Sparta Wisconsin Cheap car insurance quotes zip 54656

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I am a 16 year old who needs insurance. I plan on get a new car in a month which is my 17th birthday. The only problem is, I need to know what agent is the cheapest.

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I am buying a 2011 camaro 2lt. Now here is what I am thinking. If i put my car under my dad's insurance will my insurance also be lower if i am listen under my dad's insurance and as one of the people who drives the car instead of having the car under my insurance?

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I was told that if I added my home owners insurance to their company that I would save a bundle on both the auto and the homeowner policy. At the time, I had the same homeowner company for over 25 years and was happy with my policy but they looked at the policy and said they could offer me the same coverage at the same price. So, of course, I switched and admittedly never looked at the policy until I had a recent claim. Now, I find that the policy that I was switched to was NOT the same coverage I had at...not even close. I now have a 1% deductible instead of $500 and I also now have actual value instead of replacement cost coverage. Needless to say, I'm angry and feel I have no recourse since I admit I didn't read over the policy...I trusted the agent , since I had my car insurance with them for over 30 years. Has anyone ever had this happen to them and what, if anything, can be done about this?

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Around how much would car insurance be if im under 21?

Like if i go under my parents insurance, how much more would it be? Thanks :)

18 year old with car insurance question?

okay, i live with my parents...daddy has a car and insured it and put himself and my mother under the insurance. On paper, i dont live with my parents. Okay my question is if i get a car and put a different insurance under my moms name will her gettin a car effect the cost of my dads isurance (the only reason i think it will effect dads insurance is that my mom is on his insurance).

Lying to insurance company?

The other night I hit into a pole in a parking lot and no one saw, and caused the pole no damage. However, the front of my car has a small damage. Money is tight. What if I were to tell my insurance company that I did not know how it happened and I'm looking to repair it...

Car insurance?

When you buy your car insurance online, there is a question in the application as to what motoring convictions you have had in the last five years? now if you have a DR10 ...show more

Term Life Insurances-Insurance Law?

Hi I was wondering if you would be able to look at a brief summary of my family situation and give me some suggestions.I want to get insurance but can u recomment some changes in what I presently have. I thank you. I am married and have 3 childern (ages 9, 12, and 16) I just bought a waterfront home which is valued at 500,000 with a 300,000 mortgage. My jewrely is about 10,000. We have 3 cars a 2004 BMW, a 2002 Lexus and 1997 Jeep Wrangler. My husband works at a large manufacturing firm and earns about 125 K. I run a day care center from my home and earn about 45K. I don't have any employees. My kids all go to private school - which costs me about 25 a year. We honestly have no savings or investments and almost no discretionary income at the end of the month. ( which is a main reason I am writing this!) I met with a financial planner and they suggested on purchasing a 50,000 variable life policy for each of us as an investement. I think i am worried about the high vost of these policies This is what is presently covered property risks Ho3 with no endorsements or riders, dwelling 300,000, liability 100,000, medical payments 2500/person, uninsured/underinsured motorist 100,000,collision and other than collision (100 deductible) Personal risks: Life - my husband employer paid group term 50,000, we both have 50,000 universal life policy disability - mr. murphy - employer paid group policy (LTD with a 90 day wait with benefits to age 65) I have no coverage Medical: My husband - employer paid Major Medical (family plan) myself - i have an individual plan and still pay premiums I thank you for whatever you can give me!!

How much will car insurance cost me?

I'm an 18 year old male. My GPA in high school was 3.4. No criminal record. I'm going to be driving my mom's Honda Accord 2005. She only got into 2-3 accidents ever. She has Farmers Insurance. They never respond when my parents ask them how much insurance would cost me so I figured I should ask someone here for an estimate.

How much is car and home insurance?

sorry this is kinda long.. but... im doing a project for economics class. and we have to figure out our future, like make a resume and a job app a cover letter, and all this other stuff after we picked a career we are interested in doing with our lives. so, we have to figure out our budget like housing stuff, housing bills, transportation like car insurance and car payment. investing and miscelaneous like cell phone bills internet and entertainment to name a few.. after this. we take our total monthly net pay, and subtract our total monthly expenses and thats our remaining income just for whatever. but i am having trouble finding house insurance, and car insurance. all i am getting from searching is quotes, and i dont need that.. i jus need a straight up dollar amount. if anyone can help.. that would be great.. thanks.

Sparta Wisconsin Cheap car insurance quotes zip 54656

Hit by car, no health insurance?

