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Car Insurance Quote Knowledge Base
When getting a car insurance quote, do I disclose a speeding ticket, if I already took traffic school for it? I had a speeding ticket, but the judge lowered my citation to 99mph so I could take traffic school. I am getting an insurance quote from progressive.com and they want me to provide information on tickets I've received in the last 3 years. Do I tell them about my speeding ticket, since traffic school is supposed to prevent a point from being added to my driving record? I've already finished my traffic school and I live in California.
where can i find a basic car insurance quote? i dont want to enter all of my personal information. it doesnt need to be exactly i just want like a basic calculator. i dont mind like the accident info or my car info but not my SS# and address. i just want a estimate. or is there somehow i can do it my self. i have already tried the insurance compnaies online but i dont want to enter all that information i just want a basic quote
I got a car insurance quote from State Farm that? is double that of the quotes I got online (from brokers). Is it better to go with State Farm or one of the cut rate insurance companies? I mean in the event of an accident and getting paid. I also rent a lot of cars and will be using the insurance I buy for those. And, not get the insurance that the rental companies over charge for.
Can some one please clarify the following Churchill assumption for a car insurance quote.? You use the vehicle for social, domestic and pleasure use or for commuting to and from your normal place of work if your occupation is one of the following: Motor Trade, Retired, Housewife/Househusband, Driver, Student and Unemployed. For all other occupations the vehicle may be used in connection with your business or those of your spouse, partner or civil partner (not business partner). Now dose this mean I can drive to from home to the supermarket where I work and back home again and can you put it as spimply as possable please.
trying to get a car insurance quote? I'm trying to get a car insurance quote online and they ask some questions i don't know what they mean like: 1-anti-brakes? (what this means) 2-defensive driver course? (what this means)
have you ever gotten a car insurance quote online in Illinois? how easy was it to get the quote? was the process confusing at all? Did the site explain what coverages you needed and why you needed them? I'm not wanting advise here. I want to hear about your personal experience with getting a quote online. But thanks for repying so far
how can i get a lower car insurance quote? im looking for cheap car insurance. im 16 and i have a 1994 oldsmobile bravda and im trying to get cheap insurance. i have gotten quotes from several insurance companys and wanted to know if there is a way i can make it lower.
Car insurance? Does anyone know of a website where you can find out how your occupation affects your car insurance quote? im a postman and i was just wanting to know what "grade" i was in? cheers
Car Insurance quotes - when you get an online quote and it asks you? how much your car is worth, do you quote the price you paid for it or its present price..? I ask because if you think about it you could have bought your car last year for £12, 000, and one year later it's worth £9,000. If you car is written off it isn't as ther inusrance company will pay out on the amount you paid for the car.. this happened to my brother and they only paid the value it was worth on the day of his crash which was considerably less....
help finding a car insurance quote? I'm doing a project for my economics class where I have to pretend to be a 22 year old living on my own and make a monthly budget for myself. I have to find a car insurance and health insurance quote, but everywhere I search asks for personal information and has to search through my records and credit to give me the right quote. I'm only 17 so they wouldn't find anything on me. I need it for a 22 year old making 27,000 a year. Please help me! 10 points to the best answer :)
can some one help me with a car insurance quote? I am writing a paper, for my english class. I am writing about some of the high priced items in the world today. one area is cars. would any one have a ruff idea of how much it would cost to insure a 2007 Rolls-Royce Phantom for a person that is 27 years old
Does anyone know the cheapest car insurance quote ? Is anyone else in this Insurance mess? theyre Quoting me 566 dollars for most places. can any help me suggest another place that can give me a quote for cheap car insurance? im 19 and im buying a Ford F-150 and have my G2.
