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Can someone explain insurance types and recommend one?

My husband's company provides insurance, but we didn't know that a spouse has to be added within 30 days of getting married and a child has to be added within 30 days of being born. After that there is NO other open enrollment period or chance to add us on. I am looking to get some insurance and I really don't know what type we need. What is the difference in a HMO and PPO? Someone told me Florida has a state insurance now, does anyone know about this? Do you have any suggestions of a company to try that will be affordable?

   








My mom is 83 years old .She does not have health insurance. How much will cost physical exam for her?
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16 year old with $51,000 car. Insurance?
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Affordable Health Care Act Question Regarding Dependents Under 26?
Cost of Insurance if you were to open an MMA Training Dojo.?
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10 POINTS! Is it expensive to insure and range rover?
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Question about car insurance?
https://liasoftdetyrog.wordpress.com/2017/06/01/what-is-the-cheapest-car-insurance-you-can-think-of/

https://gyotrocsadussgold.wordpress.com/2017/06/02/cheap-car-insurance-for-18-year-olds/






























































"1994 Ford F150 w/121,000 miles. get liability or full coverage auto insurance no loan?"
I'm buying a vehicle and i dont know whether or not to get full coverage or just liability. i bought the truck for $1200 and im sure its not worth much. but im afraid that if something goes wrong, and i dont have full coverage then im gona be screwed as far as getting any help from insurance to pay for it. i dont have a loan so i dont have to get full coverage. HELP!"


"I own my own buisness, Where can i get affordable Health Insurance?"
Small business, small budget, only need health for myself. Who has the best price? Help"


Will my homeowners insurance pay me WHEN my garage falls down?
By the way, I am by no means trying to rip off my insurance company. I am trying to gain insight as to what will happen if I just let it fall down, versus trying to fix it up. I would rather get opinions on here first, as opposed to calling my agent up and being flagged"


Will my insurance go up if my son gets his license?
Will my insurance go up if my 16 year old son gets his license? He wants to get his license this week but he's not going to start driving alone until June. Will my insurance go up right when he gets his license or only when he starts driving alone in June?


Does My Homeowner's Insurance Cover a Collapsed Patio?
It's more of a deck than a patio. Sorry for the confusion.


Car insurance in California?
I heard that if you have a car insured in California, each additional car that you acquire that's registered has 30 days before it needs to be insured. Is this correct? If so, where can I find the official documentation?"


Does BCBS PPO dental insurance cover teeth whitening?
Would my insurance help me out at all with teeth whitening? I really need them done but it is kind of expensive.


Do you think that having health insurance is a civil right?
Do you think that having health insurance is a civil right?


Is fire insurance affordable in the inner city?
Is fire insurance affordable in the inner city?


Why is my insurance so high?
Oh yeah, and I'd also like to add, that I have had zero accidents or tickets of any sort ever. The only time I was ever pulled over, was because the cop wanted to tell me that one of my break lights was out, which I didn't know of and he just let me go, advising me to fix it before someone did actually give me a ticket."


Anyone know any car insurance company's that can offer cheap car insurance for a 18 year old?
I am 18 and just bought a Nissan Altima 08. I live in California, Los Angeles. I am trying to get insured and they want to charge me $3000 a year. Thats $250 a month for car insurance. Its more then my car payments. Anyone know any insurance company that can offer a better deal?"


Cheap car insurance companies in the UK for young males?
Cheap car insurance companies in the UK for young males?


Is this how liability car insurance works in general and when you grant someone permission to drive your car?
This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone elses car. I called my car insurance and asked them and they said that insurance follows the car rather than a person. So no matter who would be driving it, it would basically be their responsibility. Now, would this also include letting your kid or a family member drive your car? even if they're not in the actual policy? It seems like when that is the case, things get somewhat confusing. I'd love to hear any input from anyone who ever has or currently does work in the car insurance world."


How much will my insurance go up?
I live in Maine, I was pulled over yesterday for doing 74 in a 65. I got a ticket obviously. It's my first one EVER. I am 24 and my parents pay my car insurance. I wanted to just pay it and not tell them about it because they will get mad. We have our car insurance through State Farm and have for a really long time. Some of my friends are telling me that since it's my first ever ticket it shouldn't effect my insurance too much. Is this true???"


