Cheap Monthly Car Insurance

Questions and Answers

Your Questions About Cheap Monthly Car Insurance

June 15, 2013

James asks…

Is it better to pay 6 month or a year on our car insurance for a better discount?

does it matter whether we pay 6 month in advance or a Year in advance when paying for our car insurance? is it the same amount of discount?

Administrator answers:

You should receive a bill when your insurance is due showing monthly cost,3 month cost,6 month cost and annual cost. I pay annually and as i recall it is a little cheaper than 6 month. Why not ask the insurance agent or company for a exact quote.

Joseph asks…

Does anyone know what some good health insurance companies offer and how they work?

What are some good health insurance companies? Good meaning
good coverage
low deductible
nothing shady, or in the small print that is kind of dishonest
not expensive for a college student ?
does the deductible include the monthly insurance premium?
Do health insurance companies ever allow a person to have a policy through their company as well as a policy through another company?
Are there any reasons you may be denied the insurance?

Administrator answers:

There are many good companies, and with health insurance you get what you pay for.

When you shop for a new car you have a choice between the basic low end model with no options, a fully loaded luxury car, or something in between. Health insurance is the same. Most companies have several plans from the basic to the comprehensive. Each plan will have a variety of deductible choices which can range from $0 up to $10,000. If you shop for the cheapest you’ll get the basic low end model which may or may not have the benefits and coverage you are looking for.

Some colleges have policies available, you can try there first to see what options you have.

The deductible does not include the premium, however, with most plans you do not have to meet the deductible before you get the doctor visits or prescriptions for the co-pay.

You can have two policies but they don’t pay twice. One will be the primary policy and will pay first. The second will be the secondary policy and MAY or MAY NOT pay the deductible and co-pays. Usually it is not cost effective to have two policies.

Yes, you can be denied if you have a pre-existing condition or if you are over the height and weight guidelines. Depending on the pre-existing condition you might be accepted but that condition won’t be covered.

Visit a local agent that works with all the major companies in your area. The agent can find the best plan for your situation and budget and can explain what you get and, more importantly, what you won’t get with the plan. There is no extra charge using an agent.

Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed nor insured. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm for more information. Many other states are starting to ban these cards as well.

Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.

Carol asks…

How much monthly allowance would you give your child (college student)?

A couple of notes to take into consideration:
*Located in Los Angeles.
*School covers everything except food.
*Student lives in an apartment instead of a dorm, because it is cheaper.
*Allowance would include grocery, books, laundry, and miscellaneous expenses (fun, emergency, etc.)
*Student was jobless freshman year first semester and received good grades. Held a job second semester and sophomore year first semester, however grades took a hit.
Allowance will also cover $100 monthly phone bill and a job is not an option.

Administrator answers:

My daughter was unable to work while an undergrad because of illness. The family sent her $400 a month for her expenses. This money came from her grandmother who is a retired school teacher. I paid for her cell phone bill as she was on my family plan. She did not have a car.

At grad school she has a full ride for tuition and a small stipend. The family sends her $1500 a month. She does now have car expenses and she pays her own cell bill, car expenses and medical insurance from that. She now lives in a townhouse near campus.

Please note that we are not wealthy people. Her grandmother contributes $500 a month of that and I contribute the rest out of my engineer’s salary and other income.

Paul asks…

What is the Best/Easiet/Cheapest way to travel throughout England, Scotland and Wales?

I am embarking on a 1-2 month journey throughout England, Scotland and Wales. I was wondering what is the easiet/cheapest way to travel? Also which company/site? Thanks for the help. Peace.

Administrator answers:

If you are not from the UK, you can buy unlimited train travel in advance before you come here (see http://www.raileurope.com/us/rail/passes/britrail_consecutive_pass.htm for example) but if you are British this isn’t possible, so you will have to explore more creatively. A young person’s railcard can help, as can avoiding peak times and booking tickets in advance. You can also get “fab four” tickets if there is a group of people travelling together.

Apart from the train, you might find www.megabus.com do cheap tickets (£1-5) to some locations, and many towns and counties have cheap local bus travel, often with the option of daily, weekly or monthly travel passes. National Express go to more places, but are a bit more expensive.

You could also consider lift-share schemes or finding travelling companions (eg check out http://www.gumtree.com ). Hitch-hiking has some safety concerns, but is completely free of charge. You could also hire a car, with longer rentals having lower daily costs (eg http://www.easycar.com ).

Finally, consider purchasing a vehicle at the start of your stay, and re-selling it before you leave. A bicycle would be cheapest and require no running costs, but leaves you exposed to weather, limited in speed and requires physical fitness. A motorbike or car will need road tax, insurance and an international drivers license. Be aware that our fuel is very expensive, and in cities there can be heavy traffic and expensive parking.

In terms of acommodation, there are several cheap options including camping (http://www.enjoyengland.com or http://www.ukcampsite.co.uk/ might be good places to start), youth hostels (http://www.yha.org.uk ) or bed and breakfast (http://www.bedandbreakfasts.co.uk )

I hope that gives you a start, but feel free to ask more specific questions for more info.

George asks…

Anybody know of any cheap monthly insurance companies?

If you know of any please list. And can you sign up online with them?

Thank you.
Sorry forgot to put, car insurance lol.

Administrator answers:

Find an insurance broker…it depends on your state, age, car, et… A good broker will find you the best plan.

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