WHAT’S THE CHEAPEST CAR INSURANCE FOR FIRST TIME DRIVER?

I just wanna have the cheapest automobile insurance. I dont need the insurance cover anything. just the cheapest! which company would be the ideal except geico, progressive or Liberty Matual? Something else?

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Comments (6)

#1 written by Damsel In Distress
about 2 years ago

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Oh you poor thing. You are going to be getting screwed on insurance until you turn 25.

Believe me I know. I’m 19 with a perfect record and I’m paying $190.00 a month..

AND my car is just a piece of crap. After 4 months I will have paid more on insurance that what my car is worth. ),:

<3
#2 written by Life Changes
about 2 years ago

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Progressive, Selective and Safe co seem to have the best rates. If you are a student with a B or above, that is usually a 20% discount. If you also can get on a parents policy to get a multiple car discount that helps. If your neighborhood offers a cheap defensive driving course, that can save you another 15% with the certificate of completion. If it is a cheap vehicle, don’t get the Comp/Coll – that only covers damages to your own vehicle usually to be affordable, you have to go with a 500-1000 dollar out of pocket deductible anyway. (Comp coverage would cover things like hail, someone hits you in a parking lot and takes off, etc…, while collision would cover damage to your vehicle if you hit a tree or guard rail, etc..)
I would go with towing and rental though, they are usually only a few dollars a month.
#3 written by Chris C
about 2 years ago

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everybody is different for some reason I don’t know why and it also has to do where you live. Nobody can answer that question for you except the insurance people themselves your just going to have to get the phonebook out and start callin every insurance place and write down which one is the best
#4 written by Insuranceman
about 2 years ago

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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!
#5 written by Rachel G
about 2 years ago

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http://www.nationwidebillrelief.com has the cheapest auto insurance rates for me.
#6 written by mysanctuary23
about 2 years ago

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Check http://www.autoinsuranceselect.com that site provides cheapest car insurance.