My boyfriend is driving an unregistered and uninsured car for an undetermined length of time. He has no title or receipt to prove ownership.?
I drive legal and intended to report him. Just wanted to know what to expect either way. Thank you for responding so quickly everyone :)


Can someone explain insurance types and recommend one?
My husband's company provides insurance, but we didn't know that a spouse has to be added within 30 days of getting married and a child has to be added within 30 days of being born. After that there is NO other open enrollment period or chance to add us on. I am looking to get some insurance and I really don't know what type we need. What is the difference in a HMO and PPO? Someone told me Florida has a state insurance now, does anyone know about this? Do you have any suggestions of a company to try that will be affordable?


What is the average cost of home owners insurance in texas?
what is the average cost of home owners insurance in texas? we are thinking of buying a house but all the morgage calculators have a space to add home owners insurance in to the monthly payment. I need to get a rough estimate of the price range of a house we could afford i know we cant afford much so it would not be for a house more than $100,000 for sureso not a big fancy just a basic 3 or 4 bedroom house. please give me an estimate i know it depends on the house locatoin and all that but I am completely clueless as to if it adds $10 or $100 or $300"


Will auto insurance be cheaper If i'm on my parent's plan?
I'm 17. I graduated college early, so i'm now a sophomore in college. I have a job, where I make generally $600 a month. Not much but i'll be graduating soon so I can deal with it until I move out. Anyway, I'm having to buying my own car because the car my parents bought me is sadly a piece of crap and breaking down every other day. (06 suzuki, they should stick to making ATV's.) I'll be making $100 per month car payments until February, and i'll also be paying for my own insurance. It's complicated. The lowest quote I can find online is about $186 bucks, which I can't afford. I don't need full coverage, I can't afford it. And won't be able to for a while. If i'm on my mom's insurance plan, it should be quite a bit cheaper, right? I'll be 18 in a month but i've had 1 speeding ticket. The car i'm buying is an 02 Jeep liberty. Is it possible to be able to pay around $90-$130 under my mom's plan? Or is that just completely out of the question."


Cost of renters insurance?
how much does renters insurance cost in burleson texas area?


What would my insurance be if i got a crotch rocket?
im 17 and have my license for a car. i was thinking about getting my motorcycle license. what i want to know is, how much would the insurance be if i bought a crotch rocket? yes, i know how to ride one."


Car accident: wait for police report to file insurance claim?
I've never had a car accident so have no idea how this works. I had a car accident 4 days ago where a car hit mine from behind (completely the man's fault). We didn't exchange our info or said anything, I just wanted to wait for the police first. When the officer got there, he came to me 1st and I explained everything and it was clear that it was the mans fault. Then he told me to move my car into the nearby shopping center to not block the road and wait for him there. The man's car's tire had popped so he couldn't move it and they stayed there to talk. At this point, the officer was prob getting his info & writing the report. Then the officer comes and finds me and gets my info, writes it down, then hands me a sheet with both our info on it. He told me all I had to do was call my insurance company and give them the report #. So I did that the next day and my insurance company couldn't find anything besides his basic info like name, address, license and all that. They could not find his insurance info. And since I wasn't able to speak to the man, I don't know if he has insurance or not. I thought the sheet the officer gave me would say everything. So I called to police dept and they said it was because the report is not out yet. So my question is, am I supposed to wait for the police report to come out and then contact my insurance company? I thought insurance companies say to call them right after the accident."


How does health insurance work?
I'm completely lost on how health insurance works... and I'm finally starting to work and don't know what to do =/ so any information about it is greatly appreciated. thank you


For a special 15 year decreasing term life insurance?
For a special 15 year decreasing term life insurance?


What does full coverage auto insurance include?
is collision and comprehensive required for full coverage? what about underinsured motorist"" insurance? i need to know everything full coverage includes because im buying my first car."""


