FL = no insurance with no car + high rates?!!

[paulca]

It sounds like the insurance company you spoke to does not want to insure you. So they hit you with a huge premium knowing you won't pay it. Just go elsewhere.

[VeezyF]

Originally Posted by stugray

I get the feeling there is something the OP is not telling us.

Do you have any prior accidents or a DUI on your record?
Was your car getting totaled your fault?

i have no dui dumbass.

[stugray]

Originally Posted by VeezyF

i have no dui dumbass.

Sorry to ask a quesdtion fuckface....
I thought you were asking for help & suggestions.
I guess I'll be psychic next time

[Mad1723]

Originally Posted by VeezyF

i have no dui dumbass.

Careful here buddy. He was asking a question.

He's trying to help you figure out why your quotes are so high. If you can't answer some simple questions that could help us, then why are you asking?

So, for basic questions:

Age?
Employed?
Marital Status?
Was the wreck your fault?
Speeding tickets?

Lots of factors are counted with car insurance. My car was quoted for around 300$ a month on the first quote I received. I ended up paying 1/3 of that by shopping around.

Anyway, if you want help, be polite, answer the questions and don't act like you're the shit around here, because you're not. Everyone is equal, if you need help, be polite.

[radroach]

OP I was in pretty much the same dilemma, I just didn't carry auto insurance for years when I was in college and rarely drove. The only way I was able to even get auto insurance with State Farm was that I held renters insurance with them for a year, so they were like OK and shoehorned me in, but on an auto policy that's pretty pricey, luckily not as bad as yours.

My advice, and it's something I wish I had done, would be to buy a regular econo car and insure that for a year, and sell it and then get an 86, then you'll have no gap in coverage and have a better established record after your wreck.

[Tromatic]

Originally Posted by VeezyF

i have no dui dumbass.

Heh. Now we no why he gets high rate quotes. It's the "attitude surcharge".

[VeezyF]

Originally Posted by Mad1723

Careful here buddy. He was asking a question.

He's trying to help you figure out why your quotes are so high. If you can't answer some simple questions that could help us, then why are you asking?

So, for basic questions:

Age?
Employed?
Marital Status?
Was the wreck your fault?
Speeding tickets?

Lots of factors are counted with car insurance. My car was quoted for around 300$ a month on the first quote I received. I ended up paying 1/3 of that by shopping around.

Anyway, if you want help, be polite, answer the questions and don't act like you're the shit around here, because you're not. Everyone is equal, if you need help, be polite.

dont stick up for him did you ACTUALLY READ what he said? he's a douche and i called him out

I dont have any tickets. i had 1 at fault, which was a pot hole and the total was because my insurance was too lazy to order me new seats for my 2007 tiburon they didnt make anymore -- it was water damage / mold from sprinkler when it was vandalized/broken into .

I havent driven in two years because I was without a car that long. FL is a pita --

[VeezyF]

Originally Posted by Tromatic

Heh. Now we no why he gets high rate quotes. It's the "attitude surcharge".

she -

[Mad1723]

Originally Posted by VeezyF

dont stick up for him did you ACTUALLY READ what he said? he's a douche and i called him out

I dont have any tickets. i had 1 at fault, which was a pot hole and the total was because my insurance was too lazy to order me new seats for my 2007 tiburon they didnt make anymore -- it was water damage / mold from sprinkler when it was vandalized/broken into .

I havent driven in two years because I was without a car that long. FL is a pita --

First off: I'll stick up for him if I want to. The simple fact is he asked you a legitimate question. Tone down the attitude, won't get you anywhere.

Secondly: Thanks for giving us an explaination for the "total" of your car by your car insurance. Now we know it's not you that was at fault in that case and that you don't have any tickets.

Third: Did you do multiple quotes or just get one?

Also, you might want to follow some of the advices in this thread and get a beater to get your "insurance score" up a bit, might help to reduce the quotes and get a better deal.

And we still need to know how old you are, because that influences the insurance quote by a LOT.

[acg2010]

Originally Posted by Mad1723

And we still need to know how old you are, because that influences the insurance quote by a LOT.