Help with Car Insurance quote? Hey there, I just wondered if someone could help me with a query on car insurance. Does anyone know how much I could end up paying for Insurance for a Vauxhall Corsa? I'm 23, and passed my test in January and was thinking off buying a car in a month or 2. Ive tried various sites for insurance quotes but they all ask for your number and I don't want to get hassled. The details of the type of car I'd like is as follows: Transmission: manual Fuel: petrol Engine size: 1.2L Doors: 5 Not much I know but this is the site I got the details from: http://www.arnoldclark.co.uk/detail.html?ac_reg=blk_u31kotjueau0i8uc&$ac_sr=0&$ac_pp=10&$blk=1&$franchiselist=vaux&$model=Corsa&$franchise=vaux&$model=Corsa I realise I probably wont get an exact amount but even an idea of how much I might end up paying a month. Thanks for any help :)
Where to get the cheapest car insurance quote ? I am 19 this month, own a house, and am employed full-time. I also am a full-time student. I got a quote from Allstate a few months ago for 390 dollars / 6 months. I went in today and got a quote from them again and it was 605 dollars / 6 months. But I noticed 50/100 coverage instead of 30/60. What is the cheapest car insurance I can get? I have had no accidents nor tickets. I am looking for a company that will have the lowest rates.
Need to know where to quote car insurance!? I have a teenager and would like to know what website I can use to find insurance quotes for him without giving personal information like my address and name etc. and a car type (he doesn't have a car!). I don't want to call my insurance place or give personal info because I really don't want my insurance premium to go up! Thanks
Car Insurance quote question? When I try and get a quote for some cars on either Tesco or Direct line, it tells me they cant give me a quote online and il need to ring them. Also, the browser wont let me go back, so they make you close the window and type out another quote all over again! Why do they do this? The car I want to insure is a Nissan Navara D22. I am guessing that its because its a commercial vehicle and they want to check if il be using it for commercial use. I am 18 and have had my licence for a year, and I will be the named driver on the policy, my dad being the main driver who has over 30 years NCB! I managed to get a quote for a new Navara, not the D22 version and that was about £1990. How much do you think the D22 will be? Do you think they might class it as a van and not insure me because im under 21?
Do you know where I can get the cheapest car insurance quote ? What is the cheapest car insurance company in NJ for someone who is a first time driver and does not have anyone elses insurance to go off of? I keep getting different quotes, rangeing between 200-400 dollars a month, which is a little bit insane. Are these quotes just accounting for things that I do not really need?
Where can i find the cheapest car insurance quote ? I am 19 this month, own a house, and am employed full-time. I also am a full-time student. I got a quote from Allstate a few months ago for 390 dollars / 6 months. I went in today and got a quote from them again and it was 605 dollars / 6 months. But I noticed 50/100 coverage instead of 30/60. What is the cheapest car insurance I can get? I have had no accidents nor tickets. I am looking for a company that will have the lowest rates.
Why car insurance quote is so expensive? I got quoted by allstate for 1180/6 months for full coverage on a 2010 Toyota Corolla. I am 22 years old and have a pretty clean record, what the heck is going on? Where can I get cheap insurance?
Car insurance quote before buying ? Was thinking about buying a car (first car) just to run around in for a while before I actually buy a better one when im older but want to ask a question. When buying a car, should I get an insurance quote first, then buy ? Or should I just buy a car I like then think about sorting out insurance for it ?
Can some one help me with a car insurance quote? I am writing a paper, for my english class. I am writing about some of the high priced items in the world today. one area is cars. would any one have a ruff idea of how much it would cost to insure a 2009 Rolls-Royce Phantom for a person that is 27 years old
were can i get an car insurance quote for cars PRE 1981? i am thinking of buying either a 1965 mustang a 1969 mustang a 1970 mustang or a 1965-69 lincoln continental... and i wanted to get less expensive insurance quotes.... but all the sites like progressive, independant, allstate only let you insure at lowest 81 any one know a good quote site
Car insurance!? I have recentlly passed my driving test and am over 25, I am looking for a good car insurance quote, the cheaper the better, any suggestions of who i should try? Chaepest so far has been just over a grand, need to get one starting with at least a 9.
Free car insurance quote? What is the best car insurance quotes & rates site to get free car insurance quotes from? Simpler the better!? I was wondering if you guys would be able to shed a little light on the simplest free car insurance quotes sites out there for U.S. citizens specifically?
