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December, 2024

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Ways around high insurance rates

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yeetus_chund666
Posts: 107 - Karma: 232
insurance is going way up for new drivers and i was wondering if there is any way to get around this
Nov 18 2019 2:18PM
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HaydenB
Posts: 1074 - Karma: 8,186
Bus
Nov 18 2019 2:28PM
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eheath
Posts: 61710 - Karma: 124,306
Increase your age to 25.
Nov 18 2019 2:36PM
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theabortionator
Posts: 51961 - Karma: 166,251
Drivers ed class gets you a discount with mist insurance companies. Good for 3 years.

If your parents are willing jumping on their plan could save you some loot.

Otherwise not getting speeding tickets/crashing your car and getting older.
Nov 18 2019 2:39PM
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CatdickBojangles
Posts: 6210 - Karma: 63,066
Try Root. They have an app that tracks your driving and gives you rate based on that. But also being a new driver you wont get good rates no matter what.
Nov 18 2019 2:45PM
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TRVP_ANGEL
Posts: 12537 - Karma: 116,754
Just don't crash?
Nov 18 2019 2:50PM
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CLQ
Posts: 2709 - Karma: 11,261
I drive without insurance, its free
Nov 18 2019 2:57PM
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elcheapo
Posts: 3449 - Karma: 13,976
Use your cruise control 4mph over the speed limit. And don't drink and drive.
Nov 18 2019 3:00PM
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Biffbarf
Posts: 6812 - Karma: 72,759
Shop around or see if you can get on a family member's plan and pay them.

Some companies offer discounts for good grades if you're still in HS. Same for driver's ed.


Drive a low cost slow light weight POS.

Register your vehicle at a relative's in an area with less traffic

When getting quotes and buying, ask for the state minimum requirements and no more

Commit insurance fraud

Drive uninsured

Rip around on your lamborfeeties/chevrolegs

The world's your oyster
Nov 18 2019 3:37PM
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oldmanski
Posts: 3382 - Karma: 24,671
Stay on your parents plan for as long as you can!
Nov 18 2019 3:52PM
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OregonDead
Posts: 6955 - Karma: 25,163
Figure out how much money you can spend on a car and buy one that costs 1/2 that amount and then you can just use the cash plan. Buy whatever insurance is the minimum required by your state. Don't crash
Nov 18 2019 4:10PM
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PeppermillReno
Posts: 4867 - Karma: -817
Don't speed brah.

And the parents thing is almost always cheaper. It should go down very quickly if you don't fuck up. If not you are paying through the nose for the best part of a decade.

Don't get a DUI either. Don't take the breathlizer if you do. My homie blew a .12 at 1130 AM the NEXT morning sure he'd pass. Those shits are rigged for you to fail just like the field tests you are going to fail automatically regardless of what you do. Also watch out for weed DUI in any state where its legal. There is no way to test for it and every cop is itching to charge you with it and fill the for profit prisons. Remember the more a cop is violating your rights the nicer they are going to be to you if you are white trying to get you to say something incriminating.
Nov 18 2019 5:02PM
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goldlion
Posts: 51 - Karma: 71
ayyyyy this is my jam. cheapest way you're gonna get it (at least in my state/surrounding states this holds true): lately Progressive is killing it in the monoline auto insurance market - get a car you don't need full coverage on, and minimum liability limits required by your state, pay for the 6 months in full if you can (progressive offers paid in full, not sure about other companies) - they'll give you a discount if you have college education, are employed, do paperless (email documents only, nothing in mail), of course you dont have to have a college education or be employed but they won't check on this if you're lying. it's also cheaper to go direct with progressive than going to an insurance agency (rip for us insurance agents).



if you cant swing the paid in full (all at once), do monthly automatic payments from a checking account - only a $1 installment fee rather than like $4-8 each month for non-autopayments.

there's also a discount for 'snapshot' (their telematics program, meaning tracking your driving habits) - this can also negatively impact your rate if you're an aggressive driver and not knowing that threshold i dont know if i'd suggest that. gl tho
Nov 18 2019 5:55PM
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Casey
Posts: 7891 - Karma: 24,925
PeppermillRenoDon't speed brah.

And the parents thing is almost always cheaper. It should go down very quickly if you don't fuck up. If not you are paying through the nose for the best part of a decade.

Don't get a DUI either. Don't take the breathlizer if you do. My homie blew a .12 at 1130 AM the NEXT morning sure he'd pass. Those shits are rigged for you to fail just like the field tests you are going to fail automatically regardless of what you do. Also watch out for weed DUI in any state where its legal. There is no way to test for it and every cop is itching to charge you with it and fill the for profit prisons. Remember the more a cop is violating your rights the nicer they are going to be to you if you are white trying to get you to say something incriminating.