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Im 21years old,male with a mazda miata 2001. My auto insurance to too high. where can I get cheaper insurance?

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Would a part-time job at a mall store or movie theatre pay enough to cover an 18-year-olds car insurance? How old are you and how much does your car insurance cost monthly?

Why life insurance is so cheap ?

are they really going to pay after death ???

Car insurance for an 18 year old?

When I turn 18 I'll most likely be getting a car. I'm living in NJ and just want to know how high the insurance would be. Also, would previous driving experience help? Like I drive a moped, I don't think it would do much, but would the insurance go down, even a dollar? I'd just like to know.

Insurance Rates tied to credit score?

I just read the front page of our local newspaper regarding homeowners and auto insurance rates will be tied to ones credit score, making those with lower incomes, or problematic credit to pay even more for the home or auto insurances. The main question I have is...do you think that if ones credit improves, that the insurance companies have an adjustable rate that will decrease when ones credit score increases? I know this isn't the way it's going to happen, but what are your feelings on this plan?

Auto insurance for a Ford Mustang vs. Honda Accord?

I am a 16 year-old female who currently has a 4.4 GPA. I took drivers ed when I was 15 to get my license. I heard that cars are ridiculous to insure for young drivers, especially ...show more

Does anyone know of cheap car insurances for new drivers i am 17 years old.?

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Hey I'm looking into buying a 2010-2011 Camaro How much would insurance be for me?

I'm 21 and looking into buying a 2010-2011 Camaro I'm just trying to figure out the basics like how much would insurance cost me and how much would the monthly payments on the car run me...I'm going to make a down payment of $5000 when I go to the dealership. Any kind good advice and tips on what I should do to get my dream car is needed ..Thanx in advance everybody

I need help with car insurance?

My parents are divorced and i live with them each 50% of the time. I just turned 16 and was put under my dads insurance. When im at my moms house am i allowed to drive her cars even though i am not listed under her insurance and live in her house part time???

When buying a phone online can you get phone insurance?

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How much will my insurance raise after DUI and totaled vehicle?

I totaled my 2005 Jeep Wrangler Unlimited Friday night and got a DUI. I have been with Nationwide for a number of years, and had a pretty exemplerary driving record. I was paying about 100 dollars a month full coverage as a 26 year old male on my Jeep. Does anyone have an educated guess at what my insurance rates will do now? I'm trying to decide, when I get my license back and buy a new car, if I should be looking at a sports car with full coverage, or if insurance prices alone are going to make me want to get something cheap with liability coverage. By the way, I live in West Virginia.

Life Insurance?

Is life insurance under rated? If so explain why?

Motorcycle insurance????

Can anyone give me an average quote for a 19 year old? Kawasaki zzr 600?

Anyone bought a trampoline, put it up and then have an insurance company demand you take it down or drop you?

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How much will my insurance go up after I've gotten a speeding ticket?

I got my first ticket when i was 14 and it was a $10 ticket. i recently turned 18, and i just got pulled over again. it was an $11 ticket. i dont want to tell my parents, but i know the insurance rate will go up, but how much? i live in north dakota.

Shouldn't we have a public option on auto insurance as well?

The insurance industry has spent tens of millions of our premium dollars to buy off members of congress. Why shouldn't we pool together and fight against this industry in the same way that they fight against us?

Am i going to get my drivers license suspended?

i was going 76 in a 45 in the state of northcarolina. will i be with out a license? also how much is this ticket going to cost? i was also charged with reckless driving. if you could answer this that would be great too but, how much will my insurance go up? i have liablility insureance and i pay 160 a month. i have been driving for about 5 months and this is my first ticket.

How can I drive my new car home without insurance?

I am buying a car and will need one-day insurance to get it back home, however I am 20 years old and no-one will cover me. How do I get the car home without trying to find someone over 20 to drive it for me?!

Where can I get cheap car insurance? I'm a first time driver (female, UK)?

I passed my driving test last month and im about to buy my first car. But I have not got a clue about car insurance. Where can i get cheap car insurance for a female, first time driver?

How much does car insurance cost for 18 year olds?

would it be cheaper if I combined it with my dad's insurance plan? abput how much would it cost then?

Why do people buy life insurance?

What groups of people buy life insurance? Why do they buy it?

Sparta Wisconsin Cheap car insurance quotes zip 54656

Can I use my parent's car insurance to buy a car?

