Cheap Monthly Car Insurance

Questions and Answers

Your Questions About Car Insurance Groups 1

June 24, 2013

Jenny asks…

What is the best way a low income student can get health insurance?

Again, low income and can’t rely on parents and how could I get retro coverage for an emergency bill a month ago.

Currently uninsured, only insurrance is car insurrance.

Administrator answers:

Check out health plans available through your college and see what students like you are doing about health insurance. If that doesn’t work, several major insurance companies have developed plans aimed at the so-called “young invincible” market – people in the 20’s. That’s a good thing since about a third of all recent college graduates don’t have health insurance. Two of the most prominent plans are from Blue Cross Blue Shield and UniCare. The BCBS plan is called the “Tonik Health Plan” and was originally developed in California, but is expected to expand rapidly. It features low premiums ($70-$135) and high deductibles ($1,500-$5,000). Another plan for men and women in your age group is from UniCare. Again, it started in Texas but is supposed to branch out to other parts of the country. It’s called “Sound” and has features similar to the BCBS plan.

Health plans differ in three basic ways:

•monthly price/annual deductible
•access to health care (the degree to which you can visit whom you like and undergo medical treatment a specialist thinks you need)
•financial strength of the insurance company

Also, the price of a plan is not simply the premium you pay each month. You also have to consider the annual deductible, as well as any coinsurance amounts or copayments. Additionally, the savings you can achieve through an HMO, PPO, or other managed care plan can be erased if you have to go outside the network for expensive medical care. I’ve included links to two articles that do a good job of walking you through making the best possible choice in health insurance you can afford that still provides the coverage you need.

You might also want to look into short-term medical insurance. It doesn’t offer the same range of benefits as longer-term insurance, but many people get these kinds of plans when they’re in-between jobs. Typically, they last from a month to six months, although you can find short-term policies that last for a year. Short-term plans usually help pay for:

•Hospital room and board
•Ambulatory services
•Intensive Care
•Lab Exams
•X-rays
•Prescription medications

The Web has many different Web sites where you can compare and contrast local health plan prices and features. MostChoice.com is one such site, and you can also get in touch with local area agents without any obligation. Tell them what you want and what you want to pay and have them do the legwork for you.

You can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm

Hope this helps,
Barnes@MostChoice

Steven asks…

What size engine should i get for cheap insurance?

It will be my first car, and i don’t really want to be paying allot on insurance, but want a nice nippy little motor. So what size is cheap for insurance but not too small to be really really slow lol.

Administrator answers:

It is the insurance group you need to look at not engine size. Group 1 will be the cheapest so that is what would be the perfect cheap to insure car.

Daniel asks…

What should a person think about before they leave a job to go into their own business?

If someone has a job where they are paid well, has health insurance but they just don’t feel good anymore, about what they are doing & they think being in their own business is a better fit, what should they look at before making a change?

They live in an area of the country where people have good jobs & want to pay them to do work around their house using their building & contruction skills.

They also have a high rent living in that area.

Administrator answers:

1. Get a book about writing a business plan and do every single thing in it (ie market research) to determine if their idea for a business is a viable one. Just because you want your business to be viable doesn’t mean it actually will be. Writing a business plan helps you face reality.

2. Stay in your current job and do your business on the side as long as humanly possible to keep both money coming in and those precious benefits.

3. If they decide to make the plunge and leave their job, first take care of all your medical needs BEFORE quitting their present job – physical, eyeglasses, dental, you name it, get it all taken care of. Check with human resources to sign up for the COBRA program to continue your insurance as long as possible then save up the money to cover the premiums. Save up at least a year’s worth of rent, car insurance (and registration, inspection, etc.). Move someplace with the cheapest rent you can find. Start going to meetings of groups like the Rotary and network. Go to the Small Business administration website and read everything. Clean up your credit completely before quitting your job. See if Meet-up has a group near you for new business owners and go.

Hope this helps!

Laura asks…

What is the best way to visit Tijuana while staying in San Diego?

