I am 24 years old and I had my first small accident about 6 months back. I recently had a lapse that I was not aware of at the time. I am now asking around but cant get any quotes that aren't at least 4x the 91 I was paying before. Can I get the minimum required auto insurance to make that payment a little less? Or with the accident claim is that unlikely to help. I just need to find something cheaper with the now accident claim and lapse.
Jan 11, 2019Buffalo, NY
Jan 11, 2019
Having a lapse in coverage and an accident will likely cause a high increase in your premium. Once you've had insurance again for six months, without a lapse, your rates will start to get better. The accident, however, can impact your rates for up to five years. Unfortunately, the only way to get a lower rate is to let time pass. Your rate can increase because of your age as well. Drivers under the age of 25 typically pay more for car insurance than any other age group. The Zebra can quote you with several companies at once to help you find the best rate. You can also give us a call at 833-768-7789. Good luck and if you have any questions, don't hesitate to ask.