car insurance

[Anonymous]

We recently matched with a 19 year old (soon to be 20) AP who has only been in the country for a couple of months and hasn't yet gotten a U.S. driver's license. The car insurance company quoted me a very high rate, probably due to her age and the fact that she has no driving history here. Any advice on how to lower the rate? Switch companies? What they quoted me for the AP alone for six months is what we paid for three people (including an older AP for a whole year!)

[Anonymous]

My oldest AP has been 20, so we've always dealt with the very expensive insurance issue. At least with my insurance (USAA), the rate did not go down even when they did get a US driver's license.

[Anonymous]

Yeap, we switched, it was still expensive but cheaper than staying with our insurance. So shop around!

[Anonymous]

Anonymous wrote:Yeap, we switched, it was still expensive but cheaper than staying with our insurance. So shop around!

Same here. My insurance company gave me an astronomical quote, so we switched. It's still not cheap, but it's more reasonable.

[Anonymous]

Op here - thank you for the advice. At the risk of sounding like an annoying ad, I ended up switching and saving a lot of $$$, but still so much more than the 25 year old APs!

[Anonymous]

Not sure why you would choose such an AP, if you need a driver. This is a good reason to look for an AP who is at least 21 -- generally more driving experience and lower insurance costs.

[Anonymous]

Anonymous wrote:Not sure why you would choose such an AP, if you need a driver. This is a good reason to look for an AP who is at least 21 -- generally more driving experience and lower insurance costs.

With most insurances, when they got their DL in the US matters more than age. My AP is 26 and I got a high rate with my insurance because she got her U.S. DL this year. A 21 y who had her U.S. DL when she was 18 will get your better rate (at least with most insurance agencies I talked to).

[Anonymous]

Anonymous wrote:Op here - thank you for the advice. At the risk of sounding like an annoying ad, I ended up switching and saving a lot of $$$, but still so much more than the 25 year old APs!

I am PP who also switched, what is your new insurance, i will be shopping around soon with new AP.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Op here - thank you for the advice. At the risk of sounding like an annoying ad, I ended up switching and saving a lot of $$$, but still so much more than the 25 year old APs!

I am PP who also switched, what is your new insurance, i will be shopping around soon with new AP.

Switched to Geico

[Anonymous]

Definitely got lower insurance rates for 21+ and then 25+ drivers from our insurer (State Farm).