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Thursday, September 15, 2005

Shoping Around for the Best Insurance Rates?

Author: diddlydudette
Joined: 17 Jul 2005
Posts: 48
Posted: Fri Aug 19, 2005 10:40 pm
Post subject: Shoping Around for the Best Insurance Rates?


I did earlier this year. I used to have State Farm for years until I found Allstate to have a lower premium. I was also able to get Allstate's road service and still be below what State Farm was charging. Who did you find to be cheapest and are you happy with service?



Author: Board Monitor
Joined: 05 May 2003
Posts: 1130
Posted: Sat Aug 20, 2005 10:11 am
Post subject: Shoping Around for the Best Insurance Rates?


We use Shelter, but should shop around. How much are you paying if you don't mind me asking?
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Author: diddlydudette
Joined: 17 Jul 2005
Posts: 48
Posted: Tue Aug 23, 2005 9:33 am
Post subject: Shoping Around for the Best Insurance Rates?


Well, I used to pay 344.00 every 6 months with State Farm and then I changed to Allstate with same deductibles, same coverage and now pay 255.00 every six months and that includes the Allstate Road Service. So I'm thinking I'm savings couple hundred a year....not too shabby.

I'm a true believe in shopping around and saving money.



Author: Ira
Joined: 19 May 2003
Posts: 1136
Posted: Mon Sep 05, 2005 4:24 am
Post subject: Shoping Around for the Best Insurance Rates?


I always shop around for virtually everything. I have been with Geico ever since they reentered the New Jersey market. They are consistently well below the market. I am a member of several groups which have negotiated lower rates with major insurers and Geico is still considerably below even the negotiated discounted rates. For my 2004 Taurus with full collision I am paying $425.00 every six months. I had a minor billing problem when I switched cars a few months ago, but it was quickly cleared up. Thankfully I cannot comment on their claims service.


Are Pay Day Loans a Rip Off?

Author: itsuptome3
Joined: 23 Aug 2005
Posts: 2
Posted: 23 Aug 2005 10:06 pm
Post subject: Are Pay Day Loans a Rip Off?


Hello,
New here and need some fast help if I may ask.
I have a couple pay day loans out that are due on 9-1 and with my hours cut the last two weeks and I didn't know they was going to do this, I won't have all the money to pay them on 9-1.
What do I do, I already called one of them and they said NO, will not accept anything other than the total amount. PERIOD.

Does anyone have any suggestions or laws I can look up?
Thanks!

Some states I see have the POST DATED check law that makes it illegal for them to do anything and forces them to work with you. These were all postdated. I also read that once it bouces, its no longer a check ( if it is postdated ) and becomes a loan, and they have to sue me if it is a loan and would give me some more time to pay them.
?? Cannot find laws on the net covering these type loans. Any websites?


Author: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 19 May 2003
Posts: 1134
Location: NJ
Posted: 05 Sep 2005 09:30 am
Post subject: Are Pay Day Loans a Rip Off?


Stay AWAY from this type of loan. It is one of the costliest forms of credit imaginable. See the following for more information:

http://www.ftc.gov/bcp/conline/pubs/alerts/pdayalrt.htm
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Do not let what you cannot do interfere with what you can do.

Ira


Author: maddybeagle
Joined: 19 Jul 2005
Posts: 100
Posted: 12 Sep 2005 04:20 am
Post subject: Are Pay Day Loans a Rip Off?



It is probably good for you that they dont extend it since it will just work into more fees.


Author:nixuzer
Joined: 18 Apr 2005
Posts: 86
Location: TX, USA
Posted: 13 Sep 2005 04:04 am
Post subject: Are Pay Day Loans a Rip Off?


itsuptome3 wrote:

Does anyone have any suggestions or laws I can look up?
Thanks!

Some states I see have the POST DATED check law that makes it illegal for them to do anything and forces them to work with you. These were all postdated. I also read that once it bouces, its no longer a check ( if it is postdated ) and becomes a loan, and they have to sue me if it is a loan and would give me some more time to pay them.
?? Cannot find laws on the net covering these type loans. Any websites?

Well, how did things turn out?
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