Atlanta Car Insurance Quote |

beat up 1995 toyota camry! I got it for 600 bucks and Progressive want $250 a month for insurance! Crazy! I plan to get a 5 speed in the future. So I want to get prepared for a jump in prices! Also, I live with my Fiance, so I am states away from my parents to be under their name! So my name will be the only name on the insurance. Any ideas? I know there is defensive driving online courses, but what others are there that I can get my insurance to go way down? I am also graduated from highschool, and going to college in Fall of 2010!

Thank you!

Do driver’s Education. You don’t happen to have comprehensive on that car have you… and how high is the deductible.. hope it ain’t zero (!?)

A little over a year ago I was cited for DUI. I got a lawyer, paid my fees, served suspensions, did community service and eventually reinstated my license. I also learned my lesson I figured my insurance provider would see the infraction and adjust my policy accordingly. Pretty much, when my insurance provider sent me a bill, I just paid it…never looking at the descriptions of coverage. I hadn’t heard of SR22 Insurance until last week when I was getting renters insurance , as I just moved to a new state. I told the agent I would talk to my auto insurance provider and see if it was something I needed. Get this, not even an hour later I was in an accident (no one hurt) due to weather conditions and hadn’t had the chance to call auto insurance agent. No one received a ticket, but I was deemed at fault because I failed to maintain control of my vehicle. My question is… What should I expect from my insurance company? Right now they’re saying I just have to pay my deductible.

it sounds like you have 2 things going on right now.
#1 you need an sr22 filing endorsed onto your current insurance policy
#2 you are concerned that the accident will be covered

#1 if you need an sr22 filing on your policy you would need to contact your agent or find a company that can issue an sr22 filing to the state on your behalf.

#2 if you are currently insured and have liability coverage and coverage for your vehicle inforce with your insurance company, the vehicle is listed on the policy and you as a driver are listed on the policy than you should be ok

Is $17,100.00 a good price for a 2009 Pontiac Solstice? Should I take the leap…after my down payment it will be $250.00 a month for 48 months. It will be my primary car.

It has the following

Mileage 420
Body Style Convertible
Exterior Color Blue
Interior Color Tan
Engine 4 Cylinder Gasoline
Transmission 5 Speed Automatic
Drive Type 2 wheel drive – rear
Fuel Type Gasoline
Doors Two Door
Stock No. 10388A
VIN 1G2MN35B99Y100826
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Vehicle Description
Installed Options
Anti Theft Device
OnStar Communications System
Power Driver Seat
Vanity Mirror(s)
Tire Pressure Monitor
Vehicle Stability Assist System
Daytime Running Lights
Driver Air Bag
Anti-Lock Brakes
Air Conditioning
Alloy Wheels
Adjustable Headrests
Front Bucket Seat(s)
Remote Stereo Controls
Bucket Seats
Cruise Control
CD Player
Console
Passenger Air Bag
Rear Window Defroster
Temperature Gauge
Radial Tires
Trip Odometer
Tachometer
Interval Wipers
Rear Defroster
Reclining Seat(s)
Auto Headlight Delay
Center Console
Dual Air Bags
Reading Lights
Power Outlet(s)
Beverage Holder (s)
Intermittent Wipers
Leather Seats
Power Door Locks
Power Mirrors
Power Windows
Power Steering
Remote Trunk Release
Traction Control System
Tinted Glass
Tilt Wheel

Seller’s Description and Comments
Airbag Deactivation,Emergency Trunk Release,Temperature Gauge,Air Conditioning,Vanity Mirrors,Vehicle Stability Assist,Tire Pressure Monitor,OnStar Communication System,Sport Suspension,Power Steering,Power Door Locks,Power Windows,Radial Tires,Trip Odometer,Tachometer,Tilt Steering Wheel,Cruise Control,Interval Wipers,Rear Defroster,Console,Front Bucket Seats,Reclining Seats,Leather Upholstery,CD Player,Adjustable Head Rests,Bucket Seats,Power Mirrors,Traction Control System,Auto Headlight Delay,Daytime Running Lights,Anti-Theft Device(s),Convertible Top,Remote Trunk Release,Power Drivers Seat,Center Console,Remote Stereo Controls,Analog Instruments,Color Coded Mirrors,Rear Window Defroster,Reading Light(s),Power Outlet(s),Alloy Wheels,Dual Air Bags,Driver Side Air Bag,Intermittent Wipers,Anti-Lock Braking System (ABS),Passenger Side Air Bag,Tinted or Privacy Glass,Beverage Holder (s)

i say yes bbbbbuuuuttttt try to get the turbo

You search around a lot.

