Overhaulin'

Question About Car Insurance?

I just got my license today. I will be joining my mothers insurance with State Farm, but I do not have my own car right now. It will cost 600$ more every six months to have me added on. Once I do buy a car, I was wondering if the cost to insure myself would go up and what the general minimum and generally maximum price I might be paying - I understand insurance rates have everything to do with where you live and what type of car you get, but I'm looking for upmost maximums and minimums that are possible, when ever I do a "free online quote" with cars I'm interested in purchasing it tells me there's not sufficent information and that I have to call the office - which is very silly to do considering that I don't really have a car right now. So feel free to throw out numbers, I've heard everything ranging from only 100$ a month to 500$ a month.

Public Comments

1. Those 'free rate quote' places are going to give you a quote on the state minimum coverage, so it's quite probable it will be lower then State Farm, because your Mom probably has upgraded past the minimum coverage...So, go see the State Farm guy & see what there price is for minimum, so you can compare apples to apples. Now, weather you can have different coverages then your Mom, because you are on her policy, he'll have to answer that. Also, ask the insurance guy about the discount available to you & your Mom if you have three different policies all thru him. When I added my kids to our family State Farm policy, the 3 policy discount was enough to get a small life insurance policy on each kid and actually save a bit on the total insurance package.
2. Yes it most likely will go up. Right now, you are probably an occasional driver on your moms car. When you get your own, you will be a principal driver. There is a price difference for that! You can have your parents listed on your insurance policy so you can get the multiple car and multiple line (if they have their homeowners ins there too) and that will keep the price down. You also can have a good student discount. If you get an old car and insure for just liability, that will go a long ways towards keeping your insurance costs down. Sorry, you can't get a max or a min because with the introduction of credit and all these other rating factors, gone are the days of "ballpark" quoting off the top of ones head. Your best bet is to either stay under your parents household or call Progressive. They can run a rate if you have a year make and model of a car. Just make one up if you don't have a car in mind but do remember that different cars cost different for insurance.
3. autoinsurance.bebto.com - I switched to this car insurance from them, cause it gives much cheaper rates in my area.
4. Asking an insurance company is the only way you may ever know the answer. No person here get the clear idea.Call around !