Im 16 i saved 2 years for a car, bought one now cant afford insurance can someone help me? i live in kentucky?

Question

ok like i said i bought a car and im just wanting to be a secondary driver for right now but the cheapest place ive found is 1152 dollars every 6 month... and that is liability... im looking for something about 80-150 a month i dont care about what it offers just the cheapest possable insurance.... whats some small cheap insurance places... ILL TAKE ALL ANSWERS LOL... THANK YOU

Answer 1

There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued.

Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.

The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.

An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!

Since you are only 16, you can't have your own policy since you are too young to sign a contract and an insurance policy IS a contract.

All of the other 16 year old drivers that have preceeded you (and all of those under 21, actually) have basically stacked the deck AGAINST you and statistics show that within 18 months of getting your license, you will probably have a motor vehicle accident - maybe minor, maybe major - but it will happen.

Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!

Good luck, drive RESPONSIBLY and I hope this helps!

Answer 2

Either drive without it or save up some more. i live in toronto, Canada, when i first started driving insurance was 5000 a year.

Your lucky to get it so cheap at your age

I would just risk it and drive without, if the ticket isnt that high, it might be worth it.

Answer 3

You can't afford the car - sell it.   Part of the costs of owning the car, is paying for insurance.  

You can't get a 25 year old's rates when you're 16.  And if the car is TITLED to you, likely you can't be a secondary driver.

Answer 4

yup welcome to w. bush's free market america.  you can't afford anything because corporations are allowed to find any and all ways to s***w you and will do it.

Answer 5

s***w insurance... just dont get in an accident.

Answer 6

well actually the competitiveness of corporations allows the prices to be affordable for, say, safe auto insurance. Try safe auto, or ask your parents for help, or go bargain with your teachers.

Answer 7

Look here: http://insurance-search.zxq.net

There is a links on few sites, just compare bids and choose cheaper.