Comments on: Cheap Car Insurance: Cut Out for Car Owners

By: phatbunny626

phatbunny626 — Sun, 07 Feb 2010 11:36:04 +0000

An alarm system on a used car won't make your insurance "cheap" but it will probably make it a few dollars lower.

The difference will be on the "comprehensive" coverage line on your policy. It won't affect your liability coverage, nor the collision coverage. (That's because the alarm makes the car a little less likely to be stolen, and a stolen car is protected by the comprehensive coverage.)

Depending on the company, and the state you live in, there may be discounts for other related things: An alarm that disables the engine; glass breakage sensor; tracking device (such as lo-jack); VIN etched in the windows; etc.

Make it easy on yourself: Call your current insurance company and ask. (And if you don't have a current insurer, start calling around and getting quotes.)

By: monserrate

monserrate — Sun, 07 Feb 2010 04:34:55 +0000

Nope, they can look at the inside, too. They're checking for certain breed dogs, they'll check your electric box, they'll check for unrepaired damage, and they use info like wallpaper, tile, vinyl flooring, to calculate the replacement cost of your house.

An appraiser doesn't come out until after the claim. The agent is doing "front line underwriting" and establishing the value of your house.Try this site

http://best-home-insurance-comparator-usa.blogspot.com/

Here you can get quotes from different home insurance companies in your area, its the best way to find an affordable home insurance with a reliable company.

By: madonna

madonna — Sun, 07 Feb 2010 00:30:00 +0000

Try this site

http://yourfinance.co.cc/Insurance_health.html

here you can get quotes from different companies in your area, this way you can find a cheap plan for you.

By: cindi

cindi — Sat, 06 Feb 2010 23:16:56 +0000

For home insurance the best way to get a great quote is do a policy comparison on home policies. Make certain that you compare similar options with the same deductibles, home type, location, etc so that all things are a good comparison.

What I always recommend is an online comparison quote at
http://best-home-insurance-comparator-usa.blogspot.com/
since they have top name home insurers and can give several quotes on home insurance polices.

By: Elliot Bridgewater

Elliot Bridgewater — Sat, 06 Feb 2010 09:33:34 +0000

I recommend State Farm, but you can check with several companies
before choosing one. Since you are just renting one room and I do
not imagine the total value of your contents will be that high. I do not
know but State Farm has a minimum. You can also opt to pay on a
monthly basis, quarterly basis, semi-annually or annually. You will
have to pay a little more up front, but after that you will not have to
pay as much. The best way to find the info you want is to get the
phone book and call several agents.
Another thing to keep in mind – if you use the same company
that your car insurance is with then you will get a discount, but
you should still shop around.

By: Khmerboiyah

Khmerboiyah — Sat, 06 Feb 2010 09:24:06 +0000

I have Chubb & like them.

By: Ros

Ros — Fri, 05 Feb 2010 22:06:41 +0000

honestly you should never buy any type of insurance without sitting down with someone that way you have a much better chance of NOT getting screwed. good luck

By: qicong_c

qicong_c — Fri, 05 Feb 2010 09:34:44 +0000

There's no "one size fits all" cheapest for a rental house.

If you dont' live in Michigan, it's more a matter of "who's willing to write this at any price", as MOST of the time, a company wants to write the house you live in in order to write the house you rent out.

In which case, you're probably best off with Foremost (www.foremost.com).

If you DO live in Michigan, go to the company that writes the house you live in, tell them you want a dwelling fire quote.

Not many agents will write a stand alone rental house, if they don't write the house you live in. *I* won't do it – it's more hassle than it's worth.

By: rainedrop61

rainedrop61 — Thu, 04 Feb 2010 17:13:22 +0000

If you are like most people and do not kow much about insurance contact an independent agent. They represent many carriiers and shop al of them at once using a computer rating system. Make sure you are insured to what it would replace your house (about $185 sq ft in California) and it has building ordinance and inflation guard. If you don't know what either of these are ask the agent. Any agent worth his salt wil automatically include both. Normally you will get a credit on both the HO and Auto if you place it with the same company. Don't forget the Personal Umbrella that provides an additional $1 Million in liability coverage for about $100 a year on both the HO and Auto!

By: miss.trying

miss.trying — Thu, 04 Feb 2010 16:30:26 +0000

Sure, there are lots. But if you're posting on a public board, there are CLEARLY some issues preventing her from getting coverage. Possible claims issues in the past? Maybe pit bull dogs?? maybe it's a really low value house? Maybe it's in bad disrepair? Maybe she's got horrible credit??

No one can give you an accurate carrier without knowing what the problem is, that she can't just walk into an independent agent and have her pick of 5 or 6 different companies.