why is NJ car insurance highest in US?
89043
because people in nj don't know how to drive, they have the worst driving records.
330758
You may want to do more research on your insurance company before choosing it.  Some are a lot more reputable than others.
905013
The blanket answer is:  It all depends on where you live.  I'll use myself as an example:  I live in the Detroit area, so car insurance is going to be more expensive than for someone who lives in a more rural area, but other products and services will usually be less expensive because of competition.  So let's go through your list:\n\nYou can buy a basic TiVo around here for around $150.00 if you get it on sale, but many of the cable companies and satellite companies offer free DVRs if you sign up for a year.  Basic cable in this area runs about $45.00 a month, and you can get DirecTV for as low as $19.95 per month (plus taxes and fees) if you sign up for a year.\n\nIn terms of cars, it really depends on what you want (new or used), your credit history, and how much money you have as a down-payment.  Right now they're offering a 39-month lease on a fairly-well equipped Ford Focus for $129.00 a month and about $1,700.00 due at signing.  That's pretty darned cheap for a new car that has been ranked highly in the reliability department.\n\nYou can get Yahoo DSL in some areas of Detroit for $14.95 a month if you sign up for a year.  I have cable-modem service in my home, and it started at $19.99 per month for the first six months -- now it's $27.95 per month.\n\nAuto insurance costs vary.  Rates are higher in big cities, younger drivers pay more, and newer cars cost more to insure, especially if you didn't pay cash for the car (you would have to have full collision coverage on a car that's financed).  I have full coverage on my wife's 2004 Ford Explorer and partial collision on my 2001 Pontiac Grand Prix GT.  I'm insured through USAA, which is the absolute least expensive you'll find, and it costs me about $900.00 a year to insure both vehicles.  With any other insurance company it would cost at least $1,500.00 a year.\n\nMy homeowner's insurance is also through USAA, and my house is covered for $250,000.00 to cover the cost of the house and everything in it.  It costs me $620.00 a year.  And yes, there is insurance for apartments -- it's called renter's insurance.  When I lived in an apartment it cost about $180.00 a year through USAA.  Bear in mind that no insurance company can beat USAA's rates, so ball-park for renter's insurance would be $300.00 a year and homeowner's insurance would be more like $1,000.00 a year.\n\nDoes that help?
283393
it all depends on you and your driving record.\n\ni had esurance for my 2001 bmw 325ci and it was about $200/mo\n\nthen i switched to geico and now it's $150/mo.\n\nalso, i had progressive for a previous vehicle and i liked them alot, but they're expensive in most cases.\n\nso shop around and get quotes. good luck!
188712
Every state has an Insurance Commissioner who oversees the insurance industry.  Contact them with the details, including photocopies of any written proof you have available.  There may have been a law passed that requires them to add some tax or something.  But it does not sound fair the way you describe it, no.  Was there some change in the circumstances, such as a person who is covered who had an accident or was arrested, which put them in a higher risk category?
235247
http://www.njea.org/\n\nSixty-three percent of New Jersey’s public schools have achieved starting salaries at or above $40,000 since the inception of the “$40K-Right Away” campaign. Not to be outdone, Summit Education Association in Union County has joined Westfield Education Association in achieving a starting salary above $50,000 in 2007-08, setting the stage for a new goal: “50K-The First Day.”
180461
You are betting you will need it they are betting you will not. It appears the insurance company's are winning. Plus they can not lose for when they start to lose the government just allows then to raise the rates.
743789
The other answerers are right about being more specific with your question. Do you mean life, health, auto, or another kind of insurance? Do you mean by revenue, by market share, by customers, or by employees? Do you mean in the US or globally?\n\nHere are the top 10 life insurers in the US by revenue:\n\n1.MetLife\n2.Prudential\n3.New York Life\n4.TIAA-CREF\n5.Mass Mutual\n6.Northwestern Mutual\n7.AFLAC\n8.Unum Provident\n9.Guardian Life of America\n10.Principal Financial\n\n\nHere are the 10 largest (public) insurers in the US by market value:\n\n1.AIG \n2.MetLife\n3.Prudential\n4.Allstate\n5.Hartford Financial Services\n6.St. Paul’s Travelers\n7.AFLAC\n8.Loews\n9.Chubb\n10.Genworth Financial\n\n\nHere are the 10 largest (public) insurers in the world by market value:\n\n1.AIG (US)\n2.AXA Group (France)\n3.Allianz Worldwide (Germany)\n4.MetLife (US)\n5.Generali Group (Italy)\n6.Zurich Financial Services (Switzerland)\n7.Prudential (US)\n8.Aviva (UK)\n9.Munich Re (Germany)\n10.Manulife Financial (Canada)\n\nHope this helps,\nBarnes@MostChoice\nhttp://www.mostchoice.com/life-insurance.cfm\n\nSources\nInsurance Institute of America\nhttp://www.iii.org/individuals/life/facts/largest/\nForbes Top 2000\nhttp://www.forbes.com/2006/03/29/06f2k_worlds-largest-public-companies_land.html
467916
An umbrella policy gives you extra liability protection over and above your personal auto policy and your homeowners policy.  There usually sold starting at $1,000,000 of coverage.\n\nIn today's "let's sue everyone" society, it's a good thing to have.  It's helps protect your assets and someone from attaching your paycheck.
