Question
What are my options if I am paying over $700 a month in car insurance?
My girlfriend lives in New York City and has eight points on her license. She also has two claims on her leased car. Her previous insurance company dropped her and now she is being charged $750 a month by a new company. This is more than her car payment. The lease ends in September. What are her options?
Answer
Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.
Ross h…
Credentials
- 5+ years in the Insurance Industry
Unfortunately, it appears your girlfriend's insurance company sees her as a high-risk driver. This likely explains why her coverage was dropped and the new policy has higher rates. There are many factors that come into play when insurance companies determine rates. Your driving record is certainly one of them.
There are a few options, however. First, you may want to shop around for a cheaper policy. There are non-standard auto insurance companies that specialize in high-risk drivers. The Zebra can help you shop around and get quotes from several companies at once.
Your other option is to simply try and get out of your lease contract early. If the leasing company allows this, you would likely incur a penalty. However, this could still be cheaper in the long run.
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