List Of Car Insurance Companies Phone Numbers

Frequently Asked Questions

  1. QUESTION:
    what happens after you buy car insurance online?
    Just curious as I'm planning on buying a years insurance for the first time in my life (I'm 17) from the post office website. Either that or could I pay at my local post office branch?

    I'm so close to getting my own car and then insuring it seems so simple that every time I think of it I start to physically shake!!!

    Thanks!

    • ANSWER:
      It is not always a good idea to buy car insurance online, if you have found a rate competitive with local rates good. Normally I call local agents out of the yellow pages, and find out the minimum limits for my state, and then call a dozen or so agents and get quotes, making notes of prices and phone numbers, then going back later to figure out which one works best. Generally, if this is your first policy, your rates will be much higher as you are an assigned risk. I suggest in the beginning, try to find a six month policy.
      When you get a renewal notice, this is like gold, you can call any other insurance company and get a quote. Also your rate should go down at six months, instead of a year.
      Online websites sometime are con games, they get all your information, email address, home address, phone number, then quote some excessively high price which gets turned down. Now they have all your info, and can make a mailing list from all who provide information, and sell the lists to anyone who wants to buy a new mailing list.

  2. QUESTION:
    how can i get the ph # of the insurance company when i only have a policy number of the driver at fault?
    the police report list 'us auto insurance' as the insurance company of the driver at fault.there is also a policy number listed 'ypil000009220'.ther is no such company ,as i tried calling 411 or did a goole research and come up with nothing.i called the driver at fault and he refuses to give me the information.does anybody know how else i can get the phone number of the insurance company? i tried to get it at the time of the accident but the cop won't let me get out of the car.

    • ANSWER:
      Talk to a rep at the claims department......sorta sweet talk her because all policy numbers are identifiable by the company....

      She has been doing this for years hopefully...she will be able to to tell you the company possibly the 800 number

  3. QUESTION:
    How do I leave home to a new state and what are way I can do?
    Can someone tell me what are the process of moving out of state because I am planning on moving out of Connecticut to South Florida. Do you have to register or whatever as I assume in order to be a citizen by; change a new doctor, new license, ID, phone number ect ect ect. Can someone give me info about those things please. It would be nice. Thanks

    • ANSWER:
      You do not have to "register". If you are an American citizen, you will still be an American citizen in Florida. After a year of living in Florida, you will be considered a Florida resident...in case you want to go to college there , then you do not have to pay out-of -state tuition. Before moving you need to : Write down the name of your doctor and dentist and their addresses and ph. numbers. When you get a new doc and dentist in Fl give them this info and they will send for your records. When you find a house or apt. there, you will need to call the utility company and phone company to get hooked up...real estate agent or apt. manger can give you the name and number of the right place to call. If you are going to make a trip down there to find a house or apt. before you move, then you will have your new address. Go to the post office and fill out a change of adress form. Call your credit card companies and give them your new address, and give it to friends and family. If you are going to stay in a temporary place in Florida til you find a permenant place , arrange for a friend or family member to recieve your mail ( use their address on your change of address card) until you do get a permanet address in Florida. Close your bank account where you are, or if they have branches where you are moving, ask them how to transfer your account there. You will need to go the the DMV office in your town in Florida and apply for a Fl. drivers license...see 1st site below. you will need to tell your current employer and any other employers you had this past year what address to mail your W -2 forms to so you will have them when it is time to do yout taxes. you will ned to pay state taxes in Conn. for the portion of the year that you lived and worked. there. You will have to ask a friend or family member pick up a state tax packet for you in Jan. and send it to you to fill out...you may get a refund. make a list of everyone you need to call and tell that you are moving...and give them your new address as soon as possible. you will need to have your phone and utilities disconnected where you currently live...and give them an address to mail your final bill to.. a friend or family member who can tell you how much they are and you can send a check to pay them. ..or sometimes the util . company can give you the bill the day before you leave and you can pay it then. When you get your Fl. drivers license, you will also need to register your car in Fl and get Fl. tags. Make a list of all these things and any others you think of. you will need to buy new car ins. in Fl. within a month...and call your ins. company in Conn. to tell them you have moved and have new ins...or call and ask if they can sitch your coverage to Fl. then they can make the adustment on your ins. bill. if your ins. is with a major company, just call them and give them your new address and they wil lswitch you to a policy that will cover you in Florida. Sooo. car issues, insurance, license, registration...then phone and utilities...other creditors like cr. cards, and any other monthly bills you get..doctor and dentist, employer, bank account tax issues. Then, post office change of address card, notify friends and family too. If you have cable or sattelite TV, need to cancel that and pay the final bill...also internet service. Get a small notebook...put all issues in it and mark them off as they are done.

