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I was young, (22yrs old) had 2 jobs and made good money. I decided to trade in my old junk of a car and buy a brand new car. I had no credit history so my then bf helped co-sign for my new car. My interest was sky high but I didn’t care at the beginning because I had no idea what I was doing. I paid a very large amount per month and then after about a year, I lost my main job. A few months after that, I lost my other job. I now was collecting unemployment and went through HELL to make sure that car was paid off every month. I started making late payments and my life was just a mess because not only did I have to pay for that car, I had the insurance, rent, etc. I was no longer able to pay my car and that day came when Mr. repo came knocking on the door. They took my car after 2 years of me working my butt off and they auctioned it off for SO cheap (almost had a heart attack at how much they sold it for!)

This was in 2008 and 2 years later, I’m still struggling financially in more ways than a hundred lol…I have really bad credit, I can’t even open a bank account and I feel like my once so organized and amazing life is now totally off track. I don’t know what to do. These are my questions:

1. If I open a bank account, can my lender seize all my money? Not a savings, a checking account.

2. Being that I did not pay the upside down on the car (,000) should I file for bankruptcy and is it too late to do that after 2 years? And for those who want to suggest that I pay off the 16 grand, I’m not because I’m not going to pay for a car I don’t have anymore and you might say well you’re stuck with it you should have never bought a car you can’t afford I don’t want to hear it because you don’t know my story. I want serious answers, not answers that are going to sound mean and not help.

If there is anything that I’m missing? Please, any advise would be GREATLY appreciated. Thanks in advance

Imagine this scenario:
A car was brought from an auction by person1 for person2, the car was used by person2 with insurance but without tax and never registed. The car gets reported without tax 1 year ago and never used since, recently the car is then seen on the road "parked" and reported again to the police for no tax. person2 is now worried about the fines and possibility of invalid insurance. Now the only option seems to be to scrap or abandon the Lovely! car … Can the police see who has insured the car (i.e. details of their name and address) and trace it back to person2?

I just bought a used car and I need to purchase my own auto insurance policy. I printed a quote at the dealership and drove the car home and I’m planning on driving to the insurance office tomorrow to purchase the policy. Right now I am covered under my parents insurance, but I couldn’t add my car to their policy. So, am I OK to drive the car tomorrow before I get my own policy? Thanks.

Finding low-cost automotive insurance will not should be a major ordeal. With therefore many providers providing higher rates and additional detailed coverage, the selection will be overwhelming at times. When beginning the seek for lower value insurance, there are some factors to keep in mind to insure that the simplest coverage is being gotten for the price.

Before starting the search for reasonable automotive insurance, it’s necessary to grasp which factors can have an effect on quote prices. There are a number of things taken into account when determining the cost of premiums. Clearly, safer drivers who have terribly few accidents in their driving histories qualify for very cheap rates. However, enrolling in a driving safety course will facilitate drive down the costs for people whose records are not as clean or who do not have an extended driving history.

By owning a vehicle with some of the newest safety devices installed, the insurance firms may supply much lower rates than if driving a car say, while not airbags. If the automobile is safer, the less likelihood of great harm or injury, so the less need for large amounts of coverage. Low-cost automotive insurance can be procured by letting the insurer understand that your vehicle is equipped with one or two of the features.

Many individuals will tend to file a claim for all the items that may go wrong a day with a vehicle, irrespective of how minor the problem is. This can move the insured into a high risk status within the eyes of the insurance company. By looking after the minor things on your own, this will keep you low risk and thus, the suppliers can keep your rates lower as well.

Having a high credit score will conjointly let you obtain lower automotive insurance rates. This shows the providers that you are accountable, pay your bills on time and typically live your life during a safe and secure manner. Not only will their premiums be paid on time however you’re less probably to go hot rodding around at a pair of am and have an accident.

While some websites will give you multiple quotes from totally different providers, visiting every website can conjointly be done. This is in half due to the fact that these multi quote sites will not have all the knowledge concerning doable deals or special offers which will only be on the provider’s web site itself. Be sure to check each one rigorously for attainable discounts and set up coverage.

Provide the insurance companies with as much information as they need in order to get the foremost accurate quote. Be truthful since deliberately entering wrong or misleading info will lead to termination of coverage or a denial in claims. Speak with an agent directly to work out if there is anything that may be done to induce a lower rate. Typically they can supply special or seasonal discounts depending on the circumstances.

Finding deals on cheap automotive insurance isn’t very that difficult. Merely searching on-line will bring a big selection or providers and coverage types directly to you. Be positive to ask questions relating to the exact coverage that’s being sought and on what discounts or specials could be out there from every provider.

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There are lots of little things you can do to lower you car insurance payments. Of course, searching for the best company is a part of it, but there are always discounts that you can search for. Be sure to ask your insurance agent about all of these discounts before you set up an agreement.

You can easily lower your monthly insurance costs by keeping your deductible high. This is the sum of money that you need to pay when the accident is caused due to your fault. This sum has to be paid once in each accident you face. With a high rate of deductible you may have to shell out more cash at the accident time, but you can get your monthly bills lowered.

The next step to get more discounts is to use the insurance company to get coverage for your cars, home, health as well as life. This way you can get more discounts. The more insurance plans you buy from the same company, the more you can save on the monthly bills.

The drivers can save money on their monthly bills through several different ways. You can start doing this by keeping you car in a properly locked garage so that there is no theft. You can also check you car for safety by adding features to it like airbags, and the anti-lock brakes. Insurance companies offer special deductibles for such cars as they are less likely to be damaged in an accident.

You can also attend special courses like defensive-driving course, which is intended to train you for any such accident situations. The course makes you more alert so that you can quickly respond to your surroundings. Besides helping you in saving yours as well as other’s lives, it can also help lower your insurance costs by 10%. Young drivers can get benefited by this plan as they are more prone to getting involved in accidents.

Obviously, the fewer accidents you have on your driving record, the less your premiums will be. Be careful who you let drive your car so there are no accidents. Be sure to pay attention to the road yourself so you have less of a chance of getting into an accident.

Those who are above the age of 55 can get an AARP membership and avail discounts on insurance plans. If you pay your whole year’s bill in advance, then also you can get the discount, but you can do this only if you have enough money with you.

When accessing your premiums the insurance agent depends on factors like your car, you’re driving record, and your age. In some cases it is impossible to change these factors, but you might be able to if you are in the right position. Try getting a car that costs less to repair, and it will result in you paying lower premiums. You can also try getting car insurance put under your spouse’s name instead if they have a cleaner record. The key to getting low premiums is making you less of a liability to the insurance company so that they are more likely to make money.

Graham McKenzie is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading car insurance portal.

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