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ecotone99 · 4 years

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[HM] A random (hopefully funny/entertaining) tale about a young man, a Chevy Spark, a few life lessons, and a car accident.

So this was about a year and a half ago. I was 21 and desperate to get CHEAP/new car. First of all let me start off by saying I was young and dumb (still young and dumb). I tend to make irrational and quick decisions when i’m excited about something. For personal reasons that I don’t wanna get into I was not able to receive a license until I was 21. So when I finally got my license I needed, let me re-phrase that...had the biggest urge/desire to buy a car like the day before my license came in the mail. Also getting a car would allow me to start a new career.

Now for financial, and impatient reasons I was going to finance the car. Now when I say finance I really mean have the LOWEST monthly payment possible. My job requires me to drive 100-200+ miles a day mostly highways so leasing was out of the question. I also did not, and still do not want to buy used. Which is a whole separate argument for a whole different day. Anyway I was literally looking for the cheapest 2018 model car ever created.

It’s a week before fourth of July and the cheapest car I could find was a 2018 Chevy Spark for around 13k. I figured what the hell I’ve waited 21 long years on my skateboard I can wait another week to try and get the “fourth of July deals” to increase my wheel size from 59mm to 200mm.

Boom after checking “cars.com” everyday, on July 7th 2018 I pull up with my dad to a chevy dealership 90 miles away from home. Me, feeling like a Russian mobster (I’m Russian haha) on the outside, and as excited as a young school girl on the inside walk inside with my dad. I pull out my phone and show the sales guy the ad I saw. 2018 Chevy Spark for $10,001 in a lightish blue.

Keep in mind I did NO research. I read NO reviews. My mind was set on this Chevy Spark. You could tell me 9/10 Chevy Sparks are reported to have a mind of their own and drive off of cliffs at 50k miles and I would still buy it without a second thought.

Now I’m sure all of you can relate to a certain degree. You know the feeling of being so damn excited for something. The feeling of wanting something so damn bad that you would do irrational things to get it. In that moment you don’t want to hear anything negative about your decision. You just want IT. At the time it was the only thing I could afford so in my mind it was either the Chevy Spark or never drive a car again in my whole life.

Back to the dealership, the sales guy asked if I wanted to test drive it, and for that 90 second circle in the parking lot (I didn’t even take my time I just wanted to get back and sign the paperwork) I fell in love what felt like for the first time. I didn’t even fall in love with the car I fell in love with the feeling of driving hopefully my neat future car.

This is a Chevy Spark LS. I’m talkin manual windows, no power locking, no center console, cheap speakers, feel ever pebble on the road, get blown off the highway when a gust of wind or even ANY car passes by. I’m talkin a car that teaches you what claustrophobia is. A car that feels like you’re sitting inside one of those electric cars for toddlers. You get the point this was a bare skeleton with a piece of plastic around it. But I loved it.

I had pretty good credit at the time so I was able to finance my first big purchase. 7.9 APR at 178 a month. At the time thats literally all I could afford. Ya know with insurance being so stupidly expensive if you’re young. So after a long day of paperwork and the sales guy telling us he literally can’t even drop a penny off the price I drove my baby home.

Fast forward to January 1st 2020 around 5pm: “DAD I NEED YOU TO COME TO ME I JUST SLAMMED INTO A PARKED CAR GOING 60”

Okay okay I know you’re excited to hear what happens next but let me back up a little.

For my job I spend A LOT of time on the road and in my car. 200+ miles/6+ hours a day is not uncommon. I’m about 5’7 and 150 pounds so I’m not the biggest guy. I’m a nice guy, but the Chevy Spark taught me what it feels like to be uncomfortable. It taught me what anxiety is. It taught me that you can have road rage at yourself.

A little insight on my job; Im an in home sales man for home improvment. The owner of the company I work for (he took a liking to me because he is also Russian) knew I was planning on getting a car. He told me when I get a car he will train me in becoming a sales rep. Promoting me from my position as a telemarketer. So knowing this made me that much more in a rush to buy a car. We drive to appointments everyday, and sometimes just sit in the car to wait/chill in between appointments. So basically 2/3 of the work day is spent in the car, and the work days can sometimes be 9am to 11pm.

Me being naive and irrational did NOT think about these things when purchasing a car. I did NOT realize how important comfort is when sitting in the car all day. Sure the first 6 months I was so excited about having a car that I did not think about these things, but things quickly changed.

I started to get really angry and started to despise working. I would wake up KNOWING I’m about to be very uncomfortable and annoyed inside of my car.