  4. QUESTION:
    What do i do if someone hits my car in a parking lot?
    Today as I got off of work, somebody backed up to far and hit my car. I went outside to talk to the people who hit it but I had no idea what to do or ask for. Can someone tell me the first steps I should take?What information do i need to exchange?etc...

    • ANSWER:
      "After car accidents, check that everyone involved is OK. Call 911 immediately if anyone needs assistance. You will probably also have to call the police; it helps to have a police report filed in any accident.

      Most insurance policies state that the police must be contacted in a given time frame if a hit-and-run occurs. Try to find a safe place away from traffic to wait for emergency services to arrive.

      Most people will have their adrenaline pumping after car accidents and it may be difficult to keep a level head. Simply trying to stay calm can be difficult, particularly if others around you are excitable, too.

      No matter how emotional you are, try to avoid admitting guilt even if you feel the accident is your fault. That can make things a lot less complicated further along the line.

      After you've called the police or 911, you should call your insurance agent after car accidents. They can advise you on exchanging insurance details or surveying the scene. It's great if they come to the scene of car accidents as part of your policy.

      If not, the proper steps to take in the event of a car accident are usually detailed on the back of your insurance documents, which should reside in your glove box. "Look at the back of the ID card, typically that provides a list of about eight or 10 items," said Steve Frisina, vice president of product management at The General insurance company. "I wouldn't stray very far from that [advice]."

      He adds, "When it comes to the motorist, the important thing is to be prepared to share and attain the necessary information with respect to a claim. There should be not admission of fault on either side but just an exchange of details -- it's the adjuster's job to get the information from the individuals.

      "It's important that the individuals contact the police, exchange insurance information and provide that to the authorities as requested. Once that's taken care of the process seems to progress quickly and easily."

      Record the Scene

      Many insurers recommend carrying a disposable camera in your glove box to record the scene of car accidents. A camera can prove more effective than attempting to draw the scene of the car accident on a piece of paper. Always make sure you are standing in a safe place and take pictures of the situation, damage to and the road position of the vehicle or vehicles.

      It's easy to forget critical details after car accidents, so take notes of any circumstance you think are unusual or particularly relevant to the claim while at the scene. It can also help to photograph the other driver's details while you're exchanging names, addresses, phone numbers, license plate and driver's license details.

      Take down the vehicle's VIN number, which is located on the engine or door jam. It may also help to record the names, addresses and license plate numbers of any witnesses. Also note any weather conditions such as rain that could have contributed to the accident.

      The Process

      Make sure you stay within any time limits for filing your claim. This will entail reading your policy, which you should have done by now anyway. It'll probably remind you that, in accidents involving damage above 0, you will have to file an accident report known as a SR1 form with your local authorities, which is available online at your state DMV Web site. The small print on your car insurance policy will tell you what you can claim and what you are liable for, as well as your deductible.

      After the car insurance companies have done their part, make sure that you're happy with any repair work paid for by an insurer under the terms of your collision insurance. If you're judged not to have been at fault in the accident, the other driver's car insurance company should pay for repairs, and vice-versa.

