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Gibbon Glade Pennsylvania Cheap car insurance quotes zip 15440

"Gibbon Glade Pennsylvania Cheap car insurance quotes zip 15440

Gibbon Glade Pennsylvania Cheap car insurance quotes zip 15440

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

RELATED QUESTIONS:

Should I sue Texas for requiring me to buy auto insurance?

After all I'm a good driver, and I'm willing to take your chances that I'll be financially responsible if something unexpected happens. Why should I be forced to take part in the government sponsored mandate to purchase something? What about free enterprise and my freedom to spend or not spend my own hard-earned money? Maybe I could get my case heard by the Supreme Court....""

My son wants to buy a car. Can he use my car insurance?

My son wants to buy a car but he is only listed as a household driver on my insurance policy. He is 23 years old. He lives with me in Pennsylvania. Must he have his own insurance to purchase a car?

What would be a cheap motorcycle to insure....?

im 20 with im going to do a safety course id like something sporty looking...new or used...would it be cheaper to go with a older bike so i can carry liability or do older bikes have alot of problems....inform me with you advanced riders knowledge

Do you know how much your health insurance premium will be going up?

I just received a newsletter from my health insurance company with these items: Health Insurer Fee to be phased in starting 2014: There will be a Health Insurance Provider Fee on premiums charged by health insurers. Some plans will be exempt, for example: Medicare, Medicaid, etc. It is estimated this will add at least 3 percent to insurance premiums. Congress anticipates $455 billion savings from cuts to both Medicare and Medicaid. Providers and healthcare facilities are expected to cost-shift expenses to commercial plans. The U.S. faces a shortage of primary care physicians (40,000 in the next decade), Oncologist (3,000 to 4000 already today), Nephrologists and -- perhaps the most scary -- Nurses (300,000) in the future according to one study. These figures do not account for the demand created by health care reform. So, we have a ways to go before we have reached our goal of affordable healthcare for every American. The Affordable Care Act is a good start toward that goal. What is the Affordable Care Act? .""

What are rates for car insurance?

I'm trying to answer a question for drivers ed about car insurance. I'm supposed to answer what rates are for a first time driver (just getting their liscence), what rates would be for someone who hasnt taken driver's ed, what are the rates for a 25 year old, what are rates for a person without drivers ed, and what are rates for someone convicted of driving while intoxicated. its not in my book, so i dont know how to answer it, but im trying to answer the questions based on full coverage.""

Car Insurance(state farm) hit & run accused of hitting a object?

i was driving on the freeway tunnel(day time) when i noticed the guy driving on my left-side merging into my lane and struck my right fender,so when i get to the end of the tunnel to wait for him the guy simply drives off.I then call my ins and claim a hit & run etc. i gave them the details they say they'll fix it.3 months later i come to find out that they are claiming it's my fault that i hit a object or a guard rail or wall how can i go about this and fight it.the rep that help wasn't any helpful at all she said she re email a letter stated it was my fault and how to fight it. any help will b appreciated !!! i also i asked the lady if i can show pics of a cars that have been into collision with object i even told her it would be pics of my car(not actually my car) but u know what i mean she said they only go off what they see""

Why should I have to pay for your health insurance?

An answerer on another question said, Do you have insurance? What of those who cannot afford it (my sister comes to mind, and she has a husband and two sons under age 18 years who are also not covered)? Medical care is extremely expensive and necessary. I'd much rather my tax dollars go toward a means of making insurance affordable to everyone than to fund an immoral war. Oh, and my sister and her husband have always worked very hard. Neither are fat, lazy bums who sit around all the time. Heck, my sister would love to have 10 minutes to herself, but can't take the time. * 20 minutes ago These people made a choice to have two children they cannot afford to insure. They had a responsibility to seek employment where they would have health insurance coverage for themselves and their two children. Or obtain insurance on their own. If they are healthy, it can be gotten at a rate comparable to what I pay through my work. I work two jobs. Both of my jobs, even the part-time job, offer me health insurance, so jobs with health benefits are not so hard to find. Why should I be made to pay for other people's poor choices? I have wants and needs, too, and it's MY money.""

How much will my car insurance cosT?

We have Allstate. 2 cars, and my mom and dad are both covered on both cars. If I were to get my license in a week, when I am 16 how much will that increase there bill too? I only want to get insured for one car, and its an older classic car. Also I have taken an online drivers ed course.""

How does american car insurance compare with british car insurance?

why can young people in the states drive nice, big, expensive cars, and in england it so expensive, and we struggle to get insured in england at a resonable price. you watch tv and they drive range rovers, and in england we drive old cars where the insurance cost more than the car. by the way i'm 18 years old anyone able to enlighten me?""

Liability insurance for small pizza delivery business?

Do I need any kind of special liability insurance for a small pizza delivery business? My delivery drivers will drive their own insured cars not company owned vehicles.

I need affordable pet insurance for my dog any suggestions. I cant pay more than 20 monthly right now?

Can anyone tell me the average cost of sr22 insurance in Arizona?

I've been searching the web and I can't seem to find the answer.

Insurance on Mitsubishi Eclipse RS?

Right now Im a 17 year old male. I just got my stage 2 license so I can finally drive alone=D Now I'm looking to get a car. Right now I have my eyes set on a Mitsubishi Eclipse RS for the nice look, but not having too much power that would boost my insurance. I was suppose to get a mustang GT form my step dad but thats WAY too steep for me. The Mitsubishi RS has 140 HP w/ a 4cyclinder 2.0 lit engine. Would this be a good car to start with on insurance rates/would being in the national guard reduce my rates?""

