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NJ Recommended Insurance companies for 18-22 year olds?
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06-02-2006, 12:57 AM | #1 |
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NJ Recommended Insurance companies for 18-22 year olds?
My girlfriend and I are trying to get insurance for the cars on our own. shes 18 and I am 21.. I tried a few online quotes and I am getting anywhere from 3500-6000 $ for 6 Months. I have a few tickets. But even on her, she is 18 and she has a clean driving record, and still quotes are coming back at like 4K for 6 month policy. Anyone know where I can get her like 2-3K on a new Car for the whole year. Like $1,500 for 6 months not 6K damnit
What are some of you younger drivers paying on your own policy in NJ??
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06-02-2006, 01:04 AM | #2 | |
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06-02-2006, 01:16 AM | #3 | |
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06-02-2006, 01:24 AM | #4 |
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start today for $1,199.50 -- or -- $4,450.00 paid in full Economy start today for $1,364.75 -- or -- $5,041.00 paid in full Recommended start today for $1,389.00 -- or -- $5,125.00 paid in full Plus start today for $1,520.75 -- or -- $5,613.00 paid in full Policy Coverages Primary or secondary insurer for PIP Auto insurer primaryHealth insurer primary Limitation on lawsuit or no limitation on lawsuit LimitationNo limitation Bodily Injury $15,000 person/30,000 accident$25,000 person/50,000 accident$50,000 person/100,000 accident$100,000 person/300,000 accident [$702.00]$250,000 person/500,000 accident$100,000 Combined Single Limit (CSL)$300,000 Combined Single Limit (CSL)$500,000 Combined Single Limit (CSL) Property Damage $5,000 property damage$10,000 property damage$25,000 property damage$50,000 property damage$100,000 property damage [$448.00] Uninsured/ Underinsured Motorist Bodily Injury $15,000 person/30,000 accident$25,000 person/50,000 accident$50,000 person/100,000 accident$100,000 person/300,000 accident [$36.00] Uninsured/ Underinsured Motorist Property Damage $5,000 ($500 Deductible)$10,000 ($500 Deductible)$25,000 ($500 Deductible)$50,000 ($500 Deductible)$100,000 ($500 Deductible) [$20.00] Personal Injury Protection (PIP)-Medical Expense $15,000 ($250 Deductible)$15,000 ($500 Deductible)$15,000 ($1,000 Deductible)$15,000 ($2,000 Deductible)$15,000 ($2,500 Deductible)$50,000 ($250 Deductible)$50,000 ($500 Deductible)$50,000 ($1,000 Deductible)$50,000 ($2,000 Deductible)$50,000 ($2,500 Deductible)$75,000 ($250 Deductible)$75,000 ($500 Deductible)$75,000 ($1,000 Deductible)$75,000 ($2,000 Deductible)$75,000 ($2,500 Deductible)$150,000 ($250 Deductible) [$1,099.00]$150,000 ($500 Deductible)$150,000 ($1,000 Deductible)$150,000 ($2,000 Deductible)$150,000 ($2,500 Deductible)$250,000 ($250 Deductible)$250,000 ($500 Deductible)$250,000 ($1,000 Deductible)$250,000 ($2,000 Deductible)$250,000 ($2,500 Deductible) Extended Medical Payments I choose $1,000 (included at no additional charge) [$0.00]I choose $10,000 PIP Non-Medical Expense No CoverageBaseOption 1 - Driver 1/SpouseOption 2 - Driver 1/SpouseOption 3 - Driver 1/SpouseOption 4 - Driver 1/SpouseOption 5 - Driver 1/SpouseOption 6 - Driver 1/SpouseOption 7 - Driver 1/SpouseOption 8 - Driver 1/SpouseOption 9 - Driver 1/SpouseOption 10 - Driver 1/SpouseOption 11 - Driver 1/SpouseOption 12 - Driver 1/SpouseOption 13 - Driver 1/SpouseOption 14 - Driver 1/SpouseOption 15 - Driver 1/SpouseOption 16 - Driver 1/SpouseOption 1 - Driver 1/Spouse/Resident RelativesOption 2 - Driver 1/Spouse/Resident RelativesOption 3 - Driver 1/Spouse/Resident RelativesOption 4 - Driver 1/Spouse/Resident RelativesOption 5 - Driver 1/Spouse/Resident Relatives [$25.00]Option 6 - Driver 1/Spouse/Resident RelativesOption 7 - Driver 1/Spouse/Resident RelativesOption 8 - Driver 1/Spouse/Resident RelativesOption 9 - Driver 1/Spouse/Resident RelativesOption 10 - Driver 1/Spouse/Resident RelativesOption 11 - Driver 1/Spouse/Resident RelativesOption 12 - Driver 1/Spouse/Resident RelativesOption 13 - Driver 1/Spouse/Resident RelativesOption 14 - Driver 1/Spouse/Resident RelativesOption 15 - Driver 1/Spouse/Resident RelativesOption 16 - Driver 1/Spouse/Resident Relatives Select PIP Non-Medical Expense Coverage Vehicle #1 - 2006 BMW Z4 3.0SI Comprehensive No Coverage$100 Deductible$150 Deductible$250 Deductible$500 Deductible [$355.00]$750 Deductible$1,000 Deductible$1,500 Deductible$2,000 Deductible Comp may be required.Why? Collision No Coverage$100 Deductible$150 Deductible$250 Deductible$500 Deductible [$2,857.00]$750 Deductible$1,000 Deductible$1,500 Deductible$2,000 Deductible Coll may be required. Why? Higher coll coverage may be required. Why? Rental No Coverage$30 per day ($900 Max) [$14.00]$40 per day ($1200 Max)$50 per day ($1500 Max) Roadside Assistance No Coverage [$0.00]Selected Loan/Lease Payoff No Coverage [$0.00]Selected -------------------------------------------------------------------------------- Select a payment plan for your 6 month policy Pay in full - $5,125.00 (includes pay in full discount) Start a policy today for $1,389.00 (automatically withdrawn from your checking account) Select a different payment plan
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06-02-2006, 01:28 AM | #5 |
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Vehicle #1 - 2006 BMW Z4 3.0SI
WTF?! If you guys raise your deductible, it should go lower, albeit I don't know how much. But yeah, everywhere is pretty much the same when you're young. |
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06-02-2006, 01:32 AM | #6 | |
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06-02-2006, 01:33 AM | #7 |
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Your auto quote request is valid through midnight on 06/02/2006. Some of the coverages in this quote have been pre-selected. To change coverages, click the "Change Coverages" button at the bottom of this page. Please call to find out if you are eligible for additional savings.
