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goofy_griddle t1_j6kwtg0 wrote

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

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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