Cheap Car Insurance
 

Ok here's the deal. I just moved across the country by myself (no other vehicles) and can't stay on my parents insurance any longer.

I have a clean driving record up to 3 yrs, 1 mth ago. Any more before June 2000, it's not pretty (1 speeding ticket, 1 wreck and a failure to yield ticket due to the car accident - my fault).

For liability ONLY, the cheapest quote I've found for my 1996 Mazda is $950 for 6 months. That quote, by State Farm, was with a good student discount, no strikes on my record and with my having done all my previous insurance with them.

I can't afford to be insured, but I also can't afford NOT to be insured, as I have to have my AZ's insurance to get AZ license plates (which I have to do by the end of the month or the title transfer expires). Not to mention my new job that I start in a week requires me to have an AZ license.... Complicated, no?

Anyways, what are some alternatives? Geico was more. I'm waiting on quotes back from a few insurance companies.

Man this sucks!

Join AAA and get a quote from them, or keep your car registered in the state you are from and buy the ins there. You can do this if you list that as you main residence if you own property there or you are a student going to school in AZ.

Plan B: Have your parents put the car in their name in the state you are from and list you as a driver on the insurance policy.

Good luck

No such thing as Cheap Car insurance :( At least not for us younger people. Best bet is plan B of what KeyserSoze saids.

I've been driving, clean record (not so much as a speeding ticket) for 5 years now, I own a 92 Acura Integra - I pay 430$ every 6 months (only partial coverage, not total, though).

However, I use USAA - so you're probably out of luck there. Most places I've seen do charge about the rates that you listed above.

Check State Farm and Progressive - I've heard some good things about them, but don't have any firsthand experience.

I'm getting married in a month and may move my car insurance to USAA.

Living in DC, though, I'm never going to get a very low rate. It'll be about $1400 a year through anyone.

progressive

Have you ever considered getting rid of your car? My wife and I don't have a car. We ride our bikes or take public transportation. Just imagine the uses you could find with all the money you are saving on car payments and insurance.

While this may be feasible where you are, it probably isn't feasible in Arizona.

Between the Mississippi and the Pacific there's a huge stretch of land where there is little to no public transportation simply because there isn't a sufficient population density to create a demand for it.

Fort Smith has over 100K people, but only 9 bus routes. If you have to change buses to get somewhere, you'd probably make better time walking. And the only buses that have more than 5 people on time are the ones heading to the chicken-processing plants or to Wal-Mart.

Fort Smith isn't the exception, it's the rule. Oklahoma City has 5 times as many people as Fort Smith, but only 4 times as many routes to cover nearly 20 times the area.

Cheaper car insurance? Get married, it cut my car insurance almost 30%. Get a less sporty car, 4 door sedans are the cheapest to insurance.

Like someone said above, there is no such thing as cheap car insurance when you are young. I'm paying what they charge you for 6 months to cover 2 cars (and my wife and I as drivers) for a whole year. I'm with USAA as well, but that is generally not available to the general public. Once you find a couple of good quotes, find out how you can reduce it. There are sometimes discounts for taking things such as a defensive driving course, etc.

USAA is the best if you can get it. If not, check Progressive.com and see if they are the lowest for you. Like they advertise, if they're not they'll tell you who is.

-Mikey

1-800-safeauto just pick up the phone the call is free...safe auto...bum bum bum ...safe auto!


catchy tune huh!

It's true that there's no such thing as cheap insurance, but I lived in Arizona for 20 years, and it's cheaper there than a lot of other states - I'm paying a helluva lot more here than I did in Arizona.

Have you tried Independent Agents? They have a variety of companies from which to search.

Of course, I don't know how feasible it is, but if you moved out of Maricopa County, you could probably save a bunch (it would save you on emissions tests, too) - of course, your daily commute would eat up any savings.

Other than that, turn 25 and get married - that always works.

try one of those small discounts places in the yellow pages or so.

my insurance is looking at to be £3000 a year for a £2000 car... :( it sucks and thats just for 3rd party: fire + theft

A little note regarding car insurance for ALL:

If you are with one of these independents a couple of things you must ask and NOT DO!!

You should not have to pay a brokers fee each time you renew your policy. You may have to pay this fee when you first sign with the company.

You should not have to pay a policy fee each time your policy changes such as adding a car or removing one to replace the other.

These are fees that independents and some big boys charge you to put a few extra dollars in their pockets. This is perfectly legal and most people keep paying it over and over like my buddy has been doing.

He just bought a car from me and we were sitting waiting for the proof of insurance to be faxed, when it came across the fax with the new car added so did these fees:

Broker fee: $75.00

Change in policy fee:$125.00

Heres the best one,

Paperwork and transaction fee:$20.00 LMFAO

I looked at his policy and the fees and asked him how long he's been paying these fees? He told me every six months he pays the broker and the new policy fee...........WTF!!

If you sign a policy with a company the only thing you should be paying each renewel is the premium.

Anyhoo, I hooked him up with my guy and he was actually paying $250.00 more then he should have been paying each six months.

Car insurance is a necessary evil that we must all have and there are alot of SNAKES out there in the business that prey on people that are not to eduacted.

Ask questions about your policy and make sure you are only paying for what you need.

If you have a car that offers free roadside assitance.......you don't need to be paying for towing in your policy.

Just thought this would help some of you out there:)

Keysersoze I have to say your the greatest source of car related info around...thanks!

Awesome, you guys!!

For now, I'm keeping my car registered back home bc I just can't afford that.

When they figure out that I'm no longer a student (they said it'd be fine for the remainder of the year and then they can drop me or I need to go back to school a bit), I'll go with Keysersoze's Plan B.

Riding my bike 15 miles to work in 115 degree heat? In heels? Hehe. I think I'll have to pass. I'd be one dirty, sweaty mess at work.

Or take a bus and having to ride my (nonexistant) bike to said bus-stop and wait in 115 degree heat and ride with the questionable characters there :)

OK honestly, I could ride my bike to the bus stop but I'm so damned lazy....

That's awesome it works out for you guys though! Yay for being eco-friendly and all. :)

Thanks for all your advice, guys!!!

Oh, and I have a 4-door sedan. Damn my bad record!

Another positive vote for USAA. If you can get it, it's sure worth it.