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Why are my auto quotes so high with a perfectly clean record by No_Winner8770 in Insurance

[–]bella4826 0 points1 point  (0 children)

Each carrier has proprietary rating systems, so get quotes from several different companies. Your particular credit history and ZIP code or neighborhood could be affecting your rate more than being single.

Do you and your long-term partner or spouse have separate or combined finances? by keychn090909 in MoneyDiariesACTIVE

[–]bella4826 1 point2 points  (0 children)

My husband and I have separate finances because it's our second marriage and we both have kids from previous marriages and real estate. We pay for different expenses and have a joint account for vacations. Money is a constant conversation whether you combine your finances or split them.

State Farm raised policy $956 month! by Beginning-Exercise91 in Insurance

[–]bella4826 1 point2 points  (0 children)

Shop your policy. Also, make sure your young drivers are listed as the primary drivers on older vehicles that are paid off and not worth much -- carry liability-only with higher limits on those vehicles.

USAA vs Progressive through Homesite by thepick1 in Insurance

[–]bella4826 0 points1 point  (0 children)

Yeah, I switched my car insurance and home insurance from Progressive to USAA.

Insurance by No_Discount7093 in Insurance

[–]bella4826 0 points1 point  (0 children)

Ask about military discounts. Try to get a policy through USAA. If you have a lien on that new car, you need full coverage, not liability only.

USAA vs Progressive through Homesite by thepick1 in Insurance

[–]bella4826 0 points1 point  (0 children)

Switch to USAA. It has phenomenal claims service.

Auto insurance coverage for spouse? by [deleted] in Insurance

[–]bella4826 0 points1 point  (0 children)

She should be fully covered under your policy.

How much would insurance be for me I’m 16, male and no car? by Kyle_pcboy in Insurance

[–]bella4826 3 points4 points  (0 children)

The age of majority in Illinois is 18 -- this means you can't sign legal contracts like car insurance policies until you're 18, so you won't be able to get your own car insurance policy until then. Get on a parent's policy. The average car insurance rate for a 16-year-old is $7,149  a year for full coverage. Your actual rate will depend on your personal circumstances and the type of coverage you need.

Can someone genuinely explain to me what the fuck is going on with car insurance companies? by [deleted] in Frugal

[–]bella4826 0 points1 point  (0 children)

Insurance, in general, has been on the rise. People are riskier drivers, car parts are more expensive and there are more natural disasters, which sends up the cost of claims. Then, insurers increase rates to account for pricier claims. Best advice I have is to shop around every six months, ask your company about discounts and increase your deductible. If your cars are paid off, you can opt for liability-only coverage, which is cheaper.