Can I renew my car insurance for a cheaper quote? Hi, I am a first time driver just under 25 (24 now and will be 25 in march 09) now what I want to know is can I change my insurance when I am 25 for a cheaper quote, even if I pay monthly and will i be penalised for doing so. Also if I get a company car, do I have to pay for the insurance. Thanks everyone, and another thing what if i want to change my car
compare car insurance quote? When using a car insurance comparing website, i typed in my details (dad's policy, me as main driver), and i got a quote from 'More Than' for £615, and when i click on the link it takes me to the 'more than' site where it shows the details as correct and the price as £615. But when go directly to the site (not through the comparison site) and type in my details it comes up as £1100. Why is this? I typed in the exact same details
Car Insurance quotes - Inquries to my credit file? I am planning to buy a used car. So I began checking the insurance quotes online. I gave my personal information like Social etc. Now when I checked my credit file there are inquiries made by some insurance companies. Now my doubt is, will these effect my credit score. I am lot worried because, I have checked too many insurance quotes for the last one week. I doubt it will make my credit score fall. Please help if there is a way to rectify this.
car insurance quote? does anyone know a website that can give me an aprox car quote without having to go through all of the sign up etc process?
If i get a car insurance quote form quinn direct in ire,for an integra 1.8 of any variety i wont get insured? tink dat car is bout 180bhp,yet i can get insured on a bmw 750i (5.4ltr Petrol) (350bhp) car and im only 21, try it yourself,i sed im 21 wit full lic and 2yrs ncb, tink it was 1700e aswell, da micra i had last yr was 2700e. also i can get a quote on a crx vti del sol (160bhp) but not the esi (120),insurance companies haven't got a clue! http://www.quinn-direct.ie/index.html try it on the website if ya dont believe me mate, ya really can, only takes 5mins to fill it in
I started requesting an online CAR INSURANCE quote from PROGRESSIVE.COM....but? They want to collect personal information from consumer reporting agencies, such as driving record, claims, and credit history reports. Is it safe for me to fill out the online form and give Progressive.com (Progressive Direct) the OK it needs in order to collect this information to give me a quote, or is this a possible Phishing expedition that I might regret later on? Thanks My credit history is excellent, as is my driving record clean of any tickets or accidents. I was just concerned about the sharing of my personal info where I might start being contacted by other companies wanting to sell me something. Appreciate everyone's input.
Do car insurance companies know when you receive a moving violation? When you ask for a new car insurance quote from your current or a new provider they always ask the question if you have been involved in an accident or have been pulled over recently etc, etc. My question is, do they already know this info and are they maybe testing me or do they really don't know? I've had two moving violations within the past 5 years and I'm wondering how to answer these questions when I shop for insurance on a new vehicle.
What level of car insurance should I get? The difference in my car insurance quote from the bare minimum ($356.50) to second or third in each category ($1,422.90) is over a thousand dollars. This is for a 6-month quote. I'm a very safe driver and have never been in an accident that is my fault. Someone rear-ended me once but there was only damage to his car. Should I risk going with bare minimum coverage? What do other people out there do? What level of insurance do you guys have?
Free car insurance quote? What is the best car insurance quotes & rates site to get free car insurance quotes from? Simpler the better!? I was wondering if you guys would be able to shed a little light on the simplest free car insurance quotes sites out there for U.S. citizens specifically? http://gusdur.cn/health-insurance.html http://gusdur.cn/health-insurance.html http://gusdur.cn/health-insurance.html
Do you think this a good car insurance quote? I am in the UK and have driven for 3 years. I have always paid around £700-£750 a year for car insurance but after making a claim last year I lost all my 2 years no claims bonus, the new quote for this year went up to £1154, so I shopped around and have now found a quote for £680 which is the cheapest that I will have ever paid so far. Is this possible? It sounds too good to be true or does shopping about really have its benefits afterall. This will be the same fully comp insurance with identical options to what I had before. Does this sound normal to you?
Is this a good car insurance quote? I got a quote from Hanover Insurance for my car. I am a new driver age 16. The car: 1973 Volkswagen Beetle, value $5400 The quote: $435/yr Coverage: Full Deductable: $250 Mileage Restriction: 10K/yr Is this good? I bought the car 2 years ago, and my father has been insuring it since then for $112 a year. I am a male I live in central Connecticut My father's driving record is clean I am an A student
can someone help me with a car insurance quote? okay , I am 35 years old and i have my g2 drivers license . I drive a chevrolet impala(2003) , my daughter who is 17 just received her g1 drivers license and bought a 1997 ACCURA (3.0CL 2 Door Coupe) . I would like to know the quote if i get insurance in my name for both cars and add my daughter as a second drive .
Free car insurance quote? What is the best car insurance quotes & rates site to get free car insurance quotes from? Simpler the better!? I was wondering if you guys would be able to shed a little light on the simplest free car insurance quotes sites out there for U.S. citizens specifically?
