I live in PA (orig. from Jersey) and I will be moving to Florida in June. I am covered under my parents plan until I turn 23 and lose coverage end of December. My Aunt told me that in NJ companies cannot deny you of a plan if you apply for one. Is this true for FL as well? I also have what they will call “pre-existing conditions” anxiety, back problems, an auto-immune disorder among other things. I am very frightened to be without affordable coverage. I know in PA if you have insurance through an employer they cannot deny you of anything “pre-existing” …is this true in Florida as well? Please so not try to sell me anything…Thanks!

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i have never less a car neither buy one.

-what are the tricks that i should look for when buying or lessing a car?
-what do i have to bring with me? (driven license, credit card..insurance?)
-what is the best site for auto sale in Michigan?
-do you think buying a car with payments, is better than lessing a car?

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I am french and don’t know anything about auto insurance in the US. I just received my driver license 2 months ago and a very old bettle (1973, value < 1500$) as first car. I never drive before (even in France), I have a clean record.

How work the liability here? Let’s say it’s not my fault but I crash in a schoolbus and 3 childrens will need medical treatment for the rest of their life because of me. Who will pay for it?
And what if it’s my fault?

[ In France, we have something called "civil responsability" that will pay for that. It's automatically included in every car insurance. ]

I am also browsing the net for cheap but good insurance. I want it cheap because the car is worth nothing. But I want it good because i am a young (no experience) driver. Any tips and links to some websites are welcome.

Thank you very much.

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Shopping for car insurance can be one of the most irritating experiences in modern life. Insuring your car can be extremely expensive, especially on a fixed or limited income, but it is necessary in most states to legally operate a vehicle.

With the uncertainty of fuel prices, the costs of transportation have become a serious burden for the average family-especially since one out of three American families own (and fuel and insure) three or more cars. Because of rising costs, more and more people are looking to reduce costs in other areas, including insurance.

While you can’t bring down the price of gas, you can do something to reduce your car insurance costs.

Car insurance rates are a reflection of the perceived risk the insurance company takes on when it insures you. If the company sees your risks as higher, then the insurance premium will be higher. If the company sees the risks of insuring you as lower, then this also will reflect in your car insurance premium.

Reducing your insurance premiums is all about doing things to demonstrate that the risk when insuring your car is low.

Tips To Reducing Car Insurance Costs:

. One of the first things insurance companies look for when it comes to assessing your premium is the type of car you drive. Fair or not, different types of cars mean different levels of insurance premiums. The reasoning behind this comes down to the statistics. Different types of cars attract different types of people with different types of risks.

Sports cars, for example, will usually be involved in more accidents than the family minivan. Sports cars are also more likely to be stolen, which also raises insurance premiums.

Your insurance agent can let you know which cars are cheaper, and which are more expensive, to insure. Make sure to consult with your insurance agent when you’re in the market for a new car. The right car can lower insurance rates by hundreds of dollars!

. Always look online for a competitive quote. Most of the major players and brokers are represented online and it is extremely competitive. It is very easy to get an online quote, just go to Google and search for car insurance quote and start looking.

. Drive carefully. It may sound obvious but as insurance premiums are related to risk then your manner of driving is related to your insurance premiums. Safer driver equals lower premiums. It may not seem so at the time but those traffic violations or speeding fines reflect in your bill.

These are just a few tips you can do to lower your insurance costs. There are many more. Learn all you can about your insurance company, and do not be afraid to shop around every six months to a year to make sure you are getting the best price.

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