F*CK State Farm!
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sorry to say this but biggest thing you have against you is that you are young. On top of that, you have had a high frequency of incidents. Me, been insured with State Farm since i was 15, had a speeding ticket within 3 months of getting my lisence, but didn't effect my insurance. Had a speeding ticket 6 1/2 years later, then my accident a month afterwords, and I still have no problems with them. Ill be 23 in may, and I only pay $94 a month on the RSX, thats full coverage with rental car insurance too (learned after my accident). But if you neglect your insurance coverage (no matter if it is your fault or not, they dont like you being in the wrong place at the wrong time) a lot within a short amount of time, ESPECIALLY when you are young (I mean anyone under 25, mostly anyone under 18/21), you will pay out the ass.
Your not even 18 yet, I assume you didn't get your license until you were 16, so have been driving only 2 years, 3 accidents and 2 speeding tickets is a bad sign to the insurance agents. I'm not flaming you at all, your cool and all, but this is what they look at for their business perspective.
All in all, start shopping around, but with this much of a record, itll be hard to find another company to have a lower premium, let alone, even take you as a risk (we are all risks to them. PERIOD)
Ry
PS...I know this because of all my buddies who have had similar instances. Consider my friend who drives a 65 Mustang, got a speeding ticket on N. University doing 60 (actually was doing 70, but the cop was nice). He lost his license (his first incident too), and his insurance sky rocketed (I mean, they wanted $4000 for six months on the Mustang)....needless to say, he walked, got rides from friends for the rest of high school before driving and getting insurance again. He was only a Sophomore at the time.
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Country Insurance. Go in and talk to Brad Fleming. Actually, a good way to save your ass from paying to much is move to ND and get a ND drivers license THEN talk to an agent. Odds are they will only pull your ND record and if you are clean over here they may give you a normal rate.
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I am also with country insurance. Best rates in town and brad and his wife terry. I think thats her name along with the other guy that works there are all great to deal with.I have never had any problems with them. The claims adjuster for them who is brent is an asshole though. I suppose it's part of his job. I would also switch to nd license. When you go fill out the paper work list it that you had no prevous accidents or moving violations. Your record should then be clean. It was for many of my friends. Then learn to drive normal and you will get great rates.
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i have progressive on my maxima....and its great...cheap too for my driving record.
and for my gsx i go through Yonke Insurence on Main Ave.....its cheap...i can only drive my car so many miles a year for a certain price...try getting limited milage insurence...
....try to take out a personal loan at a differnt bank...pay off your loan...then you can get liability.:)
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97slowgsx wrote:
i have progressive on my maxima....and its great...cheap too for my driving record.and for my gsx i go through Yonke Insurence on Main Ave.....its cheap...i can only drive my car so many miles a year for a certain price...try getting limited milage insurence...
....try to take out a personal loan at a differnt bank...pay off your loan...then you can get liability.:)
you will still need collateral, chances are he would have to use his car as collateral and if so then he would still need to have insurance on it.
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I have Country through Brad Fleming also and they were the lowest rates out of the 20 quotes that i got. Ever since ive been working at a body shop i now realize how screwed some insurance companies are. Some companies dont blend panels, some companies use A/M parts and recycled parts only (unless there forced to use OEM). Just a few suggestions to ask your agent. I know that progressive does not blend panels in certain situations. Ive seen some progressive cars leave here looking like shit because they wouldnt allow us to blend the panels. In my oppinion i would check out country, and deffinetely stay far away from American Family. Good luck...
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I've ran state farm for 17 years now they have been GREAT to me even with almost running out of points in high school... the kicker DIDN'T HAVE ACCIDENTS even if it's not your fault 3 in 2 years says to them your not a good defensive driver....
progressive and other insurance company's without an agent to talk to locally are for those at high risk cheaper but have fun trying to make a clam... the body shop at the chrysler dealer i used to work for hatted that company and made the customer get the check before they'd start for the simple fact it was hard to get them to pay for repairs much less they had to prove that their aren't any junk yard parts that are available instead of new....
