#Car Insurance.. Is this normal for a 19yo?

41 messages · Page 1 of 1 (latest)

vapid viper
raven owl
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hell no

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bro just buy a used car for like 5k

hollow kayak
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  • What provider?
  • What state?
  • Any prior accidents?
raven owl
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bmw e36 honda civic or toyota

hollow kayak
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this is for insurance

raven owl
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ohhhhhh

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my b

hollow kayak
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Rates are likely to be higher when you're younger, and any accidents or tickets on your record will also increase your monthly premium

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but I smell bullshit

vapid viper
vapid viper
hollow kayak
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are you being added to an existing insurance plan or getting your own?

vapid viper
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getting my own

hollow kayak
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are you getting state minimum coverage or comprehensive, etc

vapid viper
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minimum

hollow kayak
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your 6 month premium really shouldn't be over 1k to 2k unless you have an expensive vehicle or accidents on your record. varies by state but that's the general range

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have you looked at other insurance providers?

vapid viper
vapid viper
hollow kayak
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given your age and the vehicle choice they probably jacked up your premium assuming you'd be expensive to insure

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shop around at other providers

vapid viper
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i was thinking of getting it under my dad

hollow kayak
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I'm seeing the average for coverage in your state for a year is less than 2k for full coverage

vapid viper
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my brother got a camry and he only pays $250

hollow kayak
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yeah this quote is insane

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let me see if any other places have different ranges for the avg

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not really. definitely try another company

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the cost of your premium will change if you have a loan on the vehicle, so keep that in mind

vapid viper
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gotcha

crude compass
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per month jesus christ

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I thought mine was bad being £2,100 with black box per year lol

stable orchid
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Those numbers are high because you are under 25, by your self, and this is probably your first time with vehicle insurance.

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Having a loan on a vehicle means you have to carry full coverage, that’s it. Doesn’t necessarily mean it’s going to be more expensive. For example, I had a 2012 Nissan Altima with full coverage. In 2021, I purchased a brand new RAV4 and put full coverage since you have to. My rate for the RAV4 was cheaper then the Altima, both at full coverage.

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But in your case, it would be more money. Just figured I’d share some knowledge with you.

silent meteor
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Dawg, per month? I'm 19 and I paid 850 for a 6 month plan, complete full coverage. I would definitely try and get it under your dad's. That's was too much.

haughty epoch
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Trust me

lilac river
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Try a local insurance broker. They can usually hook you up with good prices. There's a reason they are still in business.

wet sleetBOT
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