How to lower my car insurance, young driver.?
I am 18 going 19 this year, and i want to know how i can possibly make my insurance cheaper, legally.
I took my pass plus which is meant to cut the price down by a bit, but I've found most internet comparison websites don't ask if you have achieved pass plus, so would it be ideal to get a quote online THEN ring up and try knock the price down?
Also what else can i do to cut the cost down, legally?
The following are legal ways to reduce the premium. However some are counter-productive i.e. they may cost more than you save.
1) Buy an old low group car (you can get an idea of insurance groups from Parker's guide) e.g. a Renault Clio, old-type mini/ fiat panda/ ford fiesta.
2) Third party, fire & theft is probably the cheapest cover.
3) Consider a 'birthday' policy - some insurers will give a 6 or 8 month policy and then give a discount at renewal - this can be useful if your birthday is reasonably soon. You will have to stay with them at renewal because you won't have any valid no claims bonus but the year after you will probably be given a 2-year bonus.
4) With TPFT you probably can't increase the excess - you may be able to with some insurers.
5) You can improve the car security by installing a Thatcham I alarm/ immobiliser or a tracker - but these cost quite a bit of money.
6) It may be cheaper if you add a parent onto the policy - providing they have had no claims or convictions - always worth looking into.
7) Garage the vehicle at night and declare the fact to the insurance company
Declare you will only use the car for a few miles a year - if you do this you should stick to it so try and make an honest effort to be accurate.
9) There may still be a 'pay as you drive' scheme around. If you do join one make sure you drive during the day - late-night driving is expensive.
Filed under auto insurance price quote by on Jul 21st, 2010. Comment. 
Question about buying property in Detroit?
I was shocked to see how cheap property is in Detroit, I know the crime is bad, schools are a joke, city services suck, and the auto industry is leaving but you can get a single family home for like under 3k, sometimes a couple hundred dollars. You can get a four flat for roughly the same price.
I'm considering buying a few of these and fixing them up, I had a few questions. If I do work but don't live there will people in the neighborhoods trash the houses and steal appliances? Just how bad is it crime wise? Could I knock the houses down and just hold onto the land and hope the city turns around in 20 years? If so what liablitity do I have in terms of the land, would I need some type of insurance?
Believe me the property is cheap for a reason. I have lived in Michigan most of my life, and have many friends in the Detroit area who have lost their houses. It is not only not safe in Detroit take a weekend here and take a drive around. Don't park your car though, you will come back with parts missing off of it. People are out of work here in numbers that top any other state. While people are sending money to 3rd world countries they need to send some to Michigan. The new thing going on now is, people renting homes, and apartments, staying for 5 months, while never paying anything but move in cost, they are trashing the places and leaving before the bail lift gets there. They are like locust, moving from one area to another,they have figured out how the system works ex; how long they have till they are removed. Rent on the west side of Detroit goes, for a home around $600.00 and the east side around $550.00 to $600.00 in the bad area's. Because of the economy here most places are saying heck with credit checks and pretty much if you can sign on the dotted line your in. So unless you live next door to your properties, don't even think about it. Oh and once there in. You will be amazed at the rights they have. Your court cost alone while trying to get them out will eat up any profit you might have hoped to gain. Google renter rights for Detroit Michigan, also there are alot of loop holes they can get through to buy more time. Also look into the better housing rights for renters in Michigan, one example is even if they don't pay rent, you are under some of the guidelines to still do repairs depending on the complaint, even if the renter is at fault.
Filed under auto insurance price quote by on Jul 21st, 2010. Comment.
Someone filed an injury against me in a car crash?
So about 6 months ago I got in a car accident and I just got a letter today saying that the person filed an injury report of like 6K. this makes me furious, as at the time of the accident she said she was fine and no injuries at all (she even told the police this I think). I was at fault for the accident, so obviously I would be the one who'd have to pay. But she's lying about it, the day of the accident she said she was fine.
If she's filing injury, is there anything I could do to refute it? Am I going to have to pay it or will my insurance pay it? I just want to know what my options are. I got the letter today of her signature and her husband signing as a witness.
Some details: My insurance is state farm and I live in Florida, dont know if that makes a difference though.
This is very common. The fact she said she was ok at the scene means absolutely nothing....nadda, nul, zilch, nuttin, There is nothing you have to, can do or should do. Your insurance will handle everything. They have lawyers who are experts and deal with this stuff on a daily basis. If they determine they must pay, they will pay. Sit back, relax, give thanks that you had insurance and let your insurance protect and defend you. Isn't that why you bought insurance?
Filed under auto insurance price quote by on Jul 21st, 2010. Comment.