Why is my car insurance so expensive?
I'm 18 and I drive a 2008 dodge caliber. I've been paying 200+ a month on insurance and I'm sick of it. I will be 19 in the summer and have had my license going on 3 years. I have a clean record accident free and incident free. Will my payment ever go down? It's bad enough I'm already a poor college student lol.
Comments
Your insurance is that expensive because you are only 18.
And it is not "so expensive". That is actually really cheap for someone so young. Insurance at your age often costs more than twice that; it some places, it costs closer to $1000 a month.
If you stay accident free and incident free, then your insurance will go down, when you are older.
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RE Why is my car insurance so expensive?
I'm 18 and I drive a 2008 dodge caliber. I've been paying 200+ a month on insurance and I'm sick of it. I will be 19 in the summer and have had my license going on 3 years. I have a clean record accident free and incident free. Will my payment ever go down? It's bad enough I'm already a poor college student lol.
I might suggest you to visit this website where you can get rates from the best companies: http://insurecomparequotes.us/index.html?src=2YARt...
RE :Why is my car insurance so expensive?
I'm 18 and I drive a 2008 dodge caliber. I've been paying 200+ a month on insurance and I'm sick of it. I will be 19 in the summer and have had my license going on 3 years. I have a clean record accident free and incident free. Will my payment ever go down? It's bad enough I'm already a poor college student lol.
Follow 10 answers
Because drivers under 25 are statistically more prone to have accidents it doesn't matter how great you are at driving your age group as a whole isn't that good at driving. If you keep your perfect record until your 25th birthday your premiums will drop to about half of what you're paying now but until then about the only thing you could do to lower your rates is to qualify for a good student discount if you meet the requirements.
Your coverage commonly expenditures more advantageous if you're a youthful driver, haven't any or a lot less-than-suitable credit, personal a performance or sporty vehicle, personal a luxury motorcar, detrimental utilising heritage (wrecks, tickets, etc), or in case you personal a vehicle it really is rather commonly happening (i will clarify later). once you've tickets, wrecks the position you're at fault, etc your rates will advance for a era of time. Now..about the commonly happening vehicle... those automobiles have more advantageous coverage expenditures because there are a approach of them on the line, hence more advantageous possibilities of claims being made by vendors of those particular automobiles. In my portion of the u . s . a . the Toyota Corolla is an staggering celebration because you note them everywhere. ...and that i take position to personal one. exciting vehicle, btw. Over right here interior the u . s . a . you will get a coupon on inurance by taking a DMV licensed protective utilising route and providing your coverage company with evidence of passing and of entirety. depending on the answerer above me... i'm interior the u . s . a .. coverage expenditures indexed right here at the prompt are not determined by your aspect of preparation. I by no ability provided information about my preparation to my coverage company, yet that would not propose they did not get the information elsewhere. I defined in my answer above what coverage agencies look at, it really is genuine for the u . s . a .. i have been utilising for 7 years, sparkling utilising list (no tickets or at-fault wrecks), in simple terms a million declare (not at fault damage) yet I nevertheless pay by the roof because I force a Toyota Corolla it really is rather commonly happening in my section. i imagine i'm charged more advantageous because i'm having to pay for the stupidity of human beings.
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Go to an independent agent who represents several insurance companies and ask him to shop around and see if he can find you a better rate. I bet one of the smaller companies can give you a lower rate. Good luck.
Blame statistics. Young drivers are more likely to get into accidents. Rates drop when you hit 25.
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Put the car and insurance in your parents name.