Why is my auto insurance so high?

[vohkinne]

I know it is partially because of my age. I am 19 and I have only been driving for 3 months now. I drive a 95 Taurus and pay $126 a month ($770 for 6 months) for 50/100/25. I am getting a settlement for a car accident (NOT MY FAULT) I was a passenger in the front seat. I am planning on using some of the money to buy my moms 2002 Durango SLT 4x4. I got a quote from my insurance company for the same liability coverage plus collision and comprehensive and no matter what deductible I choose my quote comes to over $1250. I really dont want a car. The Durango gets the same thing I get with my car (my car has a lot of problems) and I can afford it. I just really hate driving something that sits down low. I dont like being blinded by big trucks with Xenon lights at night. Oh and I really dont like being charged extra because of what every other person does on the street. I dont text much. I only really check my phone 2 or 3 times a day. I dont want to speed the speed limit is fast enough for me I dont have any tickets or anything that would raise my insurance.

[vruyk]

hi there, i would have suggested getting "third party property damage only" type insurance, having it for a few years showing the insurance company that you don't claimTHEN buying a more expensive vehicle. what I know some insurers would take your third party only insurance history into account and give you a discount on comprehensive.

[jarl]

Nobody here knows. Simply keep comparison shopping.

Tip: Paying for insurance monthly is always more expensive vs 6 months or a year.

[dalon]

There are a bunch of websites where all you have to do is fill out a short form and they will give you an estimate from a bunch of different companies. You can choose the cheapest one from there. http://30secquote.info/ is a good one.