Not something I'm proud of, but I'm now "uninsurable".
 

Don't flame me, I don't really care to hear it. I need honest help and suggestions.

My dad's insurance company [State Farm] won't unsure me unless I'm in the "high risk" program which will end up making my dad's insurance double. So now I'm on my own.

Thankfully, I've slowed down a lot, and I watch my speed more, so hopefully I won't be getting any more tickets for awhile, but I still have some time before this shit dies off my record.

Does anyone know of a good insurance company that is good for this kind of thing? I already know I'm going to get anal raped with insurance but I need to start some place.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Progressive is a good place to start. After that, talk to Reid, he knew of a place in Crystal (I think) that dealt soley with "high-risk" individuals.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Yeah Progressive is usually the best with "high risk". Either way its not going to be cheap by any means. Your location might not be helping either.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Identity swap.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

What do you mean? You know I'm back in MN right?

Yah, my dad had mentioned Progressive, so I'll check them out tomorrow, along with E-surance. Has anyone ever dealt with them?

Re: Not something I'm proud of, but I'm now "uninsurable".
 

american family or liberty mutual get it done for me.
Lie to the insurance company about as much as u can.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

I have progressive only one that was cheap for me
I have on mine right now
2 driving with no prof
2 driving after susp
1 driving after rev
1 speeding
mine is 130.00 for the talon

Re: Not something I'm proud of, but I'm now "uninsurable".
 

That gives me SOME hope. I have 4 speeding and one red light ticket. And I will be insuring a 1990 Galant. Non-turbo, just a regular, auto.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Your under your dad's insurance?

hmm.....Are you currently in school as well?
If you are, even if your a "high risk", wouldn't good grades get you like 20% discount.
Just a thought.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Hes ALOT older than you though, which lowers insurance costs dramatically. Being young with a record makes it very hard to get a decent rate. Call the major companies and see what they can do as far as rates. American family, progressive, state farm, etc. There are some special high risk insurance companies but I forget their names.

Just liability on that old of a car shouldnt be insanely high, just call around to start.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Insure it for 1.5M, it's a sweetie.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Progressive is a horrible company, and so are most of the other places that insure high-risk drivers for cheap. They work when you need cheap insurance, but dont go into it expecting a whole lot more than a little blue card with your name and policy # on it. They arent the best when it comes to filing claims.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

And for some reason, they charge males more than females. I don't get it.

Good luck with the dealings. Why are you back in MN?

Re: Not something I'm proud of, but I'm now "uninsurable".
 

No, I'm no longer with my dad's insurance. I was up until now. I'm going back to school. At least now I have TWO goals of why I should get good grades. I think a lot of companies have something like that.

Hmm.. Thats true. I didn't know how old he was.

HOPEFULLY, I won't have to file any claims. Since my last ticket, I've REALLY been watching my speeds. I have a GREAT cop eye, but it only takes you so far. And I've been in one accident. So hopefully I won't have to deal with it. I'm a pretty causious driver, I just have a hard time watching my speeds.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

My coworker just had to file a claim with Progressive and it couldn't have been easier for him. He dropped the car off, got a free rental, and will have his car back in 1-2 weeks.

Esurance is cheap, but their customer service is horendous. There is another cheap online company too, but I can't remember their name.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

I have Progressive, and have for the last two years. I've had absolutely no problems, but haven't had any claims. They were about half the cost of Allstate for the exact same coverage. My parents also have them, and had a windshield that needed to be replaced. They called, and they people were out within just hours of them calling.

I would start with them Tauni, you can do online quotes as well.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Being "high-risk", I'd actually call and talk to them on the phone about it. Unlike you were instructed above, don't lie to them and be perfectly honest; you're already in a bad situation, no use in making it any worse than it already is.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Food for thought....
If you are living under your parents roof and can possibly drive their cars...they will be on risk also.
Even if you have your own policy through what ever insurance company you choose.
This comes from a parent who's kids have been on risk insurance and had their own policy but had the same address as their parents. It was hard to belive that the insurance companies will do this but they did, and we had to suffer right along with the kids.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Ok well I attempted to call Prgressive using the 800 number I found on their website. It ended up being a sex line? So I said fuck it and just did it online. It let me compare rates with other insurance companies, and suprisingly, American Family came out as being cheapest. Well Progressive's qupte was $4 cheaper, but it said in the "fine print" that it included a "pay-in-full" discount. Whatever that is, since it didn't say, which frustrated me. Anyways, by the looks of it, either one I chose I'm going to be seriously raped by my insurance company.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Yep, thats why my dad won't let me be on his insurance anymore. I don't live with him, but I've still been insured with him. His insurance company told him if I was on his policy, HIS insurance would double, along with my price.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

If you pay your full 6 month or 12 month premium up front (no monthly payments) you get a discount.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Well I knew that but I don't have that much laying around. And they didn't say how much the discount was so I couldn't tell how much more expensive it was from All State. Does that make sense?

