Car insurance help

Submitted by peanutbuttercandy8 t3_10gfre2 in massachusetts

I read through the posts on here about car insurance but couldn't find what I need. I'm looking for a car insurance company in Massachusetts that will give me a policy while I'm on a permit. I should have a license in a few months but i can't practice driving without a car. And none of the companies I've looked at will sell insurance to someone that doesn't have a license. Also I'm just loving the thought of spending 4-5k a year on car insurance. Yay Massachusetts

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lilbitspecial t1_j52ma0u wrote

Call an independent insurance agency and they may be able to help. Some of the bigger ones like Eastern Insurance, Kaplansky, Hub International and Cross Insurance work with multiple insurance companies and may have a company that can get you a policy. This is honestly your best bet rather than the national companies you see commercials for.

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Unique-Public-8594 t1_j52i3t4 wrote

The car owner with a license buys insurance.

You ask them a favor of using their car to learn to practice driving now that you have your learner’s permit.

They go with you.

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peanutbuttercandy8 OP t1_j52icb1 wrote

I own the car

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jkjeeper06 t1_j52jaid wrote

Do you have a family member who can add your car to their insurance plan?

Unfortunately the $4-5k(it shouldnt be quite that high) is not isolated to MA. All states except NH require insurance and new drivers are viewed as high risk and are charged accordingly

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peanutbuttercandy8 OP t1_j52jn2o wrote

My grandmother can add me to hers but I was hoping to avoid that. There's nothing legally that says I can't buy insurance. But apparently no one wants to sell to a permit driver. Even if I'm 25

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jkjeeper06 t1_j52k2t8 wrote

Have you tried some of the smaller insurance agencies like plymouth rock or Amica?

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peanutbuttercandy8 OP t1_j52l3zk wrote

I haven't but I'll look. I don't really know any other than the mainstream companies.

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PakkyT t1_j56yyv1 wrote

Her adding you to her policy will only cover you in her car, not your car.

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Quirky_Butterfly_946 t1_j52t8gn wrote

As far as learning to drive, you could go to a driving school who will pick you up at your address and show you how to drive well enough to pass your test.

That is the best way to go as insurance companies give discounts (usually) for those who complete the classes. They know what is going to be on the test, what you need to work on.

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peanutbuttercandy8 OP t1_j52tk99 wrote

I'm taking classes but only once a month. I was driving my grandmother's car everywhere with a supervisor bit she got a new car and gave me the old one. I don't want to drive her new expensive car so I have to get the old one on the road if I want to keep practicing.

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sweetheart4012 t1_j53qojy wrote

So if you own the car and don’t have an actual license, any company will add you as the insured. However, you will not be listed on the policy.

Meaning, you won’t be able to drive the car until you get your license. You cannot be added to a policy in MA with just your permit.

You’ll need to list someone with a license on your policy. That person should be in your car when you are driving it around.

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mikemerriman t1_j52jpod wrote

Just keep looking. You’ll find an insurance provider but it will cost you

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