Saint Cloud Minnesota Cheap car insurance quotes zip 56395

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Saint Cloud Minnesota Cheap car insurance quotes zip 56395

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Saint Cloud Minnesota Cheap car insurance quotes zip 56395

Car insurance for someone driving my car? lil bit complicated =)?

My boyfriend drives my car occasionally and my full-coverage insurance will cover him and my car if he were to get in an accident. However, since I am still a student in college I'm on my parents' car insurance (have to pay them back once I graduate =P ) and they say that they don't want anyone who's not on the insurance policy to get in an accident and raise the family's rates, e.g. he's not allowed to drive the car. Understandable, however they won't add him onto our policy even if he pays his share himself. Now it's their prerogative, I'm not questioning that, but is there ANY way to purchase him automobile insurance that get's tapped FIRST in the event of an accident? ...To backtrack a little I've just researched non-owners policies, but they seem to work only after the initial insurance of the car (in my case my family's insurance) get's used up and the non-owner's insurance is used as a last resort; this still raises my family's insurance rates if there was an accident with him as the driver even if he had his own insurance. Does anybody know of any types of insurance that covers him driving my car without raising my parent's rates in the event of an accident? Thank you in advance! =) Oh and please don't say that he shouldn't be driving my car, etc. It's more of a hypothetical question as he rarely does but I'm getting tired of my parents getting on me when things happen, like getting the stomach flu when we're out and about and having him drive home, telling my mom later when im miserable, and her saying i don't care that you had the stomach flu he can't drive your car without his own insurance. Yay. Thanks, Mom.

Home Owner's Insurance?

I asked this a while ago, but I didn't word it right... If I stepped off a rafter and accidentally fell through the ceiling at my house, would my home owner's insurance cover the hole in the ceiling?

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If for instance they passed on the same day, why should a 17 year be categorised as less responsible than a 40 year old in terms of driving ability? Particularly when chances are due to the insurance gaps and most probably the earnings of these two hypothetical people the 40 year old would be able to afford a more powerful car...

What kind of car insurence should i get?

im 19 years old and live in Massachusetts and i need help on what kind of insurance i should get. i don't want anything expensive even though that's hard to avoid because i know car insurance is expensive. i just got my license and i don't know what to look for. someone help me please! and i would most likely be driving a volvo or any car my parents let me

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I'm thinking of possibly retiring when I'm 56. I'm 55 now. I have about $60,000 saved for health insurance purposes. I will not be eligible for any tax credits through Obama-Care as I have too much money saved up. Will $60,000 be enough to pay for health insurance till I'm 65?

How much life insurance should we get?

My husband and I both work; our income split is about 60/40, he being the higher paid. We will both turn 50 within the next year. No children living at home. No substantial debt: Car loan: $185 monthly Student loan: $102 monthly Mortgage: $2,000 monthly No other debt. We never carry a credit card balance. We have about 3 months worth of savings in the bank. Should I base our life insurance on how much we make, how much we have in debt or both? We are living paycheck to paycheck, and if either one of us were to die suddenly, the other would only have a few months to sell the house before we could no longer make the payments. In this market, I don't think that's realistic. I was thinking that we would need enough to pay for a funeral, pay off the smaller two loans, and still have enough to live on for at least a year if the house doesn't sell. Does that sound right? Or should we not worry about paying off the loans...just calculate enough to replace the other's income for XX many months? If so, how many months should we plan for? Finally, at what rate is life insurance taxed? Is it added to your income and then taxed at the rate for your total income for the year? or is there a flat rate tax? (I think I know the answer to this one, but I want to make sure).

What co. has the best car insurance for teens?

I 18 and want to get my own insurance

Can I get an auto insurance without owning a car?

Over the next couple of weeks, I'll be renting a car. Since the insurance from rental companies is so expensive, I'm planning to get my own liability insurance and use it with the rental vehicle... can I do that? I do not own a car! Also, what is the best insurance company for me, I'm 23/male/texas with a clean record.

Car accident, my fault, my insurance company not paying for one of the cars involved. what to do?