Age won't affect it quite as much as a female. It's the "lapse" that's killing her. She's considered to have had no insurance, even though she didn't have a car. I've seen it happen to people who let theirs lapse for 30 days when they have no car - it skyrockets. It's a really stupid way of doing things, but I guess they assume that you had to drive SOME even if you didn't have a car.

[stugray]

Originally Posted by VeezyF

dont stick up for him did you ACTUALLY READ what he said? he's a douche and i called him out --

Ok so first I am a "dumbass" and now a "douche" for trying to help you by answering a question...

Here is what I posted:
"Do you have any prior accidents or a DUI on your record?
Was your car getting totaled your fault?"

And for that it is supposed to be OK for you to call me fucking names??

You ask a question on a forum, then you wait over a week before coming back to bash the people trying to help you?

How about you go fuck yourself.

[bakerr6]

lapse in coverage will raise your rates. Also a low/no credit history will cause you issues. For reference, my boat, crv, truck and frs cost $72 per mont. I have liability on the truck and boat and full coverage on the frs and crv.

In FL, my boat insurance was more than that. Now that I title it in OH, it's only an extra $6 per mo.

[extrashaky]

Originally Posted by bakerr6

For reference, my boat, crv, truck and frs cost $72 per mont. I have liability on the truck and boat and full coverage on the frs and crv.

In FL, my boat insurance was more than that. Now that I title it in OH, it's only an extra $6 per mo.

That's not a good reference because Ohio has the lowest average auto insurance rates in the country for 2014. Even if she did not have issues raising her rates, she would most likely still pay more than you.

Car insurance rates by state, 2014 edition

Ranking the states: Average car insurance premiums
1 Michigan $ 2,551
2 West Virginia $ 2,518
3 Georgia $ 2,201
4 Washington, D.C. $ 2,127
5 Rhode Island $ 2,020
6 Montana $ 2,013
7 Louisiana $ 1,971
8 California $ 1,962
9 New Jersey $ 1,905
10 Florida $ 1,830
11 Maryland $ 1,810
12 North Dakota $ 1,710
13 Connecticut $ 1,638
14 Texas $ 1,620
15 Alaska $ 1,605
16 Massachusetts $ 1,604
17 Delaware $ 1,580
18 Oklahoma $ 1,568
19 Colorado $ 1,558
20 South Dakota $ 1,557
21 Wyoming $ 1,541
22 Alabama $ 1,529
National average, all vehicles $ 1,503
23 Kentucky $ 1,503
24 Washington $ 1,499
25 Pennsylvania $ 1,440
26 Hawaii $ 1,400
27 Arkansas $ 1,399
28 Tennessee $ 1,397
29 Nevada $ 1,388
30 Mississippi $ 1,385
31 New Mexico $ 1,371
32 Illinois $ 1,370
33 Minnesota $ 1,360
34 Kansas $ 1,358
35 Oregon $ 1,333
36 Nebraska $ 1,317
37 South Carolina $ 1,316
38 Arizona $ 1,222
39 Missouri $ 1,207
40 Indiana $ 1,202
41 Utah $ 1,192
42 New York $ 1,173
43 Vermont $ 1,149
44 Virginia $ 1,114
45 Wisconin $ 1,087
46 North Carolina $ 1,060
47 Iowa $ 1,058
48 Idaho $ 1,053
49 New Hampshire $ 983
50 Maine $ 964
51 Ohio $ 926

I was glad to see Louisiana dropping down the list a bit. My insurance more than doubled when I moved from Tennessee to New Orleans. The drivers down here are easily the stupidest I have encountered in any of the nine states in which I've lived. It's really a wonder they don't have more wrecks. I can't figure out how they're able to see where they're going with their heads shoved up their asses.

[Karigan]

whoo hoo! I live in MI, and let me tell you just how fu(king awesome it is -_-
This is the first year I haven't paid over $2,200 for 12months of coverage.

I have a pretty complicated insurance history, though, since I've had a few points, a few small tickets, and have been married, but only insuring one vehicle (which jacks up your rate), among various other bizzar senarios.
Insurances consider a lot of different things when factoring their rates, and a lot of it is out of your control. It suuuuucckckkskksksk