The last time I did this I took the bus. I’m thinking about other options like renting a car and driving over or taking a taxi to the border then walking over. Or maybe the bus is the best way?

Administrator answers:

Things to think about:

1. TJ’s Crime is Horrible!!
2. Cops and Drug dealers are on the same team.
3. Carjacking is always common.
4. They take to all Americans, and see them as all having money.
5. If you drive, make sure you have Car Insurance that covers you in Mexico.
6. Do you need a passport now a days?
7. Plus, there are SOOOOOO many other things to see in Southern California! (If you want names, Ill give you names)
8. You must go with a group!

Helen asks…

Cheapest cars to insure for a young male driver in London?

I’ve been looking at 1.2L – 1.4L Fiestas and Corsas as I’ll be taking my test soon, so I’m researching what hatchbacks are the cheapest to insure because I’ll be 19 this year.
I know, I’m open to any suggestions that will keep my premium down but the cars listed are the ones I’ve personally been looking at.

Administrator answers:

Try looking at the diesel versions of the cars you’ve been looking at.I personally prefer modern diesels to there petrol variants.low end torque makes them easy to drive in town and a lot more refined on motorways.now for the important bit,insurance.a ford focus 1.8 tdci sport with 110bhp is insurance group 6,fiesta’s and corsa’s are lower again.lower road tax is also a bonus.take a test drive and see what you think.good luck on your test

Ken asks…

what is the fastest car you can buy with insurance group 12 or lower?

had a 1.8 asta coupe for way too long and am lookikng for something faster! i can get insured up 2 group 12 so need something a little quicker for my next insurance renewal… any suggestions appreichiated! :D thanks

Administrator answers:

Going faster saves less then 1 minute a day.

Michael asks…

What cars are cheep to insure for a 17 year old?

I’ll be 17 next year and ive started looking at cars, but i want to know what ones would be cheep to insure, yet look decent and cool lol either of those are fine.

Also here are a list of cars i have been looking at

Pergeot 307 d-turbo
Vauxhall astra 2002
Seat Ibiza

Administrator answers:

Peugeot 106, quality car, my insurance is £1250 but that’s with mods
vw fox is group 1 if you like them, and they are easy to drive
go for a small car like punto or corsa

Donald asks…

How much would it cost to insure and run a Volkswagen Transporter T4?

How much would it cost to insure a 2001 1.9 Litre Diesel Volkswagen Transporter T4?
Thank you :)

Administrator answers:

Impossible to give an answer

There are many factors which are used by the insurer to calculate the risk and so the premium they charge for car insurance – these are mainly;
1 Age and sex of the policyholder (who must be the Main driver, and registered keeper) and that of any additional drivers.
2. The cars age, mileage, value, insurance group, security and the companies own claims history for that vehicle
3. The occupation of the policyholder and any named drivers
4. The claims history of any drivers
5. The licence details of drivers (endorsements, length of time held)
6. Where the car is normally kept overnight (is it the policyholders address? On road is more expensive than on a drive which is more expensive than in a locked garage.
7. What use will the car be insured for, social and domestic is the minimum but if commuting and use for the policyholders business or their employers business is added the price increases. If used to commute where is the car to be parked when there – on road or in a car park.
8. Does the car have any modifications from the standard factory fresh condition like alloy wheels or performance enhancements – some insurers will refuse to cover modified cars, some will increase the price and some will cover them but only for return to standard.
You need to tell the full truth about everything asked and inform them of any changes to any of the details disclosed as the policy goes on – failing to do that can render it null and void.

Paul asks…

what is the fastest car you can buy with insurance group 12 or lower?

had a 1.8 asta coupe for way too long and am lookikng for something faster! i can get insured up 2 group 12 so need something a little quicker for my next insurance renewal… any suggestions appreichiated! :D thanks

Administrator answers:

Probably the Alfa-Romeo 156. It’s good for 135 + MPH

A 3 series BMW gets pretty close to this. The smaller engined versions might just make it into GP 12.

Ian M

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