Every detail about the car is horrible. My left elbow rested on what felt like rough old cement, and the rigid surface would leave marks on my arm. My right arm would always be itchy from the cheap cloth armrest. My left leg literally had no where to go. THE WORST PART ABOUT THE CAR THOUGH, my left knee would literally almost ALWAYS be touching the manual window roller handle. Half the time the handle was either directly on top of my knee or directly in front of my knee. I had nightmares about crashing the car only because I knew when I did that handle would be the end of my knee.

There was no storage compartments in the car. I had no where to put my phone, my change, my wallet, anything else comfortably. Because it’s a tiny hatchback my back seats would ALWAYS have to be pushed forward to fit all of my work stuff (giant bags). MEANING I could not push/lean my seat back enough. It was the equivalence to those people in the asian countries that live in the tiny apartments that look lime walk in closets.

Now I’m a music guy so listening to music is a must. Not even a year and my speakers started to blow... The speakers sounded like an old nokia phone in the first place. Or a better description would be when your earphones break so you have to pull out the old trusty $9 backup earphones from ross. Constantly I would think about installing better speakers but just never got around to me

There are 2 lessons to be learned from this pointless post, but one of them is how important comfort is when picking a car to own. I will now NEVER sacrifice comfort in the future. Not just in a car, but in anything.

Okay now....January 1st 2020 at about 4:30pm on a very main road. My new years resolution was to stop smoking cigarettes so this was day one!

So around that time of year it can get slow for my job. So as a side hustle I started doing Uber Eats. Let me take a quick second to say CHEVY SPARK DOES NOT QUALIFY FOR RIDE SHARING BECAUSE IT DOES NOT HAVE 5 SEATBELTS. I was EXTREMELY mad when I found that out AFTER I bought the car.

Since the car is so uncomfortably small it took many many attempts to find a phone mount/holder that was just okay. I finally found one that required my phone to be right in the middle. Keep in my mind this is my first day using it. Also keep in mind I am Russian and it was just new years. RIP to my liver the night before.

Here I am driving 60 on a very main road. My phone is right in the middle and I’m looking at it trying to figure out where I’m supposed to deliver this burger to. Uber eats; pick up food from restaurant and deliver to customer As I’m looking at my phone in the middle, while singing along to my music, most likely thinking about life, 100% hoping my headache would go away, wondering what my girlfriend is doing, admiring how warm my new north face jacket that I just bought is. Basically doing everything but paying attention to the road (And I’m sorry my grammar is getting worse as this post is going its 3am and I stopped caring as much LOL). I’ve been driving for a year and a half now I’m so confident in my self I can drive with my eyes closed using my feet.

Anyway, BAM I look up and my car is basically inside of an Audi SUV. “FUCK!!!!!!” “Fuck fuck fuck fuck” close my eyes cause its a dream open them cause I’m waking up after a nightmare “FUCK”

This is my first accident. I was going 60mph, at this point I’m completely speechless and very shocked. Every one always told me that car was a death wish but after about 5 seconds of stating in front of me I immediately climb over the airbags and exit the smoking, pulverized hunk of plastic.

I slammed into a parked car on the right side of the road. Really horrible too, thank you seatbelt. I don’t even know what to do in this situation so I’m dumbfounded. Witnesses are asking if I’m okay I was so all I could say was “yeah I’m okay”

I called my dad, and after what seemed like a minute he shows up. The owners of the parked car came out of the restaurant all normal accident stuff. I had a sprained finger, bruises yada yada.

Now my insurance wanted nothing to do with is since I was doing uber. I filed a claim through uber’s insurance and they said I’ll be covered. Awesome, score, BUT I didn’t know what gap insurance was at the time. I failed to do my research which I always end up having to learn a lesson cause of sometimes heedless decisions.

I had 8 thousand left to pay off my car loan and 40k miles on the car. I for sure thought it was over. I was done, game over. Every one told me the insurance would pay me 5 MAYBE 6 thousand for the car leaving my to pay off the rest.

Now I’m not religious but by some kind of mystical higher power I was blessed. I pretty much hit the jackpot. My payout was $11,200...

I purchased the car for $10,001...

I got my loan payed off AND received about 2k.

Now if that doesn’t scream second chance I don’t know what does.

To wrap up this long long meaningless story I just want to say a few things.

If you read up to this point I applaud you. It wasn’t a hell of a ride to read this story. It wasn’t the script to the next big summer blockbuster. It was more like, a carnival ride for children ages 3-6.

