Insurance without getting bummed?

Question

Anybody know where I can get car insurance, as an 18 year old male, without being screwed up the **** and given maddddd quotes. I have one year experience, no accidents, but as a named driver no claims. Does this give me any leverage with any companies? I am a student, and a very careful young man!!!

Answer 1

There's a free on-line service that is reliable that can help you know for sure.  It is also very easy to use.  You can access them out at:

http://www.kqzyfj.com/email-2700253-1039...

GOOD LUCK!

Answer 2

Um, YOU don't have any leverage with companies.  As an 18 year old with one year of driving experience, you're MUCH MUCH MUCH more likely to have an accident than, say, a 35 year old driver with 18 years of no accidents.  

The more coverage you need, the higher the rates.  

At your age, likely HALF the premium - or more - is collision coverage.  The way around that is to pay cash for a car, and not buy collision or comp coverage.    You'll have much lower rates that way.

Answer 3

Until you hit 24 or 25, you're gonna pay high rates even with a clean record - that is the unfortunate reality.  Shopping around is your best bet.

Answer 4

You will start to get better rates after you hit 23-24 and stay accident/ticket free.  At 18, you are at the highest risk for age range to insurance companies.  If you are a good student, let the companies know, a lot of them give "good student discounts".

Answer 5

One of the best things you can do for your insurance at this point is to own an older car. Driving a newer, nicer vehicle means higher insurance rates in general. Look for an older vehicle, but still a safe one.

Aside from this, ask the companies in your area if they offer any discount programs for young drivers. Keep your grades up and you'll get a good student discount from most companies.

If you're still able to, it will probably be cheaper for you to be listed on your parents auto policies. If that's not an option, keep driving safely and keep improving your credit, and you will be rewarded.

Answer 6

you're gonna get hosed because you're a young male. You may get a small break for not having any accidents and being a student. make sure the insurance companies know about you being a student. If your grades are good, some will give discounts. Other than that, you will be stuck paying rediculously high premiums. You could always drive a pos car that you don't need collision coverage, and that would lower your premiums quite a bit. You really won't see a premium decrease until you get married. Another fat decrease comes along when you turn 25.