12 Month Premium: $7,886.00 Buy Now! 1-800-837-5254 Many of our competitors only offer their customers six month policies. When contacting us, please provide the following Quote ID: D9Z-22841-38395
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06-02-2006, 01:45 AM | #8 |
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Are you leasing with BMW Financial? I believe the deductible can be up to $1000.
Doesn't Geico insure NJ drivers now? You can try them.
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06-02-2006, 01:48 AM | #9 | |
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06-02-2006, 01:53 AM | #10 |
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Being a former Marine and dependent of a former Marine:rocks: see if you have a family member like your dad or even mom thats a veteran some insurance companies give breaks, that might get you a better quote...but man 6000 dollars is your agent offering anything on the side for that kinda money sheeesh
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06-02-2006, 02:11 AM | #11 |
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So did you get the car before checking the insurance rates? not a wise move but hey.....I am from NJ and was on my own insurance and it kicked my ass but I bought a car that insurance was not going to the same payment price.......If all else fails join the military and go USAA......three cars (06 325;97 Blazer; 89 325i) plus renters insurance for 2300 a year (500 deductible on the 06)
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06-02-2006, 02:43 AM | #12 | |
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06-02-2006, 03:07 AM | #13 |
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Question. Any reason not to stay on parents policy? She would say a bundle and the age is what it killer. You will get better rate reduction when you are over 25 and your car is a little older. Always have continuous coverage since they will ask that and if there is a gap its like you never had insurance. I tried to find something but no luck. Good luck to both of you.
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06-02-2006, 12:19 PM | #14 | |
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no we didnt buy a car before we got insurance.. Both our 3s are insured, hers on her dads, and mine on my moms. But we really wanna pick up a Z4 Vert. and we cant add another car to either policies with out the insruance companies geting weird.. you know how they get.
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06-02-2006, 12:24 PM | #15 | |
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06-02-2006, 12:52 PM | #16 |
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Check AIS.com.. they have good deals. They hooked me up with Mercury.
My Record: 100+ speeding ticket (suspended license) Totalled Infiniti G35 (my fault) 2 more speeding tickets and lastly 1 accident I currently pay $800 / month But I'm also 25 years old... i'm sure that makes a difference.
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06-02-2006, 12:59 PM | #17 | |
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06-02-2006, 12:59 PM | #18 |
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Yeah you reached the qualifying age for better discounts. Drivers Ed certificates or school always help and if you are still in school they might offer a discount. The best discount is to be married, over 25, multi car, home insurance and of course no tickets or accidents in the last 3 years. Since you guys are still on your parents policy, do you have yourself listed on the older car and your parent(s) on the BMW? Take yourself off as the primary driver and your rate should go down. Increase deductible to the highest limits that you can tolerate, deny rental coverage, and state that the car will be used for pleasure and not for work or school. Distance traveled is considered.
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06-02-2006, 01:19 PM | #19 |
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Do either of you own property? My insurance dropped for some reason when I put that on my record.
Anyway, I'm 25 and my policy is about $2700/yr. With all the tickets I have on my record now I don't think I'll ever be able to switch insurance companies. |
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06-02-2006, 01:23 PM | #20 |
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try geico. Go with $1000 deductible (which makes sense because you shouldn't claim for small repairs....). I got a quote and got $600/6 months
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06-02-2006, 01:25 PM | #21 |
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I was in a bad accident last year (17k worth of damage to my previous car), so my insurance is insane...almost 5k /year. geico was the cheapeast however. by a few hundred bucks.
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06-02-2006, 01:32 PM | #22 |
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Artz, if you guys elope this weekend you'll get lower rates!! Make an honest woman of her already! (you hate my guts now don't you... because she's going to see this post and then get "that look" in her eye).
I guess I shouldn't tell you that I pay less than $800 per YEAR. When I was young (I was once, you know) I had GEICO and they were pretty reasonable.
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