How do I advertise to people in California qualified to buy car insurance?

For the best insurance coverage all you need is a fax machine and a genuine need and intention to buy auto insurance now.

Health insurance?

i need health insurance that is affordable to me. i am willing to spend 30-100 dollars a month. i just basically want something to cover my dental and doctor . it can be network far as i car i dont really need ppo. i also want it to cover some of my presciption.

Can I get car insurance without a valid driver's license in the state of Delaware?

1. My License was suspended due to an ERROR that involves the Division of Child Support Enforcement... 2. My Ex-Husband said he will pay for my car insurance if I transfer the car title & registration into my name (knowing that my license is temporarily suspended). 3. * My Ex is a Wilmington Police Officer in the state of Delaware. * 4. I believe my Ex knows that I will not be able to get car insurance (due to the fact that he is a Police Officer), therefore, that is why he is willing to pay for it. 5. Any help will be greatly appreciated!... Thank You!!!""

Car reg not bringing up my car on insurance companys?

hi iv been looking at buying a 1.4 clio 3 door but when iv been online to get a quote for the insurance when i put the registration in it brings up a 1.2 clio 5 door... what does this mean is it normal that they sometimes get that wrong or could the registration plates have been swapped it just seems a bit weird so would like some opinions, thanks :-)""

Health and life insurance the same?

I am looking for insurance for my family. I would like to know if health insurance and life insurance plans are the same or not?

How do I cancel my life insurance policy?

I just turned 19, my life insurance policy just started and I don't want it. I know that you can cancel it by stop paying for it, but what if it's connected to my bank account?""

How much would health insurance cost?

For a single person? I'm 18 and am in great health. I really only ever go to the dermatologist once a year. Thanks!

How much does auto insurance cost?

Car insurance commercial ideas?

i have to make a script for a commercial about car insurance and i need some ideas of what to do.

How much is AAA insurance?

I'm 17 I live in California. I have a license already I drive when my parent's are in it. But I need the car for school. I was wondering how much does it cost to be added into my parent's insurance to be listed as an authorized driver?

I am Looking for Affordable Health Insurance Services in Illinois?

Hello, Friends, My Cousin and her husband are planning to shift in Illinois, in the next month. We required complete guideline regarding Health Insurance and missing open enrollment. Also, we need to find that if we are eligible for subsidy? Please help if anyone knows. It would be great full. Thank you :)""

Yes/No: Do you have health insurance?

Gibbon Glade Pennsylvania Cheap car insurance quotes zip 15440

Is an international student considered a 'resident' (for car insurance purposes in the UK)?

Every car insurance comparison website and company seems to insist that I be a UK resident in order to obtain a car insurance quote. What does 'resident' in this context mean? As far as I know I've never applied for residency. I am a foreign student in the UK, studying in a UK university on a student visa which expires at the end of my course. is that considered a resident? if not how does a non-resident get their car insured? I'd really appreciate any helpful answers""

What is the difference between home insurance and buildings and contents insurance?

hi. I will soon be moving into my first house with my girlfriend and its all new to me. We have been told we need a few insurances. Is there a difference between home insurance and building and contents insurance? or are they both the same thing? will they cover leaks, fire, structural damage, theft, boiler etc The house is in Newcastle UK. I would appreciate any help thank you

How much would it cost to insure a 1995-2000 Ford Mustang?

Something with around 80k-100k miles. Everything stock no mods or tuning. Not convertible. Im 18 so i know itll be a decent amount. Im going to have my dad co sign on the car to help lower the insurance. Itll be used for maybe 3 times a week and ill put maybe 5k a year on it. Im on gieco currently and they wont give me an accurate qoute and i know you wont really be able to but if you give me the same number itll be the set amount ill asume. Thanks

Insurance plan for emancipated teens?

So I'm leaving for Texas/Mississippi this summer and if I enjoy it down there I would be able to live with my sister and be able to go to school . . . but the thing is my parents don't know if I would be able to go to school down there without them signing the forms and what not since they live up here in Oregon . . . I'm 17 I'll be 18 in about 8 months but till then my mom was considering giving up legal rights to me (not because of family issues) so that i would be able to sign the forms myself yada yada yada now the thing is if there rights are terminated I will no longer be on there health plan or any insurance I honestly know for a fact that I'm not able to provide myself with insurance and any other adult type amenities I'm wanting to get my HS diploma and go to collage and become a Elementary Teacher for underprivileged children in Mississippi and or Texas so is there any insurance plans that help with kids who no longer have legal guardians but can't afford it? or is it possible for me to enroll into a high school that isn't in my own state and if so how!?

Good Health Insurance for individual?

I'd like to know if there are any affordable health insurances that can cover, at least in most part, doctor visits, low cost prescriptions and sometimes specialist visits. I don't go to the doctor very often, I can spend a year or more without a visit but I still need the insurance. I have a part-time job which doesn't offer me any benefits so I'm on a budget when it comes to health insurance. I am still considered dependent but a family health plan is not an option at the moment. Any good health insurance that is affordable with a part time job in Florida?""

Best health insurance plan for a low income individual?

