I am 18 years old and just bought a car from tmak, but the thing is, insurance is crazy for an 18 year old. do you guys happen to know of any insurance companies that'll give out decent rates?

preferably below 2K a year...

does it seem impossible? god i hope not.

 

No, unless you get the car under your parents.


-Ted

 

I am 17 and I have State Farm insurance. It is something like $650 every 6 months, or $1300 a year. I drive a 1991 convertible Rex and insuring myself to drive that was CHEAPER than insuring me on a '96 Toyota T100 or a '94 Jeep Grand Cherokee (parents cars)! Maybe they do not know what an RX7 is?

I also get the two 10% discounts that they offer. One for good grades and one for taking Driver's Education.

Kris

 

I just moved 6 miles, from a town of 65000 to a town of 25000. It halved my insurance (850 to 460 - 12 mths). I'm 29, same insurer for 4 years (Nationwide), no tix or accidents.

I was amazed at the difference. I thought it would be more, as my 1-way commute went from 2.4 to 12 miles.

Nationwide has always been cheapest or near cheapest whenever I do my yearly renewal survey.

 

Im paying about 1200 a year.

 

I am only paying like $1300 a year and I have a couple points on my license as well.

 

$924 a year age 27 with no violation in the past 3 years, Allstate after a horrible fallout with Progressive (WORST). and I live in Philly

 

$576/year...'86 Base, 25 years old, clean record, 10% multi-car discount

 

damn i'm paying over 2000 dollars a year for my 90 vert rex
but i also got some pretty bad tickets

 

$856 every 6 months with an accident and a couple (about 3) speedign tickets, and 2 other moving violations (driving past 1 am when I was 17, and not having my contacts in one time) I'm not sure if they added another traffic control violation.

Progressive BTW

: )

 

I tried twice to get a qoute from Progressive and got nothing. I stuck with State Farm (IMO, they are the absolute best) and pay $800/year for full coverage on my TII. I am 24 with no major accidents or tickets recently.

 

I know you can’t directly compare out our costs with US ones, but just to make you jealous I pay ~US$300pa to fully insure my Turbo ‘Vert.

 

if I don't inform the insurance of my tickets how do they find out about them? is there a driving record they look up? because a friend of mine said she paid a really really cheap rate, and that her tickets didn't show up with state farm, because she just didn't tell them about them... is she crazy?


thanks
rocky

i too need insurance

 

Well if you want an upfrotn quote, you will have to try to give them as mcu info as possible. Yes they eventualy look up your record (There is no way i would remember all my tickets.)

BTW soem agencies dont bother to look up your record when its time for a renewal.

Maybe your friend jsut go lucky.

 

The fact that they ask, and appear to take your word for it, means they probably can and do!
So think about this. If you lie to an insurance company (applying or claiming) and they find out, they will cancel your policy, effective immediately. No second chance, you're down the road son. This information then goes on a database accessible by all the other insurance companies. When you apply somewhere else, they'll ask if you've ever had a claim declined or a policy cancelled. If you say yes, they'll decline your application. If you say no, they'll check and find out you've just lied to an insurance company again. They'll then cancel your policy. Do you see where this is going? Basically, if you make one dishonest or fraudulent move with an insurance company, you'll never get insurance for anything again. Ever...
Also, people who lie to insurance companies are one of the reasons insurance is so expensive.

 

my insurance is $850 CDN per year. (thats about 550 USD) its my first car (87 Turbo) and i'm 18.

 

im 18 and have a 91 n/a and pay about 1400 a year.. but then again i have a wreckless driving and 11 points on my license... and thats wit allstate...but that aint nothing in new york it was a lot lot lot lot lot lot more...almost 5 grand

 

Ok, flames off guys.... I wasn't gonna actually do it, just wanted a real opinion.

thanks
guys

rocky

 

Im paying 1900 now... full coverage 2points under parents policy 10% discont for having house on same insurance and 10% for grades

but sence my policy will change next month, we will see how much it changes because i have gotten in an accident this january, wreaked my DIRT cheap 89 Accord LXI (if you ever want a frontwheel car, get one of them, its 135 hp and feels like 180)
and i just got another ticket for speeding, so tahts 7 points ive goten this year..

 

Damn, i pay 3,200 a year. I also have the shittiest coverage they offer too. I am 17, with 1 following too close, and 1 speeding ticket.

 

damns...i just got a quote from allstate for 2300 / year... that is the cheapest insurance i can find. state farm wont give me a quote unless i alreaydy have insurance.

but i'll stick with allstate...the other companies offer me like 3-5K a year. i thought it was crazy. imma ask allstate about the 10% off with good grades. i never heard about that.

 

ya I'm 18 I drive a turbo sports car (TII) and I par 1800 every six months...... my car has full coverage though with all my mods....... I wish I could pay it off...... *sigh*

 

that sux dude...i hate this insurance business.. they rip us off and some wont even insure uus. i mean i understand most 18 year olds feel invincible, but not ALL....gahh...i guess if i was in their shoes id do the same thing to hopeless young poor drivers...

 

try and come to RI (home of corruption) I'm 21 perfect record and pay $380/month ($4500) for "state min ins" from Progressive (one of the few that are cheap in RI) and the coverage is so minumum that if i hit a newer civic i will probribly pay like a mother f*cker...

Ohh yea my car is non-turbo (or so it says by vin# )

 

Progressive has typically been $200-$300 more a year than anyone else every time I get a quote from them.

FC~Crazed you might try Ensurance (www.esurance.com) being brokers rather than a insurance co, they shop around for the best quote.

I have saved a lot of money with them, you might see if they will isure in your area.