      Also make sure that your car insurance company has not low-balled you on repair work carried out and you have not suffered any loss on the work. If you're feeling achy, go to a doctor and get a checkup, which may also help you if you decide to file a personal injury suit.

      It may be wise to ensure that you have "uninsured motorist" coverage in the event that you get in an accident with someone without insurance. In this case, you may also sue the driver to recover any losses.

      If the car accident is your fault, Mercury Insurance advises to expect an increase of about 20 to 25 percent on your premiums, especially if you lose a good-driver discount. After several accidents, Mercury advises on its Web site that your insurer may refuse to renew your policy. "

  5. QUESTION:
    What is each candidate s view toward insurability options for children and adults with pre-existing condition?
    Insurability can be cost prohibitive or impossible to receive for children and adults stricken with cancer and other life altering diseases: since all of you would repeal Obama care, what would you do to adress these specific health Insurance issues among our populace?

    • ANSWER:
      Thank you for your question. I know your intentions are honorable and this is an honest concern. I'd like to give you my thoughts on this and hope that you try to understand that my intent is not to be cruel or mean, just pragmatic.

      First off, Insurance Companies are Businesses. Their purpose is to make a profit and not lose money.

      That being said, here is why they can NOT cover pre-existing conditions and what we need to do about it.

      Just an example, if Car Insurance companies had to cover pre-existing conditions, you could avoid paying for insurance, total your car, then walk in and plop 0 first month coverage and they would have to replace your car.

      Average Health Insurance is about k/year to keep numbers simple. How can a company stay in business if you come to them and have Cancer and are anticipating Costs near Million dollars if you are only going to be paying ,000/year?

      I whole-heartedly agree that an Insurance Company CANNOT drop you AFTER you discover you have Cancer, that is the purpose of Health Insurance, but you can't expect them to knowingly lose money..

      There is a mis-conception about what health insurance is for. It's not intended for day to day preventative and basic health care. It is supposed to be to cover you for the unexpected.

      We already have Medicaid for those folks that cannot afford the ,000/year premiums. They get free medical care at government/tax payer expense, so pre-existing conditions is not applicable.

      It is a choice to be insured or not insured if you can afford it. Why should anyone else be responsible for someone else's choice?

      Like I said, if you are poor enough to qualify for Medicaid/Medicare, then you are already covered. Everyone else chooses to pay for a Cell Phone with Data Package, HBO, Cable, Escalade, Smoking, Drinking, 60" LCD TV, 22" Alum Wheels....etc.

      See my point? If someone chooses to purchase those things listed above, rather than pay their Health Ins Premiums, why should those of us who Pay for the NEED of Insurance, have to lose out on our Wants to pay for someone else's wants?

      I really am not a harsh or mean person. I just hope that my view will make a little bit of sense.

      One last thing, Health Insurance Companies historically make about a 6% annual profit. It has been around 1-3% in the last 5 years. Comparatively speaking, that is a very low Profit Margin. Most Construction Companies make about 3%, many other businesses make 15% Profit Margins.

      They really are not the EVIL, Greedy Money Grubbers that the left would like you and I to believe.

      Thanks for the question and the opportunity to respond.

  6. QUESTION:
    What should you pack for a carribean cruise?
    My 14 year old daughter and I are going on a Western Caribbean Carnival Cruise in July. What should I pack and what should I suggest my daughter pack? I would like a checklist/list for both of us, please!

    • ANSWER:
      Please check out this list before starting you cruise :

