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Cheap car insurance? Not in Louisiana!

Recently, the political parties were arguing over whether you should be allowed to buy your health insurance across state lines. As part of the healthcare debate, the GOP was strongly in favor of dismantling the current state monopoly. For once, and some would say for good reason, the Democrats were the party of "No", and insurance companies are still to be regulated by Departments of Insurance in individual states. Obviously, this does not prevent you from moving between states so here, at last, is a national survey telling you where to pitch your tent to get the cheapest premium rates for insuring your vehicle.

With the arrival of internet search engines, it is easy to collect and compare data state-by-state. For these purposes, the research team agreed a standard set of answers to the questionnaires used by the search engines. The sample covered ten zip codes for each state and assumed a single male driver with a short distance to commute to work. He accepted a $500 deductible on comprehensive and collision coverage, and limits of $100,000 for injury to one individual, $300,000 for all injuries arising out of a single traffic accident, and $50,000 for property damage. Prudently, our hypothetical male also asked for uninsured coverage. This approach distinguishes the survey from that undertaken by the National Association of Insurance Commissioners (NAIC). The NAIC monitors the actual premium rates and takes an average from the gross revenue figures submitted by the insurers in each state. This survery's sole intention was to find the cheapest average insurance available for one class of driver.

The most expensive state by a country mile was Louisiana with an average premium of $2,510. The cheapest was Maine with an average of $902. It may be appropriate to treat Louisiana as a "special case". Ignoring Hurricane Katrina which has no obvious effect on vehicle premium rates, there is a unique court system which encourages settlements of claims just under $50,000. Because judges are elected, they prefer to be generous to keep the voters happy. For some unexplained reason, this makes litigation a popular hobby and the number of claim rates is higher in this state than in any other state. By contrast, Maine has only a small number of drivers in a rural state. This makes for significantly fewer accidents. Add in the fact that there are more than 30 insurance companies competing for the business and you get the lowest rates.

Obviously, it is difficult to justify the expense of moving to another state just to find cheap car insurance but, with 18 states offering our male driver insurance at less than $1,300, the savings will mount up over time. The moral of all this story seems to be that premium rates are low in states which have two features. Firstly, their populations are relatively small. Secondly, there is a reasonable level of competition between the insurers licensed to sell policies. If we ignore the unusual legal issues in Louisiana and Michigan which has a particularly generous personal injury system, the highest rates tend to be in the more urbanized states where car ownership and the risk of an accident are high, and there are only a few insurance companies. If you cannot move, get as many car insurance quotes as possible to find the best deal.

Health insurance quotes from multiple insurers gives the most choice

The year long fight over whether to pass a bill reforming the healthcare industry has just come to an end. President Obama has signed it into law. Now all we have to do is sit back and wait to see whether it will deliver a better and fairer service to more of the population. At this point, a little honesty is in order. The US healthcare service has been broken for some time and anything that improves it is to be welcomed. The GOP do, however, have legitimate concerns about cost. We are just starting to recover from a deep recession. Unemployment is still at a record high. Public debt is mounting as big government tries to keep the banks afloat and encourage business to start hiring again. So, if this reform pushes up debt, the cost may come to outweigh the benefits. The various supposedly independent government agencies claim the reforms will actually reduce public debt. Unfortunately, guessing what will happen in the future never produces reliable results. All we can do is wait and see.

One of the key selling points for reform has been the number of people without insurance. The Democrats have been standing up for social justice - the idea that the state should provide health care for the maximum number of people. Various numbers have been thrown around. There are apparently some 45 million uninsured adults. About 31 or 32 million of these people may now get some kind of coverage. Where do all these numbers come from and how reliable are they? We start of with the census. That is supposed to tell us how many people there are in the US so the government can make sensible plans to provide all the services and amenities they need. Unfortunately, the census data is now old and not completely reliable. Not everyone wants to be counted or, if cornered, not everyone tells the truth. But it does give us a starting point. We exclude children and seniors already in Medicare. This is the number of adults who could have health plans. The insurance companies report the number of policy holders and of those enrolled in employers' plans. A subtraction sum gives us an estimate of the uninsured. So who will be entitled to coverage? Well, big government is expecting some 24 million people to buy coverage through the new insurance exchanges. A further 16 million are expected to join Medicaid. More children whose parents do not qualify for aid will join CHIP. Except no one actually knows for certain who these people are. The only clear cut assurance that has been given is to ensure illegal adult immigrants will not be allowed into the health market.

