a 2009 ford taurus and a 2003 toyota camry with full insurance for 2000 a year how much extra is it to add insurance for a small, cheap used car (2001 toyota corolla) for just liability rather than full coverage by AAA? Is it going to be cheap as in 200 dollars a year extra or even no extra cost? Thanks""

Can an insurance company be sued for not paying and ruing my credit?

I had a bill and the insurance refused to pay it. They thought I was under two different insurances. The bill went to collections and they have paid a little on it but not the whole thing. It has been a year now.

How do you get proof of auto insurance?

i just got my driver's license, (i'm 17) but i haven't been able to drive yet because my dad says i need to get an insurance card as proof of insurance. It was supposed to come in the mail a week ago. No one else i know had to do any of this, and they could drive as soon as they got their license. is there a faster easier way to get proof of insurance? thanks""

How much is insurance rate on 97 camaro?

Estimate on how much my car insurance will be?

I'm financing a new (or relatively new) car pretty soon, it's probably going to be a Nissan Altima which is a very safe car and is probably going to be either brand new or no more than 1 - 3 years old. I'm just worried about how much I'm going to be paying for full coverage insurance because I haven't had a car in a couple years thus I haven't had car insurance in a while and when I did, it was only no-fault insurance. Also, I'm young (22) so that will make my insurance high. However, I have a spotless driving record so that should help. I also live in a safe county if that matters. Anyone have a ball-park figure on how much I can expect to be paying, monthly? Thanks.""

How do I get cheap insurance?

I'm 19. 1 NCB. Been on the road for 2 years and 5 months.

Does affordable car insurance exist for a 19 year old?

I'm a 19 year college student. Currently I'm a closing manager at McDonald's and a certified Cisco Network Associate. I'm in the process of buying a vehicle and was optimistic about it until I started to look for insurance. The cheapest policy I've found is $338 a month. There isn't any way I can afford that and the car payment. It's not that I'm lazy and don't work, I work 40 hour weeks plus overtime from closing. I live in a rural area (North Georgia Mountains) so taking the bus isn't a option for a 20 mile commute. My closest neighbor is 7 miles away so car pooling isn't realistic. I feel somewhat hopeless. I would join my parent's policy or something similar but I live on my own and have little to no contact with them. I've been borrowing my Mother's car to get to work but she's given me 3 weeks to get a vehicle or walk. I have found it to be almost impossible to transition into the real world and become an adult and live on my own. What's a guy to do in my situation? I can't work without transportation, and without work I can't pay bills. That American Dream I grew up hearing about seems to only exist for people who have established wealth and good parents. What's left for the others? Are people in my situation just ******?""

Can I buy car insurance with Obamacare?

What about food? Do I get free food now because of Obamacare?

Friend on my car insurance?

I have a friend (age 21+) who needs to get a car insurance but she only has a learner's permit and she cannot get an insurance herself. She has a car under her name. I am willing to add the car to my insurance and have her as a secondary driver. What are the risks I have? Am I, first of all, allowed to add a car which I do not own? Does my insurance premium go up if she gets into accident?""

Which car insurance companies only ask for 3 years convictions?

Looking to get auto insurance... should i get life insurance ?

My brother told me to check out http://quck-insurance-quote.com is this a good site to shop around for auto insurance and life insurance, I drive fast and don't want my girlfriend to have nothing if I die.""

RWD Japanese sports cars that are cheap to insure?

I.E. Not Skylines or 350Z's.

Motorcycle Insurance in Oklahoma?

Am I interpreting this correctly? Motor vehicle with a seat/saddle for the use of each rider, with not more than three wheels and a combustion engine with a piston or rotor displacement of greater than 150 cc. is a motorcycle. Does this mean if I were to buy a 125cc Honda CBR or something of the likes, that I wouldn't have to get motorcycle insurance, and I could use my Class C license and not have to get a Class M license as well?""

""Where do i get cheap car insurance after passing my test at 17yrs old, thanks?""

Where do i get cheap car insurance after passing my test at 17yrs old, thanks?""

How easy is it to change my car insurance?

I am 23, and never changed my car insurance before. I had it for 5 years. I paid $65, then after a ticket, over a year ago it suddenly went to $87. That is with progressive. Esurance offered me $55 for same coverage. If I usually pay on the 20th, can I call them up, set up new plan, and have it start on 20th, and have old one stop on 20th, without another bank deduction?""

Oklahoma data bank life insurance search?

Search for deceased relative who may have insurance in Oklahoma

How much for car insurance?

My mom drives a Mercedes B 150 (about 5 year old car), she's Middle Aged and had a good driving record so her insurance is around 200-300pa. I'm nearly 18, and a new driver (passed yesterday), was wondering how much insurance would be for me if I was added onto her insurance. (just an estimation would be great!) Thanks in advance!""

