Why is short term health insurance so expensive?

Why is that it is 10x more expensive for health insurance for terms less than 180 days? Could one not just sign up for long term coverage and then cancel?

BEST ANSWER: Try this site where you can compare quotes:INSUREFOREVERYBODY.INFO

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What to do when switching car insurance?

I am planning on switching car insurance providers b/c: 1.) My car got stolen 01/25/2013 and I only had liability coverage (car was a 1996 Nissan Maxima) 2.) I was hit in October 2012 and it was not my fault and received settlement money b/c my car was deemed a total loss 3.) With that money I put a down payment on a used car this past weekend b/c now I truly had no car 4.) I now need full coverage to my current policy and replace the old car with the newer one but the 6-month premium is too high. While shopping around for car insurance, I found an auto quote that was A LOT more affordable than if I were to stick with my current insurance. With that being said, I had a lot of questions. I got into a car accident in May 2012 and it was my fault. No one was hurt and no air bags deployed. My insurance paid the damages. Now, if I cancel my policy with them, does that mean that I have to pay the insurance company back the money for the damages they covered to the other car? My other question is how much information do I disclose when applying for a new auto policy? I have of course included the at-fault accident in May and I also included the accident that was not my fault. Before these 2 accidents, I had one just one that was in a parking lot. The other driver and I were deemed both at fault, 50/50. Damage to his car was around $700. That was 3 years ago. The insurance company I was looking into said online to include accidents that were at least 51% your fault and accidents that weren't your fault too. Do I include this accident too even tho it was 50/50? My last question is about speeding and points. I my first speeding ticket in June 2012. I got a reduced fine and went to traffic school so it wouldn't show up and get a point. Once again, while looking at auto quotes, they asked if I had a moving violation which includes speeding. Because I went to traffic school and everything, do I tell them about that too? Despite the bad luck I've had this past year with my driving record, I only have one point. The 50/50 accident will be off because it's the 3rd year. I live in CA and got this info from the DMV website: The length of time depends on the severity of the offense. Most points (illegal turn, not making a complete stop, driving over the speed limit, etc.) and/or accidents will stay on your driver record for 36 months (3 years). I've included the link: http://www.dmv.ca.gov/teenweb/more_btn6/points/points.htm Any advice and suggestions is greatly appreciated! Thanks!

Cheap truck insurance in ontario?

Motorcycle Insurance?

Ive been trying to find online quotes but am unable to (don't know why, but they cant give me a quote online). Anyways I was just wondering what insurance company would you recommend for motorcycle insurance? I want to buy a bike, I don't have my M1 (because I don't want to take the test before getting the bike), and obviously I've never taken the motorcycle course. Yea I know it would be hard to get a quote given that I have zero riding experience or licensing but cmon do you really expect me to get my license only to have it expire in 90 days without even having a bike yet? Anyways when you started out what kind of insurance were you paying and with who? Also is 600cc pushing it? will that screw me over for insurance? I was looking into getting a honda 600. Thanks!

Is there any affordable insurance plans I can get in NJ( South NJ )?

Particularly Dental Insurance. I am 20,a Part-time worker who also goes to college full time. I am not covered by my parents nor have I ever had insurance. I am one of the many Americans who do not recieve proper health care due to low income however I do need to get Dental Insurance, and Health Insurance. Is there any reasonable companies to look into?

Wich is is best life insurance ?

wich is is best life insurance ? MY AGE IS 32

Why can car insurance base on statistics, but other things can't.?

Is it women who gossip more at work or men? Is it women who bring their personal life to work more or is it men? Is it women who will have to take a huge break at work because pregnancy or men? Why are women paid lower? Is it men that get in more wrecks then women? Is it men that have the need for speed always in their head while driving? Is it men that buy flashier cars? Why do men pay more for car insurance? So basically we have one type of company that can be sexist on statistics, but what about statistics everywhere else? Also, does the rule not look at soccer mom statistics? I've seen way more women talking on their phone then men. Six parking lot wrecks at my work this year all caused by women in my office (none by men). I drive a 5 speed so talking on the phone isn't something I even like to try. The reason for my complaint is my sister is 17. She has one dui and two speeding tickets. I am 21 I have a clean slate other than a warning for my headlight being out and nothing else. My insurance is $1320 a year her insurance is $720. We drive the same car and have had the same courses. It makes me feel like it makes sense I should be paid more because I pay more because something I can't control.

10 points! I'm 17, moved out, car insurance?

Ok, so in 7 months i am moving out of my moms house and in with my boyfriends family for a year or two. ( My mom is aware of all of this btw) Anyways, allstate is throwing me off my moms car insurance due to the fact she will live in a seperate state and away from me. The time i move and the time i turn 18 is a two month difference. I move in june my bday is in august. It's nearly impossible for me to find insurance qoutes because im not 18! I do't want to get emancipated it seems like a waste for 2 months difference, but if i do can i get insurance on my own? i will be sharing this car with another driver older the age of 18 but still cosidered a young driver. What are my options? I have to drive to get to work!

