insurance what type? how much?

Auto insurance

• What factors may affect my auto insurance costs?

Driving history. A "clean" driving record keeps insurance costs lower.

1. Age, gender, marital status.
2. Driving patterns and geography. The more you drive, the more you pay and the more populous your area, the higher your insurance premiums.
3. Your car. Some cars cost more to repair, are more easily damaged in an accident or are targets for theft. They always cost more to insure.
4. Amount of insurance. The higher the policy limit, the more it costs.
5. Credit history. In some states, an excellent credit rating might reduce your premium.

• How can I lower my auto insurance rates?

Drive defensively and legally to maintain a good driving record.

1. Comparison shop for insurance, and be sure you´re comparing apples with apples for coverage types and costs.
2. Obtain higher insurance deductibles.
3. Get discounts whenever they apply to you.
4. Protect your credit rating.

• What discounts are available?

Ask our auto insurance counselor for the following discounts if you:

1. insure more than one vehicle with the same company
2. own your home
3. have recently taken a defensive driver course
4. have a car alarm, airbags, anti-lock brakes, or automatic seatbelts in your car
5. have homeowners and car insurance through the same company
6. pay in full or through EFT (electronic fund transfer)
7. attend college over 100 miles from home and don´t have a car with you
8. are a full-time student with a grade point average "B" or higher
9. participate in a shared-vehicle car pool

• Why does my insurance go up if I have an accident or get a ticket?

When you get a ticket or have an accident you become a higher risk. Statistically, the chance of having an another accident increases proportionately to how many tickets and accidents a driver has already had, so insurance companies adjust their rates to accurately reflect the increased exposure to future claims based on this higher risk.

• When I rent a car, what does my auto insurance policy cover?

Check your policy or ask your insurance agent. Your policy may specify rentals only for pleasure, like vacations or special events, but not business. Make sure you understand exactly how much your policy covers. Limitations may cover repair, but not losses incurred while the rental is being repaired. The policy limits may or may not cover replacement if the car is totaled. If you carry only liability, you may not have rental car coverage at all.

If in doubt, buy the rental coverage. It´s much cheaper than discovering after the fact that you don´t have adequate coverage.

• I have Property Damage and Physical Damage coverage. Aren´t these the same?

Property damage coverage, which is usually required, protects and covers damage you cause to someone else´s property. There is no deductible for this.
Physical damage (also called comprehensive and collision) is usually optional. Collision covers damage to your car if you collide with another automobile or object. Comprehensive covers damage from fire, theft, vandalism, weather, windshield, or animal-related accidents. Both typically have separate deductibles.

• If a friend drives my car, is he or she covered under my insurance?

Other drivers who your permission to use your auto are frequently covered. To make sure, check your policy or ask your agent. Find out if there are limitations regarding your policy and how they apply to other drivers.

• What should I do if I have an accident?

Check to see if anyone needs medical attention.

1. Call the police. They will tell you whether you should move the autos, and whether an officer will come take statements from those involved.
2. Stay calm. If a police officer questions you, be factual. It is not up to you to talk about whose fault it is. The police and insurance companies decide that.
3. If law enforcement is not involved, exchange

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Refinancing

• What is Refinancing?

Refinance is the act of replacing your mortgage with a brand new loan. Refinancing involves a similar process you went through with your original mortgage. Refinancing is a solution to lowering your monthly payments, changing your loan from adjustable to fixed rate, and taking cash out of your home’s equity.

• How do I know if it’s a good time for me to refinance?

Before you can determine if it’s a good time for you to refinance, you should first establish why you’re thinking about refinancing. Do you want to reduce your mortgage term? Do you need to take cash out/utilize the equity from your home? The exact reason for refinancing your home will help you determine what your best solution is for achieving your financial and mortgage goal(s).

• Is it worth refinancing if I only see a small change in my current rate?

A lower interest rate will save you money if you plan to stay in your home for more than a few years. You can use our mortgage calculator to see how much you will save by refinancing. However, even if you don't pick a lower interest rate, refinancing can still save you money by allowing you to roll in higher interest debt, or giving you the flexibility of and interest-only option.

• How soon can I refinance?

Most lenders/banks require you to maintain your original mortgage for at least 12 months before you can refinance it. Each lender is different and has different terms. Check with your specific lender for further details.

• Do I have to refinance with my original lender?

You don't have to refinance with your original lender but in many cases it makes the most sense to do so. In most cases there won’t be the need for a new property appraisal, title search, etc. It’s also more advantageous for a lender to offer a better price - it's easier to keep you as a customer than it is to find a new one. So chances are you’ll get a better rate by refinancing with the original lender.

• What is the “break-even point”?

When you refinance to a mortgage with a lower interest rate, you'll save money each month by lowering your monthly payment, assuming the other terms of the loan remain the same. However, it costs money to refinance. To determine the break-even point, take your total transaction costs and divide by the amount you'll save each month.

What is a “no-cost” refinance?

• A "no-cost" refinance is one in which the costs of refinancing are recovered by the lender usually in the form of a higher interest rate , so the borrower does not have to pay the closing costs up front. In other words, the cost of the transaction is built into the interest rate.

• Can I refinance for no cost or low cost?

Absolutely. With the wide variety of loan programs available at Quote Loans and Insurances, you may very well be able to refinance your existing loan at no cost or minimal cost to you. You will see immediate savings, and you won't have to sacrifice your bank account or equity to get a great rate. Many people have taken advantage of our no cost refinance programs. Why shouldn't you be one of them? Ask one of our experienced loan specialists about our flexible financing options, or apply online to get matched with a loan program that fits your goals.

• What is a “cash-out” refinancing?

If you've been paying down your mortgage for a long time, or if property values have risen in your neighborhood, you probably have built up some equity in your home. You can get access to this money through a cash-out refinancing. For example, if your house is worth $200,000 and you still owe $100,000 on your mortgage, you could refinance your mortgage for, say, $150,000 and borrow $50,000 in cash from the equity in your home.

• Can I cash out some of the equity in my home to pay off credit card debt?

A cash-out refinancing can be a way to pay off high-interest debt, because interest rates on loans that are secured by your house are usually much lower. For example, your credit card debt might have an interest rate of 18 percent or more, while a home loan is more likely to be in the vicinity of six percent. Remember replacing short-term high rate debt with long-term lower rate debt may result in you paying the same amount in finance charges over the term of the long-term lower rate debt.

• Can I eliminate PMI by refinancing?

If you meet two specific conditions, you may be able to remove mortgage insurance by refinancing your new home. You can qualify if you have made your mortgage payments on time every month for a specific time (usually a year), and you have reached a point of having 20% equity in your home, either through appreciation or paying down your mortgage.

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