Looking for the best health insurance plan for a 26 yo old single femail in tennessee. $30k/year job, minimal health problems, need medical, prescription, dental, and vision coverage. Paying $208/month currently and need better coverage. Please sends me in the right direction guys :)""

Best and cheapest car insurance?

im 39 yrs old and got a new civic hybrid 2010 and my husband car is a 2001 BmW330

What company has the least expensive auto insurance for young drivers?

Does anyone know of an insurance company that is reasonable with it's rates for a young lady driver with a good driving record but bad credit? Full coverage is needed on the vehicle. Thank you for your time and your answers.

""I crashed my car and wrote it off, is it worth claiming on my car insurance?""

I was driving down the road and the rear tyre blew out which sent me accross the road into a tree then catapulted me into another tree into a ditch. The car is a write off! luckily i only have very bad whip lash and bruises. The car is only worth book price of 500 max, i have 4 years no claims. Is it worth claiming on the insurance or not I do have Fully comprehensive. Can i get anything for personal injury as i am unable to work at the moment. Not to mention i need to purchase a new car. Any help much appreciated.""

Which do you think would be cheaper on insurance.?

For a 17 year old Provisional licence driver in Ireland.? 2005 Nissan Almera 1.5L saloon or 2000 Honda Civic 1.3L Hatchback I know the Nissan has a bigger engine and is a saloon but will they think im a boy racer because of it being a Honda civic.?

What do you wish your insurance agent would do for you?

Aside from the impossible, what do you wish your insurance agent would offer, help with, take care of for you or do differently?""

Is this insurance Fraud?

My Fiance and I have very expensive car insurance right now and when we went to change companies the company we were at (its a certified insurance company) wanted to keep our business so they made our insurance allot cheaper by saying we are married, but we are only engaged. Can we get in trouble for this? Is it insurance fraud.""

Best health insurance for bariatric surgery?

I live in Florida and am trying to have bariatric surgery. What company's will pay for the surgery in Florida?

Would it be cheaper insurance on a small van compared to a small car?

I am now older enough to drive, I have been looking at cars. And, I was just wondering if it would be cheaper when it comes to insurance if I buy a small van (http://www.wisebuyers.co.uk/vans/300/Ford/ford_escort_van_1.jpg), instead of buying a small car (http://4.bp.blogspot.com/-3oRG_dt7j3k/TkgXL5ZmbRI/AAAAAAAACDg/zQL9eZiCJ-w/s1600/fiesta-13.jpg)? Thanks, Chris :)""

Why is motorcycle insurance so expensive?

...for so many people. I see complaints everywhere about sport bike insurance being so crazy. I just bought my first bike, 2 months ago. 1 month after getting my license. I'm 18 years old. My first bike was a 2004 Yamaha R6. I used Progressive online and put in everything accurately, driving history, motorcycle history (0 years), first bike being a 600cc sport bike. And I got quoted 300 dollars a year... bought it in full. Why is it so expensive for others with good history?""

Question about car insurance?

Is car insurance cheaper the older the car is or is it the other way around?

How can an 18 year old get dental insurance in the state of texas?

I just turned 18 and i want to get all my insurance started. so in the state of texas, how can i get dental insurance.. i really need to fix my teeth without burning a hole in my pocket.""

Blackjack: What is insurance?

How much does the player put down for insurance, and what do they win? Also, if their is anything else about it, I'd like to know that too.""

Home business and home insurance?

What's the risk when running a home business if your home insurance provider (not business insurance) become aware of your home business operations. What will happen and/or can happen. If you have a business insurance can your home insurance premium go up as a result of having a home business?

Car insurance question - backed into someone?

This afternoon, I was backing out of a parking spot in a crowded lot. I was going under 5 mph and backed into someone. There was a very small dent in their bumper in front of the passenger tire. No damage to my car. They pulled over. I gave him my name and phone number and told him to call me. He said they would probably pull the dent out themselves or that it couldn't cost more than $100 to fix . I didn't get any of his info and only gave him my name and phone number. After I left, I started to regret not getting his info. I'm trying to decide if I should report it to my insurance company now or wait to see if he calls me. Any advice?""

""Founders insurance refuses to pay for an accident, how do we get them to pay?

my friend got rear ended and the hit was so severe they bumped into the person in front of them and the car at fault ha founders insurance wont pay they have to cover medical expenses as well as the car being totaled..they refuse to answer their phones or return any calls at all. i looked up the reviews for the company and everyone says they suck...so now my question is now how do we get them to pay for the car and medical expenses its been a week now and nothing

What is the best insurance for a 16 year old?

Got limited money

Can I own a car with no insurance?

I'm sixteen and looking to buy a car. I'll have a license in about 4 months, but I want to buy a car first - that way I'm good to go. Is it legal to let my car sit in my garage or driveway for a few months without insurance or plates? I know plenty of people who have had cars before they've had licenses, but I want to make sure I'm not breaking any laws. I live in Connecticut. Thanks!""

Cheap car insurance in england for 17 year olds ?

who is the best company to go by for cheap car insurance for young drivers ? i heard quinn was the best, but theyve recently gone bust so there no longer insuring. So i need a different company that wont extort me ! lol...so yeah, any websites, or company names or anything will be very helpful !.....thanks !""

""On average, how much is motorcycle insurance in Ontario?""

I'm 19, new rider, live in Scarborough Ontario. As a car driver, never crashed before Planning to get either a GS650F or SV650SA If possible could someone share their own experience on motorcycle insurance and how much it might cost. Some of my friends told me it's cheaper than car insurance while others told me its twice as much as car insurance""

Gibbon Glade Pennsylvania Cheap car insurance quotes zip 15440

How much do you think i'll be paying for car insurance?

