Best Cost Car Insurance

So whats the best car insurance company for a teenager?

Im a 17 year old boy and I just got my driver's license in maryland yay!!! only problem is that I'm the very first licensed driver out of everyone in my family. That means NOBODY in my family drives, not even my parents; I'm the very first licensed driver. So how would I get car insurance? how do I start an account or something? I drive a bright red 1999 for taurus. what would be the cheapest insurance company for me and how much should I expect to pay? thanx

Public Comments

1. You will probably get the best rates by going with your family's insurance broker. Most likely they will have their home insurance with the same broker that does their auto insurance, so this give them more clout in getting you a better rate when they add you to the plan.
2. The best thing to do is to research in your yellow pages an insurance company that represents many auto insurance companies. They will find for you that one that suits your needs. The better option would have been to get the insurance information as to which would be the best car to get for the cheapest insurance, but since you already have the car, you may pay a higher rate. Your age is against you, sadly. I recommend a first phone call to Geico.com and then go from there. You will have a basis to operate from by having one estimate. Good luck and congratulations. Please drive carefully. Usually young men for the first year or so try to show off, drive too fast, get into an accident, and pay dearly with bad marks on their driving record and also an increase in premiums. It also would be more difficult to get another insurance company to want to cover you. Your car is a tool to get you from point a to point b. Dont' speed to get there; gas lasts longer going the correct MPH, and you will be one happy camper when all of your friends are doing wrong things behind the wheel and you are using common sense.
3. When will you turn 18?? Typically, insurance rates are filed by the various insurance companies that are licensed to do business in your State, and they vary from State to State. The best thing to do is call a LOCAL independent agent. 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. In my agency, we have companies that specialize in young drivers and it is normally less expensive to be added to the parents' policy. Since your parents are not licensed, I presume that they don't have a policy to be added to.......so, what you might have to do is find a company that will EXCLUDE the named insured. Now all the "gurus" that hang out on this site, and lot of the other "know it alls" will say "OH YOU CAN'T DO THAT!!!!" but we have DONE that especially if the owner of the car is blind or has some other malady that keeps him them from driving. Since you are only 17, you won't be able to have your OWN policy since you cannot sign a contract until you reach 18 - and an insurance policy IS a contract. So, back to my original questions...WHEN do you turn 18? You might have to end up waiting until then if the company won't excluded your parents! I have used Progressive for many years, and if they are doing business in Maryland, they might be a carrier to contact. I am more familiar with the "independent agent" version of Progressive, but, don't see why they wouldn't write it direct by calling 1-800-PROGRESSIVE and explain the situation to them. 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'll find that MOST of them aren't going to insure a 17 year old by themselves. Oh....and no one really cares WHAT color your car is.....makes do difference in the rate (however RED does stand out MORE in a crowd! Good luck, drive RESPONSIBLY and I hope this helps.