I was involved in an accident involving 3 cars. It was my fault. I'm fully insured. My car and one of the other cars in the accident are being repaired with my insurance company. The third car involved, which is a taxi had little damage around the tires and was not towed on the scene of the accident. The cab driver is now claiming 1700, after repairing the car without talking to my insurance company and without his damage estimated. He is calling me and telling me that my insurance company is not answering his calls and they are not handling his claim. He is calling and telling me that he is going to sue me. What shall I do? At the scene of the accident I gave him my insurance card, should I get involved in this. Please advise me. I'm really worried.

What is the best kind of health insurance for fertility treatment?

Shopping for insurance and would like an honest answer from the people. I know I will be seeing a fertility specialist and doing lots of lab tests. Does anyone know which kind of insurance would best fit my needs? fyi, I live in northern California. Would a health savings account work?

Car insurance question.?

My boyfriend and I are in the process of buying a car, it is going to be in his name only. We obviously have to get insurance on the car and he doesn't have a car at the moment so only has a non-owners policy. We have to show proof of full coverage. When we go get the insurance are we supposed to tell them it needs to be on the car we are buying? What info about the car do we need? Also he has a not so good driving record, can he list me as the primary driver if my name is not on the car? And if so, will that make insurance a little cheaper?

Does the official DMV website offer a free point insurance reduction program?

my friend recently complete an online 6 hour class to reduce his insurance rates by 10%. he told me the class was free and that he found it from the dmv official website. but when i go on the website, it only directs me to classes from private companies that aren't free. does the dmv website offer a Point Insurance Reduction Program (PIRP)??? http://www.dmv.ny.gov/broch/c32a.htm thanks!!!

What if i bought a used car and didnt get insurance? ?

what would happen if i got into a wreck?

Car insurance, accident related question.?

I have been recently involved in a car accident where the other driver ran a red light and totaled my car. I have witnesses, police reports and the individual that crashed in me got a red light ticket. My neck has severely been strained from the accident also lower back and right leg. I am going through an injury law firm and they recommended me to a rehabilitation clinic. The money that this rehabilitation clinic will receive will be from my insurance company but will I have to pay for it in the following years in my policy. Or will my record be clean and my insurance premiums will not go up? Thanks.

Cheap car insurance I mean cheap?

Just passed my test and found insurance is massive, I need some kinda voucher or something to get to insure my car. Any ideas. UK ONLY

How much is insurance for new drivers? People are saying 1000 - 3000, how can it be that much money... ?

I am unemployed at the moment, but even with a part time job I wouldn't be able to afford that sort of money a month. I mean that is a lot of money, considering you have to also buy a Car, tax etc. Is this a true amount? I am 22 years old ( nearly 23 ) and I am planning to start my lessons, but I wanted to find out how much it would be to run a car before I started lessons. So I searched for Insurance, Tax, Fuel etc, and the prices for Insurance that people were saying on forum's were crazy! Is this right? Can it really be correct?

Do you have health insurance?

if so, how much is it per month? how old are you? what kind of deducatble do you have? feel free to answer also if you do not have insurance.

Best Insurance Price I Could Get?

I'm looking at buying my first own car in the next few months/year. I'm currently 17 but will be 18 soon, straight-A student, looking at a 1999 Toyota 4Runner Limited 4WD. Progressive quoted me $147, which seems ludicrous to me (they'll have the value of my car in less than four years!), but I know I'm young - and young drivers get in a lot of wrecks. I'd just like to know what you all think is the best affordable insurance company that still offers pretty good coverage, and if there's anything I can do to further lower my price besides good student and safe driver discounts.

How much money do i need to save up for my first 6 months of insurance?

I will be 16 or 17 at the time of receiving car insurance and right now I am 15. This summer i will be getting a job and will buy my own cell phone and pay my own cell phone bill($130 for the phone $42 for the total bill). Let's say I receive minimum wage ($7.25) and am payed around $800 a month. If I begin putting aside money out of each pay check ( which will be roughly around $400) for car insurance and do this for around 12 months how much money will i need to put aside out of each paycheck ($400) to be able to pay for 6 months of car insurance? Also, my mom is going to let me buy her car in payments (at most it will cost $2000 altogether), how much should I put aside for that, so i would be able to buy her car at one time in 12 months?

