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Old 01-23-2014, 09:15 PM   #1
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Cool Best Insurance?

Hey all! I'm new here. I'm a 19 year old female and I've always (always) loved Jeeps. I'm newly employed and graduated High school in May of '13.
I'm looking around for a Jeep to finally get. Do you all have any personal favorites for Jeeps? Last year in June I had a wreck where a little old lady slammed on her breaks when she wasn't paying attention and almost ran straight into a garbage truck. This cause my car to slide right under her Jeep Grand Cherokee, so of course my car was completely totaled and her Jeep was perfectly fine.
I've checked out Gieco, Esurance, Farmers, and All State. They're asking for $175+/monthly. I saw a lot of you are paying cheaper than that for insurance for your Jeeps. A little help here would be greatly appreciated!

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Old 01-23-2014, 09:33 PM   #2
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I'm pretty happy with our AAA auto insurance. I addition to the insurance there are a lot of benefits for members. My wife and I are someone older than 19, so our rates are somewhat lower than yours. All I can say is shop around. I do that every few years, just to see if my company is still a good deal to keep.

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Old 01-23-2014, 09:39 PM   #3
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Avoid the gecko. They do not take care of their own customers cars much less those unfortunate folks who get into an accident with their clients.
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Old 01-23-2014, 11:25 PM   #4
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I've been with state farm for over a decade with no complaints. ($70 /month for 4 vehicles).
I also have my homeowners policy with them which adds a discount. They also seem to have the most local agents.
You do have your age and a previous accident against you so your rates are not going to be that great for a while.
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Old 01-23-2014, 11:34 PM   #5
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Insurance is based on averages for others of your gender and age group, plus your own driving history. If that accident was on you then your rates are going to reflect it. I don't do any 1800 insurance companies. I have a relationship with the my local agent that I can talk to and have them shop around. Price isn't everything but it does matter. Talk to your parents, then talk to the company they are with - relationships matter and they can work wonders. But tickets and accidents will hurt, and sadly they now look at credit scores too.
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Old 01-23-2014, 11:38 PM   #6
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Try Progressive.
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Old 01-23-2014, 11:40 PM   #7
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Even with an accident, theres no reason why you should pay more than $50/month for limited liability coverage.

That said, i'm in the same boat as timberwolf and recommend state farm.
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Old 01-24-2014, 12:21 AM   #8
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Here is a list I've checked with already as of right now:
Gieco, All State, State Farm, Farmers, Esurance, Liberty Mutual, and Nationalwide. Most of them are asking $300+/monthly right now. I don't even know why I put $175 in my original post lol. The two violations I posted are literally the only things I have. I don't understand why it's so high?? I know being under 25 with 2 violations isn't super cheap but I think the prices they're quoting me at is ridiculous. I only have a part time job, do they expect me to be cashing in at 19 fresh out of high school?! Jeez I'm suck!
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Old 01-24-2014, 12:31 AM   #9
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http://www.safeauto.com/state-insura...auto-insurance

Here is some boring information about what georgia requires and provides a place to get another free quote.

Maybe the DMV can provide more information. You can also try to contact state drug and alcohol counselors as they will consult offenders on how to get back on the road within a limited budget and with marks on their record. Worth a shot at least, even though you arent an offender.
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Old 01-24-2014, 12:33 PM   #10
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I just got my lowest quote at $110 for limited coverage by American Family Insurance. Anyone have any experience with them?
Also thanks for all the help on looking around!
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Old 01-24-2014, 01:33 PM   #11
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I have Allstate and they've been really good with me. Though I am paying about $183 per month and $783 total for 6 months because of my driving record and because I have my husband also on my insurance. Plus I have the 0 deductible with a 50 mile radius of towing. Before I had my husband and every other option on it, I was paying about $560. I'm also looking for a possible new insurance for the vehicles and renters. Though with my record, I doubt I'll be able to get anything as low as what I'm paying now.

One thing you could try is go to your local bank and see what they can do. I know with Wells Fargo they will put you on the phone with someone who will talk you through different vehicle quotes based on your information. Just a thought. And welcome to the Jeeping life
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Old 01-24-2014, 03:11 PM   #12
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Are you a current or former military dependent, or a military reservist? If so, check out USAA. Both my father and I are retired military and my son (who has a few past driving mishaps on his record) is covered by USAA quite reasonably.
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Old 01-24-2014, 04:40 PM   #13
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I have USAA as my bank but I'm not in the military. I was injured in bct but didn't have to change banks. They were my first option but since I'm not serving I'm not applicable.
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Old 01-24-2014, 06:41 PM   #14
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I would not only look into rates, but also how well they pay the claims.
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Old 01-24-2014, 06:52 PM   #15
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I am shocked.....+$300. A MONTH for insurance? Not trying to rub anything in, but I pay less than $250. a month full coverage 4 vehicles and home. One is an old TJ, but the other 3 are a '12, '13, '14.....although the '14 and the '12 a very close in price...the '13 is the highest....one car 3 Jeeps.

We have been very happy with State Farm for many years.....and they have paid quickly with minimal fuss.

Might try a TJ "stock" , think that SHOULD be about the cheapiest for a JEEP......Good Luck!!
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Old 01-24-2014, 06:52 PM   #16
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You don't have to be serving yourself, just have someone in your family who was military, and had USAA for their insurance. I would check again just to make sure, but according to their TV ads, if you have a family member insured by them, then you're eligible.
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Old 01-24-2014, 06:59 PM   #17
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Jp- Thats what I'm saying! Its ridiculous.
Rouge- My dad was air force but he isn't with usaa, he's with progressive.
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Old 01-24-2014, 07:11 PM   #18
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Check with ins co about taking a remedial driving class to cut some points off your lic.
I too have been with State Farm for almost 20 years, but I'm 50 with 0 points
I pay $785 a year I have my home (2) 4x4 s a new Subaru and 2 Harley's with a $250 deductible.
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Old 01-24-2014, 07:39 PM   #19
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If you are going to use your Wrangler off road, then make sure that your policy states in writing, that you are covered against damage, OFF ROAD! Most think that they are, but if your policy doesn't state so, then GOOD LUCK........
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Old 01-24-2014, 07:45 PM   #20
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Quote:
Originally Posted by Old Dogger View Post
If you are going to use your Wrangler off road, then make sure that your policy states in writing, that you are covered against damage, OFF ROAD! Most think that they are, but if your policy doesn't state so, then GOOD LUCK........
Good point there, and I am due to my work.
I also have 2 bonds one for me and one for my wife
Also get a rider for STATED VALUE !
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Old 01-24-2014, 08:09 PM   #21
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It's your age and record. Sorry, but you're not going to get a rate like you're reading about in this thread. Obviously continue to shop around for the best you can find but you "youngins" are kind of screwed.
Any chance you can get on a policy with a parent? You can pay your own way and it may be a much cheaper option until you get into a better category.
Good luck..

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