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octotron3000 OP t1_j6ktr92 wrote

Reply to comment by curtludwig in I have a financed car and less than 30 days before navy basic training. by octotron3000

I shopped between 3 companies and geico claimed this was the best they could do, do I need to be more aggressive on the phone with insurance?

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goofy_griddle t1_j6kv0q2 wrote

Honestly if you’re less than 25yo, that number would be reasonable/considered average. Have you been in any accidents ever (while you were driving)? Any speeding tickets? That would drive your rate up as well.

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octotron3000 OP t1_j6kw3y9 wrote

I'm 25 in VA, I've had accidents and tickets before but right now I have nothing that shows up on my driving record and I have +5, progressive wanted 550 for the same deal I'm getting with geico.

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goofy_griddle t1_j6kwtg0 wrote

So yeah, your insurance rate is reasonable and you likely won’t find anything cheaper in the near future. If you keep a clean driving record for the next year, you can contact your agent again to see if they would reduce the rate then.

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octotron3000 OP t1_j6kxilv wrote

Before I got my liscence I was under the impression that a males insurance didn't go down until 21, then when I turned 21 I learned it was 24, when I turned 24 I learned it was 27, will it ever go down for good?

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goofy_griddle t1_j6kxwlw wrote

Only if you maintain a clean driving record for good

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octotron3000 OP t1_j6kz0vp wrote

Dang it, no more temptations for sidewalk driving or bumper cars?

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curtludwig t1_j6kz6bc wrote

The magic number used to be 26. When I turned 26 my insurance dropped like $1000 a year.

Keep your nose clean though, your insurance company cares what you've done longer than the police do.

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octotron3000 OP t1_j6l0a4u wrote

Thank you for light at the end of the tunnel, I hate insurance so much, I was always told nobody wins until there is a total loss. Little scared to take that risk...

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curtludwig t1_j6n4hth wrote

It depends on your area too but a lot on your age and keeping a clean nose. Don't get tickets, they're easy to avoid.

In my mid '40s, 2 drivers on the plan, 3 cars, something like $1500/yr living out in the country. It definitely gets better.

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octotron3000 OP t1_j6nvh6x wrote

That's actually pretty good, yeah I don't have a problem either simply obeying the law, it just seems like it's going to take forever for that to get here.

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curtludwig t1_j6o2t4u wrote

Be careful what you wish for. 26 was a hard year for me, I'd already gotten married, passed the drinking age, voting age, gotten my license. Getting cheaper insurance was the last age related milestone I could see...

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octotron3000 OP t1_j6o9yv1 wrote

That's OK how much better could I really get, I belive the next milestones would be prostate exam and aarp magazines?

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octotron3000 OP t1_j6oa2vj wrote

Life is pretty melancholy regardless the age it's like lettuce it's already pretty bad but gets worse with time.

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adamthebeast t1_j6lxnnj wrote

It's definitely just the accidents and tickets. I'm 27, totally clean record, I drive a truck with a value of around 25k my insurance is like $120.

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