Affordable health insurance? My husband's work does not pay for mine nor our son's insurace so we pay out of?

pocket. We have Aetna right now but they just keep jacking our prices up. My husband has not been to the doctor at all this year and they have raised his prices too. Does anyone know of a good health insurance plan that is affordable please?? Thank you!

Hit and Run insurance help!!?

My car was hit 4/19 and now I want to get it fixed through my insurance. The damages from Honda are about $1200. I think I should file with my insurance since I can't afford it. Since I did get the quote with Honda will the insurance company or DMV know I got it on that day?? I do not know if they will honor it since it was a few weeks ago.. I have a $100 detuctible and that is way cheaper than the $1200 but do not know what to tell them when i file the claim.. I am with Mercury and live in California

Where can I seek affordable health coverage for general and emergency care?

I'm currently jobless, and living abroad in Central America with my boyfriend. I need health insurance for emergencies and general health care. The plan I had was too expensive and I am desperate for a sense of security in case something happens. Also, I have been struggling with some more minor health issues and need to be able to see an American MD when I am home in the states. Please advise. Would also appreciate helpful weblinks as internet resources. Thanks.""

Insurance stats?

hello where can i find insurance data of the United states, on the historically and socially aggregated cash flow and balance sheet of the insurance company

Is there a website for health insurance quotes?

im goin 2 b 19 & my current health insurance will exp. i need to find health insurance fast as well as as dentist insurance. sum ppl told me not 2 get eye insurance cuz payin da monthly payment vs. getting da benefit isn't worth it. meanin u pay more than u get out of it. but i want ur opinion as well sum other ppl told me 2 go 2 a hospital 2 ask sum ?'s of what health i should get, meanin like find out what im cover 4. like i don't want 2 pay hidden charges. like basically i need help cuz nobody is guidin me on what 2 do after im not cover. like im on my own.""

What are the variables included in the cost of car insurance?

What are the BASIC variables that are included in any car insurance? i.e...car color, car make, type of car, horsepower, year, age of driver, ethnicity...? Which things do they look at car wise/and driver wise that affect how much insurance you end up paying in the end? and does the speed of the car effect the cost greatly?""

""Insurance for 6 months, changes mid policy?""

I'm looking at buying insurance for a 6 month period, but 2 months into the period there will be a change that causes a significant price drop (3 points removed from my license and my birthday). Will they generally allow me to have my rate adjusted mid-policy? I'm talking of a price difference of about 100 a month, so I really want to see how I can make this work.""

Is it necessary to buy rental car insurance even though i have my car insurance policy with me?

i have a car and have taken...if i take a rental car , then my auto insurance...""

How much would insurance for a Subaru Impreza WRX be?

I am getting my license very soon and I plan on getting an 02 Subaru Impreza WRX for my first car. I am curious to know what will be the monthly cost of my insurance (an estimate). I will be on my parents insurance and they have Liberty Mutual. I know that the WRX has one of the highest insurance rates but I want to know if it will be doable or not. Thanks in advanced.

Car insurance price difference?

I have just partially cleared my garage and want to know before i clear the rest of the garage and run around getting different quotes, how much cheaper is insurance parking in a garage rather than a drive.""

Is it okay to drive your parents car but dont have insurance yet but your parents gave permission to drive it?

Like if i was to be pulled over which I plan on not being because I drive very carefully but with cops now a days they will pull you over for no reason and just follow you and pull ...show more

B Average for Car insurance Discount?

Is 84.86 considered a B average in the eyes of the insurance company? My school doesn't give grades on a 4 point scale- only the percentage

Insurance prices?

Why is insurance so high on a 08 suzuki 1300. I am 42 and was quoted 900 a year. Is that bout right

Is this the best way to go about cheap car insurance at 17?

Get insured on my mother's car for a year then get my own when the insurance drops.

Car Insurance discrimination?

I was filling out a car insurance quote form online , I put my mother as the main driver and me as additional but accidentally put me as a spouse , the quote came back as 400 pounds. As i reviewed the quote i notice my mistake and changed it to Other ( Spouse , Partner , Other only listed ) and then my quote came back as 2000 pounds. I am 18 years old and getting car insurance is hard but my question is how does being married make me a safer driver and is it possible to take insurance companies to court because of there overlooked age discrimination""

Renault clio? first time insurance how to get it cheap?

looking at a clio 1999-2003 model any hints on how to get cheaper? got a quote for 4000 today!

Am I required to have auto insurance if I dont drive the car?

The car is financed. I will still be making payments. If the car is in storage do i have to have it insured? I live in washington state.

How are home insurance rates in hawaii?

I'd like to buy close to the water (would be impacted by hurricanes). FLA is ridiculous now-cant get insurance near the water for entire home value. Thought Hwi might be better since they dont get hit so much.

Which car insurance companies only ask for 3 years convictions?

https://www.linkedin.com/pulse/blue-shield-california-health-insurance-quotes-nathan-stone"

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