Teen son stays out all night?
He is 18 & works part time. He spends his money on tatoos, cigarettes, junk food, etc. He does pay for gas in his car.We gave him a good used car when he got his license & when he turned 18, due to a speeding ticket, we put him on his own insurance policy. We've been telling his he has to pay for his insurance, he has the money for it, but he can't seem to get around to paying it.This is probably because he figures we'll pay it out of necessity.Every night he goes out and says he'll be back by midnight, 2 a.m., or whatever time we agree on. Instead, the night gets later & he does not show up. We try to call & text & can almost never reach him. Some mornings he's come home around 3:30 a.m. and other times we can't reach him until noon the day after.He says he is spending the night with a friend whom I've just met (finally) and is 16, a minor, stating they play video games all night.I've begged him to have this kid overnight at our house sometime.Finally,last night he did.They said they'd be here for dinner but I didn't hear from him. Around 10 p.m. I reached him & he said he & 2 friends would be here by midnight. 1:15 a.m. they weren't here. I called him,reached him,he said he'd be here in about 15 minutes. 2:00 a.m. I called again & he said he was almost home,with the 2 friends,both minors.They came in,smelling strongly of cigarette smoke.My son is an adult by law & my husband/his father, is in law enforcement & has explained the ramifications of contributing to the delinquency of minors.Also,my husband & I are having marital problems & are trying to mend the relationship.This added stress about whether or not our son is coming home or has been involved in an accident or has gotten in trouble, etc. is adding to our stress tenfold. He's our only child & we feel it is inconsiderate of him to be unreachable most of the time & we worry about his safety.We are afraid to take his cell phone as discipline,because if he needs it for an emergency we want him to have it.He works 2 to 3 nights a week waiting tables at a nearby restaraunt. How can I get him to come home on weeknights so that my very stressed & depressed husband and I can get some relief? We're worn out everyday from waking up through the night & finding our son's bedroom empty & being unable to reach him. My husband has a heart condition & this stress is really a problem. I have been diagnosed with major depression & have been medicated for many years. Most of the time the depression is under control. We have to much going on to have these added worries. We didn't raise him to be so inconsiderate."


Cost of insurance for 1998 Porsche Boxter?
Hi, I'm a high school student and I recently purchased my uncle's 1998 Porsche Boxter. However, I would like to know the cost of insuring this car. Please don't give me websites, I would actually like a figure without inputting a ton of information into an untrustworthy site. I'll give 10 points to the best answer. Information that may be useful: -high school student (first year of driving) -GPA: 4.0 -Drivers Ed: taken -Gender: male Thanks in advance for any helpful answers! If you don't know for sure, an estimate would be appreciated as well."


How much would my insurance be is I have 4 points against my license?
I gotten 2 speeding tickets within 6 months (4 points in south carolina...I have a good reason to be speeding!)...I am currently uninsured but my vehicle (2000 Honda CR-V) is insured under my mom's insurance with Geico... I'm 19 years old and soon I will have to register my own vehicle and get insured...my mom doesn't know that I have tickets. I go to college and I'm a pretty good student (4.0) would I get a discount with that? Also, what is the cheapest insurance? Thanks!"


Auto insurance rates in USA?
Auto insurance rates in USA?


What do all of the new car insurance groups mean?
I am looking to but a second hand car but am slightly confused by all of the insurance groups, so what does 4a mean - high/low some where in between? Does it mean that group 1 is low and group 10 (for example) is high? What about all of the letters?"


Whole life insurance policy?
My whole life insurance policy has been paid up? My mom borrowed money off of it in the past...how much are you allowed to borrow on that?


Best car for a broke teen driver?
I'm 14, so I wont be getting the car for another year or so. I'd be paying for it myself, so I'd like it cheap, with good mileage and cheap insurance. I'd also like it to be nice and sturdy, even if its at the cost of good gas mileage. It also shouldn't be prone to breaking down or needing expensive repairs, because I couldn't afford anything huge. Thanks for the help!!! (btw, I'm asking so I know what to look for and how much to save up. Please don't tell me bicycle or shoes, I live in Minnesota, and I already walk and bike plenty. Thanks)"


Can someone explain insurance types and recommend one?
My husband's company provides insurance, but we didn't know that a spouse has to be added within 30 days of getting married and a child has to be added within 30 days of being born. After that there is NO other open enrollment period or chance to add us on. I am looking to get some insurance and I really don't know what type we need. What is the difference in a HMO and PPO? Someone told me Florida has a state insurance now, does anyone know about this? Do you have any suggestions of a company to try that will be affordable?


Do you think my dad is paying to much for insurance?
my dad is around 44 years old and he has never been in a car accident. He has gotten tickets from when he was 19 years old. He has California casualty and he has been with them for years, we live in oregon. He has a 2006 toyota tundra darrel waltrip edition 4.7l v8 valued around 20k. He told me he pays around 100 a month for full coverage. We have 2 cars on his insurance, toyota, and my eclipse. Iv never gotten any tickets(dont know if that would affect it). THE reason i ask this is because my bf's dad just got a 2006 mustang gt and they said they only pay 76$ a month. So im just curious, Do you think my dad is over paying?? THANKS"


How much should I be paying for Car Insurance? - 99 Honda Accord 26yr old male?
I have a 1999 Honda Accord , Fair condition, 124,000 miles. I am paying aprox 1500 per year for my plan. I am 26 with some points . Last Ticket was in Jan 2005 speeding, one other ticket in 2004. Clean since then. One accident that was not my fault. Should I drop my collison and does anyone have an idea on what a typical plan would run me? I feel like a 1500 dollar plan on a car that is worth 4500-5000 blue book car is a bit much. Thanks"


What is the cheapest plpd insurance in Michigan?
What is the cheapest plpd insurance in Michigan?