I have been covered under my parent's car insurance since I was 19 years old and still am. I did buy auto insurance for the new car that I am picking up today from the dealership. However, that insurance does not start until 12:01 am tomorrow morning. As I am still under my parent's insurance, can I use that insurance as proof of insurance when I go to pick up the car this afternoon?

Is insurance expensive on an '01 Hyundai Tiburon?

Car accident, not my fault, no insurance?

ok i just got in a car accident today when a girl ran a red light and t boned my car and totaled it. it was totally her fault and she even amited runnin the red light but the thing is i have no insurance so right there i already lost my liscens but whats going to happen with my lost or what should i do now about my lost? also i didn't go to the hospital ether but my shoulder is starting to hurt now to a point i can't even lift it or pick things up so im going to the hospital tomorrow..so whats going to happen with that? plz help!

How much will gas and insurance cost for me?

I will be driving at least 30 miles per day on week days and about 12 miles per day on the weekend. I am 18 and in college. I haven't gotten my driver's license but plan to take the test in a month or two. I don't know what the MPG of my car will be as I have not purchase it yet but I can almost guarantee it will be fairly old so that may help determine it somewhat. An estimate on a cheap car would be nice too.

Volkswagen Golf SR insurance?

I have just bought a Volkswagen Golf SR (import) 8v 1.6 ltr and I am having trouble finding an insurance company that lists this car. Has anyone else got this model and who do you have your insurance with? Thanks for reading

Cheapest car to insure for first driver 17?

i want to be drivign this year but the insurance is crazy! i looked at a 1l corsa 1litre is one of smallest engines you can get and its 5k a year so what cars are cheap to insure at 17 and a roughly figure? i dont want any ridiculous cars such as fiat panda smart car ect if im paying so much i want it to be semi nice the ford ka is also abit to feminim for my liking i like minis golf polos 106 corsas astras those type of cars cheers :] would really appreciate the help cheers joe

What is the cheapest insurance group?

I'm 17, girl, doing my driving lessons and am planning to get a car soon. Not bothered which car, i just want a cheap, affordable one. I've been hearing about insurance groups recently which is confusing me because no one around me can adequately explain it. So, i just would like to know what the cheeapest insurance group is and if you could also please explain a little more on insurance groups so that i'm a bit more informed.. thank you

How much would my car insurance cost?

All I need is an estimate. Well Im looking forward to buying a 2005 honda civic 4dr & it has a salvage title

Explain which is better to invest in insurance or mutual funds?

Why do most people try to scare young drivers with large insurance costs?

I am a responsible teen. Why do some people try to tell me I'm not? I hate generalization.

Where to Find Affordable Health Insurance?

I was looking on google to find affordable health insurance, but I've seen so many sites.And they have very high prices.I need a cheap and affordable health insurance company.please suggest me a good sites.

Best way to find affordable therapy for a teenager with depression?

I'm seventeen years old and I think I have depression. All teenagers are emotional, I get that, but I know this is more. When I'm occupied and around people for a few hours at a time or less, I'm fine and usually even happy. Then when I actually have time to stop and think and let my mind wander, I usually feel kind of hopeless and just very sad. I also have other emotional issues, like the littlest things seem to enrage me. Also, I read somewhere that depression can cause physical issues such as digestive issues (which I have been having a lot of the past four or five months). I cancel plans a lot now, either because my stomach is acting up or I feel too sad to go anywhere and I just dont want to be bothered with people. Ive been sleeping a lot more than normal lately because thats the only time things dont bother me. When I was about thirteen I had an issue with cutting, I would talk to my guidance counselor (which is not an option now because I did home schooling and now am done with school until college next fall) and when she realized that I may have some more serious issues, she called my mom. My mom always brushed it off. She talked to me a total of one time, only when I went to my older cousin and my cousin forced my mother to talk to me. Basically, my mom got mad because I said I didnt feel comfortable talking to her and she refused to send me to a counselor, then she said she would send me to a counselor (at that time I had insurance) but she never actually ended up doing anything. So I went back to doing what I always do, pretending to be fine, and for the most part I controlled it. I stopped cutting until about seven months ago, which was also when all my other issues started popping up. I havent cut myself in a few months now, but I still have the urge to which is not okay. Depression and other mental health issues run in my family, and I keep thinking of one particular relative who got so bad that she took her own life. I know that at some point she must have been like me, where it was difficult but still somewhat manageable, and it just scares me that I could get to the point she was at. I have no insurance, and we have very little money. I know Yahoo Answers isnt the ideal place to seek advice, but I dont know where to go. I only have one true friend that I trusted enough to tell, and obviously she is my age so shes just as clueless as me. Then I have tried talking to my older cousin (not the same one I mentioned before, she and I dont talk anymore) but in her world even if the money is not readily available, when its needed they find a way, so she doesnt get the concept when I tell her I really do NOT have the money for a psychologist or insurance. Is there any websites or anything that provide information on free or more affordable counseling for teens? Im ready to admit that I need help I just need to find somebody actually willing and able to give it to me.