In fact I have a clam that just got oked but i'm not loosing my accident free discount being i've had it for over 10years so they are forgiving this one (plus how many clams were made cause of ice yesterday) in fact it's getting increased from 20% off to 25% discount
that should take me down into the mid $60/per month for full coverage instead of 70
but like chuck i'm getting 2 age discounts on that rate also -
Skrewed_Lude wrote:
I have Country through Brad Fleming also and they were the lowest rates out of the 20 quotes that i got. Ever since ive been working at a body shop i now realize how screwed some insurance companies are. Some companies dont blend panels, some companies use A/M parts and recycled parts only (unless there forced to use OEM). Just a few suggestions to ask your agent. I know that progressive does not blend panels in certain situations. Ive seen some progressive cars leave here looking like shit because they wouldnt allow us to blend the panels. In my oppinion i would check out country, and deffinetely stay far away from American Family. Good luck...North Dakota state law, you can take your car to ANY autobody facility to repair your vehicle to your standards.
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Sorry to here Joel. Dont sell it. LoL
Not to be a dick but maybe that will teach you not to speed.
Matt
92 Civic HB
JDM d15b w/14b@8psi
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Sorry about your experience there joel. I really think the kicker is accidents. I have state farm and my ins. is only $57/month/car. That's including 4 speeding tix in 3 years (2 of them were bullshit, but i got em non the less...they were "speed care required"...prolly gave it to me cause I have a fartcan...w/e) and losing my licience for 3 months (prior to being 18 = only have 6 pts.)...I only have 1 pt. now. By saying that, i'm thinking that you got kicked bc of the accidents, nothing else. just my opinion though.
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tjamz wrote:
North Dakota state law, you can take your car to ANY autobody facility to repair your vehicle to your standards.Very true, but 85% of progressives claims they source out used parts all over ND and MN and go A/M if not used. When there paying for the repair the insurance company will usually get there way. I have had State Farm and Country and both are great for different reasons, and Im sure progressive is good for some people, but ive deffinetely seen them screw some over pretty badly. A/M and Used parts and not blending panels is how they make there money.
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With my driving record progressive is the only insurance company that will insure me. My dad actually couldn't get insurance for awhile until I moved out of his house. Progressive did an awesome job with my WRX seriously can't tell it was wrecked as bad as it was and the only aftermarket part they were gonna buy was a radiator and i offered to pay the difference of 27$ and i got an oem.
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Skrewed_Lude wrote:
Very true, but 85% of progressives claims they source out used parts all over ND and MN and go A/M if not used. When there paying for the repair the insurance company will usually get there way. I have had State Farm and Country and both are great for different reasons, and Im sure progressive is good for some people, but ive deffinetely seen them screw some over pretty badly. A/M and Used parts and not blending panels is how they make there money.Ahh, but the quote is done by the shop. If the shop specifies OEM in its quote and you have the same shop do the work that did the quote, the shop will get the amount specified in the quote, if the shop fails to utilize the parts listed in the original quote they need to get permission by means of a change-order from the insured otherwise they are in breach of their contractual obligations.
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[QUOTE=Skrewed_Lude]Very true, but 85% of progressives claims they source out used parts all over ND and MN and go A/M if not used. When there paying for the repair the insurance company will usually get there way. I have had State Farm and Country and both are great for different reasons, and Im sure progressive is good for some people, but ive deffinetely seen them screw some over pretty badly. A/M and Used parts and not blending panels is how they make there money.[/QUOTE
95% of parts used to fix vehicles are aftermarket. What exactly is wrong with using a fender off of a car that happens to be in a junkyard? its all sheet metal, hell sometimes its not even metal. whats the difference where the hunk of metal came from? Any other business would source out the cheaper product and in this case quality is not even a factor.
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