Auto insurance question, need help!!?

I have no idea about these questions, could someone explain them? Your neighbor has his own insurance policy with State Farm with the same coverages that you have with your Allstate Auto Policy. So when he says his insurance will cover an accident, you loan him your car. He promptly runs into a tree, causing $2,500 in damage to your car. How much will your insurance policy pay? A. $ 0 B. $ 2,000 C. $ 2,500 D. State Farm will pay E. Cannot be determined You are at the North Carolina coast when Hurricane Irene hits. Although you are able to get away, you have to leave your car and luggage behind. The hurricane blows your car into a tree, causing considerable damage and the trunk to open. Your luggage is then blown away and never recovered. It costs $8,000 to repair your car. The value of your luggage was $500. Your policy will pay: A. $ 7,500 B. $ 7,700 C. $ 8,000 D. $ 8,200 E. $ 8,500 After pumping gas in your new car, you forget to remove the hose from your gas tank. As you drive off, the hose breaks spilling some gasoline and starting a fire. The fire causes $325,000 in damage to the gas station. You are held responsible for the entire loss. Your policy will pay: A. $ 0 B. $ 100,000 C. $ 300,000 D. $ 325,000 E. None of the above Your twelve-year-old brother, who does not have a drivers license, is visiting you on campus and while sitting in your car playing with the transmission, he puts the car in drive and drives it into the front door of your sorority (or fraternity) house. The damage to your house is $22,000 and your car costs $5,500 to repair. Your brother is hurt, goes to the emergency room and is released with a few bandages and a bill for $1,500 Your policy will pay: A. $ 0 B. $ 1,500 C. $ 5,000 D. $ 6,500 E. None of the above

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I'm 23 and car insurance companies want between $300 - $800 for car insurance because I'm not 25 yet. I refuse to pay that much. Is there anything else I can do .

Currently on my parent's auto insurance plan. Can I get motorcycle insurance with a different company without it affecting my current plan?

Auto insurance question, need help!!?

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