I'm 16 from Massachusetts, and i'm going to be getting my license next month! I have saved enough money and i'm going to be buying a volkswagen beetle from the year 2000. how much do you think i'll be spending a month on car insurance? i took drivers ed so that could help.""

Cheapest Car Insurance And Best car to get at 17?

Hello Guys, ive just passed my dirveing Test :D I Got a Pass Plus Witch aprently makes Insurance Alot cheaper. Anways, ive been on all the big sites such as Confused, moneysupermarket ect. And they are offering me around 8Grand for a 0.9l Fiat Cinnequento I dont want that car i just tested to see how much. I really need somewhere cheaper. so could you guys give me best car to try get insured on and where?""

Car insurers recommendations?

hi there people, Since passing my test in December, I have been looking to buy (and insure) a car. Shortly I will be able to afford a little run around and have been getting insurance quotes for cars like the Fiesta and Corsa. I have noticed that over the last few months comparison site quotations have jumped from an average of 1800 to 3000 for someone in my circumstances. I have read and understand why car insurance has been hiked up, no win no fee claims are more popluar, fraud and bogus claims and economic recession are responsible for a massive increase in car insurance premiums...Im so angry at these things. I cannot believe this as I though 1800 was extortionate to begin with. I have found Elephant insurance who are quoting me reasonable prices however, back to around the 1800 mark. Please can you recommend any other good car insurers for first time drivers. I am 33 and live in Manchester England. All the big name insurance sites that appear on comparison sites see like a rip off, so any smaller insurers you have had experience of would be useful;, Thanks.""

Good renters insurance/ car insurance?

i'm looking into getting a car before i move to tampa, fl in the winter. i'm on the waiting list for an apartment but i'm going to need renters insurance as well. it's my first time living on my own so i'm not exactly gonna be over flowing with cash. i'm looking for a cheep company that can cover my car insurance and renters insurance, is cheep, and will cover my 83lb dog (a non-vicious breed).""

Can you buy health insurance in California if you don't have a Social Security number?

It seems like in the USA, you can't do anything without a social security number... Can you buy health insurance in California if you don't have a Social Security number? If yes, please let me know where/how? I won't be able to get a social security number for another 6 months or so... Thanks in advance!""

What is the best type of renter's insurance?

Whats is the best rental insurance for an apartment? What does it usually cover? The apartment rent will be $280 in Birmingham, AL. Is the best insurance to get the type that would cover most belongings and people incase of an accident wether it was by a person on purpose, accident, or a weather related incident? If you have renters insurance do you pay monthly or a one time thing up front if you are on a year lease?""

16 yo male car insurance cost?

I will be driving my moms 2011 ford fiesta i have taken drivers ed i live in Ohio and the good student offer wont use how much does drivers ed take off

What kind of car insurances exist?

I know there is the one required by law, the liability, in which you'll cover another car's damage, and one where you ensure your own car (I don't know the specific name of it). What other kind of car insurances exist, and what are they called?""

How much money does car insurance go down when you turn 17?

I'm 16 years old and turning 17 in a few months. I am currently paying about $435 for insurance in a 6 month period. Will that rate decrease when I turn 17, not having any tickets or accidents?""

What car insurance is best/cheapest?

I am going to be getting a used car from my uncle and would like to know your opinion on what car insurance to get. My parents wont put me on their plan(this is my first car btw) so I have to get my own. I need a cheaper plan considering I only work during the summer as of now(thinking of getting a job on my college campus next semester). Any help would be good(your experience etc) I tried going onto the General insurance website(commercials say their cheap) for a quote but they keep on sending me to a Geico website, has anyone else had this problem? Thanks in advance for answering.(BTW I am a girl, I know that we get cheeper insurance typically for some reason lol and I also went through drivers ed in the past and I know most companies will give me a discount for that)""

""I want to buy a traders insurance policy, how much about?

im 32 female and want to start buying and selling cars but i need an insurance policy to suit. il prob be buying 1 or 2 cars a week. how much should my policy cost? i have been driving for over 10 years with 7 NCB

Motorcycle insurance?

about how much should it cost?

Buying a new/used car & insurance?

Okay, if you are buying a new/used car will they refuse to sell it to you if you have a warrant? How about insurance will the insurance company refuse to insure you & your vehicle if you have a warrant?""

Car insurance question?

I know it could be inaccurate I just want a general answer. So my brother is 18, has a 2000 celica, he has liability on my dads insurance plan and his cost $100 a month.. If I was to get a 1998 323ci bmw with liability and im 16 years old, will it also cost $100 a month? Or would it be a bit higher cause its a BMW.. if so how much higher do you think""

""How can i set up my own Car Insurance, that i can sell to people....?""

Hi were i live there is this guy that sells day car insurance to youngsters for 40 a day. He insures anybody under any car for 40 as long as they have a driving license, and i really wanted to know how i can get into some of this action. This guys is making a hell of a lot of money, his office is rammed with people everyday wanting day insurance. I wanted to buy my own policy that could sell to people for a day, for a fee of course. Could anyone help on how i can set this up, and what kind of money i would need to set it up. Thanks You""

Best Car Insurance For ME?

