I'm 20 (will be 21 in March '08) and have only been on my dad's insurance. His record isn't that great so to add on a car to his is expensive. My relative is selling a '98 Escort - very basic - to get to work and college. $1500 car. don't understand collison and comprehensive. The one that pays for a replacing the car I don't want. Anyway, I went online for quotes and they ask if I've had insurance before and I haven't (on my own) so I'm not sure if I'm being docked for that. I have a clean driving record and just want some basic coverage mostly for if I hit other people. Could someone guide me so I don't have to pay an arm and a leg? What are the ranges I should look for? I see numbers like 200/300/500 but I don't get it. My mom said she'd insure the car under her insurance but then naming me as a drive might be expensive. How do people get insurance that covers any driver? Like when people use other people's car? So many questions! It's hard to work, be in college and pay for car.
First time getting car insurance I'm 20 years old...help!?
- Thread starter jghardt
- Start date
Try going to an insurance agent's office rather than buying it online, they can help explain coverages better. I think you can count the time you were listed as a driver on your dad's policy as prior insurance...and yes if you get a quote as having not been insured before it costs more. Don't get comp and coll if you have a $1500 '98 Ford Escort....it is expensive coverage and pays out actual cash value of your car if you wreck (cost less depreciation)...and it sounds like the car may not be worth that much. Good Luck!
if u are going to own the car out right no note the cheep est thing would be for u to get liability insurance. its cheap and just the basics. don't get a quote on line insurance u got to go to the office and physically talk to a human to get it right. tell the rep u want the bare minimum legal coverage. otherwise it will be very pr icy since it is your first policy.
Don't do online actually call and get a quote from the insurance company. If you can afford it gte collision and comprehensive, that is called full coverage. If it is to expensive get liabilty this will insure you if the car accident is your fault the insurance company will pay it. If you call and talk to someon they will fully explain to you whats going on, and the rules in your state. If you can do USAA.
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TECHNO!!!
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hi if ur a 2nd driver on a relatives car or someones it will be cheaper! im 17 and ive got car insurance ,wht can i do ,am gonna have to pay for it!
good look!
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good look!
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Ok first things first. You need to call the insurance place I would suggest state farm just because I have had nationwide allstate and my husband had progressive all were higher than state farm for the exact same thing. when I was 16 i was paying around 200.00 for liability which in the event of an accedent would pay for the other persons car but not mine. Switched to state farm and pay less than 100 for full coverage. Make sure you find out the diffrence in price for liability and full coverage. Different states require diffrent things the best easiest way is to call yourself and talk to them or just walk into the office and they will answer any other questions. Hope this helped a little.