+16 votes
by (780 points)
Anyone an expert in car insurance? My current insurance company is dropping me because in 2017 i slid on ice and scraped my door on a pole and needed it fixed and then in December of 2019 i got into an accident that was about 18k worth of damage. I pay $119 a month right now with a 1, 000 deductible. I have called around to all sorts of insurance companies and they all quote me for $274-$300 a month. i have a 2018 chevy cruze and i lease (my lease is up in August) anyone have suggestions? I cant afford $274-$300 monthly for just me!  
Anyone an expert in car insurance?

16 Answers

+7 votes
by (1.2k points)
 
Best answer
Where do you live? It’s really frustrating to see people saying how much they pay because it doesn’t matter. Insurance is not set based on how many adults drive, what the cars are, etc. it has to do with insurance score, credit score, driving history (claims stay on your record for 5 years! ) and where you live. If you’re in Idaho, Oregon, Arizona, Washington or Montana I’d be happy to help. Just remember, what someone else pays is completely and totally irrelevant.  
by (780 points)
@treblinka4704 Upstate NY!  
by (1.2k points)
Well darn it. I would research and find a local Independent Insurance office and have them help. Even with two claims like that, you should be fine with some companies. It will be more for a while unfortunately. Try to bundle any home, renters, with your auto too. You'll usually get a multi-policy discount. A lot of company have a program that monitor your driving and offer additional discounts. Safeco has Right track, Progressive has snapshot, Travelers has one. Those can help as well. Good luck!  
+6 votes
by (340 points)
Download the root app, it might not be available in your state yet. but i have a 2015 equinox and my insurance is $79/month. my brother uses it too for a 2018 mazda and he’s had wrecks as well he pays about $120/month
+12 votes
by (9.7k points)
Typically because of your accident history, you’re going to have a higher than normal rate. Definitely keep shopping around though. Maybe ask your friends locally who they have too.  
+2 votes
by (6.9k points)
Have you tried Progressive? I don’t know who has the best rates but I’ve heard good things about them. I don’t have a car at the moment, so I’m not a big help. I’ve always had State Farm in the past and that’s who I have renters insurance with now.  
+6 votes
by (1.1k points)
Call Tempra Mosley she is the insurance answer lady!  
0 votes
by (220 points)
Find a broker who can help shop around for you. They will be able to help you find something affordable without sacrificing coverage.  
+7 votes
by (1.4k points)
We have State Farm and it’s $192 a month for 2 vehicles. I was at fault for a bad car accident in 2013 that totaled my vehicle and took down a light pole, and my previous insurance was too high (Mercury). State Farm offers so many driver discounts, it’s worth looking into.  
0 votes
by (10.1k points)
Rates are going to vary by your age, driving history, your location m, by vehicle and by your risk (even credit score affects insurance rates). While we pay less than 100 a month for 2 vehicles combined we are very low risk, with paid off vehicles, in a low risk area. Your best bet is to find a broker and have them check rates for you, many banks offer this service. But that may very well be your rate due to the things I listed above give or take a little.  
+10 votes
by (620 points)
You will need a 3rd party insurance company. I refer a certain company but it depends what state you're in
by (620 points)
When I totaled my car, my rate went from $75 to $175 with Geico. I called around and was getting $300plus quotes. My insurance has me locked in for 3 years until it's off my record. When you get into an at fault accident and your insurance has to pay out more than a certain amount your rate goes up approx 10%, second accident it goes up another approx 30%, third accident is 70%, then you're dropped from insurance. This is typical innocence. Every company does things a bit different though
+8 votes
by (2.2k points)
Unfortunately once a company drops you, you’re considered high risk. Something like the general might be affordable but be aware of the coverage you’re getting, it will be your state minimum
+1 vote
by (7.5k points)
We have progressive. We’ve never paid more than $150/month even when we were younger (we’ve been with them for 10 years, my husband was 21 with a sr22 and I was 18). After the sr22, he got in an at fault accident in 2012 with a semi and they paid our full payout to the driver (which they wanted more but settled for the amount), they never dropped us like I was expecting. Then in 2018 we got side swiped by another vehicle, and they still haven’t dropped us. We now pay $98/month for full coverage on 2 vehicles (2001 F150 and 2012 Altima).  
+14 votes
by (1.3k points)
Insurance agent here; unfortunately until an accident drops off, you’re high risk so you’ll have high rates. But honestly you may have to look into the low budget, terrible customer service, odd billing cycle companies until you can get a lower rate.  
+16 votes
by (9.6k points)
With Safeco for 2 cars we were paying like $250 ish. I have a speeding ticket and accident on my record. I just hit 3 years and the accident fell off my record and our premium dropped $800! Now down to $180 a month. It’s cause of the accidents. And with a lease you have to have a certain level of coverage. The only option would be when your lease is up get a cheaper car and go through someone like The General or something and get a lower level coverage
+6 votes
by (6.9k points)
I have a 2014 Chevy Cruz. I pay every six months. Look at all state. Also I live in the southern tier of NY!  
+9 votes
by (1k points)
You can go online to progressive and put in the coverages that you want.  
by (1.2k points)
As long as you understand and know what the coverages are and how much you need. So many people do that not realizing they don't have enough coverage.  
by (1k points)
@treblinka4704 I thought they'd compare what is on their current policy.  
by (1.2k points)
Let's hope. But not everyone does. They just want the cheapest and then they crash into a $50k GMC Yukon Denali and they have state minimums of $25, 000. Guess where that other $25k comes from? They get sued.  
by (1k points)
@treblinka4704 unfortunately that can happen through an agency too if they say they want the cheapest, or state minimums.  
by (1.2k points)
That's true. That's why you need a good agent :)
+3 votes
by (1k points)
Look into a Dave Ramsey elp insurance provider.  
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