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Old 08-03-2011, 06:19 AM
 
Location: Tampa, FL
110 posts, read 242,477 times
Reputation: 77

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Does anyone have any suggestions/recommendations for affordable auto insurance for my 19 year old daughter? I got a few estimates from Progressive, Geico and a few others and I was SHOCKED!! Almost $300/month?? What young adult can afford that??

Any recommendations?

Thanks!
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Old 08-03-2011, 11:33 AM
 
Location: Myrtle Beach
3,378 posts, read 7,894,532 times
Reputation: 2928
Quote:
Originally Posted by Moni74 View Post
Does anyone have any suggestions/recommendations for affordable auto insurance for my 19 year old daughter? I got a few estimates from Progressive, Geico and a few others and I was SHOCKED!! Almost $300/month?? What young adult can afford that??

Any recommendations?

Thanks!

What is she driving and what is her driving history? You need to do the following.

  • Raise your deductibles as high as possible. Or remove comp and collision if its a cash car/beater.
  • Reduce PIP to the minimum levels possible. (If she has health insurance)
  • If she is going to school and has good grades, notify the insurance company. You will need transcripts to get the discount.
  • If she has not attended a safety driving course or driving instruction... have her attend.
  • Make sure you tell the insurance company she uses the car for PLEASURE not WORK.
  • Get a car that is not as new or is not as fast. Pick Ups, SUVs and 2 door cars are typically the most expensive to insure.
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Old 08-04-2011, 06:43 AM
 
769 posts, read 1,825,507 times
Reputation: 278
I had my own Geico policy when I was 20 and I was paying $180 a month for full coverage with $500 deductibles. I drove a relatively new 4 door sedan that was safe, had good credit by then (student loans and credit cards), had no traffic tickets or accidents, took a safety driving course, and had good grades.
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Old 08-05-2011, 02:21 PM
 
Location: Hot and Sticky Tampa
8 posts, read 23,909 times
Reputation: 17
I live in South Tampa and have a 17 y/o daughter. She drives a small SUV. I second everything FloridaKash said. She has great grades (got a discount for her GPA), raised the PIP deductibles and she did the driving course in school and with all that, her insurance for a year is $2400. We do have full coverage. I did not feel safe (being as litigious as south Tampa is) having any less cvg for insurance. And our car insurance is Amica - that was the cheapest quote from ANYONE.
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Old 08-05-2011, 04:56 PM
 
Location: Port Charlotte, FL
3,961 posts, read 8,519,684 times
Reputation: 1858
I just switched from Allstate to Met Life and saved $500 per year. Travelers gave a great quote too. I would call the local AAA office. They can give you quotes from several agencies.
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Old 08-06-2011, 06:10 AM
 
Location: Tampa, FL
1,389 posts, read 1,948,519 times
Reputation: 993
insurance rates differ for everyone, and everyone's experience will be different. call every insurance provider that covers florida drivers.

in my case, though, i moved to florida with state farm insurance, which was quoted at almost 4 times what i was paying in virginia for the same coverage. geico wanted a similar amount, as did travelers. i was able to secure the same coverages with progressive for a tad more than what i was paying in virginia (provided that i pay the 6 month premium up front as opposed to monthly).
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Old 08-06-2011, 08:12 AM
 
13,674 posts, read 9,329,089 times
Reputation: 4395
I don't know of any cheap auto Ins in FL. I pay $1600 a year for 10/20.
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Old 08-06-2011, 09:39 AM
 
2,763 posts, read 4,695,866 times
Reputation: 2764
Not state farm, that's for sure. For 2 cars 250/500 they wanted like 600 dollars a MONTH, thats even with me being a state farm customer for over 10 years... Even dropping it to 25/50 they still wanted like 350. We switched to USAA and now we pay 186 for two cars (one being new) also including renters insurance.
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Old 08-19-2011, 09:17 AM
 
1 posts, read 1,360 times
Reputation: 10
MONI74...I've been following your posts, since your decision making process in MN. I have been in the decision making process for about 8 mos now, I'm very interested in hearing how things have been for you, what industry you are in, how your child adapted, etc etc etc. I am in my late 30's and have an 8 yo.
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Old 08-19-2011, 10:03 AM
 
Location: Castle Rock, Co
1,614 posts, read 2,677,140 times
Reputation: 959
I have state farm and my price is the same as what pretty much everyone else has quoted me. After having geico and my wife being in an accident which requires an 85000 dollar surgery on top of the other 30k in bills that have accumulated and we had 100k uninsured/underinsured coverage and there trying to settle for 1,500 dollars. I would say stay away from them personally.
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