I am nineteen years old, have a child, am married, and am in college. Does anyone have any recommendations on CHEAP car insurance? I plan on getting a used vehicle that I can pay cash for on the spot.""

Cheap subaru impreza insurance?

has anyone got a scooby? any recommended insurance companies? just brought my first one. a 1993 WRX import. im 29 with 11 years no claims. best i can find is with the AA for 664 with 450 excess. are there any places that specialize in imports that could beat that? cheers!!

16 year old insurance on Bike (CBT) UK?

Heres the thing, i can afford a bike and ive been considering an Aprilia RX 50 Or a Suzuki TS 50, but the insurance is through the roof in price, my average quote fire and theft is 450 ish any ideas who to go with in respects of insurance companies ? thanks live in the (UK)""

Can anyone recommend a cheep and reliable car insurance in New Jersey?

Does premium payment depend on the area you live in. Would my car insurance be cheaper in Hudson or Bergen county? Any pointers ly and advice would be greatly appreciated.

I can't afford my car insurance...?

I need transportation so I can work. But why should I have to choose between car insurance or food and medicine? Shouldn't the Government come up with a single payer plan for automotive insurance too! Its not fair that I have to pay for this out of my own pocket.

Allstate insurance?

does allstate have medical insurance

Whats the cheapest place to get insurance?

I got a 01 kia optima im 23 years old, male, and paying about 100 dollars a month for full coverage. Company: American Family. Any better deals""

Drive without car insurance?

My car insurance just expired I can't reinstate it until I get paid on friday I only have 88 dollars until then. I don't have to drive anywhere until then But I don't have any food or toiletries. The store is 1 mi each way from my house I don't have anyone to take me to the store. Would I likely be ok if I took myself?

Are these the ways to reduce my Car Insurance?

I found this article on ForbesAutos.com about best ways to reduce my car insurance. Is this true? http://www.forbesautos.com/advice/toptens/ten-ways-to-lower-your-car-insurance.html?partner=yahooa

How can I get antidepressants without insurance?

Is it possible to get them through the hospital or a clinic? Or do I need to have a family doctor or GP I'm 18 and have no insurance **I am not a junkie either

Gibbon Glade Pennsylvania Cheap car insurance quotes zip 15440

Life insurance in depth?

how do insurance company's find out you have multiple life insurance policies if you say you don't have any

Do I need insurance to drive my own car with a permit in Arizona?

Can I use my own car or do I have to use my parents car with a permit?

""Hi fellow seniors, do you have household insurance?

With so many thefts of late and now mass flooding in and around the UK I hear so many cases of people being out of pocket as they're uninsured. Thankfully hubby and I can just about afford to pay it and so far so good we haven't needed to make any claims. With insurance costs at a premium I wonder just how many of you can afford it?

Typically how much does it cost to have renters insurance?

How much will insurance cost a 16 year old thinking of buying a mustang.?

I am 16 years old and have had my lisence for 5 months. I am thinking of buying a 1998 mustang. I have never had a ticket or been pulled over. Never been in any kind of accident. I ...show more

Is there a motorcycle insurance company in ontario that can give rates similar to progressive?

PLUS they have to be able to insure 16 year olds, and the rate i got from progressive was 1800$(thats reasonable..and its not full coverage its the middle one),, i have m1, and have a 08 zzr600""

Health Insurance for Newborn baby?

I get health insurance through my job but I think I can get a better quote than what they offer if I go about it independently. What suggestions do you all have in terms of a good health insurance coverage? Is it best to have a higher deductible and lower premium or vice versa for a newborn? I want what will be the best for him but the most affordable for us. Thanks! :)

General Liability insurance?

How much will General liability insurance cost for my company? We have been incorporated for 2 years, with no claims against us. We are a parking revenue and security company. I have called dozens of brokers. i just need a ball park so I can tell if i am being ripped off. We have insurance now but feel it may be to high. Please advise""

What is the best type of life insurance to purchase?

I know nothing about life insurance but I would like to buy some to assure me and my kids will be taken care of in the event my husband passes. He only has one 1 issue which is Rheumatoid arthritis, otherwise in good health. . Me and my husband are both close to 50 years old. What is the best insurance to purchase? I know that term insurance expires. Does that mean if you do not pass within the term you do not get any money back that you have paid into it?. Thinking about a 250.000 dollar policy. Thank you.""

How can i find out if someone has insurance on me?

life insurance police

Does anyone know anything about Life Insurance?

I heard on the news that some life insurances might be in trouble..especially if they dealt with AIG. I have life insurance with AARP...Please tell me if I am in danger of losing it....What is the matter with people...Why are they so evil and greedy??? How would I find out if my Life Insurance si still good??

Is There an Affordable Dental Insurance Plan Available??

I would like to have my teeth worked on however I do not have dental insurance, are there any good ones?""

How do obese/fat people get health insurance?

I am self employed and live in missouri and am having trouble finding health insurance.

What is the cheapest insurance company for 17 year olds?

im 16 but will be turning 17 in a few months. to get ahead of the game and in the know i decided to start looking at cars and insurance straight away. my car of choice would be a 1995-1999 Vauxhall corsa 1.0 0r 1.2 litre as they cheap to buy, run and supposedly insure. ive looked around for insurance qutoes for myself when i turn 17 and recieve my full ik license but all quotes so far are above 4,000 even with a pass plus. is there any companys to get it below 3,000 or anywhere close. i realise i am never going to get cheap insurance straight away but i would consider 3,000 a much more reasonable quote and would love it to be closer to 2.000. also any tips or advice on getting cheaper insurancewould be greatly appreciated thanks guys""

Question about Car insurance?