      airline tickets or e-ticket confirmation
      cruise documents
      passports and visas (if necessary) or proof of citizenship (check with your cruise line for requirements)
      vaccination certificate (if required)
      wallet and fanny pack
      driver's license and auto insurance card - in case you decide to rent a car when ashore
      medical insurance cards and medical history (especially if traveling alone)
      another picture ID - if you don't take driver's license
      credit cards - be sure to call credit card companies before traveling to alert them you are traveling outside your normal area ATM card
      watch
      pre-paid phone card
      cash or traveler's checks (be sure to keep traveler's checks receipt in separate location)
      3 copies of airline tickets, cruise tickets, passports/visas, itinerary - pack 1 copy in carry on, 1 copy in checked luggage, and leave one copy with someone at home
      contact numbers to report lost/stolen credit cards or traveler's checks
      emergency numbers at home
      prescription drugs and any other essential medications in carry on bag
      glasses, contacts, contacts cleaner
      extra reading glasses
      sunglasses
      reading sunglasses
      guidebooks and other port of call information
      foreign language phrase book or dictionary
      maps
      reading material - books to read while on the plane or lounging by the pool
      journal or notebook and pen/pencil - for making notes to tell your friends back home about your experiences
      business cards with email address to give out to new cruise friends
      currency conversion chart
      plug adaptor and converter
      cell phone and charger
      PDA and charger
      home and email addresses of friends/relatives back home - for sending postcards, emails, or gifts
      laptop computer
      binoculars
      film camera and manual
      extra film (don't put undeveloped film in checked luggage)
      disposable underwater camera - for snorkeling or beach days
      digital camera and manual
      extra memory cards for digital camera
      batteries for digital camera
      battery charger
      extension cord with multiple plug-ins
      duct tape or strapping tape
      walkman and tapes (for walking on deck or on treadmill)
      small travel alarm clock - battery operated
      lighted dial clock for cruise ship cabin
      extra plastic cable-lock ties for securing luggage for return trip (better than locks, but one-time use only)
      extra luggage name tags (in case yours are lost on the outbound trip)
      zip loc bags of all sizes and garbage/laundry bags
      small flashlight
      night light
      corkscrew (be sure to put in checked luggage)
      Swiss Army knife or something similar with screwdriver head, etc. (be sure to put in checked luggage)
      small umbrella
      collapsible travel pillow for those long airplane flights
      ear plugs or "ear planes"
      small first aid kit (band aids, Q-tips, vaseline, dramamine, antibiotic cream, bandages, anti-diarrheal medication, cortisone
      cream, aspirin/tylenol/advil)
      Crazy glue
      playing cards
      sports gear (e.g. snorkeling gear)
      bug spray (not for your cabin on the ship, but for those pesky mosquitoes and "nonos" ashore)
      sun screen/sun block and lip sunblock
      germicidal hand cleaner
      hand lotion
      rubbing alcohol or foot lotion for soothing tired, hot feet
      hats/caps/visors
      insulated large coffee mugs
      empty folding tote bag - for souvenirs or the beach
      clothes pins
      sewing kit and scissors (pack in checked luggage)
      travel-sized Woolite
      handi-wipes

  7. QUESTION:
    What should you have in place before moving to a new city?
    I don't know where to begin. It's the first time that grad school may be relocating me to a new city. I'm sure that I'll be working at least part-time to help pay for school. I just need some clarity and some common sense advice.

