Carrier Grade

Carrier Grade

Which car insurance carrier should I go with?

I'm 17, so I've only been driving for a year. I've been looking around for a good qoute, but I can't pay more than 200 a month.
I'm driving a 2001 Toyota Corrola, and I have a 3.5 grade point average.

Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit score es and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.

The best thing to do is call a LOCAL independent agent. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.

An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

At ANY rate - you will NOT be able to have your OWN policy since you are under 18. You have to be at LEAST 18 to sign a contract and insurance IS a contract between you and the insurance company. So, talk with your parents and see what THEY want to do. You will either have to be added to THEIR policy or they can start a separate policy with you as the promary driver....depending on your State.

In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!

Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!

Good luck, drive RESPONSIBLY and I hope this helps



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