Since you dont have a driving history in the US,you rates are bound to be high.Also, if you are less than 30 years old,your rates will be high.There's no way around that.

goosfraba · Apr 12, 2010 12:18 PM

Since you dont have a driving history in the US,you rates are bound to be high.Also, if you are less than 30 years old,your rates will be high.There's no way around that.

goosfraba · Apr 12, 2010 12:20 PM

So far Progressive has given me the lowest quotes and am with them on a six month insurance. My friend switched from Geiko to Progressive and had almost 50% reduction on his monthly payments. I'm not sure, but if this is your first time taking Auto Insurance, then your monthly payments WILL be high (I guess because since you don't have history, the companies assume you as a high risk client). But over the years, when u show them that you drive safe (no accidents or tickets) and pay ur $$ on time (no late payments), they will eventually lower your bill. Also, are you going for full coverage or just liabilities? If you have an expensive car , I'd suggest full coverage for peace of mind. Or, if u like me, have a trusty cheap vehicle (toyota, honda), just the liabilities should keep you on the safe side. I think liabilities mean that if YOU hit someone, then your insurance covers THEIR medical and repair bills (up to an extent, dont crash into a rolls royce :) ) but the damage on your car is on your own head. On the other hand, if you have just liabilities on ur insurance, and someone crashes into you, their insurance ends up paying for your damages. Its upto the cops to decide who's mistake it was. And in some states, remember that parking lot ma bhako accident ma dubai ko galti manincha. Comprehensive coverage, is the more expensive one, which covers you in (almost) all situations, unlike liabilities. The price differs from which plan you chose. ($0 glass, $100 deductible or no-glass, $1000 deductible). the $100, or $1000 deductibles mean if you crash your car, then YOU pay $100, or $1000 depending on what you chose, and the insurance company pays the rest. The $0 glass means that if your windshield (or any other glass window) of ur car is shattered, they fix it for free. Lastly, keep in mind that the insurance will pay ur bill if u get into a mess, but ur quote increases if u get into an accident. The quote, i hear, also depends on type of car, type of engine, color and year and make. Twin turbo engines are assesed at a higher risk than their normal counterparts. Hope it helped, and good luck choosing a suitable insurance agency. Cheers.

dekchidriver · Apr 12, 2010 12:27 PM

double post. Last edited: 12-Apr-10 12:30 PM

dekchidriver · Apr 12, 2010 12:28 PM

Yep and goosfraba is right: age also plays into consideration. when u hit 25, ur quote price is lowered. more so at 30 I believe.

dekchidriver · Apr 12, 2010 12:30 PM

Various things could effect your auto insurance rate. Check this article: http://insideautoinsurance.blo... It has some ideas on auto insurance.

bkshres · Apr 12, 2010 1:07 PM

Thank you everyone for the feedback.

rathapa · Apr 13, 2010 12:18 PM

I just switched (today) from GEICO to Progreesive and saved 146 dollars. One thing is sure from last 7 years - the more you shop, the more you save. and I have also found out switching to different compnaies in 6 months intervals or 1 year saves and gives you lowest rate. Its like different companies have different discounts and pragrammes. So do all kind of shoppings. Also, recemnndend for first time insurance users - add your name and vechile to alreday existing persons name, if they are willing to add you. THis saves money. Also, if u do a group insurance, it saves too. But there is a risk. Another, find some local and small insurance company or if not, find someone who is a licnesed insurer for other companies. They usually provide lots of discounts. One scenerio - my frd was unmarried, and the insurance guy put him married, saved a hugh amount.

STUPIDA · Apr 13, 2010 12:51 PM