But there are some important lessons and morals to be taken from this. 1. Fuck the Chevy Spark 2. Comfort in a vehicle is very important 3 Do your research and please get a car that you will love even 2 years down the line. Get something you like. If you cant afford it wait until you can if you can be patient 4 GAP INSURANCE 5 Don’t make hasty decisions like me

After lots of research I am getting ready to finance a 2020 Toyota Corolla SE next week, and I’m very excited!

We live and learn. We make mistakes and we learn from them. I know when it comes to stubborn minds like myself we won’t listen/pay attention to advise that much until we have to pay the consequences. I try to listen more and look things into a different perspective as I get older because the older you get past 18 the more bad decisions screw you over. The consequences weren’t as bad as a teenager but now wrong avoidable decisions can really change your life for the worse. Adulting isn’t easy but thats just the game we call life. Goodnight ya’ll I have to be up in about 4 hours to drive my rental 100 miles to go sell some windows.

OH AND MY LEFT KNEE DIDN’T GET HURT

Ps: Still haven’t smoked a cigarette

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fadingpersoncollectorstuff-blog · 6 years

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I’m a 17 year old guy wanting to earn some extra money to help pay car insurance what can i do?

"I'm a 17 year old guy wanting to earn some extra money to help pay car insurance what can i do?

I'm a 17 year old guy i'm looking at an extra way of earning some money sensibly to help pay towards my monthly car insurance i already hold a day job any help would be appreciated thanks

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

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So when I turn 18 I want to get either a 60's Mustang or Camaro(depends what I can get in my price range near me) Anyway, I went on car insurance websites to see how much insurance will cost me. Besides Geico, Progressive, and Allstate(has back to 1970)all the other companies don't give options for cars that old. Does this mean they won't insure it? Or would I have to call them to get a quote on a 60's car?""

Ford Mustang for a 21 years girl?????

Hi I'm thinking of getting Ford Mustang 2007 but Im a 21 years old girl.. so you think how much the insurance would be?? cuz my friend told me since its a sport car. it might be around $200 a month :(

Why was my car insurance quote so cheap?

im a 17 yr old male and i have recently bought a 1.2 Peugeot 206 look for 700, i know car insurance for boys my age are stupidly expensive so when i was looking at quotes it came as no shock until i got a quote for 750 for third party fire and theft, i have no idea why its so cheap, i checked the quote through about 5 times to make sure i didn't make any mistakes but i hadn't . can anyone explain why its so low ? i don't want to buy the insurance just in case it turns out to be an expensive mistake.""

How do I get health insurance at 19 years old?

Hi I am a 19 year old college full time female student and I cannot be covered on my mom's health insurance because she is on disability. I don't have the money to just go to a hospital or even the money for gas to go to the free clinics which are 20 miles away or so. My fiance and I are needing health insurance but every time we apply we get turned down. Can anyone help us by telling me some answers?

How much would i have to pay extra on my car insurance if i added my 18 year old son?

he jus got his license a few days ago?

How much health insurance coverage do I get as a military spouse?

I am a newly married Air Force wife. I am currently enrolled for TriCare North Standard coverage for health insurance. Does anybody out there have TriCare North Standard coverage and ...show more

Car insurance by age.?

1. How much is the average payment on car insurance every month for someone who is 21 years of age? 2. Is it cheaper on your insurance to buy an old car or, is it just better to buy a fairly new one?""

Where can i locate Leaders speciality auto insurance?

Second driver for my parents car insurance?

well im a full time college student so i can't pay for my car insurance at the moment. whats the requirements for putting myself as a second driver to my parents car? ive had one car accident and been cancelled twice in my own name to 2 different car insurance. (family member passed away and i had to use the cash to go abroad) anyways.. will that effect me to putting me as a second driver to my parents car?? .. (with their name on the car) i mean.. my parents will pay for me so i dont see the problem for me getting rejected by the insurance for my prior non payment cancelation. please help me.

Does anyone know what 'excess reduction insurance' is?

Im thinking of renting a car. In the price quote it says basic car insurance is included but excess reduction isnt. does anyone know what this is? how is it different from the basic car insurance and do u know if the excess reduction insurance is also compulsory?

New driver - cheapest insurance?

Like thousands of other parents I'm looking for a cheap first car for my 17 year old daughter for when she passes her driving test. We're not in a position to buy her a brand new car, and she's happy to have an older one anyway (she has roughly 2k to spend), but the concern is the insurance! There are plenty of websites with new car insurance groupings, but can anyone please advise me of older small cars which are in the lowest insurance groups.""