Re: Not something I'm proud of, but I'm now "uninsurable".
 

OK here's what I came up with.. I thought it was pretty interesting.

AAA: $1065.00/six months
Progressive: $1082/six months [for whatever reason, they decided to include the pay in full discount with this, so I'm not sure what the exact price is
American Family: $1,089/six months
Esurance: $1315/six months
Allstate: $1838/six months
Geico: $1861.90/six months

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Those prices are for just liability state-minimum coverage? Its very possible all those prices are determined as if you pay 6 months in advance so be sure to call each individual place if you can. Assuming that AAA price is correct and you go wtih them, thats $177.50/month. Can you afford that? Is driving even worth that? You might be better off trying to find a job somewhere that you can take the bus to (if thats available in your area). No matter what though, all insurance companies generally require at least a 2-month payment in advance for all new policies so you'd be looking at $355 minimum.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

The progressive discount for paying in advance is huge, basically one month free every six months.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Luckily, my grandpa is paying the first 3 months of insurance for me. So I have a little time to save up as much as I can, and possible pay the other three months ASAP. I don't have much of a choice. There is no bus that runs from my house to my school. So Monday, I'll be spending ALL day finding whatever job I can that I can get AT LEAST $200 every two weeks. Not that hard. I made $7/hr at Coldstone and got $200 every two weeks. But I know I can find better than that even, so I think I should be ok. I'll be back to being the definition of a broke college student, but as long as I'm in school and working, I'm making my dad and grandpa happy, so OH WELL.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Good attitude, sacrifices do need to be made in the short-term in order to better yourself in the long-term. Any serious job leads yet?

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Not really. When I called Inver Grove Ford they were only hiring for Full time, which won't work with school. I applied to the casino, which would pay pretty good, but its sooo far. We'll see. Going out Monday will help big time.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Work at barfly part time ;) bahahaha

Re: Not something I'm proud of, but I'm now "uninsurable".
 

DUDE! The last night we were there, my drunken mind was TOTALLY considering it haha. But No. lol

Re: Not something I'm proud of, but I'm now "uninsurable".
 

KoD

Re: Not something I'm proud of, but I'm now "uninsurable".
 

NOT FUNNY!!!

The good news is that with allt he homework and reading I'll be doing, I won't have time to drive much of anywhere else, so I'll be saving money that way since I won't be going out all the time.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Dont count on it ;)

Nothing wrong with dancing on the pole, you would still have... well.. some clothes on! lol

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Yah yah yah :p

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Lol one time I saw you driving Tauni, and normally you would wave to me, but you most have been in a horrible mood or didn't recognize me. When I waved at you, I had some buddies of mine in my car about to blow a blunt and it seemed like you were just mad pist. Might not have even been you however I swore it was, do you ever drive an Explorer? Anyways you were speeding lol :)

However, I'm on or close to being high risk too, so I'm cruising around in my 1990 auto acura legend baby. Too easy not to speed in that car just set cruise and ride. That DUI when I was 16 is gonna screw my insurance for a while, but I'm glad I got that because I would probably be driving around drunk still like everyone else I know and I will NEVER drive drunk again. My full coverage insurance on my 02' RSX type S was cheaper than just my liability now on my legend.

P.S. Remember when I took Nick's 5.0 mustang in that little stock 4 banger hehe, then Jerry wouldn't race me in his Tiberon (sp?) before he sold that pos for his srt-4?

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Post 4000. wOOt.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

LOL! Yah, I had a black explorer for awhile, and I drove my dad's explorer once or twice. And I was probably pissed. I speed worst when I'm pissed. And I get pissed easy haha.

Yah, luckily my new car has cruise, I've been setting it everywhere I go, so hopefully I will be better at NOT getting tickets haha. Ever since the last ticket though I've REALLY been watching my speeds and slowing down a lot. I still get pissy when people pass me but oh well, they can have my ticket. Not to metion I have a heart attack every time I see a cop!

No, I don't remember? In your DSM? Jerry's a pussy and a mama's boy. K yah.. Don't even get me started on him.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

Work on that good student discount, it really helps. Also, some insurance companies give you breaks when you have multiple policys with them. I have my renters policy through state farm which is also my car insurance and it ended up saving me about $5 or 10 a month.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

I have nothing else to insure. IF I could get a bike in the spring, I would insure that too, however, with the insurance situation, that doesn't look too promising right now.

Re: Not something I'm proud of, but I'm now "uninsurable".
 

I have renters insurance on my apartment and my full coverage on the Blazer, thats it. You dont live at home, arent you renting then?