Ok, My husband has a 2000 Ford Ranger and the back drivers side rear window got busted out by a baseball(it was an accident) and he has insurance through Geico, well it says on his comprehension coverage that he has a $500 deductable, so what does that mean? Will we have to pay $500 to get it fixed?""

How is mandating health insurance like mandating auto insurance (according to Obama)?

Auto Insurance: If I don't want auto insurance, I don't have to drive. Auto insurance is a CHOICE. Health Insurance: Will be the only thing somebody HAS to pay simply for being alive in America. Some people do NOT agree with ANY main stream health practices like myself. I would NOT go to a doctor even if I was on my death bed. Comment: Does it concern ANY of you that this mandatory health insurance will be the FIRST thing the government REQUIRES you to buy. Even Taxes are a choice. Some people chose to work for goods and barter (Amish). Isn't this America, where I can choose to seek alternative health rather than be forced to pay for something for merely being alive? Also, what about Church of Christ Scientists - Why force people who are religiously opposed to our health care system to buy health insurance. Many Christ Scientists will die before they seek main stream health. This plan makes me sick.""

""Help selling a car to an Italian, Insurance problems.?

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https://www.linkedin.com/pulse/where-can-i-find-affordable-health-insurance-george-clark/"

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cashcounts · 7 years

Text

Ghosts in the Machine

In a brightly lit office, Joy Buolamwini sits down at her computer and slips on a Halloween mask to trick the machine into perceiving her as white.

For Buolamwini, a black PhD student at MIT’s Center for Civic Media, electronic racial deception is sometimes the most efficient way she can do her job. Buolamwini’s research focuses on facial analysis, a suite of technologies used in everything from auto-focusing smartphone cameras to advertisements to border security. But there’s a problem with many of these algorithms—they sometimes can’t detect Buolamwini or people who look like her.

Joy Buolamwini often tests her software using a mask to overcome biases encoded in facial recognition algorithms.

That’s because facial detection algorithms made in the U.S. are frequently trained and evaluated using data sets that contain far more photos of white faces, and they’re generally tested and quality controlled by teams of engineers who aren’t likely to have dark skin. As a result, some of these algorithms are better at identifying lighter skinned people, which can lead to problems ranging from passport systems that incorrectly read Asians as having their eyes closed, to HP webcams and Microsoft Kinect systems that have a harder time recognizing black faces, to Google Photos and Flickr auto-tagging African-Americans as apes.

Coded machine bias can work against lighter-skinned people as well. Research shows that some facial analysis algorithms built in Asia tend to perform better with Asian faces than Caucasian ones. Algorithms may also show accuracy rates that vary along age or gender lines.

As computer vision systems become more widespread, these demographic effects can have serious consequences. A seminal 2012 study of three facial recognition algorithms used in law enforcement agencies found that the algorithms were 5–10% less accurate when reading black faces over white ones and showed similar discrepancies when analyzing faces of women and younger people. A 2010 analysis by the National Institute for Standards and Technology (NIST) found that for some algorithms the opposite was true, that people of color were more easy to identify than Caucasians. But both studies showed that facial recognition programs aren’t equal opportunity. Bias in algorithms extends well beyond facial recognition, too, and into things as disparate as car insurance rates and recommendations for criminal sentencing.

Joy Buolamwini wasn’t aware of these issues when she first encountered algorithmic bias as a computer science major at the Georgia Institute of Technology. Working on a research project that involved teaching a robot to play peek-a-boo, Buolamwini noticed that the robot had no trouble detecting faces of her light-skinned roommates. But under the same lighting conditions, it didn’t work as well for her. She encountered the same problem in 2011 with another robot, but she didn’t think much of it until she began working more directly with facial recognition at MIT. One of Buolamwini’s early projects—a system called the Aspire Mirror that layers inspirational images, quotes, or even other faces over a reflection of the user’s face—worked well for users with lighter skin, but not so much for the woman who built it.

“I was getting frustrated. I drew a face on my palm and held it up to the camera and it detected the face on my palm. I was like ‘Oh this is ridiculous,’ ” she says. “Just being goofy, I put the white mask on to see what would happen, and lo and behold, it detected the white mask.”

Flawed Benchmarks

Facial analysis bias remains a problem in part because industry benchmarks used to gauge performance often don’t include significant age, gender, or racial diversity. For example, one popular benchmark for facial recognition is Labeled Faces in the Wild (LFW), a collection of more than 13,000 face photos. Tech giants including Google, Facebook, and Baidu—as well as a variety of smaller companies—have used the data set to measure algorithmic performance. LFW includes photos that represent a broad spectrum of lighting conditions, poses, background activity, and other metrics, but a 2014 analysis of the data set found that 83% of the photos are of white people and nearly 78% are of men. “It’s not necessarily diverse identities,” Buolamwini says.

A sample of faces from the research dataset known as Labeled Faces in the Wild.

Erik Learned-Miller, a computer science professor at the University of Massachusetts, Amherst, who co-created the data set, agrees that benchmarks like LFW “cannot be depended upon to evaluate algorithms for their fairness in face identification.” When LFW was released in 2007, he says, that was never the intention. Learned-Miller says that it’s critical for facial recognition vendors to conduct “exhaustive evaluations” of the technology’s accuracy—and not just on one group of users. But he suspects that many don’t as there are few financial incentives to do so.

