Car Insurance Deductible Quotes

You'll teach me to drive your car if I let you get in the water?" "Uh, no. I'll teach you how to drive Galen's car if you let me get in the water. You're not touching my car without a license. A real one, not some shiny plastic thing Rachel made between afternoon talk shows." Even if Galen doesn't have insurance, he's got enough in his wallet to buy a new one. I, on the other hand, have just enough in saving to cover my deductible. Her eyes go round. "You'll let me drive his little red one? The combustible?" Why not? I nod. "Yep. The convertible. Deal?" She grabs my hand from the couch to pull us both up. Then she shakes it. "Deal! I'll go get the keys from Rachel.

Tax-Deferred does not mean Tax-Free It never ceases to amaze me when I meet with people who do not know that tax-deferred does not mean tax-free. You mean I have to pay taxes when I take this money!? This is not all mine!? These are common remarks I hear as we are looking at their most recent retirement account statement. Somehow this consideration was missed when they enrolled in the savings plan and each year when they postponed the tax when filing their tax return. I am not a tax professional but I can understand how an accountant or tax preparer wouldn’t think to make sure the client understands that they are postponing taxes and the tax calculation during their working years. I met an accountant that expressed how difficult it is when he gets the client that believed they were ready to leave work only to find out that because of taxes they are coming up a little or a lot short. This happened to one of my relatives that worked at least 30 years as an x-ray technician and then supervisor at a very large hospital. While working, they always had the nice houses, the nice cars, and a nice upper-middle class lifestyle, nothing fancy. After he retired and even though his wife still worked as a school principal, he had to take a sales clerk job at a nearby liquor store so that his family could maintain their lifestyle. I will never forget other relatives joking and laughing about him miscalculating his retirement. I’m certain that his unsuccessful retirement and that of other relatives influenced my interest in retirement planning if for no one else but me. With a limited amount of retirement income, most retirees would prefer to keep their dollars rather than give them to Uncle Sam. Even those with an unlimited source of funds don’t want to pay more taxes than necessary. Fortunately, there are some ways to decrease your tax burden once you’ve done the obvious work of ensuring you’ve taken all the deductions and credits to which you’re entitled when you file your taxes.

America is rated 37th in the world for quality of health care. It’s basically a third world country with iPhones and Whole Foods. The American health care system is very similar to insuring a family car - except you’re charged Lamborghini rates. It costs several thousand dollars per year and there’s generally a deductible. Americans can’t wrap their head around a system based on paying less and having everyone covered, because they’re happy to pay more if it means someone else doesn’t get it for free. Fuck Timmy. His parents shouldn’t have had a child if they can’t afford to insure it. This isn’t a village.

for the higher deductible on your car insurance; it will reduce your cost by as much as 30 percent, and will keep you in the insurance company’s good graces.

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Insurance companies have another subtle tool. They can design policies, or “screening” mechanisms, that elicit information from their potential customers. This insight, which is applicable to all kinds of other markets, earned Joseph Stiglitz, an economist at Columbia University and a former chief economist of the World Bank, a share of the 2001 Nobel Prize. How do firms screen customers in the insurance business? They use a deductible. Customers who consider themselves likely to stay healthy will sign up for policies that have a high deductible. In exchange, they are offered cheaper premiums. Customers who privately know that they are likely to have costly bills will avoid the deductible and pay a higher premium as a result. (The same thing is true when you are shopping for car insurance and you have a sneaking suspicion that your sixteen-year-old son is an even worse driver than most sixteen-year-olds.) In short, the deductible is a tool for teasing out private information; it forces customers to sort themselves.