How are some of you guys getting such low insurance rates? I am 20 almost 21, single, 0 wrecks and or tickets...i keep getting quoted around 300-400 a month...what do I have to do?

 

turn 25 lol

 

there is people on here under 25 saying their only paying like 175 a month! i just found one for 265!

 

i pay $116 a month full coverage $500 ded. and im 21, have my 2000 explorer on the policy too and pay $40/ month, same coverages

 

who is it through ? im pretty slow with all this stuff becuase i am brand new with it all

 

a. Their car is on the family’s multi-car policy.
b. They tell the insurance company that an older family member is the primary driver.
c. They do not live in a major metropolitan area.
d. They are feeding you a line.

 

Do you have a second car? put your beater as your daily driver and the Z as the second car....

 

no i dont, it will be my only car..

 

Credit is also a factor in your cost of insurance.

I pay 168 a month. with a $100 deductable. I also pulled a 780 credit score at the age of 22.

 

mines with USAA, active duty and reserve military members can get it, pretty cheap too

 

i dont live in a major metro, isn't lying about the age fraud? so i would save money if i listed my parents vechicles?

 

Most places are not stupid. In my case the primary car is whatever car cost more to insure.

 

my credit score is 701 and im 20...who is ur insurance through?

 

Buy a second cheap car for $500 then don't drive it - list the Z as your leisure car and the one you won't drive as your primary car.

I have USAA and I pay <$1200 every 6 months for full coverage & towing on my G35 Sedan and my 350ZR, but I'm married and 30 years old. Insurance prices get better once you turn 25 and then again when you get married.



~KK

 

do you have to show a marriage liscence or anything? can i just say im married?

 

Fraud it is. But it will not matter until you file a claim.

The first thing that a insurance investigator will do in insure that your policy is valid. Investigators are not stupid. So you are involved in a serious accident. Two car are totaled and both you and the other driver have medical expenses. The investigator declares your policy invalid. You are sued by the other driver. You have no car, and are tens of thousands of dollars in debt.

Not too smart.

 

Once again insurance companies are not stupid.

You have to pay what you have to pay theres no "trick" to get around that.
only thing you can do is shop around.

www.esurance.com isnt to shabby if you only have cars. they don't insure bikes so I dont use them I use statefarm.

 

yea that is definately not something I am interested in

 

state farm is who gave me the best price so far...can i get usaa if my grandpa or uncle was in the military?

 

i dont think so...