Car Insurance Help

USAA is the best if you are eligible (military, or parents in the military and/or parents were members). As others stated, though, you will get nailed for being 19 and for being a male. That won't change until you turn 25.

Check out Progressive and see if they can do anything for you. They also will show you some quotes from other companies in comparison.
Those quotes from other companies are about as accurate as Mark Brunell with a broken leg. Think about what they are saying. They will tell you if the competition is cheaper. Thast like going to buy a car and the sales man saying that you could go down the street and find it cheaper.

Allstate.

They're the cheapest from the quotes I got and have great reward programs and discounts, but from my experiences of people and deer hitting me, as well as a theft/vandalism in the ghetto of my car...they are the BEST when it comes to both customer service and fighting for you when the other person's insurance company won't pay up or admit fault. They once took legal action against the other person's company that wouldn't pay up after someone borrowed their customer's car and hit my wife when crossing over the middle of the road. Allstate paid me directly minus the deductible so we could get the car fixed, then took 6 months to go after the other company with a hearing in front of an arbitor that sided for us and forced the other company (Erie Insurance, WORST ever) to pay our deductible back. Allstate kept us updated weekly on their progress and never gave up.

Another time, some Hispanic lowlife bashed my car window in and stole the stereo along with all of the controls for heating and AC (during 100 degree weather in August). Allstate had a guy come to my house and fix the window in my driveway THE NEXT DAY, let me order a new (much better) stereo from Crutchfield and also had a Ford dealer replace all of the HVAC stuff. It was done quickly and didn't cost me a thing, in fact I came out better off since the stereo stolen was 4 years old and they paid me TWICE what I paid for it to shop for a new one. :)

You can't put a price on service like this, but...for me, their price is cheaper anyways. I even checked with Geiko and they would've been several hundred dollars more.

I'm married and over 25, but I pay $450 a YEAR for two cars to Allstate. Can't beat that.

(one of the cars is even red!) ;)

I should also mention State Farm completely screwed me over when one of their customers hit me head-on. What they gave me for my car was a joke.


I've always had Allstate and always will. They've always been GREAT to my whole family. It's the otther companies that have screwed me (or tried) when they have to pay for their idiot customers' mistakes.

Whatever you do, DON'T GO WITH ERIE INSURANCE. Seriously, they're the worst ever. I know other people who have had to go through legal battles to get paid when they're clearly the victim.

I should also mention State Farm completely screwed me over when one of their customers hit me head-on. What they gave me for my car was a joke.


I've always had Allstate and always will. They've always been GREAT to my whole family. It's the otther companies that have screwed me (or tried) when they have to pay for their idiot customers' mistakes.

Whatever you do, DON'T GO WITH ERIE INSURANCE. Seriously, they're the worst ever. I know other people who have had to go through legal battles to get paid when they're clearly the victim.
Are you sure your not the guy who does the Allstate comercials?

Give Mercury Insurance a try.

As everyone has said, you need to shop rates. To lower cost you may look at a higher
collision deductible. While you may have a good driving record what about GF? You'll be paying for any incidents she was involved with.

I'm an agent for Nationwide here in NC, the laws may be different, but you may not be able to put your girl's car on your policy....definitely check into that...and I too would check first with the company you are at now on your sister's policy...and DO NOT get the lowest Liability coverages they offer, try and get at least 100/300/100 limits. Feel free to send me a message if you have any questions about coverages.

As everyone has said, you need to shop rates. To lower cost you may look at a higher
collision deductible. While you may have a good driving record what about GF? You'll be paying for any incidents she was involved with.


Never even had a stop sign ticket

Are you sure your not the guy who does the Allstate comercials?

No, but I'd gladly take the job. :D