How to find a car that will have cheap insurance?

Hey! Im an 18 year old guy thats about to start driving , and as always the case - insurance is a KILLER. Im going to get a used car and i honestly don't care about the looks aslong as it functions fine! Just wondering what i can look for that will minimise insurance price? Small engine , age etc? Thanks :)

Can I get liability insurance from an insurance company and collision only from another ?

I went to Allstates and GEICO to get auto insurance the first gave me cheap liability and very expensive collision and the other is the opposite ,can I liability insurance ( bodily injury and property damage) from allstates and collision from GEICO ?

I received a minor traffic infraction (65 in a 60 MPH zone) in WA, will my insurance go up?

Minor traffic infraction, my first ticket. I'm 20. Also, what's a defferal and how much does it cost?

Is insurance on jeeps more expensive?

im thinking of buying a jeep 1995 or older most likly (YJ, TJ) do they tend to be more or less expensive on insurance then the average car?

Do you need motorcycle insurance in florida?

i plan on moving to florida really soon, i am from n.j. and i heard i wouldnt need insurance, is that true? are there any circumstances where i would need to get insurance?

Insurance on g35 coupe?

I'm looking at buying an infiniti G35 coupe (don't want the sedan) couple years older though maybe an 03 or 04. I'm just wondering how much insurance is going to be roughly? I'm in the process of getting some quotes, but just some insight and second opinions would be nice. Anything specific I can do to keep insurance lower? I'm currently driving an 05 mazda 3 and I'm 20 years old with clean driving record. I know there is alot to factor in such as where I live and how much it is going to be driven, but if right off the bat if insurance is going to be killer than I won't even bother. any input is welcome, thanks in advance!

Wtf Is going on with car insurance companies?

Last company auto renewed my policy but i wasnt aware of this as had moved address, so to cancel it I had to pay 133 as id already started going with someone else on top of the initial deposit amount i had to pay for both companies which has took a large chunk of my money for what i feel was no fault of mine, then a month later im getting letters from my current insurance asking me to pay an extra 90 plus 25 admin fee or my policy will be cancelled AGAIN meaning a cancellation fee because when i said i had held my licence for 8 years they recon its 7 ive held it for and this makes my policy go up, thing is i got my licence on 22/08/2003 and took my poliocy out on the 19/08/2011 so they're making out when i took out the policy i only had licence for 7 years for sake of 2 days who the hell wouldnt have said 8 to that? it just seems theyre trying everything now days trawling through all your stuff finding the smallest detail just so they can get money off you or cancellation fees cos that way they're not risking anything on insurance but still gettin money off you for cancellation fees its a joke and I can really see why people think there's no point having insurance anymore. Plus I have never made a claim since I started driving but because others have in the country im being punished with premiums going up. Will it just end up where everyone who simply cant afford it thinks sod it and drives round with no insurance? surely that would make things even worse but all these cancellation fees if it happens again that I have to cancel that will be 550 ive paid in the last 2 months and still my car wont have insurance????? arghhhhh its doing my head in surely something can be done to help the customers a little more as insurance was always a headache but this is becoming ridiculous now. ..

What are some car insurance companys?

would love to know ones that are cheap???

How do you figh no insurance ticket?

if you get into an accident without insurance, how do you fight it both the police and the insurance.

Car Insurance problem?

Yesterday my dad was in a car crash but thankfully no injury. The victim who crashed into our car had escaped and dashed off bout 6miles. The point of this story? The victim had stolen a car from a rental place and had been driving really fast probably. Figuring that this guy has no money and insurance, can not pay for the damage of my car. (I had bought it about a year ago, and used car) It seems Like we would have to pay 1mill yen (Japan) for this whole crap. Obviously this does not seem right at all, and should not be paying anything at all! Our insurance covers the accidents we get into, but not the damage of our car. So that means, our insurance doesn't cover it, the victims or the company (toyota) might not be covering it either. This case is rare supposedly and we're still figuring it out. And their on a hunt for this guy so hopefully we'll see what he has. Can you hear me out on this one? Can you give me things that might question this case? thnx a lot

Is it illegal to drive without car insurance?