"Which came first, the incredibly high medical fees--or the insurance companies?"
Before the insurance companies and HMOs, how were medical fees? Were they extremely high like they are now--even for basic services that shouldn't be so expensive? Has insurance companies helped or hurt America since being involved in health care?"


Short Term health care insurance plan in California?
I am currently a student.


Affordable Health insurance in CA ?
I'm looking to buy health insurance in CA. my income is 10,000$ a year and because i only work part time. i applied for Medical few months ago through welfare office, but my case worker was really mean he was asking for a lot of documents in order to approve my application and every time i go to the welfare office they make me wait for 4 hours.so i decided to look for health insurance through Obama care website but i found that planes that cost 100$ and below doesn't cover even 30% of the medical expenses. any ideas about getting affordable health insurance in CA with good coverage ??? Thank you"


How much should we pay for health insurance?
Our employer covers some of the cost. We are a family of 3 with an annual income of $36000. In 2013 we paid $80 a month with $20 per visit medical co-pays with most things 80% covered, $35 vision benefit per person/yr and $900/yr total for whole families dental. In 2014 it increased to $180 a month along with $25 co-pays. Now its increased again to $220/month benefits have stayed the same. Is this a fair amount?"


"When it comes to your car insurance, when is it cheaper to let your kids get their licences?
is it smarter to wait until they are 18; if they get their licence before they are 18 do your rates go up higher or lower then if they waited until they're 18.


Will home owners insurance or the drivers insurance pay for my dogs med. bills?
my dog was hit by car and we were yelling and screaming for her to slow down but she was not paying attention and my dog who was standing on the side of the road bc there was another dog across the street was hit. this woman was not paying attention and bc of that my dog is now in surgery. it is very expensive, is there anyway my home owners insurance or the womans car insurance will pay for the bills?"


Will my insurance go up if I putting a claim to replace my windshied on my car? How Much?
Will my insurance go up if I putting a claim to replace my windshied on my car? How Much?


"Looking for cheap car insurance,small car,mature driver? any recommendations?"
Looking for cheap car insurance,small car,mature driver? any recommendations?"


Which of the following statements is true about health insurance?
A. Employers must pay the entire health insurance for all of their employees. B. Employers must pay a part of the health insurance for all of their employees. C. Employers must offer health insurance to their employees but are not required to pay for it. D. Employers are not required to offer health insurance to their employees. Thanks for your answers.


Claiming for a tv on home insurance?
My tv got cracked while moving it to look at the cables behinde.I have accidental insurance but I do nt know will they pay for it


Cheapest Way for an international student to Drive a car in the UK with an international License?
I will be staying in the UK for 1 year and need a car cuz I will be driving around 50 miles a day. I looked to buy a cheap car but the insurance is around 6000 to 8000 a year cuz i am young and driving with an international license. The cheapest thing I found was renting a car for 13-14 a day. Is there anyway I can drive cheaper in the UK? If renting is the only choice, what is the cheapest renting diesel car can I get in Birmingham?"


AAA insurance will only pay body shop?
Hi there, My mom was rear ended by an uninsured motorist while driving my car. I have uninsured motorist coverage and AAA estimated the damage to be approximately $1000. I own my car (it's paid off) and I would rather buy the bumper and someone I know replace the bumper, rather than go to the body shop of AAA's choice. AAA does not want to give me a check and is saying they want to pay a body shop to do it. Can they do this? I looked at my policy and it doesn't say anywhere that repair costs are to be paid to a body shop, rather than the car owner or driver. I certainly don't have anything signed that says that and there is nothing in my policy details. Thanks for your help!"


Can someone explain insurance types and recommend one?
My husband's company provides insurance, but we didn't know that a spouse has to be added within 30 days of getting married and a child has to be added within 30 days of being born. After that there is NO other open enrollment period or chance to add us on. I am looking to get some insurance and I really don't know what type we need. What is the difference in a HMO and PPO? Someone told me Florida has a state insurance now, does anyone know about this? Do you have any suggestions of a company to try that will be affordable?