""My daughter will be 26 12/6/2012, can she obtain insurance through the Affordable Care Act and how?""

My daughter will be 26 12/6/2012, can she obtain insurance through the Affordable Care Act and how? She has serious health issues and medication we will not be able to afford with no insurance.""

Whats a good affordable car insurance company in dfw?

would like to pay no more than 100 dollars a month liability but i was looking for suggestions for insurance companies for my car to check out, a company that offered raodside ...show more""

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

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

Where can I get flood insurance?

My insurance agent can't sell me flood insurance. I am not in a known flood zone. My township does not participate with the NFIP. Everyone tells me I can buy insurance but according to all the people who I have asked for it I can't get it. If you know how, let me know, please.""

What to do when rental car got damaged and I dont have insurance?

I rented a car from Enterprise and declined their insurance. I had credit card insurance. However I made a blunder of not initiating the rental in that credit card. While driving the rental car the tire blew out and the car hit the median and there is some extensive damage to the car. I am in deep trouble now as my credit car insurance will not work as I didnt initiate the car rental in that card. Is there any way that I can salvage this situation? Please help!!

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How much higher is car insurance in harris county texas vs fortbend county?

Which car insurance companies insure electric cars?

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Learners permit insurance?

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I had windows knocked out and body damage done to two trucks by vandals, the vandals were identified and police report files and charges will be pressed. I carry $1000 deductable and damage was in the range of $2000 per vehicle. Any insurance claims adjusters want to comment? PS I havent called my insurance yet, cause I know just making the call will go down as a claim .""

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I'm a 17 year old guy wanting to earn some extra money to help pay car insurance what can i do?

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Tittle say it all, best answer 5 stars""

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I need a form for allstate car insurance good student discount?

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Why is my car insurance so much cheaper than other companies?

i was looking around for auto insurance to see if there was anything cheaper than what im paying now. im a 20 year old male with a 2005 scion tc. i have been driving for about 2 years and currently use state farm. when i first insured my car 2 years ago, i was paying $148/mo. due to a speeding ticket, it has risen to $194/mo. i also have comprehensive and collision with a $500 deductible. $100,000/$300,000 coverage with full glass also. not complaining, i think this is great i looked at nationwide, allstate, geico, and progressive. these companies are supposed to be so great, but progressive quoted me at $485/mo for the same coverage! the other companies where all in that general area. progressives state minimum coverage plan for me was almost $300/mo. why do these other companies cost so much more? im not complaining about mine, obviously im not gonna switch, but i am curious as to the difference in price.""

What ammount of miles should I drive yearly to get a minimum insurance rate?

I think if you drive less than a certain ammount of miles, you get cheaper insurance. What ammount is ideal? Plus, how are an insurance company meant to know if you drive to School ...show more""

Typically Cheapest Auto Insurance Company in Massachusetts?

Suggestions anyone? Anyone shopped around and found a company that is better overall?

Which is the best car insurance coverage for an affordable price?

Right now I am insured with Allstate. I am under an Allstate plan called the gold protection plan in which I will be eligible for a new car if there is an accident. I think I am paying a liitle too much for car insurance. I have a 2004 Honda civic and a 2006 Honda civic. Both cars has full coverage. Does a two year old car need full coverage. I am a safe driver and so far there have been no accidents. But two times some one came and hit my older car and both times the damage was covered under the other party's insurance. Is comprehensive coverage enough for me or is it a good idea to keep the full coverage. Any recommendation.

Rental Car Insurance-I don't have a auto insurance.What are the coverage i have to buy from rental company?

Hi,I'm new to US.I stay in california.I want to rent a car and confused with the insurance options.could anyone help me,what are all the coverages(LDW,SLP etc) that i need to rent a car?.I don't have a personal auto insurance.""

Is a 1994 Eagle Talon Esi good for a teen Insurance and Saftey wise?

Hi I am look at an 1994 Eagle Talon and I thinking about buying it. But is it a good car for a teen just for a daily driver? How about the insurance rates will it be high?

Aren't you glad the ACA is making health insurance more affordable?

Accident damaged my car how much will insurance give me?

I have a 2004 Honda civic lx coupe and a truck back into me. It knocked off my bumper and I think did damage to the stuff that attaches it because the left side is detached at the headlight and won't pop back. Also the body part over and around the left wheel is bent under and is a danger to the tire. If I end up needing a new bumper and wheel well cover or whatever it's called how much will it cost and how much will i get. Also I have usaa butthe truck that back into me was owned and self insured by vons.