Whats The Cheapest Car To Get Insurance For?

Where can i get less expensive car insurance for an 18 year old student with a 2000 mustang?

Well this may sound like a long shot, but I just recently bought my son a 2000 Ford Mustang, Now its insurance time, hes 18, gets A's in school and has had drivers ed. Why do the quotes from Progressive and esurance estimate its going to cost nearly $500 a month, even with a 1990 honda junker it still cost nearly $400 do these prices seem reasonable, i can't recall them being that high, when i first got insurance, thanks.

Sparta Wisconsin Cheap car insurance quotes zip 54656

Car insurance help!? please...?

Somebody hit my car and possibly totaled it. If it is totaled would their insurance just pay off my car, just give me a check for what its worth or both??

I am looking for free healthcare insurance in the state of delaware?

What are the NON-LIFE INSURANCE PRODUCTS offered by Private insurance Companies?

Can some one tell me where i can find various non life insurance policies offered by private companies???

Mandating health insurance?

I heard that HIllary and Obama want to mandate health insurance. How is that going to solve anything? People can't afford it, like me. Health insurance should be like car insurance, people pay their own way and if they don't have it they pay for their repairs or don't get fixed.

Motorcycle insurance, big problem?

Ok, so ive been riding a motorcycle for more than a year now. and ive had my eye on a 2009 ninja zx-6r. so i asked a guy from state farm what full coverage would be and he told me around 1000. which is really good. so i bought the bike and went back to him. turns out it will actually be around 4000-5000. WTF. is there anything i can do? or am i just s.o.l.?

Cheap sr22 insurance?

I'm looking for a cheap sr22 insurance. Anyone can help me? Thanks

How much will my insurance increase if i get a 1994 mustang ?

I'm 18 and right now i have a really crappy 1994 mercury topaz and my parents pay my insurance, which is $110 a month, but they said if i want a better car, i have to pay the insurance increase and was wondering if someone could give me an educated guess of what ill be paying. Thanks

How much is non onwers sr22 insurance in illinois?

I dont have a car and my license has been suspended.

Car Insurance Rates?

I am a 19 year old college student in VA. Currently my parents pay for my car insurance and cell phone bill. I would like to pay these on my own and was wondering what I could expect to pay for my insurance. I know that rates are highest for young single males, but I have had my license for 2 years, and I haven't had one speeding ticket or citation or anything. I haven't even been pulled over. So my record is good. Also, I have been in no accidents. So, what could I expect to pay? Thanks!

What is the best medical insurance to get that is affordable?

How will the affordable healthcare act affect the unemployed?

I have a friend who is unemployed and living under my roof. They're not being claimed by anyone (over 21, not being claimed by parents or myself). They're not in school. They receive no income whatsoever. How will the Affordable Healthcare Act affect them? Will they still be required to get health insurance? I'm sure, legally, the answer is yes, but how will the government *know* they even exist?

Where can I find cheap car insurance for someone who has a dui?

I live in AZ and I am trying to find car insurance for someone who has had a dui. The only company so far is Bristol west but they are too expensive. Where else can I go?

Sr-22 insurance how much does i t cost?

I got a dui in 2002 and i havent drove snice i have a car paied off and its a 92 cavilier does anyone know how much my payments would be each month and all i want to put on it is just relaible insurance

Does registration of a car affect insurance rates?

My fiancs father gave us this old(99) car and signed it over to her. Last year we used that as a trade in for a new(08) car. We just transferred over the plates and registration because it was easier, she absolutely hated being there for as long as we were. Now she only has her permit but is under the insurance policy. If the car was registered to me, a licensed driver, would it affect our insurance policy/rates?

Do Asians pay higher Car Insurance rates, especially women and is that legal?

Do insurance companies use profiling in their rate policies. Are they like the IRS who used typical words for known tax cheats like Patriot or Tea Party .Or do ...show more

Insurance fraud?

I have a friend who committed insurance fraud. he had to do a sworen affidated. (he claimed his brand new sled was stollen) What can happen if he is caught.

Why is car insurance so expensive?

Im 20 and i pay 63 a month for just the very basic essentials to not get a ticket, ive never needed my insurance nor has it done me any good. My parents pay for a whole bunch of different coverage and when they got into an accident with a drunk driver, the insurance company didnt pay for anything and they hired a lawyer to protect them from having to pay my parents anything. Why do we need insurance in the first place and why is it so costly? I think its really just a scam.