Can you get insurance with just the chassis number for a new car/bike?

I'm trying to buy a new bike and in order to register it i need an insurance certificate. The trouble is all insurance companies i've tried getting quotes from online only do insurance with the registration number. Does anyone know of any that do it with the chassis number??

Where to buy workers compensation insurance cheap in NY state?

Teen Insurance?

I was wondering how much the cost would be for teen insurance for one of the 3 following cars, an '07 Scion tC an '03 Nissan Altima or an '02 Honda Civic LX

Is it normal for Car Insurance rates vary so much.?

I'm thinking of buying my buddy's 92 corolla wagon and have been looking around for insurance prices. Progressive is the cheapest so far at $124 a month for liability. All other companies have been double. Geico is the most expensive at $278 per month. I'm a 20 year old male with a clean driving record. I just got my license and i've had my permit for a couple years and never got any tickets or anything. i have also taken drivers Ed. I qualify for the good student discount. Anyways my question is, is it normal for it to vary so dramatically. All these prices were for just the minimum state required insurance. Also does anyone know of a cheap alternative. I even tried the general and they wanted $248 per month.

Will a sex change from male to female result in lower car insurance?

Females have lower car insurance then males. So if a male gets a sex change does the car insurance company change their sex in their records and lower their car insurance?

Car Insurance... help?

hey.. I have zen 2004 model, i pay insurance premium of 12k at bajaj allaince I want to lower the premium, can it be done to the same policy or should i take a diff policy, at maruthi service center they told they can get me insurance at National Insurance for a premium of 5k .... does the premium amount have any effect on claims ...plz explain one more thing if i make a claim in an insurance company and the after some time if i ask for cancellation of my policy .... will they charge anything .... is it better to abandon my old policy and switch to new company or ask for formal cancellation

What model Acura Integra is the best for customization and performance?

What model Acura Integra is the best for customization and performance And based on your answer what would insurance be (16 yrs old) and how much is the car itself.

When you buy a car, what payments do you to pay and how much would insurance be for a 17 yr old?

Are Honda's usually expensive on insurance?

Also what are some good looking cars that arn't to bad with insurance (I know that it all depends but still) oh and we have geico, thanks!

Commercial business insurance and homeowners insurance?

I am closing soon on a small commercial property. It is a smaller restaurant/bar and has an apartment in back where I will be living. I'm a little confused regarding insurance. Do I get commercial business insurance for the building, and then separate homeowners insurance for the small apartment in back? Though I feel that would be strange as it's one large building essentially. Just curious what others have done, it's too late to call now, yet I will in the morning.

Car insurance cancellation?

I took out an insurance two days ago with a company called (i-kube car insurance). I've been told that I won't be able to drive between the hours of 11pm -5am and if i drive, i will have to pay 45 fine ( a GPS will be installed in my car). I've realised that the insurance is not cheap even though i used my pass plus to get discount. Tesco and Elephant car insurance are even cheaper. They took out my deposit immediately eventhough my insurance will not start till 2nd wk in February. Is it too late to cancel? I haven't received any paper document yet and their website lacks information about cancellation. What shall I do? Should i go with a different company? Would they tell me to pay cancellation fee? They've planned to fix the GPS to my car tomorrow but i haven't agreed to the time yet.

What is the likely penalty for a new driver caught without insurance?

i know you get 6-8 points but what im really interested in knowing is what happens with the license ie if it is revoked, how long on average is the ban before you can sit the test again?

Is it true that the affordable care act will double the cost of my health insurance to meet the ACA requiremen?

Double premiums and out of pocket cost my health insurance is not from healthcare.gov exchanges

Cancelling car insurance?

I am a New York state resident, In order to cancel my car insurance, must I first surrender my license plates to the DMV ??

What is an insurance quote?

people say low insurance quote .... what is it. how does it work and how does the whole car insurance thing work what if i buy a $5000 car ... how much would i be spending every month including tax, insurance> EXCLUDE GAS

How to make insurance cheeper?

what are the things i can do to make my car insurance cheaper? i have good grades my car is 97 color gold

No name cheap auto insurance for new driver? Please?..?

My friend is 19 and she got her license less than a year ago. She has a car and is paying $200 per month on it and she needs insurance or she'll lose her car. However, every company out there wants her to pay between 400 and 600 dollars a month. Is there any cheap no name insurance that she can get? Anything less than 400 would be great..preferably between 200 and 300..but she'll take what she can get. Oh and she has gotten a ticket for speeding and she can't get on her moms insurance. She needs basic full coverage. Please help..