car insurance

Fine. If no one else will, I'll do it.

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I love this new one

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This one is great too

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What's up with your comma key?

...a little irrelevant...but ok....

The most important thing though is to pay that friggin' car off asap. Drop the full coverage down to liability.

I second that. That's the biggest pain in the ass of car insurance: being FORCED to have full coverage until you pay it off. I had something happen to my car and they still were BSing me saying that what happened was a collision even though I didn't run into anything!

The reason your rates are much higher are for two main reasons.
1. Your driving expeirence is only a 1/2 year.
2. No prior insurance.

With the few months you have had a lic. the ins companies do not have much of a window to see how your driving record will be and to get a perfered rate most want 2 to 3 years driving experience. With prior or current insurance they can look at your prior claim history which you do not have. You will have to bite the bullet for maybe 6 months to maybe a couple of years depending on your state. I would suggest that after you have had insurance for the first 6 months shop your rates again and see if you can get a price break for having the prior ins. Your rates may drop when you turn 25 depending on the ins co and your state ins regulations.

The best service out there (IMO) is USAA - however, you (or your parents) have to have been military at some point. The rates aren't bad - I think we're paying $1100/year for 2 cars with variable deductibles (depending type of incident).

As everyone else said, check out the biggies. When I was 16, I got plunked onto my Dad's State Farm account, which he has had forever. Converted to my own when I graduated from college, and have been going ever since. I think right now I'm paying less than $1200/year for 3 cars. Since you aren't over 25, and have only been driving for a short amount of time, it's going to cost you.

As far as car goes, I've heard really mixed things about CarMax. Some people have enjoyed the experience, while others have been completely screwed. Instead of the 05 Mazda, look at a slightly older Honda or Toyota with less than 100k miles. You'll be able to put at least another 100k miles on it (6-8 years, unless you're me, and that's 4-5 years), and as long as you do all the scheduled maintenance, you'll be good to go. And, if you've got 12,000 to spend, I'd spend 8-10k and use the rest towards the car insurance.

I have a 2001 Honda Civic with 135,000 miles, runs great, and I get 34-36 MPG mixed.

I second that. That's the biggest pain in the ass of car insurance: being FORCED to have full coverage until you pay it off. I had something happen to my car and they still were BSing me saying that what happened was a collision even though I didn't run into anything!
What happened to your car?

I've had State Farm for about 7 years and been fairly pleased with the rates and the service. The most important thing though is to pay that friggin' car off asap. Drop the full coverage down to liability.


PLEASE DON'T DO THAT!!! I don't know what the min coverage is in VA, but in WVA its 20/40/10, meaning 20 thousand per accident, 40 thousand per occurence. Sooo, if you cause an accident, they only pay the injured party up to 20 grand, which comes really really fast if anyone is hurt. THE MOST IMPORTANT INSURANCE TO GET IS UNDERINSURANCE. That means if the yahoo that hits you has minimum coverage, your own insurance kicks in. Sooo, lets say some idiot runs a red light and T-bones you. You're in the hospital with 15k in bills, and he's got the min coverage. He coughs up his 20k, and then your insurance will cough up some as well, but ONLY if you have underinsurance coverage. I hear what you guys are saying about "full coverage" but with some of the idiots out there, I wouldn't risk not being covered in the event of an accident. Medical bills and lost wages pile up pretty darn fast.