I’m looking to change insurances, but I can’t seem to find any that will fit within my budget. Just so you know, I’m eighteen and have been in two accidents. I merely need a new coverage, but I’m still making auto payments. Is there anyone who can offer advice or suggestions? I’m grateful, everyone!
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Hello Ann,
Finding affordable car insurance as a young driver with a history of accidents can indeed be challenging. Here are some suggestions that might help:
Consider Adding to a Parent’s Policy: It’s often more affordable to be added to a parent’s or guardian’s policy than to purchase a separate one.
Look for Specific Insurers: Some insurance companies offer more affordable rates for young drivers, even those with accidents. For instance, State Farm and USAA are known for their relatively cheaper premiums.
However, please note that USAA membership is limited to military members and their families. Other options include Erie, American Family, Nationwide, and Auto-Owners.
Explore Mileage-Based Programs: Some insurers, like Nationwide, offer programs where your premium is based on the miles you drive. This could be a good option if you don’t drive frequently.
Check for Discounts: Many insurance companies offer discounts for good grades, completing a defensive driving course, or installing a telematics device that monitors your driving habits.
Shop Around: Rates can vary significantly between insurers. Use online comparison tools to get quotes from multiple companies and find the best rate for your situation.
Remember, while cost is an important factor, it’s also crucial to choose an insurer that offers good customer service and handles claims efficiently. I hope this helps, and best of luck with your search!
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Contact an independent agent and have them shop for you.
Nothing will be cheap though considering your age and record.
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The cheapest I could find was Dairyland.
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