Im an 19 yo f, ive been driving for a year now with no accidents or tickets- to say the least my record is CLEAN. I'm also a full time college student, part time worker, I live at home but my nana offered to rent out her finished basement to me. During that conversation we some how got into car insurance, i was with progressive at the time and I said my insurance was $500. My nana's jaw dropped, she told me shes paying $275 for two cars and two people and my dad was paying $325 for two cars and three people. It was just me on the insurance and my little used car that was only $6000 because it has a dent and torn up seats from the previous owner- but i dont mind because thats an easy cover up, it drives well, has Bluetooth, it's a good beginners car. I decided to check because I did remeber getting an email saying my insurance had went down, so I looked... it had went up from $500 to a little over $765/m. Many people told me off for not noticing but I am blessed to have a wonderful great grandmother who agreed to help pay for my insurance and in return get my AA degree and help her around the house- sounds fair enough to me. I went over to her house as soon as i left and asked her if she knew, in response she said yeh but i figured it was normal. I immediately start doing quotes that night, geico, state farm, AAA. In the end I went with AAA because i could get it $75 cheaper than geico (im also aware people dont like AAA but Ill take what i can). Out of curiosity I put in a quote for progressive and they give me a $325- which is a more normal rate, still high for one car, but better than what we were paying.
I have not been silent about this, for them to scam people who are in worse positions than me is awful, especially with the money they have. When I called I was told its because im 19, and all I had to say was so your going to take more than what I can afford to give when other agency's are willing and take into account I have bigger things to pay for than car insurance. My car is more than just transportation- it gets me to work, school, picks up family and groceries, when my maternal side kicked me out it's where i slept for a week. For some people having a car is a need because other means of transportation aren't an option or as easily obtained. They need to stop with these prices flat out, because i know it isnt just me paying for coverage i havent used yet and others say its almost impossible to get your coverage.