My self and a friend have started our own cleaning service and we would like to clean commercialized buisness’s such as starbucks,enterprise renta car exc…and apartment complex’s.Anyhow we have everything we need to start liscense,insurance exc…but we have no idea how to price it and put in a bid to the companies.Some people say charge by the square footage but how like how much a square foot? And how should we present our buisness to companies.Any advice and or idea’s would be helpful.We’re in Atlanta Ga.

When my friend and I started cleaning together, we called all the other cleaning companies out there to see what they charged. Ask as many questions as they are willing to answer and go from there. Best of luck!

It depends on the insurance company. I could get you the discount, but I’m not here to solicit business and will remain anonymous.

My sister was ordered by the DMV to have SR22 Insurance for 3 years. She had a driving without insurance ticket and driving on a suspended license – not DUI or DWI.

Is there anyway to have the time requirement reduced? Who would have the ability to reduce it – a Judge?

I’ve tried Googling an answer, but it only comes up with SR22 insurance information and not how to get it removed or reduced… I guess talking to a lawyer would be a good idea too.

Anyone ever heard of it being removed before and how?

Thanks!

The DMV ordered it as the direct result of being suspended for not having insurance and driving on a suspended license. It will go away in 3 years. There is no way to modify it since she drove without insurance and a license.

Is $17,100.00 a good price for a 2009 Pontiac Solstice? Should I take the leap…after my down payment it will be $250.00 a month for 48 months. It will be my primary car.

It has the following

Mileage 420
Body Style Convertible
Exterior Color Blue
Interior Color Tan
Engine 4 Cylinder Gasoline
Transmission 5 Speed Automatic
Drive Type 2 wheel drive – rear
Fuel Type Gasoline
Doors Two Door
Stock No. 10388A
VIN 1G2MN35B99Y100826
Top Get pre-qualified
for low rates today!
Get a Free CARFAX Record Check for this Pontiac.
Get a free insurance quote for this Pontiac
Get FREE 3-Month Trial of XM Radio

Vehicle Description
Installed Options
Anti Theft Device
OnStar Communications System
Power Driver Seat
Vanity Mirror(s)
Tire Pressure Monitor
Vehicle Stability Assist System
Daytime Running Lights
Driver Air Bag
Anti-Lock Brakes
Air Conditioning
Alloy Wheels
Adjustable Headrests
Front Bucket Seat(s)
Remote Stereo Controls
Bucket Seats
Cruise Control
CD Player
Console
Passenger Air Bag
Rear Window Defroster
Temperature Gauge
Radial Tires
Trip Odometer
Tachometer
Interval Wipers
Rear Defroster
Reclining Seat(s)
Auto Headlight Delay
Center Console
Dual Air Bags
Reading Lights
Power Outlet(s)
Beverage Holder (s)
Intermittent Wipers
Leather Seats
Power Door Locks
Power Mirrors
Power Windows
Power Steering
Remote Trunk Release
Traction Control System
Tinted Glass
Tilt Wheel

Seller’s Description and Comments
Airbag Deactivation,Emergency Trunk Release,Temperature Gauge,Air Conditioning,Vanity Mirrors,Vehicle Stability Assist,Tire Pressure Monitor,OnStar Communication System,Sport Suspension,Power Steering,Power Door Locks,Power Windows,Radial Tires,Trip Odometer,Tachometer,Tilt Steering Wheel,Cruise Control,Interval Wipers,Rear Defroster,Console,Front Bucket Seats,Reclining Seats,Leather Upholstery,CD Player,Adjustable Head Rests,Bucket Seats,Power Mirrors,Traction Control System,Auto Headlight Delay,Daytime Running Lights,Anti-Theft Device(s),Convertible Top,Remote Trunk Release,Power Drivers Seat,Center Console,Remote Stereo Controls,Analog Instruments,Color Coded Mirrors,Rear Window Defroster,Reading Light(s),Power Outlet(s),Alloy Wheels,Dual Air Bags,Driver Side Air Bag,Intermittent Wipers,Anti-Lock Braking System (ABS),Passenger Side Air Bag,Tinted or Privacy Glass,Beverage Holder (s)

So, you basically just listed all the factory options. That was pretty pointless.

