Car Insurance Costs

Does my 20 year old need his own car insurance policy?

Since he lives in Florida, he will need to get his own policy. He is still considered a young driver and Florida requires Personal Injury Protection (PIP) which makes the rates more expensive than Tenessee.

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Car Insurance Costs

Why is my insurance so high if I have no accidents?

There are many different factors that go into calculating your rate. Although I do not know your age, you sound like a young driver.

Coverage & Claims

Get insurance involved for $1800 in damage?

The short answer is no but there's a lot to unpack here. First, most insurance companies require you to report any incident, even if a claim is not filed. If he were to file a claim, it would definitely impact his rates for the next 3 to 5 years.

Car Insurance Costs

What do I put in a quote if I don't have a credit history

Not having a credit history doesn't mean you have bad credit but it will take time to build credit. I suggest speaking directly with an agent and see what they suggest as it could be company specific.

Coverage & Claims

$355 dollar of damage and $250 deductible should I file a claim

I would pay out of pocket. The rate increase from an at fault accident against her would increase her rates for 3 years.

General Insurance

At what age does car insurance decrease?

While your insurance premium is calculated by a lot of variables, your age and driving experience/history are big factors. If you're a young driver, you can expect your age to impact your rate until you're 25. If you're not a young driver but a new driver, your premium will begin to decrease as you get more years of driving experience.

Coverage & Claims

I can't find insurance with my son's driving record

There are a couple of things working against you here. Personal Injury Protection claims are considered high claim payouts by insurance companies and having multiple on your insurance record is a huge risk factor to insurance companies.

Car Insurance Costs

Should I add my child to my policy or get them their own?

<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;In the majority of instances, it is less expensive to add your child to your existing policy than getting separate coverage. This is mainly due to the fact that your child will not qualify for as many discounts on their own as they will by being added to your policy.


Can I buy my own policy if I am under 18?

Since it is possible to have a vehicle titled and registered in your name while under the age of 18 then there are companies that will insure under-aged drivers on their own policy.
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