Put simply, none of the numbers you see in the news media can really be explained or justified. Everyone who wants access to affordable health insurance coverage will just have to stand up and agree to be counted. If they meet the criteria on income and do not have insurance provided by their employer, they are potentially eligible for assistance. If the healthcare costs can be controlled, more people will no doubt be brought into cheap health insurance plans. It will still be short of universal coverage but, in a capitalist country, we do not want anything so socialist. There must always be losers so the rest of us count as winners.

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Car insurance is mandated – is that unconstitutional?

It seems some things follow like night and day. So, within minutes of President Obama signing the healthcare reform bill into law, a small gang of state attorneys general filed suit to have the law declared unconstitutional. Their complaint? In short, they argue Congress has no power to make people buy some "thing" from a private company. As a strictly libertarian approach, they say it infringes the liberty of the individual. Of course, all the liberal law professors immediately burst out laughing in their blogs. This was the worst kind of political grandstanding in an election year. These attorneys general were using taxpayers money to make a political and not a legally sustainable point. Now, we could all wait for the judges to rule, but where is the fun in that. So here is this website's own opinion.

The standard comparison is between health and auto insurance. In all but three states, there is a mandate for vehicle owners to carry a minimum amount of coverage. The argument in general terms goes that if it is not unconstitutional to force people to buy auto insurance, it cannot be unconstitutional to force people to buy health insurance. Except the comparison does not really stand up to analysis. Human biology being what it is, you cannot avoid breathing and the heart beating. But you do have a choice about whether to buy or drive someone else's vehicle on the road. So auto insurance is mandated on the basis of your own economic activity. Health insurance would be a mandate based on your inactivity. Secondly, the insurance you buy if you do decide to drive is liability coverage, i.e. it is for the benefit of other drivers, their passengers, pedestrians and property owners. So the constitution is not offended if you make a free decision to drive and are mandated to protect third parties by buying insurance. But the constitution may be offended if you are required to insure your own health. There is a further distinction because the auto insurance mandates are all state-based. There is no federal mandate for auto insurance.

A better comparison might be the early Militia Acts requiring ordinary citizens to buy their own guns and ammunition so they could band together into an effective fighting force. This was an unconditional mandate. It was based on the national government's need to maintain an armed force in a state of readiness, even though individual citizens might live hundreds of miles from any possible threat and might never actually have a need to fight. Yet this mandate as to gun ownership fits into the Libertarian view of the world, while aiming for a more universal form of health care is communism and therefore unpatriotic. There are, of course, more technical arguments based on the individual provisions in the Constitution but they only get boring. So we will leave you with the thought that, sadly, you have no right to challenge your state' car insurance mandate on the ground it is unconstitutional. The only way of finding cheap car insurance is to use sites like this to get quotes from the maximum number of insurance companies. Hopefully, the wider you cast the net, the greater the chance of finding a policy giving you the terms you need at a premium rate you can afford.

Car insurance for retro vehicles

Having a retro car in your garage is definitely a serious investment of both time and money, but it's not something strange and unique, as there are many lucky people who have managed to restore antique cars and bring them back on the road. And it's evident that having such a unique item as your property you want to make sure that it's perfectly safe through insurance coverage. However, some insurance companies have very restrictive policies regarding antique cars and it's recommended that you pay very close attention to the policy you are about to sign before insuring your retro car. Because the difference can be huge.

