I am having trouble finding low car insurance for my car in florida for less thatn 6,000 for half a year?

Question

i had an accident last year and i was at fault neways i bought a car today but i need insurance to take it out but i was shocked when state farm dint approve me and all the others are charging over 6000 every six months and i want to now what can i do it has to be full cover does any one have any suggestions on what i should do plz!!!!!! also will it be better to go with lake a locar one. i dont want to return the car its an 02 galant

Answer 1

Wow you must be really young or have a bad driving history or both?!?  I would continue to shop around because the quote you got is way too much (I work in Auto Insurance!) You may want to try taking a defensive driving class, most companies give a discount for that. Also try to get higher deductibles; that usually causes you to have a lower premium. Good Luck!

Answer 2

sell the car take loss

park car in garage get thief and fire ins.

buy junker and PL-PD ins.

never buy car untill you get ins. quote

Answer 3

Pal, you must have the worst driving record on the planet. $12K a year for insurance?? Good, Lord! Try Progressive -- it's c**p but I doubt it will be anything near what the Farm will charge you.

Answer 4

Something does not add up here. The fair market value on your car is between $3k - $6k, and your premium is going to be 2 to 4 times what the car is worth every year? You have 2 options.

[1] If you must have that car, you are stuck paying insurance for full coverage at that price range. Not recommended.

[2] Best thing to do is get something you would only need to buy liability coverage for. This should put you in the affordable ranges per month. Don't get into any accidents or tickets so that you can clean up your driving record. In a few years you should be able to have affordable coverages again.

Answer 5

holy craaaap thats a ******* rip. my freind when he was 17 had a mustang gt and had 12 points on his license and like 8 speeding tickets for 30 over but his insurance was $6000 a year and he was 17.What kindof accident were you in? like a 24 car pile up and it was all your fault and your insurance paid for all of it?  So this is a 02 mitsubishi gallant? try calling more companys cause theres alot thats really all you can do.  

Answer 6

I never heard of Auto Insurance that cost over $12,000.00 per year !   If your figure is correct, I would not be driving and If I did drive, it would be a $500. "beater" with only liability coverage.  You should have checked insurance rates before you bought the car, not after. Like, punctuation, spell check