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Insurance deductibles -- when to pay? (and other insurance questions)?

So I am no long part of an california HMO plan, so now I have to get insurance on my own. Problem is that I am making about $800 / month (part time work) while going to school full time. Both my parents are on government low-income plans, so I cant put them as primary policy holders while I get student rates. One question I have about deductibles is when to pay it? For example, a plan that has $1,500 deductible / $0 doctor visits, do I have to pay the full value of that office visit to the doctor? Or will I have to pay $1,500 straight out to the insurance company and then funds will be used accordingly? What about $1500 deductible / $30 co-pay doctor visits? If I pay $30 to the doctor, will this credit towards the deductible? Or will this plan only hit me with the deductible for $1500 when I go to the hospital? Or will the insurance company want it upfront? Final question is: for a 21 year old student that is about 5'7, 230 lbs, non smoker, rarely drinks, what do you think would be the correct rate? So far I am getting estimates of $60-300, depending how big of a deductible I want to put down. Actually, one quick question: opinions on Kaiser Permanente anyone? I know most people i've talked to complained about slow waits and etc, but i'm leaning towards it because of good coverage for the cost -- but is it really worth it? I know this is quite a lot to ask, so if you don't feel like answering, at least point me to an informative web site?

   








How to get the cheapest insurance for a 17 year old?
Best Year for the Acura RSX Type - S?
Questions about a renters insurance claim.?
Cheap but good health insurance????
What is the best pet insurance?
Is there a 30 day grace period in which you can pay your premium on all auto insurance policies?
How long do you have to report an accident to your insurance company?
How much will my motorcycle insurance be??
Where does the money go that everyone pays for car insurance?
How much coverage could you get if you spent the following amount each month:?
Car insurance INCREASE every 6 months with no accidents/tickets? wtf!?
Insurance company trying to scam me?
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How is your experience with progressive auto insurance?
Will having a hidden kill switch in my car make insurance cheaper?
Buying Insurances with a G1 licenses in Ontario.?
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Insurance denied my spinal fusion surgery, what now?
What is a 2005 Mazda RX-8 insurance rated at?
Don't want to renew Virgin car insurance but having problems contacting them?
How much would Liability cost on my car?
Car insurance?
My 17yr old niece has just passed her driving test, any ideas re cheaper insurance?
Car Insurance - Young Driver 18 years old Male - NEED HELP PLEASE!!!!?
State Health Insurance?
I'm 19 and pregnant and wondering if I will get better insurance rates if I get married or stay single?
Motorcycle Accident And Insurance?
Will my insurance go up from a VERY MINOR fender bender?
How much does auto insurance cost in Texas?..?
Can auto insurance company refuse to cancel my policy?
Personal dental insurance - finding personal dental insurance?
How much of a difference per month for car insurance is there between a sports car and a regular car?
Is Marxist Communism or Socialism right for me?
Is Marxist Communism or Socialism right for me?
How can I find cheaper manufactured home insurance?
I would like to my mom was Blathe Danner,because she is very caring and loving lady.Your opinion?
Should I get rental insurance for my apartment?
Questions about motorcycle insurance?
How much does a full body scan cost and is it covered by insurance if taken electively for prevention?
Looking for a health insurance for my dog. he is 1 yr old bichon frise,plannig for neutering him,so looking for a good insurance for him.?
Do I qualify for my parents health insurance?
If i got a car as a gift and dont have insurance and a car hits me is that ok?
Everyone is talking about Obongocare insurance premium but not the deductible on the insurance.?
Why do auto insurance companies ask for annual mileage when they base your insurance rate off of usage or accident history?
Car insurance - how short a time can you buy insurance for?
Insurance amount for Dodge Charger 1970 Muscle Car?
Car insurance= cover all drivers?
Sports car with low insurance cost?
Which Home Insurances Cover Pit Bulls?
Im looking for car insurance?
https://kolkkapaconters.wordpress.com/2017/05/04/how-to-reduce-the-price-of-your-insurance-for-a-18-year-old-in-the-uk/

https://desiraticomp.wordpress.com/2017/05/25/what-are-sub-prime-auto-loans/






























































"If I have full coverage insurance AND uninsured motorist coverage,would my truck be covered if my son was driving it and had an accident?"
I have had him on my policy but I honestly can not afford it. ($450 a month for an older truck, and yes, I have shopped around A LOT) I am wanting to just take him off my policy completely to save money and make my policy more affordable. Just want to make sure my truck would be covered. We arte in TExas if this makes a difference to how the coverage works. Thanks"


Longest lenght of time for new car loan? I would like to have a 6 year loan is that possible? what is the long?
what is the longest loan I can get on a new car. I want lower payments.


