——————————————

Answer by puggy563
When I shopped around for my insurance, I got the ideal rate from Unitrin Direct. They gave me the ideal price and its very simple to make ur payment online. Good luck!

Answer by Anonymous
allstates

Answer by gay_in_an_1890s_sort_of_way
One point to remember: your rates are based on what group you fall into. Single males under age 25 pay the highest premiums because that group has the highest risk. Keep your clean driving record with no tickets or violations – that will keep your premiums steady.

Go for a reputable firm (Allstate, Say Farm, Geico, etc) and avoid the “Billy Bob Insurance and Lawn Care” firms, even if their rates are lower. You get what you pay for.

Unfortunately you fall into a high premium group, so VERY important to keep a clean driving record. If you begin getting tickets and having accidents your rates will go SKY HIGH, considering you can get insurance at all.

And when you turn 26, call your insurance company and have your rates recalculated.

——————————————
Add your own answer in the comments!

Is that not sorta wrong?
Is automobile insurance more costly for men, where you live?

——————————————

Answer by fallen_throe
I’m not 100% sure of the figures, but I have heard that women’s automobile insurance is less than men’s because men historically are riskier drivers (drive fast, etc.).

Answer by The Candyman-TrollSlayer-
yeah you should ask this in the automobile section. cuz us in the polls and surveys dont know.

Answer by brad
Probably because men are inherently more reckless when driving, and they just think it applies to all men. And I am not sure if that applies here.

——————————————
Add your own answer in the comments!

and how does the whole automobile insurance thing work

what if i purchase a $ 5000 automobile … how much would i be spending each month including tax, insurance> EXCLUDE GAS

——————————————

Answer by entidtil
To know how much insurance would be, you would have to get a quote. While you do that ask them how insurance works

Answer by Michael S
Too many questions!
Each quote is different according to the individual needs.

Answer by David W
An insurance quote is an estimate of your premium for one term, either six months (more likely) or a year, based on what you tell the agent or website. If you elect to take out a policy, the company will check your drivers record and adjust the premium as necessary. Remember that is just an estimate until things are confirmed.

——————————————
Know better? Leave your own answer in the comments!

——————————————

Answer by LT
Insurance cost different from one location to another, say to state, etc…. but the price doesn’t sound out of line for full coverage. You can check around, but to get insurance on you own will cost more (not under you parents insurance policy).

Answer by oklatom
Hopefully you are still living with your parents, and even though you are officially an adult, their insurance company will grant you to continue being on their policy.

Should they decide to drop you and make you get your own policy, it will be much higher.

You will not see much of a drop until age 25.

——————————————
Know better? Leave your own answer in the comments!

The thing is that the next lowest quote came from the same auto insurance casualty company but through a different agent. And, I have gotten other quotes through several different agents through the same casualty company.

I called the huge company directly and told them the situation. They told me that if he had the VIN of the car then there could be no problem as far as classification of the type of commercial vehicle.

My major concern is that should there be an accident, and this lower priced insurance that I am paying was not accurately quoted by the agent, am I liable for damages? Are there clauses in the paperwork or contracts that protect me from this situation? Will I be obligated to pay the balance of what I was misquoted if an accident occurs?

——————————————

Answer by STEVE S
YOU SHOULD BE GOOD AS FAR AS LIABILITY COVERAGE IF YOU HAVE A VALID POLICY THRU AN AFFILIATED AGENT.
AS FAR AS OWING ANY ADDITIONAL PREMIUM ITS TOUGH TO SAY AS INSURANCE VARIES GREATLY FROM STATE TO STATE.
FOR LIABILITY ONLY THOUGH IT IS DOUBTFUL.
SHOULD YOU BE MAKING A COLLISION OR COMPREHENSIVE CLAIM IT MIGHT BE A DIFFERENT STORY.

Answer by Jared R
First off, you get what you pay for and secondly, if it seems to good to be true then it probably is. I would bump up to COMP and COLLISION as well in my opinion. I would also ask the agent for a copy of the policy itself , called a specimen policy, and comb through it very carefully. It will spell out what you will and will not be getting in the policy. If you are comfortable then yes, go for it. Be advised , anything not covered by the policy in theory could be charged back to you. I work for an insurance company and have seen people lives ruined by not having enough or the RIGHT TYPE of insurance. Bad things do happen to good people. I hope this helps.

——————————————
Add your own answer in the comments!

This is the specifics:
2008 (White) Volkswagen GTI
2-Door Hatchback
46,000 miles 2 Wheel Drive Automatic

Help would be much abliged, thank you.
18 New Driver with no past history of any automobiles. It’s 10 years in the future though. So I am 28 with no record of automobile ownership accidents.
*or And yes, I am asking if someone could call for me. I am extremely busy, so if you can thank you.

——————————————

Answer by Tony
you forgot the drivers age and driving history

Answer by Mike
are you asking people to call and get a quote for you? cause it will be different for everyone. unless you want estimates, youre going to need to call yourself. its pretty easy, and insurance companies will always give you a free quote. plus, not only is it based on your car, but also your record, lisence, age, gender and state. i have a 07 GLI with 85,000 miles and I am paying about 75$ per month. this is through amfam.

just give a few calls. it shouldnt take more than 20 minutes per quote.

Answer by virtuallyretired
Can’t do it for you, because now each insurance company runs a credit report/score check on you. They use it to justify higher premiums. It also depends whether you are married or not. And they want your full address. Who in their right mind is going to do that for you? Each time a credit check is performed it lowers your credit score a little. If your instructor gave you this project they are an idiot who doesn’t know how the system works. Since most school instructors are liberals it’s not a surprise they are clueless.

——————————————
What do you think? Answer below!

——————————————

——————————————
What do you think? Answer below!

——————————————

Answer by Ouch
There is no such thing as cheap automobile insurance in Manhatten!! You might want to think about moving to Brooklyn or Queens.

Answer by Ross
Regardless of who you decide to use, amounts will vary depending on what kind of coverage will you have. Just Liability?Collision?Theft?Vandalism? it all depends on your driving records, the say you live in and how long you are willing to search around…

Simply get off the net, pick up a phone and begin dialing! it is not as if it costs anything.

——————————————
Give your own answer to this question below!

——————————————

Answer by M G
There is none. The harder you push, the angrier people will get. People generally HATE unsolicited offers, especially when someone is trying the convince them that they really want it.

Answer by ME
If you called an insurance company for a quote, and then were not interested, the company legally still has to mail you a copy of the quote for privacy reasons.

Answer by mbrcatz17
Why do you need a rebuttal for a refusal? People do not purchase insurance based ONLY on price, you know.

Telemarketing is rough. And the hit ratio is really low. And, they can just hang up on you if you want to argue with them.

My first lesson in insurance sales, way back when – cannot even remember the name of the guy that taught me this: Sometimes, you just have to accept the “no” and walk away.

——————————————
Know better? Leave your own answer in the comments!

——————————————

Answer by E-dealba
Well If you have a automobile alarm then yes it would, if someone try to open the automobile when it’s locked the the alarm goes off yes. If not then, no. I am not sure what say you are from but i have heard that Safe Auto is very cheap but that is only if you want the say minimum. And if you speak to an agent over the phone for quotes make sure you tell him exactly what you want. B/c agents want to sneak in extra coverages to make a larger commission, I have had that done to me several times when i say the say minimum only and they add 4 other types of coverage. Other then that if you a good driving record the larger Co. can usually offer superior discounts and cheaper rates.

——————————————
Give your own answer to this question below!