Your homie was drunk as fuck. He probably thought he would pass because he was shit faced and not thinking clearly.
Nov 18 2019 9:36PM
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PeppermillReno
Posts: 4867 - Karma: -817
CaseyYour homie was drunk as fuck. He probably thought he would pass because he was shit faced and not thinking clearly.


Yea but it wasn’t 7am and he took an Uber the night before wasn’t puking or anything.

I dont think those things are accurate. I could see someone blowing a big number off a sip of something strong.
Nov 18 2019 10:45PM
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yeetus_chund666
Posts: 107 - Karma: 232
thanks for the help! will buy a 2001 civic and hop on my moms insurance
Nov 19 2019 12:49AM
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Casey
Posts: 7891 - Karma: 24,925
PeppermillRenoYea but it wasn’t 7am and he took an Uber the night before wasn’t puking or anything.

I dont think those things are accurate. I could see someone blowing a big number off a sip of something strong.


Yeah that can definitely happen. The field BACs are only reliable enough to get you down to the station to blow into their big water bong thingy and that is considered admissible in court.
Nov 19 2019 12:57AM
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HypeBeast
Posts: 9820 - Karma: 72,983
If you're really trying to save money, just get collision only insurance which covers the other car but not you. Then participate in the stupid programs they have where you put the tracker in your car to see how you drive--will either raise or lower rates based on driving habits. Say you drive the least amount of miles you can select.

If you're getting full coverage, then actually having a newer car with more safety features can save you money because they have more collision avoidance systems than older cars.
Nov 20 2019 8:53AM
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uturn
Posts: 183 - Karma: 380
Move to New Hampshire no insurance required here
Nov 21 2019 7:55AM
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_____alfredo____
Posts: 1123 - Karma: 2,503
could always change your gender

https://www.cbc.ca/news/canada/calgary/change-gender-identification-insurance-alberta-1.4754416
Nov 21 2019 10:18PM
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xxACIDTRIPxx
Posts: 5980 - Karma: 8,175
Run faster
Nov 25 2019 3:45AM
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judmaster77
Posts: 176 - Karma: 227
Online driver safety classes, can do it in a day or two and it decreases your insurance by 10%
Nov 25 2019 3:59AM
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clorox
Posts: 1728 - Karma: 4,863
goldlionayyyyy there's also a discount for 'snapshot' (their telematics program, meaning tracking your driving habits) - this can also negatively impact your rate if you're an aggressive driver and not knowing that threshold i dont know if i'd suggest that. gl tho
BlumpkinPumpkinThen participate in the stupid programs they have where you put the tracker in your car to see how you drive--will either raise or lower rates based on driving habits.

Those things are known to let companies hit you with charges for going over a set speed, usually 70mph. 70mph highways and above exist. There also seems to be a low threshold for hard braking, so hitting the brakes at a yellow light can end up costing you. Unless you're the person that's always going 5 mph under the limit, I wouldn't recommend it.
Nov 25 2019 4:44PM
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Lonely
Posts: 6813 - Karma: 63,207
You must live in Michigan.

If not your insurance really isn't that high.
Nov 25 2019 5:01PM
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HypeBeast
Posts: 9820 - Karma: 72,983
finderThose things are known to let companies hit you with charges for going over a set speed, usually 70mph. 70mph highways and above exist. There also seems to be a low threshold for hard braking, so hitting the brakes at a yellow light can end up costing you. Unless you're the person that's always going 5 mph under the limit, I wouldn't recommend it.

Oh yeah I definitely wouldn't either. But if he's really struggling it could be an option. I drive like a maniac and well over my stated mileage so I would most definitely have my rates go up lol
Nov 25 2019 5:12PM
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elcheapo
Posts: 3449 - Karma: 13,976
I v lapsed on insurance and it's so expensive to get reinstated so not letting it lapse is one strategy to keep it low. Ended up calling about 15 different places and geico was the cheapest and gets cheaper every year with no blemishes on the record.
Nov 25 2019 6:45PM
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iced
Posts: 3070 - Karma: 17,980
https://www.newschoolers.com/forum/thread/872394/Show-Me-Your-Bikes-
Nov 26 2019 2:43PM
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iced
Posts: 3070 - Karma: 17,980
its worth it if you factor in the 10-20k upfront for a road bike (may or may not be true)
Nov 26 2019 2:44PM
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xxACIDTRIPxx
Posts: 5980 - Karma: 8,175
The referenced post has been removed.


Awesome!
Dec 28 2019 6:59PM
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