What is the average cost for liability insurance for a small business and what does it include?
Ok its for a shop. It would sell all sorts


How long does it take for a traffic ticket to show up on your driver's license and insurance?
So i got a ticket on july 17th (of this year) and the deadline to pay, contest, or do traffic school for it was september 17th, two days ago. i checked yesterday for the update because i thought i had a few more days and it said i can extend the ticket (to pay or to contest or to attend traffic school) to november 16th. i chose that and i will eventually go to traffic school but my question is, is point already on my record and will it affect my insurance rates? My friend was saying no because i extended the date and by doing so i havent plead guilty to the ticket (by paying it or attending traffic school for it) so right now because i have the date to fix the ticket extended by two months, it will not show up on my license or my insurance. What do you guys think? thanks a ton for any help :)"


Is it possible to get Car Insurance for a 17 Year Old Boy under 2000!?
Looking on GoCompare I can not find car insurance for less than 2K anywhere! Does anyone have any suggestions I can afford to pay 150 a month, not cheap but it's realistic. I found a company called Young Marmalade who can do it for that, but they also have restrictions which I could do without! Any help and suggestions would be appreciated :/"


"For auto insurance, can I choose either limited tort or full tort and sue for expenses caused by collisions to my vehicle?"
For auto insurance, can I choose either limited tort or full tort and sue for expenses caused by collisions to my vehicle?"


How does car insurance work?PLEASE HELP?
Ok, so I'm 21 year old male and looking to buy a my first car. I've been driving for 4 years now and I'm currently working as a Valet at a resort where I park cars and pick them up for people. As a part of the courtesy from the resort, I also have to drive people around town, pick em up from train stations and bus stops, etc. I looked up some cars on ebay.com, like a 2001 Honda Accord, 2003 Hyundai Hatchback or a 2004 Mazda 6 s. They are all around $3000-$5000 Manual trans because I just love driving them better than Auto trans. Now I'm now 21 and no longer a teen, will the insurance bill be higher ? I also need to know how and why the insurance bill is at a certain price. Is it because of how the car is tuned up? For example the previous owner tuned up a 2001 Honda Accord with carbon fiber, built in racing seats, new paint job, new rims and tires, new clutch, brakes, new floor mats and all sorts of new things. Will all the new stuff effect my car insurance bill. What will mostly effect my car insurance bill? My age and gender? Where I live, my location and who I live with? If I have kids or not ? Will I be paying extra money the first time I start to apply car insurance on my car? Last, what's the best car insurance company? If anything else I need to know, please let me know I don't want to miss any thing here buying my first car."


Is canadian car insurance valid in the US?
if I want to rent a car in the us will I have to purchase the rental car company's insurance?


How much would motorcycle insurance cost me for 6 months being 16 driving a 2008 kawasaki ninja 250R??
I ONLY NEED INSURANCE FOR STATE MINIMUM COVERAGE FOR OHIO, THATS IT, THANKS A LOT!!"


Car Insurance?
im 13 and its a project for skool i want to kno how much it costs but like i dont want to put all of the information they ask for to get a quote and o yea i live"" in ""new york"""""


How is insurance on a skyline?
im just a kid car shopping for a first car, and i gotta do it big, so im trying to find a skyline, can anyone tell me a quote-ish?"


HELP!!!! Insurance company saying I owe money after a car accident that happened 2 years ago! What do I do?
2 years ago I got into a 4 car pile up accident. The accident was my fault. After the wreck happened, my insurance company took care of all the people who were involved in the wreck but me because I had only liability. No one was hurt in the wreck. I recieved a letter from my insurance company that I owed them $700.00. I paid it and they told me everything was taken care of and never heard anything about the accident. Now 2 years later I get a letter from the Credit Collection company saying I owe them $82,000 dollars!!!! WHAT SHOULD I DO?!?!? How do I find out what they want me to pay so much money for??? and what do I do if i cant pay this!? there is NO WAY I can afford to pay that much $$!!! How do I keep my credit from messing up or is it already messed up since the collectio company sent me a letter??? PLEASE HELP! anyone who knows anything about this or has been through this..."


Cheap health insurance? Im a middle 30's single male. Is there a place I can compare quickly like car insuran?
I filled out one thing but it turned out to be almost a phishing scam. Im about to do COBRA, but I think I can get something cheaper. Im also in SC if that matters. Any guesses?"


