Is it normal for auto insurance rates to be so damn high?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It's a big warning flag to insurance underwriters if you have a period of no insurance coverage. I would suspect that is the main driving force behind your high quotes.

How does not having insurance (while not even owning a vehicle) make one more of a risk?

Isn't it similar to having no credit cards and thus no credit history? You're an unknown quantity.

A perfect 16 year driving record doesn't carry enough weight?

[Anonymous]

Anonymous wrote:

Anonymous wrote:It's a big warning flag to insurance underwriters if you have a period of no insurance coverage. I would suspect that is the main driving force behind your high quotes.

Agree! This is the biggest reason. We lived overseas for several years, as well, and contemplated dropping all insurance for the duration. Our insurance company told us our premiums would skyrocket upon return if there was a period of no coverage.

Yep! that's the reason!

Also, OP what state are you in? I live in VA and it's super cheap, DC is way more expensive.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It's a big warning flag to insurance underwriters if you have a period of no insurance coverage. I would suspect that is the main driving force behind your high quotes.

Agree! This is the biggest reason. We lived overseas for several years, as well, and contemplated dropping all insurance for the duration. Our insurance company told us our premiums would skyrocket upon return if there was a period of no coverage.

Yep! that's the reason!

Also, OP what state are you in? I live in VA and it's super cheap, DC is way more expensive.

I'm in Georgia. Insurance is usually dirt cheap.
I think I'm stuck paying a high premium.

[Anonymous]

Anonymous wrote:Check multiple quotes. I pay $365 per month for one car and it kills me. Just shop around.

Wtf!? What kind of car and/or driving record do you have?