Best Cost Car Insurance

Why is 6 months of the cheapest car insurance $700? What would be the cheapest provider for me?

Details: Im 19, Had my license for 1.5 years, no accidents, live in an apartment with 2 room mates, good credit, have a 1997 dodge stratus es 4 door, and in college. What would be the cheapest provider to make it legal? Also, are there any tricks I can use to make it cheaper?

Public Comments

1. $120 a month isn`t bad Who is the ins. Co? and What coverage??
2. That's a pretty good rate for a male under age 25.
3. 700 is good for your age. you're 19, you're not going to get cheap insurance. when i was looking for insurance ( i just bought a car) i used geico, they were about the cheapest i could find of all the major brokers. you could try a locally owned broker, see if maybe they'll give you a lower quote. if you have a good gpa you can get a good student discount, which saves some money.
4. i am 18. i've been with farmers insurance for a year and its only $68.49/month for me & about $600 for 6 months. my car is a 94 BMW maybe thats part of why its so cheap. the other reason is with farmers you can fax in your GPA for a good student discount, as well as agree to watch a video on safe driving for another discount.after i did this and thats what knocked the price down to what it is now.
5. You might get cheaper rates if your parent insure you on their policy as a student.
6. At $700 for 6 months at your age with a stratus, you have the cheapest rates you could probably get. You might drop it a bit if you were willing to get rid of the stratus and drive a Taurus, but you wouldn't get that much of a savings if you did. Or, you could get married, that would drop it also. Otherwise hang in there until you hit the magic age of 25.
7. Your age and relative lack of driving experience is driving up your rates. Usually your rates won't drop until your married or age 25, whichever comes first. I suggest you vist Geico, esurance, Allstate, Progressive and State Farm's websites and get a quote. If the car is paid for you might want to drop Collision and Comprehensive if you have it-the car isn't worth a whole lot.
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9. That is a good price (I have seen 19 yr olds pay $3000/yr for insurance in rural New England). If the company writes homeowners insurance (not Progressive or Dairyland) call the agent & see if they will write a tenants policy for you. If the company gives multipolicy credit, you can save 10-15% on your auto policy. This will give you 2 policies for LESS than you would pay for just the auto policy. A tenants policy is a good idea anyway because it will protect you if you accidentally damage the apartment or if there is a fire or theft & your contents are damaged.
10. No doubt the easiest way to get insurance quotes is on the web. Why would you waste your time on the phone calling around? the last time i needed quotes on insurance i used one of these comparison sites and it was great. this is the site i used and it was quick like less than 5 mins. The last thing I want to do is listen to elevator music while waiting for a salesman. Anyway I got good quotes and ended up saving money so I was happy. So shop around and compare quotes which is easy on the net. Good starting point is at this site. http://insurance.deal4-you.com Good luck.