Best Cost Car Insurance

I need a good car insurance company I have 6 points and a chapter 7 in my credit report?

I have two cars one needs full coverage $500.00.00 deduc.at list, the car is a 2002 ford explorer and the other one is a 1992 dodge spirit /liability only. If you know about an insurance company that gives good coverage for a decent price let me know my current policy is $166.20 a month.

Public Comments

1. For 6 points @ 166 beans a month that's pretty good.
2. Your current policy is an average but still very good monthly payment. BUT you should know that it is high because of the explorer- this vehicle has numerous safety recalls issued by Ford Motor Corporation themselves. The insurance company is taking advantage of you because of this fact alone. So sell this quick! Buy a copy of Consumer Report's Guide to New and Used Cars and Trucks at your local book store for very detailed info on your Explorer. Down south I pay full coverage for 3 vehicles and it is just 1 payment of 184.63 for 6 months of coverage. Find that in NY state- not gonna happen ( those crooks! ). What aggitates me is why these insurance companies use your credit report for figuring out your insurance rates. I mean, how does having bad credit tell the insurance company what type of driver you are?!? Your credit report has NOTHING at all to do with how you or anyone else drives!!!!!!!!The reason for this is so that the insurance company can make even MORE money off of you and it is because they are looking at the high or low probability that you may make your payment to them on time or not based on your credit history..
3. Thar's not bad at all.
4. Well, you're looking to BEAT your current price with crappy credit and six points. Ain't gonna happen. MOST companies won't even write you, with six points and crappy credit. But, you're going to have to shop around. I'd suggest Geico, Progressive, Leader Infinity, and Windsor. They don't write in all states. There's no short cut. You need to shop around. But you're not going to beat your current price, I'll tell you that much.
5. 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 scorees and MOST run a motor vehicel 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. In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records. 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