Car insurance for teens?

Can a teenager have thier own car insurance and if so what companies let them im in delaware. And which is the best all answers welcome

Can I lose my job for not having insurance?

I have heard so many different things. But I called my job today and I found out that they are offering insurance but it is to high to buy for me because it would cost $30 per week. ...show more

My parked car was damaged in a hit and run by someone who had a rental car but did not have insurance.?

The rental car company did not validate proof of insurance. The drivier gave the car rental company old and outdated insuance information and did not validate insurance coverage. Now I am stuck with a damaged and totaled car and no way to pay for damages caused by this hit and run to me.

Does anyone know of any cheap but good medical insurance?

I need affordable medical insurance!!!

Massachusetts car insurance?

I recently heard that MA IS allowing competition with car insurance companies.. YAY! However, Geico and Allstate still don't provide insurance in the state. Progressive DOES. Does anyone else know of some GOOD, reputable (car) insurance companies in MA? THANKS! :-)""

Anyone know of cheap car insurance for my 18 yr son thanks?

Question about car insurance?

k so im 16 and im about 2 get my license but im not getting my car yet but i heard that my mother would have to put me under her insurance in order for me to drive her car since im a minor or something like that is it true

I'm a 17 year old guy wanting to earn some extra money to help pay car insurance what can i do?

I'm a 17 year old guy i'm looking at an extra way of earning some money sensibly to help pay towards my monthly car insurance i already hold a day job any help would be appreciated thanks

https://www.linkedin.com/pulse/has-anyone-gotten-corrective-jaw-surgery-approved-insurance-lyons/"

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Excluded driver totaled my new car. Does his property damage liability insurance pay for my car? Any advice?

"Excluded driver totaled my new car. Does his property damage liability insurance pay for my car? Any advice?

Someone who was exluded from my car insurance drove my car yesterday and had an accident that was at his fault. He had only liability insurance with bodily damage, property damage and underinsured motorist protection. My insurance is not going to cover anything since he is an excluded driver. We live in TX, USA. Can my new wrecked car be considered as a property damage involved in that accident? The other vehicle and driver are OK, only small dent on the rear bumper, but my new car was totally destroyed, not driveable, my insurance refused even go to look and inspect. Schould I seek any legal help if his liability insurance refuses to pay? Is it possible to get any legal help in this situation? What to do and where to go? What to do with the car? It is still on the nearest to the accident parking lot. The property damage limit on his insurance is 25,000. I just bought my car few months ago for 20,000. Thank you for your time, I appreciate your help.

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

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i turned 17 in november and i am really close to passing my driving test, what is the cheapest car to insure? as insurance for girls has gone up to the same as boys :(""

""Got in a car accident driving someones elses car, they had no insurance.?""

got in a car accident driving someones elses car, they had no insurance.im 26 ive never been in any trouble and have a clean driving record. i was terrified and i left the scene and got cought, whats going to happen at court?""

Does the mazda 3 have high insurance costs?

just wondering if it would be in the sports car range or the sedan range?

In the state of Florida do I need to have insurance before I can get my license?

I am 19, I've had my permit for 3 years now, and I would like to know if I need insurance in order to get my license and if I need to take the road signs, and rules test again?""

Buying a new car..insurance help?

So need some help.ive bought a brand new car which is coming on the way from suppliers so will take a few weeks.so i have a car im trading which ive never done before so im unsure wot to do about insurance as the insurance on my current car expires 13th feb and the garage will nd a cover note of new insurance to tax car..and as i dont know the reg plate yet.same for tax of car what do i do when renewal letter comes through(renewal date 31st jan)as hopefully will hv car by then.

Car insurance...oh my god?

hi, i just pass my driving test, my car (insurance group 7)....i search on confuse.com for third party car insurance is 4000 one year..although i'm 30 years old. is this ture? ...show more""

How much would my Car insurance cost?

Im 16 years old, i have my class 5 liscense, and i have completed a drivers ed course that supports safer driving. I want to buy a 1999 Acura integra, it doesnt have a vtec engine, and everything is pretty much stock, except sound system and rims. how much would i pay for insurance monthly?""

Help with auto insurance?!?

So, I'm 17 and just recently bought my first car (2000 Dodge Neon), but I'm unable to drive it due to the lack of car insurance. I'm getting reeaaally frustrated because I don't know where to start! There's so many policies... I'm also running on a budget, so a cheap policy would be awesome. Any suggestions???""

