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A lot plays into your rates, so it's hard to compare.
How old are you? Rates are higher if you're under 25.
Also, how many accidents have you been in?
Have you had tickets or traffic violations?
I have Met Life and they are okay but not awesome, in my opinion. I pay about $650 per year. That's for coverage if anyone hits me or if I hit anyone else.
Now that SO and I are married, we're shopping around for a plan together. I have always used this company simply because it's what my parents use and it was easier to bundle us on one plan when I was younger.
I have State Farm,and I love it. I am biased, because I worked there for 5 years though. I will say, rates are a little higher due to your age. They should have dropped once you turned 21 thoough. I would definitely check around, but a lot of companies now use credit history, so if you don't have good credit (even no credit isn't bad) then you will get higher rates. Its a soft hit on your credit, so it doesn't affect your score
Progressive, for me in Nevada, is the least expensive. In Georgia it was Liberty Mutual, hands down best rate. In New York, State Farm was the cheapest.
While Progressive is the least expensive for me, I don't love it. They keep jacking my rates, like skyrocketing. Why? Because they can. I've played their game a couple of times and taken out a completely new policy, still with them and having the same coverage as the old one, for much less money than it would be to renew the one I had. Hello, whatever happened to rewarding customer loyalty?
Do you have family in the military who are part of USAA? It's a ton cheaper that most of the other companies. My dad is an Iraq war vet but refuses to join USAA because he likes his bank better, meaning he can't pass on the benefits to me. /sigh
I've heard Amica is great, but their rates were crazy for me.
Oh, and I will say, I got rearended by a guy who has Nationwide a few months back, and they were really great to work with. You can look into them as well.
I wouldn't go with Geico or Progressive if you want them to cover your car as well. If you do liability only like you have now, then its fine. But be prepared for the rate they quote you to change once its issued. I heard about that problem a lot, and it was mainly due to the fact that they check credit and driving record after they do a quote, and it usually changes the price
I have State Farm and really like them. They were way less expensive than other places DH and I looked (and we have coverage for both our car and a car we'd potentially hit and we have a low deductable). We also get our renters insurance through State Farm.
Rates do vary on alot of differnt factors.
I have Farmers and LOVE them..... but that probably has more to do with my agent than anything... I pay a little more than some others BUT I just can't bring myself to leave my agent. lol He takes care of me and I know that I can trust that.
DH has State Farm and after dealing with them in 1 accident that my DH had in my car I cannot STAND them! The only reason why we knew what was going on with them was because my insurance kept ME in the loop... he got nothing and heard nothing. And they change their rates sporadically.
Right now it's cheaper for us to stay seperate but I'm hopign to change very soon so we can get everything under my agent and not have to worry about his anymore.
@Aure: I thought you only had to be a family member of military to get an account? So that family member in the military has to have an account as well so you can be eligible?
I'm 22
one car accident but the insurance dropped it so mine wasn't dinged
one ticket but I took a class so it was dropped. Have had warnings though (not sure if that counts)
I have either really good credit or none (I went to get a phone the other day and they said that we didn't have to pay anything down because it looked like our credit was good..and I ALWAYS pay bills early)
I'm in college now but am done this week. I've been getting all A's
@MrsSl82be: Yup. So because my dad is stubborn I can't get good insurance rates. Here's a link to their eligibility page.
I second @Aure My husband and I are USAA members from his grandfather's military service. They have the best rates on insurance - we have all our property insurance with them.
@SweetRose2011: Are you full time in college? If you are, and are at least honor roll, then some companies give a good student discount. I would definitely check that out, because that is a big discount. Also, companies like State Farm have a Safe driver education program (they call it Steer Clear) and if you complete their program, that gives an additional discount.
I strongly advise you to call each individual company for a quote. Do not trust companies like Progressive that give you quotes for other companies. They are not accurate. Ask what all their discount options are,and how much the discount is. Also, you rent right? A lot of times, the renters insurance discount on your auto more than pays for the premium. Renters insurance is insanely cheap, and your stuff isn't covered by a landlords' policy. I know you don't live with your parents, so you should definitely have renters insurance.
@Aure: Oh wow, that's crazy. Sucks too! I woudl tell your dad to open a savings account with the minimum requirement and just leave it there so you can get the insurance!!
That's what I did with SECU. My mom got an account when she worked for the state, so I just opened a savings account with $20 about 10 years ago, and haven't done anything with it. But, it came in super handy when I refied my auto loan from Bank of America!
Wow, I have never paid more than $65 a month for liability only. You should shop around on your own. You don't know who is paying that agent to send you their way!
In Boston ($$$) with a 2-year old car with full coverage, age 22 I still only paid like $105 a month. It went down once I turned 25. I think you are getting ripped off.
Oh wow... I totally missed that you only have liability!
I pay 55/mth for liability (and have since I was 20) and DH paid only 75... and that's with being a 21 y/o MALE!.. it's gone down since changing his maritial status but still 100+ for liablitiy is HUGE.
I would definitley shop around.
Also, just remember, the type of car you have also affects your rates. If it's a new car or a car that has a lot of risk (like a sports car), it will be more costly to insure.
Also, where you live affects your rates. I hear if you live in a city, your rates are higher than someone who lives in a rural area.
You can also lower your rates by upping the deductible you pay.
My sister is an Allstate insurance agent, so I call her all the time for anything insurance related.
@crayfish: You're lucky! I paid $180 per month in NY for liability on a 10 year old Saturn... $75 a month in Atlanta and over $100 a month here in Vegas. My 2007 Jetta costs $175 a month for full coverage here in Vegas and that's the cheapest I've found.
I am in a similar situation. I recently moved and my insurance got jacked up to over $200 a month! And I am 25 with an 8 year old car adn no accidents on record. (That's w/ Liberty Mutual, btw).
I was able to get the rate lowered by calling a lot and bugging about discounts. If you keep calling, they will keep "finding" discounts- federal employee, alumni association, good student, etc etc. Also, take the defensive driving course- It cost $30, and took six hours online (not at once) to complete, but it saved me $150 per year for the next three years. I am assuming that's waht you took to get rid of your ticket, so make sure they know about that. And if you can afford it, raise your deductibles.
My rate's still not where I want it to be so I plan to call with quotes from others. Geico and Progressive quoted me such low rates that I do not trust either company at all but I am gonna try to use them for bargaining power!
Keep in mind that what can effect your rate too is the levels of things you have. I have $1 million in liability, roadside assistance, etc. So of course my rate is going ot be on the higher side. I'm keeping my collision, so that hikes it up too. Also, if things happen to your car, some companies will only pay for pre-used replacement parts, which is crappy in my opinion- it's the cheaper companies that do that.
anyway good luck finding a new one!
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We are so tight on money.
When I moved out of my parents house a few years ago I got my own car insurance. FFIL suggested that I get an agent to find me the cheapest in the area so I did, and I'm paying like $130 a month.
However, it's only coverage for if I hit somone else. I've only ever been in one car accident before (and the insurance pretty much just dropped it and my rates didn't go up) and though I've had one ticket I took a class to have it dropped and haven't had one since.
I feel my rates are pretty high and when I did change car insurance when I moved out of the house I had checked out Progressive and Alstate and big names like that and everything seemed super high.
Any suggestions? Who do you have for car insurance and do love it or do you feel like you are paying through the nose?