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Car Insurance

A

AgentJean

Banned
I'm currently on my parents policy and am shopping around for my own. I checked with my currently company for a price on my own policy and they want to charge my $600 bucks more than what they are charging me now. WHY? The risk doesn't change from me being on my parents policy to my own. If that's how they wanna play it I'll drop them and go somewhere else. You'd think they'd want to offer me an insentive to stay with them.
 
Your parents probably get a discount because they're insuring multiple cars and people... Plus there's more risk that you'll default on payment, etc... Also, there's a lot of risk involved in general when you're under 25, not married, etc...

Edit: BTW....it's a scam.
 
Insurance Sucks. I'm 19 and have had only 1 speeding ticket but excellent credit. I got that ticket when I was 16, and it's going to haunt me for 3 years, then it goes away. Right now I'm paying about $815 every six months, which compared to the $1200 I was paying, is pretty cheap. Everywhere I checked around at seems to be at about 1100-1200, but once that ticket becomes three years old, they will all drop to about or less than $800.

Yeah, everyone here is going to tell you the same thing: insurance sucks.
 
Originally posted by: EngenZerO
yeah... wait till you hit 25 and have a decent record... thats when your insurance gets better...
Click to expand...

Not according to alot of 25+ yr old I've heard from. Insurance is such a BS scam.
 
It is a scam. If you change insurance companies, be sure your new coverage starts before your old policy expires. A one day lapse in coverage will increase your rates 25%.
 
Originally posted by: AgentJean
I'm currently on my parents policy and am shopping around for my own. I checked with my currently company for a price on my own policy and they want to charge my $600 bucks more than what they are charging me now. WHY? The risk doesn't change from me being on my parents policy to my own. If that's how they wanna play it I'll drop them and go somewhere else. You'd think they'd want to offer me an insentive to stay with them.
Click to expand...
Because, under your parents' policy, you are not the primary driver of the cars. For you to be a primary driver, you have to be on your own policy. You're simply listed currently as an "occasional driver". That's why it's more expensive on your own.

ZV
 
What everyone else said

though interestingly enough, I was able to get a seperate Geico policy cheaper because I had discounts to apply (but they didn't under my parents coverage since I wasn't primary)
things like good grades, defensive driving, membership association, etc...
 
Originally posted by: razor2025
Originally posted by: EngenZerO
yeah... wait till you hit 25 and have a decent record... thats when your insurance gets better...
Click to expand...

Not according to alot of 25+ yr old I've heard from. Insurance is such a BS scam.
Click to expand...

sure? i am getting a great rate on my g35. 120 a month w/ a 250 deduct from state farm. granted i have been using the same agent since i was 16 and my dad has been using the same agent for the past 22 years...
 
my sister learned to drive at 23 (she'd lived in colombia in high school and had a driver, and for college could always bum a ride or walk where she needed to go).

first starting out, her insurance was cheaper than mine by almost half (i was 24 with 8 years of spotless record). it wasn't until i turned 25 that my insurance dropped to slightly lower than hers (suddenly, i'd become twice as good a driver, but was only barely better than her).

after a series of accidents (one of which someone changed lanes into her but the fscking pig faulted her for 'failure to control speed, the last of which totalled out her car) i'm finally a 'better' driver than she is by an appreciable amount.
 
Because they can, and they can because insurance is mandatory. Sure, there is some competition between companies, but that just forces companies to cooperate with each other.
 
With most companies it isnt the age, its the number of years you've been driving. Since many of us start at 16, the average age for the discount is 25.

And yes, girls get much bigger and better hookups than guys, but thats life.

As for the general comments above: Yes. All insurance is a scam. If your state has a policy of avoiding insurance by keeping money in an escrow account, take advantage of it.
 
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