Why is my car insurance for my 1st car, 2500 and my friends insurance is only 1500 for his 1st car??

Why is my car insurance for my 1st car, 2500 and my friends insurance is only 1500 for his 1st car?? This is confusing me, both our annual milage is estimated to be 5000 miles, they are both in group one insurance groupes, they are both a 1.1L etc, everything is the same apart from the make of the vehicles. I have treid other vehicle qoutes, but yet my insurance qoute is still 2500, and my friend qoutes is only 1500.

As a new Driver when should I expect my insurance costs to lower?

Here is the background: I am 27 years old and I just learned to driver a little over 7 months ago. I know that as a COMPLETELY new driver my insurance costs weren't going to be the best so I was surprised when most if not all companies I went to quoted me at about 400-450 for 6 months of full coverage. I thought this was very very good because that is about what my husband pays and hes had an perfect driving record since he was 17. Well when I went in to buy my first car ( brand new and financed, so I needed full coverage based on my state laws. ) Before I left the lot I called my chosen insurance company and they activated my insurance for me. To my dismay but not complete shock they told me they would have to raise the quote because I didn't have a driving record yet. ( At this point I had only had the license about 3-4 weeks I don't quite remember ). I was told this should clear up the next time I renew. Well my premium has actually gone up fifty dollars ( instead of down 150 )! I was shocked. So, out of curiosity I got quotes from other places now and it was just as expensive if not more so. What happened? I've had no moving or parking violations, my driving record is perfect. I thought I would ask the yahoo community before I call my insurance company to point fingers.

My daughters car insurance has more than doubled because she got 9 penalty points in the last year. she wants ?

me to get insurance on her car and then get her put on that insurance. if she gets more points while she is under my insurance would that affect the price of the insurance on my own cars or would only if she caused an accident make my insurance go up. i could get a years insurance on her car for less than the price of 1 monthly installment she would have to pay for her own insurance. what do you think. if she gets 3 more points she will be disqualified from driving . if that happened while she was on my insurance would that put my insurance prices up even though she would be off my insurance if she did get disqualified. what i have wrote might not make sense. i want to know if i do this for her and she gets disqualified while being on my insurance would that put my insurance prices up for all my cars or what or would it only effect my insurance if she causes an accident. while shes on my insurance. * 41 minutes ago * - 3 days left to answer. Additional Details 40 minutes ago we live in the UK. sorry this is very long i found it hard to write what i was really trying to ask. 33 minutes ago i know if she causes an accident while she is on my insurance ot would effect how much my insurance costs but if she was to get disqualified while she is on my insurance would that effect me inurances oin anyway. if she gets disqualified then she wont be on my insurance anymore. 14 minutes ago only 3 of her penalty points are for speeding. she told me the other 6 points are because there was a mix up with her insurance last time and she was uninured for 4 days and was caught by the police. she got 6 points for that in court a few months ago. she said she that she had phoned them and accepted the policy they sent her to renew it and thought it would continue automatically but she hadnt been to the office to sign for it so she got caught for that. she was only uninsured for 4 days because of her mistake that time. sorry if you already answerd this but i put it on US yahoo answers by a mistake and it didnt show up in UK yahoo answers so i needed answers from people who knows about car insurance in the UK

What are some cars that are least expensive to insure for a 16 year old?

What is an affordable health insurance in N.J for my employee? i own a small business with one worker.?

How much is your monthly car insurance bill?

indicate your age and if you have full coverage. I want to know if what I'm paying is average. I'm under 25 and I was involved in an accident.

Saint Cloud Minnesota Cheap car insurance quotes zip 56395

Help! Advice best cars under 1,000 best to get for a 40year 1st time driver for cheap car insurance?

Please help I am pulling my hair out ..... My boyfriend is 40 and has had his licence for just under a year. Fingers crossed we will soon be in a position to buy ourselves a cheap car fr say under 1,000 I am looking at quotes for like 2,000 up wards. What are the best cheap cars to get for low insurance ?? Where is the best place to get quotes from??? direct, internet?? Please help

Is it illegal to drive without auto insurance in Fla?

