I bought my first car (not under my parents name) about a year ago. I stayed with my parents insurance company for 6 months, but then swtiched to Allstate because they offered me lower premiums. After 6 months my premium has increased with Allstate, so I am thinking about switching again. Is this bad to do??? I have had no accidents or tickets so I am not even sure why it went up, but I can’t afford these ridiculous rates! Thanks in advance!
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{ 3 comments… read them below or add one }
there is no reason not to move if you can find the coverage you want and need cheaper elsewhere, and to be honest finding it better and cheaper than Allstate is usually not hard to do.
i would call them and check out what they can offer… but ask them directly if my premiums can go up… but i would probably switch
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.
The best thing to do is call a LOCAL independent agent. Don’t go across town, or to some other city – look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!
Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I’m sure that when you do, you will find some impersonal computer user with a script to work from and you won’t be able to talk with the same person every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this helps!