Car Insurance Reductions

HImom
Fri, 19 Jul 2013 17:18:50 +0000

When we told insurers that we were having kids get driver’s permits and then licenses, they said, “Fine, no problem. No changes, as long as the kids didn’t have their OWN car.” Then, S had an accident and suddenly, they wanted him to have his own car & policy. We said this is really odd, since that’s not what you said and they said it was BEFORE he had an accident.

We finally found an independent insurance agent and had her find us policies that would not give us different answers and quotes every time we turned around. She switched us to a very reasonable policy, that covers H & me and our old cars for about $600/year, at maximum coverage. S bought his own policy for his own car in VA–I have no idea what the coverage cost, but believe it was MUCH more expensive for much less protection. For D, I pay for her insurance for her vehicle in Los Angeles. It is about $700 every 6 months for maximum coverage, which I think is pretty good (especially since she’s been driving less than 3 years and had one ticket). We expect her premiums will continue to drop with good behavior from her, as will S’s, since he is older (will turn 26 later this year & has no tickets and only one accident on his record, many years back & no injuries).

We like having an independent insurance agent coordinating all our policies so there are no gaps in coverage and we can turn to her if we have questions or any problems with claims. She’s quite competent and worth it, to us, as she’s saved us in premiums and we have excellent customer service.