Excluded driver totaled my new car. Does his property damage liability insurance pay for my car? Any advice?

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.""

Cheap motorcycle insurance?

anybody noe of some cheap motorcycle insurance im only 17 and im planning on getting a 250cc dis coming summer and i cant spend 300 or more a month thats to much pls help.

Why is health care so expensive in the US?

What is the best car insurance company for 1st time drivers UK?

Hi, I am 24 and I have had my lisence for about 6 months now! Insurance is soooooo high for this age range and not having much previos experience. What insureers would you suggest to first time drivers? Thanks""

Insurance on a car that my mom owns and registers that I will be taking to college with me.?

I am taking my moms car to college with me(saab 9-5) I'm going to auburn and live in maryland, I drive this car every day insurance knows i am the only driver of this car, but i plan on taking the car with me to auburn AL, what will i have to do to do this. I also plan on changing my license to an alabama license when i get there, will this matter? will our rates go up, the car will be kept in the driveway there and only used for grocery shopping""

Where can I find cheap car insurance in Florida? Please help!?

I am a 16 year old girl and live in Florida. I have my learners permit and plan on getting my license in January. I waited awhile to get my permit and only a few months later I was involved in a car accident. My mother told me to go and we were hit from the side and then went into another car. Nobody was killed but two cars were totaled. I took a correction course and got rid of the points on my license. 6 months later I was in my friends car going to the mall when we stopped at a red light. A teenage boy behind us did not stop and we were rear ended. I went to the doctor and have a herniated disk in my lower back. My parents were going to buy me a car until they called our insurance company. They have USAA, who said i would be $500 a MONTH to insure me due to the multiple accidents I have been in. I didn't know they were allowed to charge someone for being a passenger in an accident that they were not at fault for! I need help in finding cheap insurance. Any suggestions?""

What auto insurance companies provide insurance for adult driver with learners permit?

The car is registered in my name has current tags, plates, etc. I live in California and I am 26. I just got my permit to learn to drive. Since I live in small town and driving school here is only available to high school students and I don't have friend that will let me practice/use their car for driving test I have to use mine. I have a licensed friend who will teach me on my car but won't let me drive theirs because its manual and Ive never driven and they don't want to mess up their transmission.""

""I will be under my parent's health insurance effective Jan 1, 2011 - will my baby be covered?""

my baby is due April 26, 2011. Will he be eligible to be under my parents policy with me or will I need different coverage? If so, any suggestions? I live in California.""

Is the dodge magnum a considered a sports car?

23 years old, how much would I pay for insurance on a 2006? Thanks!""

What is the cheapest car insurance in Wisconsin?

It seems to me that every insurance company out there is claiming to have the lowest rates, etc. In your experience, who has had the cheapest prices? I'm referring to basic car insurance...no frills, just the minimum coverage that is now required in WI? Thanks (and please dont try to sell me something...I just want some ideas here)""

How much do you pay for car insurance a year?

i am about to take my second practical driving test so i am hoping to be buying my first car soon . I don't know anything about car insurance so i would like to get an idea how it works and what i will have to pay can anyone help me with because i need all the help i can get (not knowing a lot about cars )

Why has my car insurance jumped up from 700 to 3000?

Two weeks ago I done some insurance quotes. I was shopping around and doing price comparison sites. I did quotes on a few different car makes and models but all cars were 1.2 or less. All quotes were comin up around 700 and 800 and 900 and up to about 1500. Now when I do quotes on 1.2 cars, or example an old 1994 ford fiesta and1.2 Peugeot kisser they are all coming up around 2000-3000 All my details are exactly the same ad two weeks ago. Literally exactly the same. Could it be the weather affecting the price? Surely not that much though?""

How is being required to buy health insurance any different than being forced to buy car insurance?

I know people are saying it's unconstitutional for the government to make us buy health insurance, but states already force you to buy car insurance. Wouldn't that be unconstitutional, too? I'm not trying to be a Smart Alec or anything. I seriously want to know the logic behind how people feel.""

""What is the average insurance to run a home day care in San Diego, Ca? What about on rented property?""

I know that opening a daycare on someone else's property is a liability, but possible. Is there extra insurance needed? Do you talk with your landlord prior to renting the property? My father owns an apartment complex, and he said 'No way Jose' if one of his tenants would come to him with this proposition. How much is the average home day care insurance in San Diego, Ca? Thanks!""

How much is insurance on a 2003 Acura RSX type S?