How bad is the bias problem? There isn’t a lot of research on the subject. There’s “limited evidence” of bias, racial or otherwise, in facial analysis algorithms, in part because there simply haven’t been many studies, says Patrick Grother, a computer scientist specializing in biometrics at the National Institute for Standards and Technology and lead author of the 2010 NIST study.

“There are anecdotes that certain people have trouble using them,” he adds. “But nobody has formally quantified it, and to formally quantify it, you would need a large amount of data.”

Buolamwini is one of a growing number of researchers fighting the problem. She is joined by a team of volunteers who support her nonprofit organization, the Algorithmic Justice League, which raises awareness of bias through public art and media projects, promotes transparency and accountability in algorithm design, and recruits volunteers to help test software and create inclusive data training sets. Buolamwini’s goal isn’t just to improve algorithms—it’s also to make AI more understandable and accessible to everyone.

“This domain of algorithmic bias is inhabited by the digerati or the Brahmin high priests of tech,” Buolamwini says. “But these aren’t necessarily the people who are going to be most affected by the decisions of these automated systems…What we want to do is to be able to build tools for not just researchers, but also the general public to scrutinize AI.”

Bias Busters

Exposing AI’s biases starts by scrapping the notion that machines are inherently objective, says Cathy O’Neil, a data scientist whose book, Weapons of Math Destruction: How Big Data Increases Inequality and Threatens Democracy, examines how algorithms impacts everything from credit access to college admissions to job performance reviews. Even when parameters that guide algorithms are completely reasonable, she says, discriminatory choices can still sneak in through the cracks.

“When you make reasonable choices without thinking very hard about them, you’re automating the status quo, and the status quo might be unreasonable,” she says.

If, for example, a company wants to automate its hiring process, it might use an algorithm that’s taught to seek out candidates with similar profiles to successful employees—people who have stayed with the company for several years and have received multiple promotions. Both are reasonable and seemingly objective parameters, but if the company has a history of hiring and promoting men over women or white candidates over people of color, an algorithm trained on that data will favor resumes that resemble those of white men. Rejected applicants will probably never know why they didn’t make the cut, and it will be tough to hold anyone accountable since the decision was machine-made, not manmade, O’Neil says.

NIST computer scientist Ross Micheals demonstrates a NIST-developed system for studying the performance of facial recognition software programs.

O’Neil adds that algorithms don’t need explicit data on race, gender, or socioeconomic status to exhibit bias. Risk assessment tools used in commercial lending and insurance, for example, may not ask direct questions about race or class identity, but the proprietary algorithms frequently incorporate other variables like ZIP code that would count against those living in poor communities.

Credit scores are another data point that can allow bias to creep into algorithms. In 2015, Consumer Reports published the result of a two-year-long investigation into car insurance pricing. They analyzed more than 2 billion price quotes across approximately 700 companies and found that a person’s financial life dictated their car insurance rate far better than their driving record. Credit scores—which are affected by factors related to poverty but often not related to driving—factored into these algorithms so heavily that perfect drivers with low credit scores often paid substantially more than terrible drivers with high scores. In Florida, for example, an adult driver with a pristine record but a low credit score paid $1,552 more on average than a driver with great credit and a drunk driving conviction.

When practices like this are automated, it can create negative feedback loops that are hard to break, O’Neil says. Higher insurance prices for low-income people can translate to higher debt and plummeting credit scores, which can mean reduced job prospects, which allows debt to pile up, credit scores to sink lower, and insurance rates to increase in a vicious cycle. “Right now we have essentially no rules or regulations around algorithms, about the accountability of algorithms in particular,” O’Neil says.

Just knowing when an algorithm has made a mistake can be difficult. Last year, the investigative journalism nonprofit organization ProPublica released an analysis of COMPAS, a risk assessment tool that evaluates criminals to determine how likely they are to commit future crimes. They compared predicted recidivism rates of 10,000 criminal defendants in Broward County, Florida, with whether the defendants committed a crime over the next two years. The algorithm was equally accurate at predicting recidivism rates for black and white defendants, but black defendants who didn’t re-offend were nearly twice as likely to be classified as high-risk compared with similarly reformed white defendants. By contrast, white repeat offenders were twice as likely to be erroneously labeled as low-risk.

Equivant, the company behind COMPAS, rebutted ProPublica’s findings, and a separate analysis by Community Resources for Justice supported Equivant. ProPublica countered, but sussing out who’s correct underscores a major obstacle: Assessing an algorithm’s fairness depends on having an agreed-upon definition of fairness. In situations where there are multiple potential outcomes, as is the case with COMPAS, it may not be mathematically possible to assess different groups in various scenarios, concluded an independent analysis by researchers from Cornell and Harvard.

“Everybody is in some sense right,” says Andrew Selbst, an attorney and postdoc at the Data and Society Research Institute who specializes in legal questions surrounding big data and machine learning. “The real issue is that we have, for a long time, been able to avoid being very clear as a society about what we mean by fairness and what we mean by discrimination.”

Law and Order and AI

There are laws that could provide some protection against algorithmic bias, but they aren’t comprehensive and have loopholes. Current anti-discrimination laws in sectors like education, housing, and employment prohibit both intentional discrimination—called “disparate treatment”—as well as unintentional “disparate impact,” which happens when neutral-sounding rules disproportionately affect a legally-protected group. (It’s currently against the law to unintentionally discriminate on the basis of sex, age, disability, race, national origin, religion, pregnancy, or genetic information.)