That said, here’s what’s important.

Cars, right now, are depreciating at between 10-15% per year. So, let’s figure an average of 13%.

So, judging from a decent interest rate, etc, I’m going to guess you’re putting a down payment of around 5,000-6000.

Here’s the fun part.

Within two years, you will have spent your downpayment, plus another $6,000. So, a grand total of around $11,000 on the car. And you will still owe another $5000.

However. At that point, the vehicle is only worth around 10,000. So, if you decide you don’t want it anymore, you can sell it for 10, but 5 of that must pay off the remainder of the loan.

Long story short, your 17k car is going to cost you around 22,000 by the time you’re done. And if you sell it within the next two years, you’ll only actually get 5k out of it.

$22000 invested, for a $5000 return.

Does that sound smart to you? Most intelligent people would say no.

I have no plans to change my licence to MA

i believe you can’t get insurance in a state you don’t live in

Financial planning is not limited to asset allocation, mutual funds, and fixed-income investments – planning should include every aspect of your life.

Should you apply for that credit card? What type of car insurance should you buy? Should we save for our child’s college or put money in our IRA’s instead? These and many more questions are all part of financial planning.

The Larry Rule – A Little Known Financial Planning Fact

Larry Lindsey is not a famous name, even in financial circles. Currently, Mr. Lindsey is the chief economic advisor to the Bush Administration. In 1996, he was a Federal Reserve Board Governor – and he was denied for a Toys ‘R Us credit card!

To apply or not to apply, that is the planning question. Larry Lindsey, who had excellent credit and a high-income level, set out to demonstrate a flaw in credit scoring algorithms.

He simply applied for every retail store credit card he was offered, and in no time he had “too many inquiries.” Never mind the fact that he had millions in assets and nary a late payment in his 30-year credit history.

Knowing the Larry Rule is key to your financial planning. If you apply for retail store credit cards every time you are asked to do so, it will have negative effects on your credit.

You may then be asked to pay a higher interest rate on your mortgage or home equity loan, which could cost you tens of thousands of dollars. Sacrificing $10,000 for a 10 percent discount at Fashion Bug is not smart planning!

Auto Insurance and Financial Planning

Most people think of insurance as a legal necessity, but in reality, it is a financial product, and that’s important to keep in mind. Don’t ever buy insurance just because it’s legally required or in order to give yourself peace of mind. Insurance must serve a financial planning purpose!

You need to have a planning strategy in mind when you purchase auto insurance. The insurance company’s goal is to get you to pay more in premiums than you take out in claims – thus, they profit.

Your goal should to pay as little in premiums as possible in order to be adequately covered. You don’t want to have to use your auto insurance, but at the same time, you don’t want to be subsidizing the bad drivers who take out more in claims than they pay in.

In order to develop a financial planning strategy for auto insurance, it’s important that you become as educated as possible on the subject. Luckily, there are dozens of great sites on the internet that provide free information on the various types of auto insurance plans, and the particular laws of your state.

Everyone has to own some form of auto insurance, and thus it should be the cornerstone of any intelligent planning strategy.

The Financial Planning Dilemma – College vs. Retirement

American parents love their children and will do almost anything to ensure they have every possible advantage. As a result, many parents save for their children’s college instead of saving for their own retirement. This act of selflessness is usually not a good planning strategy.

In order to avoid this mistake, one must have a decent understanding of financial planning tax implications. Most college savings accounts are taxed on some level, whereas financial planning products for retirement purposes generally are not. What’s more, saving for your child’s college can prevent him or her from receiving the maximum financial aid available.

In other words, by foregoing your retirement in favor of your child’s college, you are actually subsidizing the children of less responsible parents – or smarter parents who chose to save for their own retirement, in light of these facts.

College savings plans normally make financial planning sense only for parents with such high incomes that their children would not qualify for financial aid.

William Smith
http://www.articlesbase.com/finance-articles/financial-planning-the-key-to-your-lifelong-success-80289.html