I'm a 16 year old boy and am looking for that as my first car. I've done drivers ed and have good grades, but im still worried insurance will be killer. Can anyone give me a realistic yearly figure for insurance? Thanks .""

Someone hit my car and driver has no insurance i have full coverage will my insurance cover me?

my cousins roommate reversed into my car with his friends truck and he said he doesn't have insurance. i have full coverage with a deductible of 500 will my insurance cover me even that it wasn't my fault and driver has no insurance?

Do I really need home owners insurance?

if a hurricane were to come into my area and cause a flood, wouldn't the flood insurance take care of it. What are some good home insurance companies in FL with minimal requirements. I made several calls but no one wants to insure me because I don't have heating or cooling.""

Looking to get a car insurance but.....?

Looking to get a car insurance but i am not sure what it covers and what should i ask my insurer to include in my policy?

What insurance comapnies are best?

I just bought a 2007 Toyota Corolla, and am trying to find insurance for it. I've been researching different companies and getting quotes on insurance. So far Geico and AIG are the best. Are there any others that people recommend?""

What is the cheapest uk motorcycle insurance company?

... am 19 in 1 hour xD and i wanna start riding legally i got the other parts done i just need cheap insurance recommendations, tell me please uk only""

How much does COBRA insurance coverage cost?

I know that it can cost 102% of whatever the company pays for the insurance on a group plan, but I want to know what people have actually paid for their continued insurance under COBRA. Real figures from the past year are appreciated.""

Insurance for a 22 year old driving a new Z06 or a new viper?

I don't have one and i'm not 22, but i was just wondering how much do u think insurance would be if i get a z06 or a viper when i'm 22 and before you say anything negative, its because i hope to do really really well in school and make at least 65g a year out of college in finance. . . . . Also. why dont 22 yr olds drive around in realy nice cars like that out of college if theyre making 60-70g a yr??""

""Does anyone know the best car insurance companies for young people, in the UK?""

When I state best I mean cheapest for a young person. I'm twenty-one in a few months and looking to drive soon but insurance is steep, I found some good companies but just curious to know if there's a specific good one. Any suggestions?""

Will my car insurance change if?

I have two cars under my insurance .. one has had an accident and the payments went up.. now if I remove that car from my insurance cuz I wanna sell it does the other cars payment go up..

Insurance Premium Not Guaranteed?

Is it normal for insurance covering Critical Illness to come w non-fixed premium payment?

Excluded driver totaled my new car. Does his property damage liability insurance pay for my car? Any advice?

Maternity on new Insurance?

Hi, I will be relocating jobs and will then have to get onto my new job's insurance. Just wondering, is maternity often available with applying with a new insurance? Could it be considered a pre-exisiting condition? Also, with insurance, would it cover all my ob/gyn visits? New to this, need info! Thanks, in advance!""

Insurance for teenagers?

So i'm gonna get my car/license in a month and i was wondering how much insurance was on average for teens?? Also, how much would it be if i got a sports car? Like a mustang""

Health insurance?

im 21 years old i dont know anything about health insurance what affordable insurance would you recommend?? i want to get braces

Cheapest auto insurance. (perferably one I can apply for online)?

I bought a 2007 Nissan Sentra in New Mexico. I am 18 and my fiance is 23. What is the cheapest insurance you have found? I would be the primary driver.

How much will it cost to up my car insurance to use car for work?

""Two Cars, Two Insurance Companies?""

I'm 17 and I just got my G2 Licence. I'm thinking of getting my own car, however it is going to cost me a a fortune to insure my own car. Is it possible for my father to have 2 cars but with 2 different insurance companies and put me as a secondary driver for one of the cars?""

What is the penalty for driving with no insurance?

How do you find a dentist who is affordable (no insurance)?

My fiance is in pain right now. We're college students and have no insurance and we're really not wanting to cal up dentists and say, How much for a filling? etc. Is there a way to pre-screen for reasonable rates without asking? I know there are probably sites that list/database a lot of local dentists but what about compettitive pricing? And that the websites are kept up-to-date? Thanks in advance - he's eating ibuprofen & pouring on the topical numbing stuff - not sure if I'm supposed to say brand names. Thx again =D""

What are the costs of running a car?

Firstly, I'm in the UK. I want to know if I can afford a car, so I need to know what you have to pay for. At the moment I'm aware of insurance, the cost of the vehicle (and petrol) and MOT. Are there any other costs I have to take into account? Thank you.""

