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Melvin Said:

Real Car Insurance Quotes?

We Answered:

most car companies don't do that (the major ones, geico, state farm, progressive), but esurance is known for changing their price after you buy it. some people i know even said that they dont tell you, they just take more out of your bank account.

Benjamin Said:

Why cant I get an insurance quote because i'm under 18?

We Answered:

You can get one. It's just that a lot of companies will not want your business due to the high risk exposure. farmers, state farm Geico,, None of those big name brand carriers will quote you a price for a standalone policy. You just don't qualify for those companies programs.

Farmers will give your parents a quote if they call and ask about adding you to their policy. But they won't just give a quote to you as a minor.

Other companies will give you a quote. You'll have better luck if you telephone a local independent agency. If you have a place like Insurance depot in your town you can get a quote there.

Also since your a minor you'll have to have your parents authorize and cosign any application for insurance. At your age though the cheapest way to get insurance is to be on your parents policy.

I just ran a quote for a 16 year old new driver on my quote software assuming a 1998 ford Taurus and a clean record and no driver discounts. 9 companies offered a quote. The cheapest for "liability only" was 189 per month, Same thing for a 1998 ford mustang base model was 199.48 per month. It's kinda high for new drivers. Defensive driver training and a good student discount brought the mustang down to 165 per month. Full coverage would be a lot higher. Depending where you live, especially if not in a major city, rates can be cheaper.

Just check around your area. You'll find much better deals on the phone or through your parents.

( "-" ) See, you just received your first quote..

Good Luck
General Insurance Agent