Someone told me that I absolutely need insurance on my car or I could face charges. Is this true?

What is the cheapest insurance for a new driver?

I'm a new driver and I don't make much but I do need insurance so what is a cheap one?

Can I sue my Auto Insurance Company?

In 2005, as part of our divorce agreement, my ex and I decided to keep the same auto insurance but under separate policies. We had been with this company for years. My policy was on auto pay meaning that the payments were taken directly from my account. He walked in to pay his. About 6 months after the divorce, I was pulled over for a routine traffic stop and was told I was driving an uninsured vehicle. Without insurance, my registration was also invalid. Both tickets totaled 1K. My car was taken into impound. I checked and found the officer was correct. On good terms with my ex, I told him what happened. He said for the past 6 months, each time he went in to make a payment, the girl HIS was already paid. Realizing what had happened. They were applying my payments to his automobile. I was furious. I notified the agent who initially did not want to accept blame, but since the payments were automatic and my account number was on each payment they took, they were responsible. The error was compounded by the fact that the cancellation notice went to HIS address (how dumb was that!) So I had no way of knowing that I was cancelled. I was without a car for 2 weeks and lost my job. After much haggling and many sleepless nights of wondering what to do without a job or a car, the insurance company finally admitted blame, paid the impound fees of $1,250.00. The agent also said they would handle the 2 tickets totaling 1K. FAST FORWARD TO 2010 in my state, the county did a scofflaw sweep and I was summoned to court with over 5 thousand other delinquent drivers to address unpaid tickets. The order was come to court by April 30th or be arrested. Realizing this had to be a mistake, but fearful of the law, I stood in line for over 5 hours in blazing heat, then sat in court another 5 hours waiting for my day in court. I was immediately threatened with arrest because the 2 tickets were not paid. Up to that moment, I had no idea the insurance company had not paid the 2 tickets. This time, not only was my insurance and registration cancelled, my license was suspended due to the age of the infraction (5 years). In front of the judge, I called the agents' office only to be told by the secretary that they had no intention to pay the ticket. Paying to get the car out of impound was enough. When the judge heard this she was shocked and let me off with a promise to pay in 5 days. She made me promise not to drive. With no way to get home but drive, I took a chance, and was pulled over. The officer informed me that due to the vast number of outstanding cases, tags bearing our county name would be targeted for a while (talk about a police state!). I showed him my documents from the court and headed home. This is a nightmare. Would I have a case if I filed suit against my insurance company for failing in their fiduciary responsibility to a 16 year client in good standing? By the way this company is one of the largest in the country.

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

6 week car insurance for 18 year old?

I share a car with my twin brother, which means i get the car every other day. My older brother is having a hip replacement so won't be able to drive for 6 weeks. He said i could ...show more

What are some really good auto insurance companies?

I just turned 18 and my parents are basically kicking me off the insurance. i need some good but affordable car insurance (full coverage) What insurance company are you with and about how much is it a month for 1 driver?

Car insurance policyholder and registered owner?

I am 19, living in Florida. My car is registered in my name. My family keeps all of our cars on one policy. The insurance company is aware that I am the registered owner and I am also listed as the main driver for my car. Does that present any problems liability or insurance law wise?

Do I have to list all additional drivers for auto insurance in Ontario?

I am shopping for auto insurance and noticed that if I include my wife and son in the quote, the insurance jumps from $1600 a year to $3100. That's almost double and none of them have any accidents or anything. If I don't include them as secondary drivers, can they still drive the vehicle and be insured? And if not, does that mean that every family in Ontario must list all family members that MIGHT drive the vehicle? Answers are MUCH appreciated.

Question about car insurance?

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

Does anyone out there have Progressive Auto Insurance?

I'm looking to switch my auto insurance to this company as they seem to have very good rates and customer service. I was wondering if anyone out there has heard of any pros and cons to this company. The most detailed answer will get an easy 10 points. Thanks!

Any affordable health insurance options for a 65 years old thats not eligible for Medicare?