Can you register a vehicle with a suspended license?
If you have a suspend license from unpaid tickets can you still get a car registered?


I need help car insurance?
Im looking to buy a 2010 fusion se right now through Lee auto. For me to do it myself I'd have to pay almost 400 dollars a month for insurance and 360 for The car. Is there any way I can lower my insurance? This is rediculius all I have is 2 speeding tickets and that's it on my driving record. I have no loans no payments or nothing.


Insurance deductibles -- when to pay? (and other insurance questions)?
So I am no long part of an california HMO plan, so now I have to get insurance on my own. Problem is that I am making about $800 / month (part time work) while going to school full time. Both my parents are on government low-income plans, so I cant put them as primary policy holders while I get student rates. One question I have about deductibles is when to pay it? For example, a plan that has $1,500 deductible / $0 doctor visits, do I have to pay the full value of that office visit to the doctor? Or will I have to pay $1,500 straight out to the insurance company and then funds will be used accordingly? What about $1500 deductible / $30 co-pay doctor visits? If I pay $30 to the doctor, will this credit towards the deductible? Or will this plan only hit me with the deductible for $1500 when I go to the hospital? Or will the insurance company want it upfront? Final question is: for a 21 year old student that is about 5'7, 230 lbs, non smoker, rarely drinks, what do you think would be the correct rate? So far I am getting estimates of $60-300, depending how big of a deductible I want to put down. Actually, one quick question: opinions on Kaiser Permanente anyone? I know most people i've talked to complained about slow waits and etc, but i'm leaning towards it because of good coverage for the cost -- but is it really worth it? I know this is quite a lot to ask, so if you don't feel like answering, at least point me to an informative web site?


Where can i buy cheap but good health insurance under $120 dollars?
I am young and very healthy, and rarely have to be seen by a doctor. So besides not being wealthy, i want to find a cheap, but good health insurance..."


Can't request money back on whole life policy through Shenandoah Life Insurance Co.?
We sat down tonight with my mother about her estate and we are (and she is ) concerned about not being able to cash in her whole life insurance policies through Shenandoah Life Insurance Co. She has paid the full max. amount that was to be in their, but now she would like to cash her policies out and they said that they won't let her do that. Our question is, are they able to say that to her, that they can't cash out her whole life insurance policies and cancel the accounts through Shenandoah? She did receive a letter in the mail a few months ago saying that they were in receivership""? and I did just look at their web site and found the following info. too... (A moratorium placed on the payment of claims and benefits"


Is this a legit website to buy a schengen travel insurance?
http://www.mytravelvisa.co.uk/2/index.php Hi there I was wondering if this is a legitimate website to buy my Schengen Travel Insurance? Will it affect my application if I buy travel insurances from unheard companies?


Car Insurance in Sweden?
Hi i live in england but my GF lives in sweden, i recently went there for 2 week which while i was there i drove her dads car everywhere we went, but i was not insured on the car i was driving. i went to pick her brother who had been drinking up from the next town to ours but went into a taxi parking spot about 5minutes later i was pulled over by the police who were very polite. i was worried as i didn't think u need car insurance in sweden and all they asked for was a breathalyser test and then they let me go. Since then i have not receive anything saying im fined or whatever so now im really confused weather or not sweden has car insurance policies. Thanks for reading hope u can help."


1959 Cadillacs?
What is the price range for the car? MPG? Average insurance? Other information I should know before buying it?


Where to buy affordable health insurance?
I was forced to retire at the age of 64. I am not eligible for medicare until Sep of 2011. Looking for health insurane I can buy now


Adding a teen to the insurance with past accidents?
I take my license test exactly one week from today. I have all the insurance papers that I needed from my driving school. do I wait until I get my license to get on the insurance or can I do it now so that I'll be on there for next week? also, when I had my permit, I had two minor parking lot accidents that my dad had to take the blame for. Now that I will be on the insurance can I tell them it was me so that I will pay for the increase directly to the insurance company or should I just pay him the difference of what it is now and what it used to be each month? because I know his driving record will follow him for life. thanks in advance!"


"HTC Desire, phone insurance?"
I brought the phone in carphonewearhouse UK 3 days ago and there insurance is 12 per month. Where as another phone insurance company on the internet is Just 5.99 but my question is, can i trust the cheaper one or shall i just go with the more expensive insurance to lay my mind at rest? Thank you for all of your help."


AAA driving insurance questions?
my cousin is 16 and he wants to know how much driving insurance cost if you have AAA. he's a high school student, good grades, and etc... how many discounts will he get and how much does he have to pay each month?"