When looking for a policy to insure your retro car with, the first thing you should think of is the reputation of the company you'll get your policy from. When dealing with retro cars you want to work with the most reliable and reputable company, more than in the case of a series contemporary car. The way the insurance provider deals with your possible claims and is willing to work out things with you matters a lot when insuring an antique car. So first of all, spend some time online or with your insurance agent to learn which companies are the best to insure your retro car. Financial stability and long history of work are always welcome, but you also would want to learn how they process claims and what provisions they have for antique vehicles.

Certain companies have very strict rules regarding the type and age of the antique car they will accept to insure. A large part if insurance providers will only register your retro car if it carries a certain percentage of the original factory parts and details. Most of the retro cars you seen on the road these days carry a lot of parts and features that have been replaced recently with the use of newer materials. And not all companies will accept such cars as antique. Still, there are providers that perfectly understand the process of restoration and will have less strict provisions regarding the original features when providing you with auto insurance.

One of the most common requirements that all car insurance companies will have towards your antique vehicle is that it should be kept in a sealed garage when you're not driving it. Moreover, with some companies you will have a strict limit on yearly mileage with your antique car, restricting its use to pleasure use only. There may be other restrictions as well, so with most insurance companies it will be nearly impossible to use your antique car as an everyday vehicle to get to work with.

Certain insurance providers will also ask you to evaluate your car by addressing a professional appraiser and provide a photo of it when applying for a policy. You may also meet an age restriction, as some companies will provide you with insurance only if you are older than 25 and have a clean driving record.

As you may see, insuring your retro car can be a little tough with all the restrictions and requirements. Moreover, in most cases it will be quite hard to find cheap car insurance for your antique car. So think twice before insuring it, and make sure you understand all the restrictions and costs involved.

Homeowners insurance policy buying tips

Insurance policy for the house is often a single important investment most people make after actually buying a home of their own. An insurance policy is used for protecting the house, its contents and visitors from different circumstances that otherwise can be quite hard on your wallet. When you first start looking for a policy to insure your house with the number of options and providers can be overwhelming, making it hard to find exactly what you need. There are a lot of types of policies, different coverage options and amounts, special provisions and other elements that you may include in your policy. So it's evident that learning more about home insurance is crucial before you start looking for an actual policy for your house.

Consider your options

When looking for a policy to insure your home with, always keep in mind the following tips as they will be very helpful for finding the right offer for a reasonable price:

• Take some time for comparison shopping - look for insurance quotes online, ask your agent or friends, who have purchased home insurance for their house. The more information you get from different sources - the better. Remember to get as much insurance quotes as possible before actually buying a policy. The difference between two companies can be impressive.
• Try purchasing home and other types of insurance from the same provider - this usually lets you get about 15% discount for each type of insurance you get.
• Increase the amount of your deductible - a higher deductible means that your premiums will be lower. However, always make sure that you can afford paying the amount of deductible you have chosen when needed.
• Make your house more durable - anything you do to improve the durability of your house that will help it resist a disaster will be a welcome action from the part of your homeowners insurance provider. Ask the company what you can do to improve your house and receive discounts.
• Make your house more secured - any improvement you make to your house that increases its security can give you a discount from the insurance provider. The best options are installing video systems, alarms, special locks, anti fire and smoker alarms. However, ask your provider about these improvements first because each company has its own requirements regarding security features of their customers.
• Always try to keep a good credit score - the price you pay for homeowners insurance is directly linked to your credit score. If you have a good score your rates will be much lower than if you have bad credit rating. Review your credit record, make everything possible to improve it and maintain a good score. This will lower your other insurance like auto and health insurance too.
• Try staying with the same provider - if the company you get homeowners insurance from has good rates and fair conditions, staying with the same provider for several years can qualify you for a special long-term customer discount, most insurance providers have. Ask your insurance company about that and see if you qualify.
• Review your policy on a regular basis - always make sure that your policy is adequate to your exact insurance needs. And if needed, modify it so that your house would be properly insured.