    • ANSWER:
      I have moved to a couple states and it really sounds harder than it is. It really just takes a lot of organization and preparation. I would highly recommend contacting the chamber of commerce for the new city you will be moving to. Ask them to send you your FREE relocation packet and also a visitor s packet. The relocation packet will have all the information you need to move, such as important numbers, crime stats, cost of living stats ect.. It also usually gives descriptions of the different areas of the city. The visitor s packet is just helpful because it gives you all the things to do in the city, places to eat, shop ect.. I know you are going away for school but, I am sure you can find time for some fun! I do this for each new city I move to and wow it really is helpful. Both the packets also usually come with coupons which can help save you money on a tight budget.
      I would start looking for a job now; can you get one at school? I would at least search the local papers website, Monster and Yahoo jobs. Even if you do not want to apply right now it will at least give you a feel for the market and what is out there!
      It sounds like you have a place to live, if you don't this is a MUST before you go! Make sure you have a place to live, you might have to visit the city before you go and see what areas you like and what is available in the market. If you are needing an apartment remember sometimes they are not ready for 1 or 2 months so be prepared!
      If you have a car and are taking it the cheapest thing to do is get a UHAUL trailer and move what little stuff you need. If you have a ton of stuff you might want to rent a truck and tow the car. Start getting prices now! They run specials and you will want to get locked in on them if you find one. Be sure to ask question such as what additional cost there might be. They say only a day but they do charge for things like mileage. If you have a ton of stuff and cannot move it, then you are going to have to have the movers do it. This can be expensive so shop around! Make sure you check their backgrounds, complaints and insurance policies. I also recommend checking with the BBB! They are very helpful! Make sure you move anything of value that means jewelry, family keepsakes ect... Sometimes the moving companies well loose things. You will want to list everything on the outside of the box, number it and keep a list of what is in what box. If anything happens with the company you will have everything you need to get your stuff or compensation. When using movers you are going to want to pack as much as you can....they charge a ton extra for packing! Be sure to wrap everything real good, it is going for a long truck ride remember!
      Also I would make a moving folder or binder. I to this for every move, keep your to do list, moving company info, phone numbers ect...that way if you hit any snags you have everything you need with you!
      If you have to set up your utilities be sure to do this before you go, it can take a few days for the gas or electric guy to come out and you don't want to be in the dark!
      Good Luck you will be fine, again just be organized and prepare in advance! Hope this helps!

  8. QUESTION:
    I got hit by a Pick-up truck 2 weeks ago, can police find his license plate number etc?
    I got hit by pick-up truck few days ago, I remember the colour and some numbers in license plate. I let the driver go thinking that he will have to pay. But I later found out that insurance company pays , not him. He was also little bit drunk I guess. But I lost my Job dut to all that stress and getting late and also got some scratches. Can police help me find the driver and can I still claim something?

    • ANSWER:
      So let me get this straight. This guy hits you, is drunk and you say ok, you will pay my damages since you hit me. I am guessing he said, don't call the police, I have tickets etc and I will pay for your damages. I am guessing you gave him all of your info, but you did not think to ask for his name, phone, insurance etc. So all you have is the color and some numbers of his plate. (I bet he has never called you)

      The police will try and run this but the chance of them finding it are probably ZERO. Do you know the make of the truck? My guess is you don't.

      To run a plate, unless you have say 7 of 8 numbers, most likely will be fruitless. If they have the drivers name, they can search by that name for the owner, but say the owner is his wife or girlfriend, so they wont find this guy, since he is not the owner.

      Have you called your own insurance company and filed a claim? My guess is that you do not have collision coverage so they told you they cant fix your car damages, but have to go thu his insurance company. But my guess is that even if you can find the owner of the car, guess what he is most likely not insured, so back to square zero and your car will not get repaired.

      Unless by some chance you get lucky and they do in fact find him, you could file a small claim suit on this guy if he has no insurance, but if he owns nothing, you could get a judgment, but still have nothing to show for it, since you cant collect nothing from nothing.

      Sorry for all the bad news, but the prospect of finding this guy will most likely turn up with nothing.

      The next time and hopefully there will be no next time, you will call the police. Since on a police report, they list the vehicle, driver, owner, registration number and insurance info.

      good luck, you will need it.

  9. QUESTION:
    What are some essentials you need when going away to College?
    Examples: how many sets of sheets? Laundry basket? Towels? My son will be going away next year and I want to start buying things that he can take with him. I also want him to use them...not go wasted because they are not what an 18 yr. old would want.