My insurance on my car is $450 and its nothing special of a car not fast how can i get it lower?
My insurance on my car is $450 and its nothing special of a car not fast how can i get it lower? the insurance company told me if i sighn on with my family it makes it cheaper...all of my friends are paying 120-200 i dont get why mines so much more/?


Anyone know about new York life insurance?
Someone is convincing me to get a custom whole life insurance policy saying its like a savings account. But if I were to get a 15 year policy and during that 15 years I paid a total amount of 27,000. The person is saying I can take out all 27k plus interest that has grown on it. Is that true?"


Does insurance agents give you the lowest price insurance?
or do they give you a higher priced insurance to make more profit?


My dad past away how can I find out if he had bought life insurance?
My mom says that he told her he bought it for us but she doesn't remember from what company. Do we have to contact them or will they contact us?


"What would a $50,000 cadillac cost per month? + insurance?"
im looking into the cadillac sts (sp=47,000 - 78,000) and i want to know the monthly cost.. $275,000 yearly income (get paid yearly).. which is about $23,000 a month combined. take into account teenager insurance which i heard can be brutal and also... would buying this car stretch my finances? i dont want my family to be uncomfortable for just a car. like someone earlier told me 1k a month for my car payment but i want to know the other estimates"


Individual health insurance?
I am currently shopping around for individual health insurance and just wondered if anyone had any helpful info in regards to different companies. Who do you currently have health/dental/vision/life insurance through? I have been looking at Blue Cross Blue Shield but I'm just not sure. I am engaged and will eventually want to add my future spouse, therefore needing a family plan. I know this will vary depending on what type of coverage we want and what we are willing to spend. I do not have a very large budget for all of this but do know it's important. Trying to find the best deal out there for an affordable price. Thanks for any helpful advice! :)"


Insurance deductibles -- when to pay? (and other insurance questions)?
So I am no long part of an california HMO plan, so now I have to get insurance on my own. Problem is that I am making about $800 / month (part time work) while going to school full time. Both my parents are on government low-income plans, so I cant put them as primary policy holders while I get student rates. One question I have about deductibles is when to pay it? For example, a plan that has $1,500 deductible / $0 doctor visits, do I have to pay the full value of that office visit to the doctor? Or will I have to pay $1,500 straight out to the insurance company and then funds will be used accordingly? What about $1500 deductible / $30 co-pay doctor visits? If I pay $30 to the doctor, will this credit towards the deductible? Or will this plan only hit me with the deductible for $1500 when I go to the hospital? Or will the insurance company want it upfront? Final question is: for a 21 year old student that is about 5'7, 230 lbs, non smoker, rarely drinks, what do you think would be the correct rate? So far I am getting estimates of $60-300, depending how big of a deductible I want to put down. Actually, one quick question: opinions on Kaiser Permanente anyone? I know most people i've talked to complained about slow waits and etc, but i'm leaning towards it because of good coverage for the cost -- but is it really worth it? I know this is quite a lot to ask, so if you don't feel like answering, at least point me to an informative web site?


Is a porsche boxter 2003 a good car for a female teenager?
I'm looking at kinda sporty cars for my first car. Does anyone know of any good sport cars for a teenager? But not like the mazdas or Honda s2000. And is the Porsche boxter a good car? Better than the BMW z4? Or z3?


How can you find out how much your car was when it was new?
My insurance company needs to know how much my car cost when it was brand new so they can give me coverage quotes. I did not buy it new, and it is a 1999. Anyone know the best way to find this out? It is a Chevy Silverado 4500 extended cab. Thanks!"


What shall i do when my insurance company actually obstructs the compensation which is written in our agreement/the things i had assured?
Mrs mbcratz, who I love insurance. I've been an agent since 1989."" i bet you love insurance"


"Will my car get tow,i change the insurance to my father name.?"
I financed a car and all the paperwork is under my name,but i change the insurance under my father name.now i received a letter saying i don't have insurance,and i told them is under my father name.they want me to change it in my name,but i don't want to.if i put my name in the insurance it will be high. can i leave it under his name,or put my name in it."


Whole life vs. term--can you prove higher return with whole life?
Like I expected, the whole-life apologists are attacking my assumptions. First, that I shouldn't end the policy at 65. I'm assuming my kids are grown then, and surviving spouse will have Social Security (maybe), a home, and other assets to survive on. If it's more beneficial to convert the policy to an annuity at 65 and save taxes on my (presumably reduced) income, I will consider that possibility, just give me some facts. Someone said dividends are taxed at a higher rate than long-term capital gains, but I think that's wrong. Regardless, the rates on either are pretty low and I don't see that as a major factor. Someone else said term insurance would be a loser if my health failed before 65. If that's the case then I'll admit I'm comparing apples and oranges. Is there term insurance that doesn't expire as long as you pay the premiums, or does term insurance mean you'll lose coverage at the first sign that you're odds of collecting are higher than average?"