Proving disparate impact is notoriously difficult even when algorithms aren’t involved. Plaintiffs must first prove that they were disproportionately and negatively affected by a policy or practice. If discrimination is job-related, for example, the disparate impact would only be illegal if there were alternative hiring methods that were equally effective without being discriminatory. With algorithms, Selbst says, clear alternatives may not exist.

“If someone had actually stepped up in the making of this and tested several different versions of the [software], then there would be alternatives and you should choose the one that’s the least discriminatory and most effective,” Selbst says, adding that organizations often don’t have incentive to fully evaluate software for fairness concerns. “If we want to have best practices, we should be testing a lot of versions of the software and not just relying on the first one that we’re presented with.”

Since algorithms are proprietary and frequently protected under non-disclosure agreements, organizations that use them, including both private companies and government agencies, may not have the legal right to conduct independent testing, Selbst says.

“It’s not completely clear that the companies or police departments or judiciaries that buy this software from these companies have done any testing whatsoever. In fact, it is clear in many cases that they don’t, and they’re not allowed to,” Selbst says.

The ability to audit an algorithm would answer some questions about bias, but there’s a group of algorithms that are moving beyond our current abilities to analyze them. Artificial neural networks are one example. They are fed huge amounts of data and, through a process of breaking it down into much smaller components and searching for patterns, essentially come up with their own algorithms, which could potentially be incomprehensible to humans.

Computer scientists have also developed artificial neural networks that can write new AI programs without human input. Just this month, Google announced a major advance in this field—a system that writes its own machine learning code, one that out-performed code developed by its own makers.

Ben Shneiderman, a computer scientist at the University of Maryland, says that greater automation means greater concern over whether machine-built algorithms will exacerbate the bias problem.

Machine-built algorithms are “somewhat more concerning because if you’re automating a process, then you’re reducing the opportunities for a human being to check the bias,” he says. “The central technical improvement I’d like to see is a log of the actions of the algorithms in a way that’s interpretable and explainable.”

Explaining AI

Some researchers are working on that problem. Last May, the Defense Advanced Research Projects Agency (DARPA), home to the U.S. government’s most top-secret research and weaponry programs, launched a four-year initiative to encourage the development of new machine learning techniques which produce algorithms that can be understood by users. The 12 research teams received contracts under the Explainable AI program aim to help military forces understand the decisions made by autonomous systems on the battlefield and whether that technology should be used in the next mission, says David Gunning, Explainable AI’s program manager.

Some Explainable AI teams are adopting what Gunning calls a “model induction” approach that essentially reverse engineers how an algorithm makes a choice. Instead of starting with the algorithmic recipe itself, these teams are building software programs that run millions of experiments that compare the data going into the system with the decisions that come out in hopes of finding enough patterns. From that, they’ll create a model of what they think is happening in between.

Explainable AI’s products aren’t being designed to root out bias, but what results from this program could help researchers evaluate algorithms and spot bias in the future. Gunning is quick to point out that the Explainable AI program has only just begun— right now, no single strategy looks more promising than another—and that there will perhaps be some aspects of artificial intelligence that we will never understand.

“I don’t think we’ll ever create perfect explanations for the most complex machine learning systems,” he says. “I think they’ll always be inherently difficult to explain.”

Overseeing the Indecipherable

That’s one reason why some are encouraging researchers and programmers to consider bias as they’re building tools. One group, the Partnership on Artificial Intelligence to Benefit People and Society, brings together academics, ethicists, and representatives from Amazon, IBM, Facebook, Microsoft, Google and Apple to hash out best practices. Other organizations like the AI Now Institute have issued recommendations for AI researchers, developers, and policy makers while agencies like the National Institute of Standards and Technology are beefing up their programs for rooting out bias. Starting this past February, NIST began offering evaluations of facial recognition technologies on an ongoing basis rather than every two to four years. This allows developers to continually check how their algorithms perform across diverse data sets.

Shneiderman says programs like this are a step in the right direction, but voluntary quality controls are not sufficient. He has proposed establishing a National Algorithm Safety Board which would oversee high-stakes algorithms and investigate problems. Operating similarly to the way the National Transportation Safety Board investigates vehicular accidents, Shneiderman’s safety board would be an independent agency that could require designers to assess the impact of their algorithms before deployment, provide continuous monitoring to ensure safety and stability, and conduct retrospective analyses of accidents to inform future safety procedures.

While Shneiderman’s proposed board, like the NTSB, wouldn’t have regulatory power, it would have significant investigative powers. “There needs to be some teeth” to the oversight board, Shneiderman says. “If they don’t have the power to investigate in a substantive way, if the people involved won’t talk to them, then there’s a limitation to how much they can accomplish.”

Some of these issues will probably be resolved through lengthy litigation, a process that’s already begun. Last year, the New York Supreme Court ruled that an algorithm used to evaluate a fourth-grade public school teacher’s job performance produced “arbitrary and capricious” results that were biased against teachers with both high and low-performing students.

For the foreseeable future, Andrew Selbst says we should expect more lawsuits and regulatory activity as the field strives to establish standards for algorithmic transparency and accountability. “All of this is cutting edge research in law and technology,” he says. “It’s all sort of up in the air right now.”

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