What happens if you get caught without auto in card in Texas in an accident in an insured car?

Have a question about car insurance?

Im currently 18 and just passed the driving test. I reside in bronx ny. I wanted to know how much would insurance be for a used fully paid car under my name?( ranging from ____ to ____ ) Lets say the car is a honda civic year 2000. Or any other better car that wouldnt be high on insurance. Thanks

Is infinit g35 coupe is a good first car?need ur opinion pl :)?

So I'm 18 and thinkin about buyin a g35 coupe .its goin to be my first car is it a good car for a first time buyer?and I also interested buyin a 2010 Mercedes Benz c-300 with really low millage.i can afford both cars but just can't decide which one./: any suggestion guys?:)

How much would it cost to insure a learner driver on a diesel skoda octivia?

Basically I am a learner driver and I'd like to know how much it would cost to be insured on my dads Skoda octivia diesel (as a learner). If someone could find out I'd preferably like to know how much it would cost under the AA as thats what my dad is on, along with the price I'd also like to know if its good or bad since I don't know whats considered expensive for learner driver insurance on cars like this.

Driving without insurance can I go to jail?

I was caught driving without insurance and expired plates last month. I went to court and I was fined $250. I have not been able to earn that much money and I was wondering if I could be thrown in prison for this. I have court in a week.

Honda civic si insurance?

Okay well im planning to upgrade to an 07 si im 18 and not a first time buyer, i had insurance for my other honda for about a year, so i was wondering about how much the insurance would be? Before i call my insurance.

Insurance question: Does anyone know?

An insurance policy that covers several individuals, often sharing common professions, is called a(n) _____________ policy.

Pay out of pocket for my car or go through my insurance company?

I live on a hill. Last week, in a quirky weather situation, the street I live on got super-slick just long enough for my 2000 Toyota Camry to go into a 300' free-slide down the hill and crash into a curb and a tree. It was a one-car accident, no one was injured. The repairman can only give me a rough estimate at this time but he thinks it'd cost about $1500 to repair using old body parts, although he says it could cost more if he finds more damage as he goes along--in that case he thinks it might cost up to $2,000 to patch it up out of pocket. I asked him about the pros and cons of paying out of pocket vs. going through insurance in my particular case. He said that if I chose to go through insurance--which would mean getting a USAA adjuster out and all--that he was thinking it would probably cost $2500 to repair, maybe more if it turned out there was more damage that he could see at this time. But he pointed out that I'd have to pay the deductible (which I think is $500 for my car, not sure) and that my insurance rates would go up. But then you'd end up with a new-looking car. [as opposed to a patched-up looking car]. My husband absolutely wants to pay out of pocket--he does not want to involve our auto insurance company, saying, The insurance company is only for the big accidents. But I'd like to keep this car for several more years if I can because there's no car out there that I like better, so I'm wondering if maybe it might be worth going through the insurance company. Here's a little more information: My 2000 Toyota Camry has 115,000 miles on it and has been very reliable over the years. The motor wasn't damaged and, in fact the car is already driving well again except that one headlight and blinker are broken. There is, of course, body damage to the front and hood, plus a 6 crack over the left back tire (not very deep), which occurred when I backed out of the tree, slid again, and hit the curb on the opposite side of the street. Re: Our insurance situation? We (me and my 3 driving age children) had a string of costly minivan accidents in the 1990s: 1. one in 1997 when my daughter totaled my van, and got sued for injuries by 2 people in the other car (the lawsuit was settled many years ago but it dragged out for years). 2. one by me, a one-car accident, no injuries, our insurance company paid for the damage minus the deductible 3. 2 accidents caused by other drivers, so my insurance company didn't have to pay any damages--I don't know if USAA takes accidents caused by other people into consideration or not. 4. My son totaled my van in 2000 [which is why my current car is a year 2000]. So we have not called upon our insurance company for any expenses for almost 11 years now. Regarding traffic tickets? I got one 3-4 years ago for speeding--35 or 40 mph in a 25 mph zone-. If my points from this ticket have expired by now (not sure), then there are no other points on our record. Our children are now out of the nest and only one of them borrows our car when she comes to visit once every month or two. I put less than 10,000 miles/year on my car for work and vacations. We live in PA. So my question is this: Given the age of the car, amount of damage, etc., is it worth going through our insurance company to get the car fixed rather than pay OOP--or would going through insurance raise our insurance premiums so much that it wouldn't be worth it?

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