Is she paying to much for auto insurance?

Question

my aunt is 35 got a license a year ago has no accidents and she

pays 200$ a month for minimum coverage for a 1999 Plymouth

breeze. this is in new york....it's some local insurance company oh she has no credit..?

i can just imagine how much I'll be paying after i get my license

this summer at 18!

Answer 1

For automobile insurance the most efficient way to get a good quote is do a policy comparison on car policies. Make sure that you compare similar options with the same deductibles, car make, zip code, etc so that all options are a good comparison.



What I usually recommend is an internet comparison quote at http://www.InsureAutoNow.info since they have top name insurers and can give multiple prices on car insurance polices.

Answer 2

Answer from a General Insurance Agent

Your Aunt is considered a "high risk" driver due to no credit, and no driving history.

She needs to try some other smaller companies. Shop around. A non standard auto insurance carrier will offer her the best rate. there are many non-standard companies that do not even use credit scoring in their premium rate tables, The coverage will not be as extensive as a larger national company but at least it will be affordable, likely about 78 to 98 dollars a month for minimum liability from your aunts description barring any tickets or accident on her current driving record.

All the larger national companies will use her credit score in determining her premium and require at least 3 years, usually 5 years driving history. When they find out she has little or no driving history they will just tell her that she does not meet the requirements for their program due to being a high risk driver. thats just a waste of her time.

You aunt should also consider taking an approved Drivers training or drivers education course. this could save her up to 20 percent on her premium.

Some Insurers are also offering up to 5 percent discount for policy holders who pay their premium by EFT or automatic debit. Just something else to consider.

After having a non standard auto policy for a couple years with no lapses and a decent driving record for say 3 years, your aunt should then have no problem getting good insurance at affordable rates from a Standard company.

Good Luck and Happy Motoring

Answer 3

She has no history. Most people have 19 years of driving history when they are 35. They can't determine if she pays her bills on time or is extremely prompt. She is concidered a risk. Tell her to shop around, try the bigger national companies.

Answer 4

It is caused by her short driving record... But I guess 200 - is too much for 35 age.

You can try this company - http://carinsurance.yoll.net - I personally have their car insurance.

As I know they have cheapest insurance policies for first time drivers.