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Credit: Photo by Joseph C. Sperber | Police in Nassau County and Jericho firefighters responded to a serious car accident at the intersection of Jericho Turnpike and Simpson Street in Jericho at 3:10 pm Monday, September 5, 2011. A female operating a late model Infinity while traveling west bound on Jericho Turnpike seemed to lose control and hit a power pole of LIPA, he snapped to the base. Son fell on Jericho Turnpike causing the roadway to be closed in both directions in the Long Island Expressway.The female casualties suffered serious injuries had to be transported by helicopter to the Nassau County Police Nassau University Medical Center in East Meadow for further processing. The police were investigating the cause of the accident.

Each driver is different, so it will take some homework: If you are motivated and patient, you can not only save money, but you will gain peace of mind knowing that you are more than adequately covered.

Is the Company licensed?

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Not every insurance company is licensed to operate in each state. Typically, you only buy from an authorized insurer in your state so that when a problem occurs, you can count on your state insurance commission to intervene.Sometimes, when car owners buy insurance online, they do so with a provider not in a condition not recognized in their state. This can be problematic. To find out which companies are allowed in your state, please contact the Insurance Commission in your state. The National Association of Insurance Commissioners can refer you to appropriate agency in your state.

USAA offering discount on insurance based on what services you ...

Policy with USAA. They offer a discount on insurance based on what and how many products and services you have with them, therefore, I am thinking about opening a credit card with them (I do not plan on using it).

I currently have an AMEX with a $6,000 limit and currently have a balance of $2000

I also have a Capital One Visa with a $500 limit and have a balance of $300.

My credit score is 705.

I already have 2 other checking accounts (Wachovia & ING) and another higher interest savings with ING, so I don't want any more banking services…and I don't plan on making any major purchases for another year or so (buying a house).

Will it bring my score down considering the new inquiry and new card? Is it worth it to open a card and save a couple bucks on car insurance, or should I just leave it be?

I don't think it will. Your credit score is based on just that, credit, now how many cards you have (by the way, nice credit score.) You won't have much problem taking out loans if you need to. lol You may have to check the minimum (if there is one) to make sure you really want that card. Some you have to pay the minimum just to have it, regardless if you use it or not. I would suggest leaving it be. Not to say another card may affect you in the future, but you may not want another "debt" hanging over you. There's a reason they give discounts to "loyal" customers, to get them to do exactly what you are thinking about doing. Good luck.

Oh, by the way, you may want to check out Amtrust Direct. They offer a little higher interest than ING. Theirs is 3.25%. I wish the feds would stop cutting interest rates. That really hurts savings vehicles.

The new credit card and inquiry probably will not lower your score. Hopefully, you will get a limit in excess of $1,000.

Keep your Capital One balance below $200 for best results.

You don't seem to have any credit issues at present. Good luck!

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