215157
Well I work for an insurance company and the only honest answer is that there are so many factors that go into insurance rates that there is no hard and fast answer.  First off every state regulates insurance differently and every company that operates in a state has to have policies and procedures for rating policies that comply with state insurance commissions.  Next each company, after complying with state laws and regulations, has its own rating system.  When a driver on a policy is "at-fault," the potential for a rate increase exists.  On the other hand policies can be rated on the actual drivers who are being insured and thus if a driver who might be a bad risk was no longer a policy driver (in this case due to death) then that might not change the rating.  Hope this helps
335711
NJ is New Jersey which would be in the USA.  It's near Hackensack NJ, and New York NY.
656251
You may have a hard time determining the mean salary for a lawyer in this specialty.  Generally, earnings are broken by criminal, civil, and corporate, then categorized by type of employer (government, private, firm), and again broken by size of firm.  \n\nHowever, insurance law is in high demand, and, depending on the factors above, can bring in some great compensation.  For example, a large corporation/firm with a specialty of health care insurance, in a large city (i.e. Chicago), will bring a high six, possibily seven figure income.
1102130
Depends on where you live.  Overall the standard is among the highest.
152217
GAP insurance is an insurance for cars that have a loan on them that is much higher than the value of the car.  So if you get in a wreck and the car is totalled, the GAP insurance covers what regular insurance won't.  I think it is worth it if you are taking out a high loan on a later model car.
1067151
Medical insurance costs a lot because of multiple factors.  Medical costs are steadily rising because our population is aging, our population is getting increasingly unhealthy (obesity crisis).  This results in increasing usage of medical services.\nThe medical infrastructure costs a staggering and increasing amount of money to run.  Hospital costs are going up.  Doctors salaries are increasing. \nMedical malpractice lawsuits and related insurance costs are going up.  So, doctors and hospitals demand more for their services to cover these additional costs. \nFinally, through it all the ultimate customer (the patient) never really sees a bill or the direct costs of the medical services he incurs.  So, the health care industry has virtually no pricing mechanism that would find an equilibrium between supply and demand as in all other industries. \n\nAlso, as you mentioned there is a lot of scamming going on.  Additionally, Medicare and Medicaid government programs don't pay the private sector for the full costs of the medical services it purchases or reimburses.  So, there is a lot of cost shifting by hospitals and doctors from Medicare and Medicaid to the private sector. \n\nSo, there are a lot of interesting underlying complex issues involved here.  \n\nIf you want me to clarify any of the above send me an email through "Answer" and I will edit my response accordingly.
947658
Hi, my name is Eunice Saunders and I am an Insurance Agent. Most insurance companies go by the blue book value and it sounds like your car is totaled to me. They will send an Adjuster to look at the damages and he will access the damages and advise the insurance company as to the best way to handle your claim.......remember their title is "adjuster" which means they adjust.......so if you do not agree with their assessment then argue with them.....remember also that the adjuster works for the insurance company and has the best interest of the company and all other policy holders....he does not work for you...although he will want you to think that your best interest is being served...so you look out for your best interest which is to either get your car fixed or get enough money from the deal to bring you back to a financial condition that is comparable to the condition you were in before your car rolled down the drive. So if they give you blue book value you can pay off the loan you owe and buy another vehicle........remember you can not gain from insurance.....meaning you will never get more than what you had to start with. Good Luck! Eunice
213101
They don't offer it because it's so expensive. Call around and get prices. Start with Blue Cross and Blue Shield. Do you have auto or homeowner's insurance? If so, call them, maybe you can get a discount.