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@faithful_jim You're inexperienced to an insurance carrier for a few more years. Rates in Queens NY are expensive. You can google "independent insurance agent NY" and call a fee of them.

@faithful_jim You don't mention where you live. Insurance is expensive. Insurance for a 20 year old is expensive because 1. You don't have current insurance. 2. You're a young, inexperienced driver. 3. The type of vehicle and age affect rates. Newer or larger vehicles are more expensive to...

@lollypopno1 All you can do is shop around, but many carriers won't insure your vehicle.

@amandabroken Potentially. We don't have their underwriting criteria, but you may be able to review it on the department of insurance website for your state.

@tass Perfect! Good luck!

@tass Shop around. We can not do that for you, but the older you are when you apply, the more expensive the coverage is. The older you are, the higher chances are for that heart murmur to mean something. You're also looking to double your coverage. Rates have changed. Life expectancies have...

@maxkim Additional insured does not give them insurance coverage. See this article for an explanation...

@peinopela Me. I'm an agent, but that is because I kept my license, but I don't use it.

@katmack It sounds like you're asking if we know when you'll die (or become disabled to the point that no carrier will sell you a policy) so you can decide when you need to purchase a policy.

@adonai1 Yes, they're allowed to correct rating errors. And, yes, I agree that it was lucky they didn't backdate the error.