I'm driving uninsured. We can't afford our vehicle insurance. Is it nuts to drive out of town?

Please settle an argument between my husband and I. We drive in our town back and forth to work, and I feel ok with that. I want to rent a car tonight because we have to go to an interview. It's about 2 hours away, down a highway strewn with police. I think it's crazy to try to drive in our vehicle, uninsured. He doesn't want to waste the money on a rental. It's a $5000 fine if we're caught - plus I'd likely lose my job (can't have a police record). How far would you drive uninsured? I don't even like driving in town - but we're a few months away from being able to afford insurance. Opinions please.""

""Im 20 years old and a full time student and work part time, if i move out, can i stay on my dad's insurance?""

Im 20 years old and a full time student and work part time, if i move out, can i stay on my dad's car and medical insurance even though i do not live at home but im under 25""

Are there any groups you can join that offers group health insurance?

Or some insurance co that does not ask for a ten year history?

Cheap Car Insurance for young drivers?

My younger brother is 18 and he has had his UK drivers licence for 5 months (he was 18 when he passed) but he has not driven since he passed his test simply because he can't afford insurance. When I passed at 18 I paid 500 on our mothers insurance and that was considered expensive but the cheapest he has found is 1029 With the co op. Can anyone help him because he really deserves it, anywhere cheaper would be ideal. Thanks""

Anyway of getting car insurance?

Recently was in a no fault accident but the case hasn't been closed. Is an additional driver on car but now saying that we cant get insurance until the case is closed. Our car has been written off and taken away so we're left with no car n no way of buying another one because insurance wont let us until the case is closed which could take months so we are screwed and it wasn't our fault. Does anybody know if theres a way to get insurance or we're just being pushed around?

Aren't you glad the ACA is making health insurance more affordable?

Cancelling car insurance?

I am a New York state resident, In order to cancel my car insurance, must I first surrender my license plates to the DMV ??""

I am unemployed and need dental insurance to get 2 root canals & 2 crowns. Help!?

I do not qualify for medicaid or family health plus. I have to pay for 2 root canals ($1400), 2 crowns($2000), 1 tooth extraction ($200) and cost of adult orthodontic treatment ($7000)!!! I am looking for private dental insurance but am having a very hard time finding... anyone can suggest any or other ieas to help me in this situation? I live in New York City... am 25 year old woman, single no kids, receive unemployment benefits after lay-off.""

Can you deduct your cost for health insurance on your taxes?

I have auto insurance in SD but currenly in MN for college?

I'm currently in college and looking at switching my auto insurance. My permanent address is in South Dakota which is also where my car is insured and I'm going to college in Minnesota. I know I need to have my policy in South Dakota but will using my college address require I have minnesota insurance and register my car in minnesota?

Do foster kids get health insurance? Any insurance?

suppose a adoptive kid w/ parents w/no health insurance. the adoption gets dissrupted and now they live in a foster home.

Are there any ways to make car insurance chaper when your 17?

In october im going to be 16 and neither me or my dad want to pay the massive charges for insuring a teenager that has just passed there test at 17. What i would like to know is if there is anything i could do when im 16 that would make the insurance cheaper, for example getting a scooter and riding that so i have one years no claims or getting driving lessons in a private area where it is legal. Or am i going to have to pay the massive insurance charges no matter what? Thanks for your help Daniel""

What's a sensible sporty/fast car for a young driver?

I'm 19, 2 years driving experience. I've had two 1.6 escorts and find they are completely gutless. I'm looking for a faster, more sporty car that isn't going to kill me on insurance. Any ideas would be greatly appreciated!""

Financed a motorcycle do i need full coverage or can i buy liabilty?

I know the lender of the loan wants his money even if the bike gets stolen/totaled/breaks down what ever. But why do i need to have full coverage. So if the bike gets stolen/totaled whatever isn't all the lender worried about is getting his money? So if that happens i will tell the lender not to worry i will keep paying payments until the loan is paid off because i dont want to ruin my credit.

Do most insurance companies cover birth control?

I'm getting new health insurance through work and I'm already on the pill and I was wondering: 1. Will most insurances cover it? 2. Can I stay on the same pill?

Are car insurance rates adjusted by occupation now?

I just got done reading this article on car insurance and occupation at http://www.consumerbadcreditguide.com/carinsurance.html What do you think about this?

Excluded driver totaled my new car. Does his property damage liability insurance pay for my car? Any advice?

https://www.linkedin.com/pulse/can-az-camera-ticket-go-your-insurance-when-you-live-were-epperly"

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