Is this a good car insurance quote for a new driver? I am a 16 year old male living in the heavily populated upper middle class suburbs of central Hartford County CT. I just got an insurance quote, and I want to know if it is good. The car- 1973 Volkswagen Beetle, completely stock, 90% original, great condition, was recently offered $5500 at a car show. Coverage- You name it, it's there Mileage Cap- 10K Deductable- $250 Quote- $372/yr ($31/mo) Is this good for a 16 year old male new driver? I know my father, who has been driving for 45 years and has a clean driving record, is paying $650/yr for his beater take-to-Home-Depot-and-get-a-bag-of... car, a 1996 Ford Explorer with the exact same coverage, so I am guessing my quote is pretty good. Some car specs: -Horsepower- 46 -Lbft Torque- 72 -Weight- 1830lbs -Displacement- 1594cc -Transmission- 4spd manual -Top Speed- 81mph -Does not have: power steering, power brakes, airbags What do you guys think of $372 a year for a new driver with a 73 Volkswagen?
Why does the engine size of a car make so much difference in car insurance quotes? How is it that cars with bigger engines are much more expensive to insure? Surely a 1.0 litre car and a 2.5 V6 car both travelling at 70MPH for example will cause the same amount of damage (albeit the car that weighs more may have more momentum). I can't seem to work out the other side of this arguement. Is there anyone who could explain the difference please? Thank You! 10 points for best answer.
Car insurance quote - why so much cheaper if I were married? A friend told me that car insurance premiums are cheaper for married women than for divorced. I just ran a dummy quote for a married woman from my current provider and it came out 30 quid cheaper than I'm paying as a divorced person. I made sure all the details were exactly the same, and selected myself as the sole driver, so the only thing I changed was my marital status. What's the story with that? If I were still married and driving my own car, why should I pay less than I do now I'm rid of my cheating conniving ex?! I've had my own policy for the last 8 years so it's not as if I've been driving on his. It annoys me that even though I drive in exactly the same way as I did before (maybe even more carefully seeing as I now drive my own car instead of a shared one), I have to pay more.
car insurance quote help? i have to do a project for school and i have to tell how much it would be for car insurance, about how much would it be to add on to my parents?
were can i get an car insurance quote for cars PRE 1981? i am thinking of buying either a 1965 mustang a 1969 mustang a 1970 mustang or a 1965-69 lincoln continental... and i wanted to get less expensive insurance quotes.... but all the sites like progressive, independant, allstate only let you insure at lowest 81 any one know a good quote site
Why is my credit ratingscore brought down for getting car insurance quotes? I'm trying to get auto and renter's insurance and I do not understand why my credit score is brought down because of this. Can't they tell I'm not our trying to get several credit cards or lines of credit or loans? How can this be dealt with and changed or stopped? If this is going to happen, how will my credit look in two years when I am ready to buy a newer vehicle?
Need help with a question about car insurance quotes.? Is it legal for someone else to get an insurance quote for you without your permission? The person called and told the insurance company they were cars he was thinking of buying. Neither car is in his name and neither owner gave express permission for him to ask for this information.
UK Car Insurance Quote? Firstly I'd like to say that I am from the UK so any help from people who know policies etc from the UK would be greatly appreciated! Secondly, before anyone calls me an A*S for being so stupid, I know that having over 5 driving convictions at 22 is ridiculous but believe me I have learned from my mistakes. OK, so when I was younger I managed to get myself into trouble a few times with driving. The first occurred in 2004 and I am aware that this should be forgotten about (at least by the insurers) this year. In total I have 8 convictions for various things, the worst of which is drink driving in 2007. Now my question is: On price comparison websites such as money supermarket/ confused.com etc I am asked to input my 5 most recent convictions. Obviously my driving record will be completely different and to be honest if I was going to be providing insurance for a driver I would not even look at someone with 8 convictions. Will the quote that I got on the site be different after my details are passed from the comparison website to the provider? will the provider look at my record and adjust it/ deny it after seeing that I have 3 additional convictions? Cheers for your time and understanding.