    • ANSWER:
      Many schools also have lists of what they suggest kids bring and not bring. Once you know which school he will be attending, you can contact the houseing department and they should be able to give you a list.
      In the mean time, you can start pre-shopping to spread out the expenses. Most schools have extra long twin beds, standard twin sheets won't fit. If your local stores don't stock them, the national catalog vendors do--Lands End, Garnet Hill, etc.
      Two sets of sheets, a light blanket or comforter, a pillow or two should be enough for the bed. Towels are bulky and storage is at a premium, 4-5 bath towels, 6-8 wash cloths, and 2-3 hand towels will get him through the week. Some kids will use a plastic laundry basket, some will prefer a drawstring duffle bag for laundry, that's a question for your son. (The advantage of the basket is that it is easier to toss dirty clothes into one place, the disadvantage is that it takes a lot of floor space and both hands carrying it to the laundry. The advantage of the duffle is that it's a little more discreet and can be carried with one hand. The disadvantage is that it is harder to use to toss dirty clothes at the end of each day.)
      Many dorms now come equipped with a mini-fridge and microwave oven. Most do not allow other cooking in the room. Two each of the following will allow him to nuke simple meals and snacks: plastic plates, bowls, tumblers and mugs. (Anything more takes too much storage.)
      A water pitcher with a filter with a cleanable water bottle will allow him to take water to class without the expense of buying bottle water. Some of the cleanable bottles you can buy have clips for back packs or belts.
      Ask your son what he considers essential and you will get a more electronic answer: a computer, printer, and sound system,(plus power strips and surge protectors.) Some schools want incoming freshmen to have the same sort of computer, some want them to have laptops. You should wait until he is accepted to buy this equipment. (All the major computer suppliers will run sales in the fall for students.)
      Most schools don't allow freshmen to have a car. If he is going to to a school with a large campus, you might consider a bicycle with a good lock. (Do NOT get an expensive bike with all the bells and whistles, it will be more likely to be targeted by thieves.)
      Before he leaves, take photos of all the big ticket items he is taking and engrave them with some sort of identification--his initials and your home phone number. Your home town and the last few digits of his student ID number--something unique. Make a folder with all the receipts, model numbers, and warranty information so you will have it in one place. Check with your homeowner's insurance and see if his bike and computer will be covered with your policy. If not, you might consider adding a small insurance rider to cover them against theft, loss, etc.
      Once you see his dorm room, you will be able to see what sort of extra storage he will need. Over the door hangers, and slender stacking shelves/drawers are available from many national suppliers. He and his roommate can coordinate who needs what and share some of the cost. The last thing he is likely to need for comfort's sake is a rug for the room. You can get inexpensive carpet remnants and have the store bind the edges or check the catalogs for options.
      Once your son has been accepted, your mailbox should overflow with companies wanting to supply all these things. Good-luck to you both.

  10. QUESTION:
    Does yahoo finance handle the arrangements for buying and selling goods off of craigslist?
    I am purchasing an ATV off craigslist and the seller says she wants to use yahoo autos, or yahoo finance to handle the sale. She says they carry insurance protection and the money transfer. Is this a scam? I cannot find any referance to this on yahoo

    • ANSWER:
      1100% scam.

      There is no ATV for sale. There are stolen pictures of someone else's ATV.

      There is only a scammer trying to steal your hard-earned money. Yahoo Finance/Autos does NOT work like that scammer says, they do NOT carry insurance or hold money like that.

      The next email will be from another of the scammer's fake names and free email addresses pretending to be the "Yahoo Finance" or "Yahoo Autos" and will demand you pay for shipping fees, in cash, and only by Western Union or moneygram. Or the scammer will want you to "prove" you have the funds by sending cash to a friend and sending him the MTCN#. The scammer then uses the MTCN# to pick up your cash and disappear.

      Western Union and moneygram do not verify anything on the form the sender fills out, not the name, not the street address, not the country, not even the gender of the receiver, it all means absolutely nothing. The clerk will not bother to check ID and will simply hand off your cash to whomever walks in the door with the MTCN# and question/answer. Neither company will tell the sender who picked up the cash, at what store location or even in what country your money walked out the door. Neither company has any kind of refund policy, money sent is money gone forever

      Now that you have responded to a scammer, you are on his 'potential sucker' list, he will try again to separate you from your cash. He will send you more emails from his other free email addresses using another of his fake names with all kinds of stories of great jobs, lottery winnings, millions in the bank and desperate, lonely, sexy singles. He will sell your email address to all his scamming buddies who will also send you dozens of fake emails all with the exact same goal, you sending them your cash via Western Union or moneygram.

