Post how much YOU spend on (in a year):?

Post how much YOU spend on (in a year):
1) all house payments (mortgage, insurance, etc.)
2) all car payments (gas, insurance, etc.)
4) loans and debt pertaining to things not affiliated with house or car payments
excuse my numbering please lol

1)$19,050 (going up to $27,600 in a couple months when we move into the new house) + Utilities of roughly $3600/year
2)$12,338+ $2,868 Insurance (Two cars, GREAT insurance limits)
4)Credit cards are paid on a monthly basis for whatever the charges are (Normally in the $1,500-$2,000 range every month)

Others:
Health Insurance $3,420/year
Cell Phones: $2,940

I live in Orange County, Ca. It is one of the more expensive places to live in the country

No matter what exactly are we planning to buy, all of us have a tendency to discover the cheapest possible solution for our requirements. So, the very same applies to purchase Automobile Insurance.

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Can I beat a speeding ticket in New Jersey, the Officer was sloppy on the summons?

i was given a ticket for going 39 ina 25 coming over the bridge from Easton PA to Phillipsburg NJ. I was in a group of traffic, and i was given a ticket. on the ticket, the officer made 3 mistakes.
First, he has my birthday as 1943, i was born in 1963, second he listed my car as a 4 door, it is a 2 door, and 3rd, he put it was dry when it was raining lightly. are these enough grounds for me to get this thrown out, and if so, what tactic should i use.
i know about the $450 ticket plea deal, but im unemployed now for 6 months, haven’t had a ticket in years, and want to keep my record, and insurance clean, as my type of work requires driving, and potential employers will surely look at my record. thanks for any help.

There is no legal requirement to dismiss a ticket due to an error. On the rare occasions I do see one dismissed, it is when the error relates directly to the offense.

Your date of birth, the number of doors, and the weather have no direct relationship to the offense you are charged with, so I doubt the court will consider them.

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Texas Auto Insurance – a Guide to Lowering Your Rates

Auto insurance in Texas can be an expensive business. Below you will find some tips to help you cut down on the costs of Texas auto insurance, but first lets examine some facts concerning auto insurance in Texas.

Mandatory Auto Insurance Coverage in Texas
Like most states, you must have auto insurance in order to drive in Texas. The minimum coverage you must have in the Lone Star State is $20,000 for bodily injury to one person, $40,000 for bodily injury sustained by two or more persons in the same accident and $15,000 for property damage that results from one accident. These are the maximum amounts that the insurance company will pay out in the event of an accident. As any expenses above those amounts will have to be paid by you, you may want to consider increasing the coverage.

Factors That Affect Your Texas Auto Insurance Rates

Credit Rating
Believe it or not, your credit rating does have a direct impact on how much you pay for your auto insurance.
Auto insurance companies factor in a lot of your personal details to arrive at an insurance risk score and various studies have shown that there is a direct correlation between your credit score and the probability that you will file an auto insurance claim. People who pay their bills on time and have a good credit record are considered to be dependable people by the auto insurance companies and therefore good insurance risks.

Raising Your Deductibles
As Auto insurance companies typically raise your next premium by up to 45% if you make a claim, you may want to consider raising your deductibles. A deductible is the amount you would be willing to pay out of your own pocket in the event of an accident before making a claim on your policy. The higher your deductible, the lower your insurance premium.

Your Driving Record
Obviously how good a driver you are will have a great impact on how much you are charged for your auto insurance. The insurance companies are always seeking good insurance risks and if you have a history of making claims, the they will inflate your rates accordingly. Speeding fines and parking tickets all count towards whether or not you are a good driver. On the other hand, if you have a good driving record then it may be worth your while to look for Texas auto insurance companies that offer an “accident forgiveness policy”. The effect of this is that your first claim will not be taken into account when calculating your rate at the time of renewal.

Get Multiple Auto Insurance
If you have more than one vehicle, them take steps to ensure them all with the same auto insurance company. Multi-vehicle discounts can run as high as 25% with some auto insurance companies.

Narrow Your Coverage
You can limit the scope of your coverage to the mandatory liability covereage to drastically reduce your rates, but this may turn out to be a false saving. If you have an accident and are not covered by your insurance then you will have to pay the damages (both to people and property) out of your own pocket and this could run to many thousands of dollars.

Shop Around
Without a doubt, the best way to lower your auto insurance rates is to shop around using the Internet. Getting 5 to 10 quotes online within a few minutes is no problem these days thanks to the many websites that offer these services.

About the Author

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Do car insurance companies consider education/income/occupation in determining the price of a policy?

To add to the ever-growing pile of insurance questions… We all know insurers consider things such as driving records (claims, accidents, tickets, etc…), age, characteristics of the area in which the car is parked/garaged, type of car, credit history (I BELIEVE I have named all of the most salient measures). However, other information is also collected such as your education, income level and occupation. Seems to be quite a lot of excess data for an auto insurance company. So, are any of these ever used in determining the cost?

Different companies consider different factors and give them different weights in calculating premium. Credit record matters to many companies. Usually they are only interested in your occupation if it might affect your risk (someone who delivers newspapers has a different risk than a real estate agent, who has a different risk than a regular commuter, etc.) I’ve never heard education or income being considered, but anything’s possible.