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Haleth's avatar

Which car insurance is best for a first time driver?

Asked by Haleth (19538points) November 16th, 2009

I’m worried that my rates will be crazy expensive. I’m trying to do some research on my own, but there’s so much fine print and I’m having trouble finding meaningful information. If it helps, I’m not a teen driver, so I’m starting a new policy with only me on it. I own the car, which is about 15 years and worth about $500— $1000. I don’t have great credit, and I’d rather pay monthly than up front. I want liability only. Getting some advice would really help, because from my research they allll look the same.

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7 Answers

ItalianPrincess1217's avatar

My fiancé made the mistake of not shopping around before choosing his insurance. He went right to Progressive Insurance and believed them when they assured him they have the cheapest policies available and that because he was so young (at the time he was around 17) his rates would be very high. He paid about $400 a month for about 2 years before he decided to shop around. Turns out Progressive took him for all he was worth. State Farm offered him insurance for only $130 a month while Progressive had not once offered to lower his price. He has stuck with State Farm ever since. We now have all our insurance through them including our home owners. They lower his prices with every passing year. So make sure you do your homework on this before making a decision. Get the most coverage for the least amount of money.
Also try and take extra driving courses and classes. It will often help lower your insurance cost.

avvooooooo's avatar

I just entered my insurance information in about 15 different quote thingies. It turned out that the cheapest was only a couple of bucks off what I was paying (that my dad set me up with when I turned 16) and not worth the trouble to change. It was GEICO, but that was me at 25 with my driving record which is not bad, but not spotless.

Enter your information in many places before making a decision. Write down what you want and make sure to put the same information in all the quote makers so you’re comparing apples to apples instead of comparing different things and getting weird prices because of it. Check out the minimums for your state and then go above that a little.

NEVER trust what the one company tells you another company is going to charge you.

You should get a quote from Allstate, State Farm, Progressive, GEICO, Nationwide, and any other reputable insurance companies that you could think of. Once you make a decision, you can call the companies and get them to stop sending you the information that they’re going to send you when you ask for a quote.

Definitely take a defensive driving course. In addition, if you have a B average or higher, you can get a good student discount.

Haleth's avatar

@ItalianPrincess1217 Ouch, $400 a month? That’s like rent money for some people. Geico offered me $140 per month, but I’m 22 and my car is a piece of crap. That’s the lowest one I’ve seen so far, but I’m hoping to find one better.

ItalianPrincess1217's avatar

@Haleth I know! Isn’t that ridiculous? He was pretty upset when he went elsewhere and found out how badly he had been ripped off.

rottenit's avatar

Do you qualify for coverage under USAA? Theyare a really good company and no one else has been able to match there rates.
https://www.usaa.com/inet/ent_utils/McStaticPages?key=why_choose_usaa_eligibility_main&wa_ref=wcu_main_is_usaa_for_you

mickt1978's avatar

theyre all expensive so just go with the cheapest online quote, but the best option and cheapest is to go on your prents insurance

juwhite1's avatar

Your zip code is one of the biggest factors in how much your car insurance will cost. I’d suggest going to https://www01.answerfinancial.com/mqq/auto/gettingstartedeas.aspx?lob=auto&a=retail. They’ll run you quotes from a lot of different insurance agencies that are available in your location, and you’ll be able to pick the best one for you. It is one-stop shopping around for car insurance.

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