      You could post up the email address and the emails themselves that the scammer is using, it will help make your post more googlable for other suspicious potential victims to find when looking for information.

      Do you know how to check the header of a received email? If not, you could google for information. Being able to read the header to determine the geographic location an email originated from will help you weed out the most obvious scams and scammers. Then delete and block that scammer. Don't bother to tell him that you know he is a scammer, it isn't worth your effort. He has one job in life, convincing victims to send him their hard-earned cash.

      Whenever suspicious or just plain curious, google everything, website addresses, names used, companies mentioned, phone numbers given, all email addresses, even partial sentences from the emails as you might be unpleasantly surprised at what you find already posted online. You can also post/ask here and every scam-warner-anti-fraud-busting site you can find before taking a chance and losing money to a scammer.

      If you google "Craigslist car seller scam", "fake truck sale scam Western Union", "fake car shipping company scam" or something similar you will find hundreds of posts from victims and near-victims of this type of scam.

  11. QUESTION:
    What's the best way to start credit?
    I'm 20, I have no credit history. (P.S. I have a bank account) I've been thinking about getting store credit at Best Buy or another store. Purchasing something nice, and making payments from there. Would that be a good choice or is there any other small steps I can take?

    • ANSWER:
      1) Obtain and use a credit card wisely
      To start building good credit with your credit card, you will need to obtain the card, use it, and make the first payment before you will see any effect on your credit score. You may have to sign up for a secured card in the beginning, which means you will be required to deposit money (typically around 0) into an account controlled by the credit card company or bank in order to obtain the card. This deposit "secures" any debt you place on the card. It is a way for a creditor to take less risk when dealing with someone who has poor credit or no credit.

      A secured card is just as good as any other credit card when it comes to building credit, for as with any credit card, the payment history on your secure card will be reported to the credit reporting agencies. So by making on-time payments (on-time payments are the No. 1 factor in determining a credit score) and carrying a low debt load (your debt balance-to-credit limit ratio is also a big credit score component), you will be building the history and profile that produces good credit.

      Another way to build credit from scratch can include getting a low-limit retail store card or a gas card. Just be sure to pay the monthly balance in full so as to avoid the high monthly interest charges that many of these types of cards carry.

      2) Review & understand your credit report
      Review your credit report once a year. The higher your credit score, the better. A score below 680 usually results in a borrower being charged a higher interest rate or denied credit. If the report includes items that are inaccurate, request the report be corrected. You can receive a free copy of your credit report at AnnualCreditReport.com and the Federal Trade Commission has a terrific Web site that contains a wealth of information regarding credit reports (including how to address inaccuracies) at FTC.gov.

      3) Take a loan
      Another good way to build credit history is to pay off a small loan. Borrow from your bank or credit union to purchase a used car or a larger purchase, such as an appliance. Pay the loan on time and in full. Pay any student loans on time every month. (Remember: On-time payments are the No. 1 factor in determining a credit score.)

      4) Build job history
      A stable job history is another factor that lenders will consider when giving a loan. Creditors look at job history to understand a consumer s stability and income.

      5) Protect yourself from identity theft
      Identity theft is at an all-time high, and it can destroy credit ratings. Remember that identity theft occurs both offline, and through the Internet. Protect yourself from unscrupulous individuals who could go through your trash, steal account numbers online or get personal information through complex phishing scams. Record all important financial information and account numbers in a secure place. Shred all documents that contain personal information. Never give out personal information in e-mails or in a phone call you did not initiate.