My in laws are 65 years old and just moved to the US (legally!). Because they are not US Citizens yet, and it will take 5 to 6 years for that to happen, they do not qualify for Medicare. So my question is, is there any affordable option to get healthcare coverage for someone who is over 65 yrs old? Because my husband and I are sponsoring them if they cannot pay for a medical (or any other) bill, they will come after us and we all know how expensive cancer or even a simple surgery can be, needless to say that we are not sleeping well at night! Thanks! Sheila (your love life paramedic) www.slumberpartiesbysheila.com

Just wondering about car insurance, registration, title, and license.?

I'm from Nevada but moved to Colorado. My parents signed over the title to my car and are going to make me pay for insurance. I was wondering what I had to do to sort this all out. I was thinking I have to go to the DMV to get my license and officially change the name on the title, then go back to get insurance so I can go back to the DMV to get registration. Is that right? What are your thoughts? The DMV is closed right now which is why I'm asking here.

Car insurance estimate for a 2006 BMW 325i for a 17 year old guy?

My mom is being stubborn about getting a quote because she wants to wait until i'm 18, but i don't. I live in Louisiana if that helps. Thanks a lot.

What is the cheapest car insurance?

Which Insurance Company?

I am a 20 year old male and i'm looking for insurance for my car. The prices range from 1000-3000. I know it depends on Claims, how long you've been driving, your age etc etc but just wondering does anyone have any suggestions about which insurance companies are quite cheap for people around my age?

Which will make the insurance higher manual or automatic transmission?

I'm thinking of buying a car but I want to make the insurance cheap as possible I don't know if manual or automatic transmission will make the insurance cheaper

Cancel my car insurance?

My car is sitting at a farm on blocks. but l am still paying insurance on it. It's only liability. The car doesn't run. Should l just let it get canceled by not making a payment? don't know when it will be on the road again. perplexed

What is a good type of health insurance for younger married couple.?

My wife and I are both 20 years old and don't have health or dental insurance which we definitely need. We have had a lot of hospital bills and can't keep up with them. We were denied for medicaid so I am looking for a type of health insurance that will be cheaper but include health and dental benefits. I just wanted to ask you guys before I spend all day researching stuff so if you have any advice that'd be great. Thanks

How much would my car insurance be, I'm 22 years old, only had one speeding ticket, 2003 Mitsubishi Galant se?

It has 4Dr

Is there a car insurance that will give a young driver a reasonably quote?

i recently purchased a mk1 ford fiesta. theres no mods to the car and tax wise i think its a classic. its a 1984. i have wanted a mk1 fiesta for years now and its the car i want to drive. im 17 and the cheapest quote on any car ive been given is 2000. are there any companies that will give me a good quote on my fiesta

Need suggestions on Health Insurance...?

I recently turned 18 and will no longer be covered by my parent's health insurance. I'm going to be going to college next year and my school offers insurance but it will cost almost all of the money I have saved up (leftover money after tuition is paid). Are there any better options? (Being uninsured isn't an option)

Can I insure a car not registered to me?

My 22 year old daughter is in college and on my car insurance currently. She is getting a new/used car. Does it have to be registered and titled to me for me to be able to put it on my insurance? Can it be titled and registered to her and still go on my insurance? Thanks.

Classic car insurance from a 17 year old? less than a grand (VW Beetle)?

Hi all, Im 17 a VW enthusiast and just passed my driving test. I'm not saying im going to be any different to the statistics but im not a racer at all, lack of experience is still an issue though Guys preimiems are double girls and yet i think its possible to get insurance ive heard of people who have just wonder from which company? Im after insurance for a VW type 1 1300 beetle or a VW split screen camper for a 17 year old. As anyone who has tried getting a quote for a 17 year old boy its going to be 800 for cheap 1L car, 900 for a 1.25L Fiesta or 1,400 for a 1.4L Zetec. So im after insurance for less than 1000 has anyone manged it for a classic car? and where? The RAC quoted 1,100 and then went to ask about it and then they refused had several quote for a 1.6L beetle (due to age and slowness) of 1,400 but would like under a 1000

Would having a baby affect you car insurance rate?

I just had a baby 3 months ago and I was jw if it would affect my rate if i told the company.

Saint Cloud Minnesota Cheap car insurance quotes zip 56395

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