How to report health insurance rebate fraud?
My last company refuses to give us our insurance rebate check after they closed my office - how do I report this company? I paid my daughter's health insurance premiums and I received letters stating I am to be getting a check. My last company is telling all the former employees they let go no one paid any premiums. They are lying and several people who lost their jobs want to know how to report our former company.


Where to find cheap maternity insurance?
http://proxyhide.cn/health-insurance.html


Do atheists think that their souls are insured by Time Machines and Worm Holes?
funny how those atheists"" who got out in their way to say souls doesn't exist"


Cheap car insurance for 20 year old?
im new to this im 20 getting my license in ont canada and need insurance i am very cheap will be buying a car 500-700$ and want the cheapest insurance possable il fix my own car if its possible i just want to be legal cause insurance is ridiculous ty everyone


Isn't it patriotic to want all Americans to have access to affordable healthcare?
Isn't it patriotic to want all Americans to have access to affordable healthcare?


What are your thoughts on how insurance companies can put a price on life?
Folks- My scenario involves how the insurance company is culpable for compensation as it relates to loss of life. First of all, I'm a bit stymied by how they can even arrive at a figure (for a lost life) but I understand that they must. Secondly, I'm scratching my head about how the survivors of the deceased have no avenue to litigate that one life was more valuable than another.."


United healthcare insurance complaints?
I am on hold again this time its been1 hour and 30 minutes. The first time I called and waited 15 minutes then she had to transfer me and I waited for 25 more minutes and was disconnected. I have been on hold 35 minutes and still waiting. This is the worse customer service I have ever seen from any company. I will not do business with you next year. Still waiting for someone to answer the phone. thank you for making my day a living hell.


How to get Temporary Car Insurance for one week in Florida?
Heres the deal. In May a couple of my friends and I are going to fly into Florida to visit some relatives. They have an extra car that nobody uses on a day to day basis, so instead of renting a car for the week... we would rather drive this car around. The problem is insurance... I don't know anything about this if its possible or not. Is there anyway to get one of us insured to drive the car for a week, we are all insured drivers here in Michigan if that matters. Also would it make any difference that the car we are using is my Aunt's, so we are closely related. Any information, experience with this type of situation, contact numbers etc. would be greatly appreciated! Thank you!"


Auto Insurance Is Prohibitively Expensive. What To Do?
I'm 23 years old. I rent a flat and have held a steady management job for 4 years. I don't drink or smoke. I am looking to purchase a 1993 Nissan Altima and I was looking for insurance. I was blown away when I got the quotes. Mind you, I live in Detroit and I understand that insurance is expensive, but this is ridiculous. Every quote I got was for at least $400 a month, liability only. Esurance was the most expensive at $582 a month. Allstate was the lowest at $396 a month. Any advice? I really need this car, but there is no way I can afford those insane rates."


How does turning 25 affect your car insurance premium?
I turn 25 at the end of the year and am planning on buying a brand new car this summer and am wondering how it will be affected. Thanks!


Insurance deductibles -- when to pay? (and other insurance questions)?
So I am no long part of an california HMO plan, so now I have to get insurance on my own. Problem is that I am making about $800 / month (part time work) while going to school full time. Both my parents are on government low-income plans, so I cant put them as primary policy holders while I get student rates. One question I have about deductibles is when to pay it? For example, a plan that has $1,500 deductible / $0 doctor visits, do I have to pay the full value of that office visit to the doctor? Or will I have to pay $1,500 straight out to the insurance company and then funds will be used accordingly? What about $1500 deductible / $30 co-pay doctor visits? If I pay $30 to the doctor, will this credit towards the deductible? Or will this plan only hit me with the deductible for $1500 when I go to the hospital? Or will the insurance company want it upfront? Final question is: for a 21 year old student that is about 5'7, 230 lbs, non smoker, rarely drinks, what do you think would be the correct rate? So far I am getting estimates of $60-300, depending how big of a deductible I want to put down. Actually, one quick question: opinions on Kaiser Permanente anyone? I know most people i've talked to complained about slow waits and etc, but i'm leaning towards it because of good coverage for the cost -- but is it really worth it? I know this is quite a lot to ask, so if you don't feel like answering, at least point me to an informative web site?