      6) Create and stick to a budget
      A good way to maintain a healthy financial lifestyle is to create and stick to a household budget. Many people fall into credit score disarray by spending beyond their means, building up debts, and maxing out credit cards. In budgeting, list ongoing monthly expenses (fixed expenses like rent or mortgage payments). Add variable expenses that are must-buys (food, gas, medicine). Leave two categories for savings and spending cash (for unexpected expenses and entertainment). Add monthly net income (the amount left after taxes and other paycheck deductions such as health insurance and 401(k) contributions). A free budget guide is available at bills.com.

      Good luck as you venture forth into the world of credit, and I hope that the information I have provided helps you Find. Learn. Save.

      Best,

      Bill

      Bills.com

  12. QUESTION:
    Can You Search A Car and Find Who Owns It?
    Hi, yesterday when I was driving some pretty girls in a black Saturn Ion pulled up next to me and held their phone number up to the window. Unfortunately it was rainy, so the picture I took came out bad. I've guessed about 20 numbers that look like the one in the picture. I live in Michigan. Is there any way I could find a list of owners of black Saturn ions so that I could figure out the number and contact them? The girl was beautiful and I can't stop thinking about her.

    • ANSWER:
      Yes, but only under one of three conditions.

      1. You are law enforcement, and it's required in the scope of your duties.
      2. You are a tow company with actual possession of the vehicle.
      3. You are an insurance company with a claim on the vehicle.

      Otherwise, it's prohibited by Federal law.

      The Driver's Privacy Protection Act of 1994, Title XXX of the Violent Crime Control and Law Enforcement Act, is a United States federal statute governing the privacy and disclosure of personal information gathered by state Departments of Motor Vehicles. The law was passed in 1994; it was introduced by Rep. Jim Moran in 1992, after an increase in opponents of abortion rights using public driving license databases to track down and harass abortion providers and patients, most notably besieging Susan Wicklund's home for a month and following her daughter to school. It is currently codified at Chapter 123 of Title 18 of the United States Code

  13. QUESTION:
    Hello all, I have two questions, the first one about a hotel in Victoria. It is called " Havas royal Hotel?
    I want to know any information about this hotel, please. Secondly what are the Canadian Health Insurance registered Companies?

    • ANSWER:
      I visit Victoria every year and have never heard of this hotel. I checked on the website indicated in the previous answer (although a general search of the internet failed to find the website) and noted several cautions.

      The phone numbers indicated are not numbers for Victoria, BC. The toll free number is one I have never seen. The prefix 080 is not one I have ever seen for a toll free number in Canada. The other phone number has an area code generally associated with a cell phone, not a land line. There is no phone book listing for the hotel.

      The external links on website do not work, only those that show the hotel itself although the only thing shown is interior pictures, there are no pictures of the exterior of the building. Several of the other links, including for reservations do not work which would make it difficult for the hotel to have guests, even if they acrually had rooms.

      The website refers, in it's description of itself, as "the royal Scot" which is a real hotel in Victoria however I have stayed there several times and, unless they have changed a lot in the past year, they do not have all of the facilities mentioned.

      The address 42B Quebec Street is suspicious as although there is a Quebec St all numbers I have seen are 3, not 2, digit.

      The room pictures provided appear to be of a variety of styles, unlikely to be in the same hotel, and several of the images seen through the windows are not from Victoria. A couple show ocean views that are not from the area and, for a hotel located on Quebec St, impossible due to it's location. It appears that whoever designed this website used a variety of pictures from other hotels to create it.

      There is one picture of a hotel courtesy shuttle. The only problem is that shuttles serve as advertising for the hotel and this one has nothing indicated on it to show any connection with any hotel. It appears to be a car dealer courtesy shuttle used for people who bring their cars in for repair. I may be wrong but the picture is fuzzy which tends to indicate that it was taken on a street somewhere of a shuttle or the image was deliberatly blurred, in either case very suspicious.

      As time goes by people running cons become more creative and certainly this is the most creative I have ever seen. Do not respond to any email offers or the online employment application form as it is my opinion that you will end up losing money and your personal information.


list of car insurance companies phone numbers

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