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Answer by bonnie m
unfortunately what they stated is true, any insurance company will run a credit report. or even if you are buying anything huge they do a credit report, they want to make sure they get paid.

Answer by J C
Insurance companies several years ago got the commissions in most says to grant them to rate drivers based on credit rating … good credit = good driver, bad credit= bad driver … which is just a bunch of BS. But insurance companies needed another item to based increase charges on. And the kicker is when you shop for insurance and go to several companies, all the checks does lower your score. Just another racket by insurance companies to manipulate the system.

Answer by arealmountainman
The legality of that is questionable, but it is common practice now days in nearly any business. At least they told you about it, most don’t. Employers check it now days also. If your credit report looks bad you will begin having problems getting jobs, rental houses, insurance, and who knows what else, and most denials will not say that it was because of your credit report. Is also ironic that checking your report leaves a bad mark when all the businesses want to check it without your consent or knowledge. Clean up any bad items on your report, wait a bit, and try again. Good luck.

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Answer by Lola
I’ve had them for about 3 years and never had any problems.

Answer by Drewshbag
yup. say farm gave me a superior quote by $ 110. but of course, progressive told me about it lol

Answer by tadreams95
I had them for about a year and never had a problem with them.

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Answer by Anon
You can select not to get auto insurance simply by not owning a car.
The only way to not be forced to purchase health insurance is to not be alive. there is no opt out.

Let me also point out as for as taxes, you can opt not to pay taxes by not having any income.

Answer by Dan B
Mandated auto insurance is only required if you select to drive.

Mandated health insurance does not leave you with any choices. You aren’t even granted to opt out except for certain restricted groups of people.

Answer by BR Tiger fan
I find it strange that you “at a loss” to see the difference.

Never in the history of our country has the government forced us to purchase a product.

In the case of auto liability insurance, the government says, IF you drive, then you must purchase liability insurance.

In the case of mandated health insurance, there is no “IF”.

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Answer by Maxwell
I personally do not see a difference. I think the reason health insurance has been such a huge issue is because of it’s affordability, and it’s general nature. A lot of people have automobile insurance while others cannot afford it. That is okay because you do not totally need a car, you can survive without one. Once again with health insurance, some people have it while others cannot afford it. Now we have hit a touchy subject because in many cases people need such to continue living.

If you have watched Television within the last 10 years you’d notice that insurance ads for both health and car alike are quite frequent. The question here is not which company to purchase from as there are many of them out there to select from, but rather how can we make health insurance overall more inexpensive for everyone? I guess this is the ideal they have been able to come up with for solving this issue, but hey, I could not do much superior so I am not complaining.

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Answer by klausefluoride
Well you can select to purchase a automobile or not (although this is debatable, where I live you would not be able to have a job or go anywhere if you did not have a car).

You do not select to have a body/need healthcare. If anything, mandating health insurance makes more sense than mandating automobile insurance

I’m for universal healthcare.

Answer by Jimmy Whispers Reditus
The difference is BCBS is $ 2900 a month for me. My insurance is 1/4 of that yearly. Politicians will do anything to help out their buddies. How is a single broke mom or dad supposed to pay this?

Answer by Blame You Can Believe In
I cannot foist property damages onto someone if I do not have health care.

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Answer by Cm punk
States rights v. Federal rights

(10th Amendment)

The FEDERAL government does not force us to buy auto insurance. The STATE government does.

And for those who select not to drive (because we have other transportation available), then there is no need for them to buy auto insurance.

Answer by .
You’re at a loss to see the constitutional difference between say governments and the federal government?

Answer by RJC
Auto insurance is a say mandate.

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Answer by Daniel
It’s impossible to answer that without more information. Price is not the only thing to worry about when getting auto insurance. Generally lower price means lower quality. Premiums, deductibles, benefits, coverage… All of these matter.

Answer by jmrob29
Ummmm….NO! Well…I guess I shouldn’t say it like that.

Have you ever heard of Response Wordwide Auto Insurance? Are they matching your coverages exactly or are you doing an apples to lemons quote?

How are they rated as a company in proving customer service and claims handling? This is important too.

Unbelieveably low quotes are unbelieveable for a reason – the rates could double in 6 months. Was this like some companies that offer a low rate for new customers and then at renewal they double the rates?

Have you ever had your Say Farm insurance double or even go up for no apparent reason? I will bet not. In fact in many says policyholders are receiving dividend checks and their rates are actually going down. Amazing–an insurance company lowering their rates and refunding money.

Crazy world, I know.

Ask Response Wordwide Auto Insurance if they have ever done that. Also, ask them how they are rated as a company. And ask them how long they have been in business.

Supplemental: At say farm you build up over time free accident forgiveness – ask your agent about it. Why pay extra for that?

Answer by lepninja
I’ve shopped around a lot for automobile and motorcycle insurance but I have never heard of Response Worldwide Auto. You have to be careful with insurance because it doesn’t matter how cheap your premium is if they do not pay out if you get in an accident and by then it is too late to do anything about it.
State Farm is very reputable. I would be hesitant to trust an insurance company that I had not heard of.

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Answer by FreeThinker
Prius actual gas millage is in question right now after some independent testing was done, you might want to do some more research on that car. You might be getting the same MPG in your Saturn.

Answer by cobraeaterss
It will go up some but not as much as you might think. I drive a 98 GMC Sierra pickup truck and the insurance on it is only about $ 25 or so lower per month than my wife’s ’05 Chevy Tahoe.

Answer by clre
You really should do some research on your actual savings. By the time you purchase a new automobile and have a monthly payment and then have higher insurance (yes it will go up) you would have been superior off with your saturn. Economic researchers are stating that now is not the time to get yourself into a massive debt. As far as insurance, you can call any ins. and they will give you a quote, but its nearly certain that your ins. payment will go up. Your driving record will determine how much.

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Answer by Nick Moretti
I heard that company that has the commercials with the cartoon girl with the pink hair is a good one to go with.

Answer by Gene
Cost-U-Less will give you the cheapest in California. They are nationwide also.

Answer by Adel
With all due respect, this gets asked many times each day and there is no answer to it…

it depends on where you live, how much coverage you are going to want, who else is in the household, and the credit score of the owner Why not ring that phone number you saw on that billboard or on the telly??

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Answer by garybing
I ran into one who decided to change my rate because they assumed I had a different model of Accord when they prepared the quote. I was not buying it as they asked for the Vin. number before the quote was given. In the vin number everything that what the automobile has and doesn’t is coded in there. Therefore no excuse. Then they stated the quote was for a married person when they were already were informed that I was single. I did not want them to tell me that , “Oh are quote was for a married female,” which would also cause a low ball quote as well.

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