Car Insurance: What are premiums, legal fees and voluntary excess? I have been trying to get car insurance quotes online but I dont understand what the above terms mean Also if my road tax (UK) is not due for renewal till thursday can i buy it today? Will they adjust the date for me. Any help will be appreciated Thank you for your time
I need a quote for car insurance? I have full no claims discount and I am looking to better the price on my insurance fully comp with legal and screen cover 54 vauxhall astra
Looking For Cheaper Car Insurance Quotes? I am trying to beat my best quote so far and I wanted to ask if anyone knew of anyone I could try or some brokers who could get the price down a bit for me. Here are my circumstances. 18 years old Full licence for 9 months 0 NCB Live in east sussex no claims or convictions car is kept in a locked garage looking for upto 4000 annual mileage will be using car for pleasure and commuting My car is an Renault megane coupe 1.6e sport My best quote so far I got from moneysupermarket which is £1560 and that was from swinton. I just wanted to ask If their was anyone I could try, like good brokers who might be able to get that quote down a bit. I am really looking at no more than £1400 . It doesn't matter how big or small they are I will give anyone a try. I have tried most of the major companies but none of them come close to my best quote so far. Also is it worth putting my best quote down when filling in online forms. Does it make any difference?
Is this a good car insurance quote? $2330 for 6 months 2 cars will be insured a new one and an old one one driver under 25 and one over 55 clean record feedback needed thanks :]
Car Insurance Quote Guess? It is for a project at school, not a real car i need a web site that doesnt ask me to put in all of my information and still be able to get a quote please&thanks :D
car insurance quote? i want to go ahead with a car insurance company and i got a yearly quote online with them,as i want to pay direct debit monthly i phoned up to see what the monthly amount was with interest charged. i just want to check that this is accurate. the yearly amount quoted was £353.95 making it £29.50 per month . they charge 8.5% interest on any direct debit or credit card payment adding the 8/5% interest they then caluclated my monthly amount to be £34.81 yet it thought that :- 8.5/100 * 353.95 = £30.09 interest 353.95 + 30.09 = £384.04 total to pay £384.04 / 12 = £32 per month is this right? i know its only £35 per month, obviously im looking for the cheapest deal possible! but i just wondered why it was a different amount? help??? ta x
Car insurance quote? I am a 17 year old boy in Texas I just bought a white 1999 Pontiac Grand Am GT 2 door Paid with Cash I've never had a ticket or anything on my record Does anyone know about how much my insurance will run?
Car insurance? I am looking to get a used car soon and i have been looking at insurance quotes, but i had a accident 6 months ago and this kicks my quotes up by about £1000 -£1500,(its around £700 if i dont put the accident down) Im only really after third party fire and theft as the car is used and only vauled at around £400 odd, Is there any way of getting a cheep quote or will i be stuck in the £2000 zone for a few years
car insurance? i am looking for a decent quote for car insurance, my daughter passed her test in march and we would love to have her on our insurance but theyare asking for so much , i cannot afford it, i have a peugeot 307 o3 , my quote is £1214.85. she is going to UNI in October and really wont be using tthe car any way. any sugggestions would be really appreciated, now and again she would be using the car and she is so good , cannot afford to buy her a car of her own and the insurance would be too much anyway??
car insurance? i live in northern ireland , just got a really good quote for car insurance from a company called endsleigh, i have never heard of them does anyone know if this is a good reliable company
Car insurance? I am trying to get a quote for car insurance, but am a bit stuck. I got my South African licence in 2002 and exchanged it for my UK one October last year. When they ask you how long you have held your licence....do I say 5 years or less than 1 year. Does the South African one count....I really hope so. We drive on the same side of the road and everything. Thanks
car insurance...? When you get a quote online for car insurance you get asked so many question like deductible, collision... etc etc.. so many numbers to choose from.. Can anyone explain them to me? i'm just used to liability or full coverage.. right now i have liability on my car and i pay 135 a month. When i got a quote from allstate it turned out to be only 38 a month??? i'm sure i didn't pick the right numbers....
Car insurance quotes? Is there any place to get a car insurance quote without entering in a bunch of personal information? I am looking for quotes for a sedan, coupe, and SUV for a new 16 year old male driver. (Im trying to decide what a good deal is, and what is worth buying)
car insurance? lets say a 21 year old person goes to a car insurance company and is quoted $2000 for full coverage auto insurance. how much do you think this person will be charged at the same company at 25 years old?
