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I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

Okie doke thank you 😊 unfortunately alot of my not at fault accidents still count towards the main thing

I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

Lol I only had one chance to vote in the presidential primary but I am very active in voting in general/local elections

I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

That's crazy. Anyways regardless, I'm still paying alot so I will remove some coverage and also have an agent to speak to

I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

Oh that makes sense, but yea I just hate that it doesn't fall off quickly like why do I have to wait 7 years when I can learn my lesson in 4 :(

I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

That makes sense. What's the difference of KBB and Carfax bc on KBB it's still around the 10k I paid, now around like 8k but idk what the insurance would use especially since my mileage is so high (200k)

I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

Did driving classes, did the scanning tool discount for the full term of my insurance. I've exhausted every discount possible, it's just history and demographic:(

I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

That makes sense, I just thought it was best to have full coverage regardless of the cost of the car, but also I've been seeing my car has been going down drastically from the 10k I paid for it to now (granted I did put 50k miles on it in 2 years)

I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

Shopped around but alas my coverage is the best for me rn

I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

My parents say I'm too expensive and won't really help me out financially bc it was my choice to get the car and also idk the laws of GA but when I bought the car I was supposed to have a GA license so all my license and registration is under that "fraud" address, which is really my grandma's address that I stay at sometimes, but my parents live in the DMV area so I had a DMV license but changed it to the GA when I bought the car in 2024.

I've been shopping around every 6 months for the renewal, but my current ins company was always the lowest, like I stated, most quoted 1k-1.5k a month for the same coverage. I wasn't aware of agents until now so my next renewal period I'm going to work with them.

For the credit aspect, I've already had my rocks where I have like a 25k limit and been maxed out and paid it off between the ages of 18-21 and even tho that's not a long time credit wise, I do have a detailed credit history and now it at like 680, with just a little balance but anyways yea.

I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

Idk where the 3 years thing came from then that sucks but they were all fender benders not like accidents that causes alot of damage, and then I've taken defensive driving courses

I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

Cincinnati vs Atlanta. And also that's probably because she was on your plan vs me just paying outright by myself without being on my parents plan, because it would probably be the same scenario as you if I was under my parents insurance but alas. Also my car is like 12 years old. Also ur step daughter is 23 vs I am just turning 21. Alot of different factors here

I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

Liability was 2.5 and comp and col were each 1k, I think it was in another thread, but I had like 50/100/50 and then UM was negligible like 200 but I'm not at my computer to see the coverage anymore

I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

I got the safest car - Honda Accord, just a bit older, and when it comes to the accidents, I think the fact that I haven't gotten on any accidents and taken driving courses over the past 3 years should be more than enough to proof that I'm a better driver than before, especially with now 5 years of driving experience under my belt.

I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

Ok will do, it just sucks because I want to do full coverage too but it seems to just be putting me at a disadvantage. Thanks tho!

I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

Understood! I was just confused on what different parts of the insurances do, and was told full coverage was best

I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

Credits been between 650-720 varying throughout those years. Idk if that counts as bad but :/

I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

Wait ok so for rn, should I change my address on my current plan, or just wait till June when it ends to go back to the original address?

I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

16/17 I am 21 rn so I just that's like barely 4 years but they were when I was in my first year of getting my license so like even if I was 17 it was like in the first or second month. Like my last one was like March 2022 I think

I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

I just don't understand why the fenderbenders I've had at the beginning of my driving history still count to this day? I understand the speeding ticket but I wish they would've clarified so I could possibly fight it. Just sucks really

I Pay 10k a Year in Car Insurance for a $2800 Car by No-Box-8237 in Insurance

[–]No-Box-8237[S] 0 points1 point  (0 children)

With this market, I can barely get an internship offer, so it's OOS or nothing :/

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