Where can I find the cheapest insurance rates for a student with a 2000/2001 Toyota Celica?

Question

My car is not paid off yet, but I can only find places that quote me almost 250 dollars a month! I cannot afford this! Thank You!!

Answer 1

Well, unfortunately a younger person driving a Celica makes for a high risk from an insurance companies standpoint.  My recommendation would just be to shop around and find out what everyone is charging.  Make sure to talk to an independent insurance agent to get quotes from multiple companies.

Good luck to you!

Answer 2

Forget about the "on-line" companies and get yourself a local agent. If you don't know WHERE to look on line, how are you going to know WHAT to do when you GET there???

There is not ONE insurance company that is good for everyone - as there are too many variables to consider!

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. 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!

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!

Feel free to email me direct!

Good luck, drive RESPONSIBLY and I hope this helps!