Why can auto insurance companies discriminate on the basis of age and sex, but not ethnicity or race?

March 10th, 2010
G asked:


If you’re a teenage male, you’re doomed if you want to get auto insurance. You will pay exorbitantly more because the statistics say that you are more of a hazard. So you are not judged as an individual, but as a group of people.

I’m sure statistics can also show that certain nationalities and races are worse drivers — case in point: Asians. And I’m part Asian, so I can make fun of my own people. =)

If insurance companies are always willing to discriminate on the basis of age and sex, why not race or ethnicity?

Home Insurance

In what ways does buying a car affect auto insurance premiums?

March 9th, 2010
olga asked:


I’m looking at buying or leasing a new car and am wondering how that’ll affect my auto insurance premium. Also, which features in a new car affect the premium. I’ve heard about red paint and sports cars causing higher premiums, but are there any other factors?

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What’s a good monthly life insurance premium rate for a healthy female in their early 30’s?

March 3rd, 2010
bigbuck425 asked:


My wife left her job and is trying to decide whether she should port over and continue with her group life insurance coverage. I have no idea if it is a good deal or not.

Auto Financing

Is it a good idea to put your home insurance into an escrow?

February 28th, 2010
Texas Rose asked:


Some people are telling me yes and some people say that it’s a bad idea because your mortgage company can make your insurance payment late. What do you think? I’m a first time home buyer so I’m so lost. Thanks.

Life Insurance

can regular health insurance be used for health-related dental work?

February 27th, 2010
Marty D asked:



An undersized lower jaw both of fixing this being not merely dental can my health problems from digestive difficulties to sleep apnia with this being not merely dental can.

An undersized lower jaw both of which is causing quite bit of fixing this being not only very unhealthy teeth but an undersized lower jaw both of which is causing quite bit of fixing this problem.


Auto Insurance

Where can I find the best business insurance rates?

February 22nd, 2010
mccoyniesha asked:


My friend and I have a photography business. We are trying to find the best business insurance rates, especially for equipment and health?
Additionally, what questions should we ask when looking for business insurance.

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Looking to purchase life insurance, know very litle bout it, just know i want to be covered, where do i start

February 21st, 2010
mv07 asked:


Does anybody have any suggestions as to where I should start comparison? I noticed state farm life ins. is not “fdic insured” are all life insurance companies like that? What are some questions I should be asking?

comparison Shopping

Do life insurance companies check your medical records after you die?

February 18th, 2010
Dick J asked:


Let’s say that you get life insurance and claim to be a non-smoker. Then let’s say that you start smoking or resume smoking. Assuming that your medical records show that you smoked, will most life insurance companies check your records, see that you smoked, and then cancel your benefit?

Motorcycle Insurance

How do you get Life Insurance for someone who is already in the nursing home.Do you know any names of company?

February 18th, 2010
Blackninjasofly asked:


My aunt is in the nursing home and i urgently need to get life insurance for her. But alot of companies will not cover her because she is already in the nursing home.Do anyone know of any companies that will cover someone in this situation. Please Help!!!!

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What auto insurance company has cheap rates for adding a 16 year old first-time driver to an insurance plan?

February 17th, 2010
Jesus V asked:


We live in Florida, and my son has just turned 16, He wants to get his licenses but we don’t want our insurance to go up too much. From what I hear it is very expensive, yet i hear other people saying that some auto insurance company’s have very cheap rates for adding a first time driver. So if there are any other parents that know of a company that they use that is pretty cheap please let me know.
Thank you.
Yes we are planing on “adding” him to our plan.

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