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Posted: Sun Mar 25, 2007 12:01 pm Subject: Need advice on car insurance

Does anyone know good car insurance agencies that won't charge me crazy monthly payments. I am 21.....going to be 22 on monday and have one speeding ticket which was a year and a half ago. I'll need full coverage. If anyone knows of any let me know. So far progressive has been the cheapest but I wanted to get some advice from others before I made any final decisions. Thanks in advance!

Posted: Sun Mar 25, 2007 12:05 pm Subject:

I haven't dealt with car insurance myself in awhile, but in the past I dealt with 21st Century and they were okay for me anyway. My daughter and here husband are younger like you and they deal through "esurance" and he has had a couple of tickets. Maybe someone else will post and offer another solution.

Posted: Sun Mar 25, 2007 12:06 pm Subject:

My point though Kim was that I haven't heard them complaining about it, so maybe it is an okay one. Can't hurt to check it out.

Posted: Sun Mar 25, 2007 12:13 pm Subject:

I just checked it out for the car I was looking into financing......... I don't know if I did something wrong but it says it will be 757 / month. I don't think I can afford something that's like 7 times my car payment for one month! lol. I'll have to go back and recalculate that one... haha

Posted: Sun Mar 25, 2007 1:20 pm Subject:

Kim,
You got any kin that are tied into the bigger insurance companies?

Posted: Sun Mar 25, 2007 1:50 pm Subject:

Hi Kim - if I remember correctly, you're in Michigan, right? I am too, and I'm going through Fremont Insurance. They're a Michigan-based company, coverage quotes are available at most Independent Insurance Agencies (which is not a company or agency name - it's an affiliation which means they don't represent just one company, but many, which gives you better choices for coverage). I was with Progressive when I started investigating other companies because Progressive wouldn't offer the coverage I needed for my conversion van - Fremont not only offered the coverage, but at $400 less per policy term than Progressive.

Posted: Sun Mar 25, 2007 1:52 pm Subject:

Oh, and Kim, just a note. Don't ever try to drive without insurance in Michigan. They arrest people for that here. No warning, no ticket and drive away - they arrest them, fingerprint them, and they have to pay bail before they are released. And the fines are pretty substantial.

And just an extra note - happy birthday on Monday! Very Happy

Posted: Sun Mar 25, 2007 3:26 pm Subject:

Kim- SueBee is right, sometimes if you go through a stat based company, like a Michigan based one, it's cheaper. We have Allstate, and for 5 drivers4 cars, and a son that was underage, one that was unmarried, and 2 full coverage-it was 200 something a month. It's not that much now because my youngest is off the policy. Sometimes if you take a safe driving course, make good grades, etc, they give discounts..Good Luck..KAren

Posted: Sun Mar 25, 2007 3:33 pm Subject:

I'm not in school right now so I don't get the good student discount that has been on many of the policies. For a lot of the insurance quotes i'm getting from ones online its like 300-700 a month for the quotes which is outrageous. I'm almost thinking I'll have to go with the 300/month one and then switch later if I find a cheaper one. But I will look into Michigan based insurance companies. I looked into the one that I used to have but they quoted me at like 450/month. I will try others though. Thanks for all your help and birthday wishes:)

Posted: Sun Mar 25, 2007 4:22 pm Subject:

Most definately, shop around. The insurance company I have used for years just jacked up my policy for taking off my car and putting on the one I just bought. Wanted to charge me $65 for the switch and RAISE my premium, mind you the coverage stays the same as the other car. I call Allstate, quoted me a SIGNIFICANT lower premium and SIGNIFICANT lower down payment, I can't wait to cancel my policy at the end of the month and start with AllState (whose policy which is lower each month and providing me better coverage). I guess what I am saying is you are wise to shop around.

Posted: Sun Mar 25, 2007 4:23 pm Subject:

One other issue which is going to cause you to pay a much higher premium is your age. You will see your monthly premiums go down once you reach the age of 25.

Posted: Sun Mar 25, 2007 4:45 pm Subject:

Oh I have been for a few weeks..... but tomorrow is the day I go in to sign for my car so I have to get the insurance by then IF I do get the car after all... that's why I'm wanting even more. I think I've already had like 20 quotes and like you said because of my age they are all outrageous but I guess I just have to deal with it for a few years. It doesn't help that I do have a ticket from almost two years ago that still is haunting me as well.

Posted: Sun Mar 25, 2007 4:48 pm Subject:

You are hit with a double whammy, a ticket and age. Can you be put on your parents' policy? Or is that even an option?

Posted: Sun Mar 25, 2007 4:51 pm Subject:

Nope, I wish I could. I was on there policy before but since I'm not in school anymore I can't be put on there anymore. I'm on my own now lol.

Posted: Sun Mar 25, 2007 5:00 pm Subject:

Kim, where are you in Michigan?

I'm in Holland, and there's a really good west Mich company in the Holland/Zeeland/Grand Rapids area called Wolverine. My husband had careless driving, and they gave him great rates, a lot cheaper than Progressive.

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