So I’m 24, I just purchased a 2012 jeep wrangler with 100,000 miles on it. The quotes I’ve gotten range between 400-900$ a month! My driving record isn’t great I’ve had about 3 accidents and 3 tickets since getting my license at 18. (I truly believe this is because I didn’t fully comprehend the driving laws, and procedures until about 21 because my parents refused to let me learn anything about driving until I was 18)
and before the jerks come on here saying “ if you can’t afford insurance you can’t afford to drive🤡” I have no choice I live in in DFW Texas and commute to work and college and the metroplex is not walkable. There has to be something I can do that is not illegal like lying to the insurance companies or driving uninsured.
Please give me some advice that doesn’t involve something unrealistic.(side note I graduate in a little under a year and should be able to afford it by then as starting salary for. T career are good and I’ll be 25)
>So I’m 24, I just purchased a 2012 jeep wrangler with 100,000 miles on it. The quotes I’ve gotten range between 400-900$ a month! My driving record isn’t great I’ve had about 3 accidents and 3 tickets since getting my license at 18. (I truly believe this is because I didn’t fully comprehend the driving laws, and procedures until about 21 because my parents refused to let me learn anything about driving until I was 18)
Your frankly abysmal driving record is more of a problem than anything else like age or gender.
Not fully comprehending the driving laws is not an excuse for so many accidents and tickets.
Go for the $400/month place.
People under 25 have shit rates because statistically their driving records aren’t great. You’ve made their case for them. The only thing you can do is shop for the best rate possible and suck it up until you’re 25.
> (I truly believe this is because I didn’t fully comprehend the driving laws, and procedures until about 21 because my parents refused to let me learn anything about driving until I was 18)
You had to take a written exam and a road test in order to get your license, correct?
>There has to be something I can do that is not illegal like lying to the insurance companies or driving uninsured.
Yes! Take the bus.
“But my commute will be longer!”
If it takes an hour longer every day but saves you $600/month then you’re getting paid $20/hour. Seems like a pretty decent rate for someone still in college.
Get the cheapest option you can and then drive better. The high cost is because you drive like a lunatic, not just because of your age and gender.
Is full coverage necessary? Are you mechanically inclined? Do you know the difference between bodily injury coverage and comprehensive/collision coverage? Did you know you don’t need both in some states?
Take a look at your Collision and Comprehensive coverages and increase the deductible on each. A $1,000 deductible may help lower your payment.
Rates in Texas have gone up immensely in the last year for whatever reason. Mine went up by 30%+ in a year and my record is perfect and I’m pushing 40.
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