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Car Insurance
GiantRobo
Registered User regular
Registered User regular
I am looking around at car insurance, but all of the places I've gone so far want $300-$500 a month, I expected it to be high since I'm a new driver but not this high. Does anyone know of any companies that will give me a good rate? It's hard to find something reasonable because I need full coverage. 
Places I've tried so far:
Geico
Progressive
Travellers
Esurance
Safe Auto
Places I've tried so far:
Geico
Progressive
Travellers
Esurance
Safe Auto
GiantRobo on
0
Posts
I drive a '03 mustang that has absolutely everything covered and mine is like $95/month. I'm 24, and I don't think my coverage will drop until next year and then it goes down hard (males<25 = shafted)
See how many books I've read so far in 2010
'96 Jetta Trek edition. I knew it was going to be high since I'm only 18 and a first time driver, but goddamn I didn't think it was gonna be this high. Oh, and I'm in PA.
His sounds ridiculous, but yours sounds way too low. My brother is 28, is ex-military, and is on USAA's really damn good insurance policy for 75 a month. I just turned 25, but mine was I think about 200. I'm going to be expecting about 140-150.
Edit: That's semi-annual.
I thought Phoenix was the only place where rates were ridiculous, and this was in 2002. Since then my rates have dropped down to about 100 a month (24 now).
So I guess this is more of "Yeah, it'll suck for a while, but uh, it'll get better"? >_>
Are you sure that's monthly?
Almost all insurances (car, home, etc) are bi-yearly.
I'm paying $1500 yearly for high coverage from AllState for an 05 Corolla.
I'm a 22 year old male, driving for two years, with a 2001 1/2 ton chevy silverado, also in PA. I'm only paying around $150.00 a month with geico.
To the OP, as others have said, that's gotta be bi-yearly or yearly on a car of that type and age. Call up and double check or just do it online as they should make it fairly clear there.
What are you getting as far as coverage goes with that? Legal minimum? Collision? Uninsured driver's coverage? What's your driving record like?
Also, talk to an honest-to-god insurance agent, like, State Farm or something, see if s/he can tell you why it's so expensive.
Wow. Sorry, man.
Are you getting insurace for anything else? rent, etc?
Can you get it though your parents or anything and just pay them?
Or even try to get it though whatever company they're using: just like the cable co, you get something off if you have an existing policy(ies) with them. My car went down when I got a condo policy, for example.
Sitting down with an insurance agent will probably be easier, though.
If you have a costco membership, check out the insurance they offer. It is through Ameriprise and it is what I use. I used to have USAA, which is typically as cheap as you can get anywhere, but Ameriprise was able to beat them by about 40%. I'm only paying about $600/6 months for two drivers (with an accident and a couple tickets between us) on two cars with comprehensive coverage. Even if you aren't a costco member, it would probably be worth the $50/year membership fee to join just for the cheap insurance. And their delicious rotessiere chickens.
Car in good shape? Clean record (maintenance, etc) on the car?
Types of coverage (comprehensive, collision and liability, etc)
Amounts of coverage ($XXX collision, $XXXX comprehensive, etc)
Deductible
I'll be seeing my father tomorrow and I'll see if I can get him to either ballpark a reason for your huge premium or give you some suggestions on how to lessen it. I just need more info about you and what your insurance needs are.
Edit: Is it possible to put the car in your parents name? Even if you're the primary driver, being on their insurance will cut your cost way down.
Still, those rates are crazy high. O_o
I forgot to mention that in my post. My insurance is in my name but mine and my dads name are both on the title to my truck. I cant recall how much it effected the cost but i know having his name on the title help with my insurance rates.
Go to the actual office and ask. There's something going on, and if your driving record is to blame, they can tell you that.
Also, don't even think about esurance.
$500 a month with no previous driving record is just cah-ray-zee. I pay $125 a month on a POS '99 GMC Sonoma for full coverage in IN and I've got a pretty crappy driving history @ 24yrs.
Also, comparing your quote to that of anyone over 20 isn't really a fair comparison. You will be rated considerably higher due to your age, regardless of your driving record or lack thereof.