Which is the chiper insurance?

Question

I want to buy a car but I can afford it with the insurance. i'm 22 yeard old.

Answer 1

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 have companies that specialize in youthful and/or newly licensed drivers.

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

Being 22 is not the worst case for buying insurance. A couple of things that can save you money are:

1. Being listed on someones policy or having 6 months of previous insurance

2. Having a clean driving record

3. Taking a defensive driving course and having a 3.0 or better GPA

4. Being Married, even if you are separated.

I would recommend getting a used vehicle that does not require full coverage (500/500 Comprehensive and Collision) and getting liability WITH  Uninsured Motorist. Uninsured Motorist protects you from someone who hits you and has NO insurance of their own. 99% of the time, the price is the same for basic liability w/ Uninsured Motorist regardless of the vehicle. DO NOT let them sell you insurance without uninsured motorist, that is extremely important to have.

Other than that, get out the phonebook and call as many places as you can find. Look for someone knowledgable, 24/7 claims if available, and don't settle! Also, don't haggle about the price, as they are set by the companies. Its alot different than going out a buying a car, these prices are fixed!

GOOD LUCK!

P.S. If you live in GA, FL, or AL, send me a message as I am an insurance agent and would love to help!

Answer 3

You have to get off your butt and go get some quotes.

Answer 4

You should shop around and get quotes from different companies to compare against. A good way to find the best policy for you is to go to http://www.insureme.com/landing.aspx?Ref... A local agent will contact you and give you information on the local companies and the policies that they offer in your area. This should be a great way to get started. Good luck!

Jared Balis

http://www.utahinsurance.org