Car insurance quotes websites, all different??? I have been searching car insurance multi websites, gocompare.com, moneysupermarket.com etc etc. I have noticed that the quotes for the same car, same situations are all different on different websites for the same companies?? how can this be?? ok, but norwich union was £473 on confused, £462 on gocompare and then,,, wait for it,,, £509 on their own website its madness!!!
car insurance quotes? where can i find and compare car insurance quotes online, without having to give my phone number?
Car Insurance.. FInd Me a Quote challenge? Hello everyone, i am not having much luck finding a resonable quote for a young driver on the internet, i was wondering if anyone would like to do me a quote or suggest a good company. if you would like to do me a quote the basic details are below. car: Ford Puma 1.4 2001 Drivers: Male aged 48 with 2 years no claims Male aged 20 as second driver, altho ide like it alot if sombody could find me my own quote on the car, but i only have no claims on the other policy for 2 years. adress: L9 6BQ liverpol, England cars kept in driveway, has alarm and immobiliser. no1 has points and no accidents. all other details (name, excess, house number etc etc) dont really matter for a quote, and wouldnt be good to give them out, so make your own up lol. i know this is a totaly novel way of finding a quote, so im hoping sombody would make my day and get me a nice one, best ive had sofar is with ensdliegh for £1700 (supid i know). thanks all there snt any personably identifyable information about me on this , im not stupid. you dont have my full adress, hose number or even the name of my road.. only the make of my car and my postcode.. everyone has just moaned i thought one person would of gotton me a quote lol .
where can i get the best car insurances quote? i am a 25 years old new driver and i just bought a new scion xd do you guys think how much will the car insurance is going to be? do you guys think 2.5k-3k a year is the way too high? i checked geico and Allstate the online quote and it shocked any good advice? i don't have anyone to co-sign with i am in CT so thats the best price i can get? i am a brand new driver
Car insurance question plz help? Are their any problems with requesting a free car insurance quote from progressive.com? Will they start sending me all kinds of crap in the mail and will it hurt me in any way?
Car Insurance? Ok so my Car Insurance is due 9th Feb, ive had my quote through from Direct Line and I wanna stick with them... Thing is though, Im waiting to start receving incapacity benefit as i am really unwell and unable to work at the minute..so i cant afford it until my benefit starts coming through My car is taxed until June My question is, can i cancel my insurance and keep the car parked outside my house, but obviosuly not drive it, until i can get the insurance OR do I have to inform DVLA and declare my car as off the road?? Many thanks! xxx
No claims discount on car insurance? I've been driving in the UK for 13 years and never had a crash or made a claim on my car insurance. However, my wife has had three accidents, all of which have resulted in claims against our joint policy. I have now separated from her (not as a result of the accidents!) and want to buy a car of my own. When I look for car insurance quotes, can I state that I've had 13 years of no claims or do I have to take into account her 3 claims because they were made against a joint policy?
car insurance quotes?? i have no idea how to read my insurance quotes from Esurance.. Why doesn't it just say liability, or full coverage..? i don't even know which one i'm paying now!? How do i read it?
E Car Insurance - Anyone know this company? UK? I am a first time driver and just bought my first car, i have been looking on the net for Insurance Quotes and came across a site called E Car Insurance. The quote i got from them seems unbelievable. It is at least £400-£500 cheaper than anyone else i have been quoted from. I just wonder whether this company is legit and if anyone has their insurance already with them. It just seems too good to be true!
Car insurance? My auto insurance has expired and I'm kinda looking for a new car insurance. I can extend the previous car insurance, but I just want to know about other car insurances as well so that I can make a good choice. I took a look at many car insurance company websites, but it seemed like I need to put all my personal information (not only about my car and my email address but also my home address, phone# etc) to get a quote. I'm worried that maybe they would send me all kinds of junk mail kinda stuff to my house if I put my address on the form to get a quote. Do you know any good ways of getting a quote without telling them my personal info? Any recommendation which car insurance company is good? Btw I've never got into any car accidents so I just need a cheap auto insurance. I drive '83 caddi.
Car Insurance? i live in queens, ny just got my drivers license 2 years ago at age 39. I've looked at car insurance and the rates are so high - one company gave me a quote of over $1000 a month, this was for a used car not even new. I looked at older car models and the insurance payments would actually exceed the cost of the car. does anyone have any suggestions besides moving out of new york state?
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