Getting an Auto Insurance Quote Before Being Licensed
Hey everyone! I’m new to the insurance world and could use some guidance. I recently obtained my permit and bought my first car. At 22, I’m eager to get this process moving along, as not having a license or a car has really taken a toll on my finances.
Just a bit of backstory: I learned to drive and got my permit at 16, but I never got a car or license due to COVID. When I turned 21, I decided not to renew my permit, thinking I wouldn’t need it anymore. Fast forward to now—I purchased a car last week, and my dad is currently fixing it up; we just need to replace the solenoid. Once that’s done, I’ll be out on the road practicing my skills.
Now, onto my main issue: I’m trying to get an auto insurance quote, but I’m hitting a wall. I reached out to Geico, but they only provided the upfront cost when signing up, not an estimate of my monthly payments. I also tried Progressive with no luck. My dad mentioned that there are plenty of websites where I can get quick ballpark quotes, but I can’t find any. Can anyone point me in the right direction? Thanks in advance!
It sounds like you’re going through a lot with your new car and getting back into driving! It’s great that you’re looking to get insurance sorted out quickly. For estimating auto insurance costs without a license, you might consider a few options:
Insurance Comparison Websites: Websites like NerdWallet, The Zebra, or Compare.com can provide ballpark estimates for auto insurance by entering some basic info about yourself and your vehicle. This might give you a better idea of what to expect.
Direct Insurer Websites: Some insurers allow you to get a quote without being licensed, though it can vary. Try entering just your permit details or reach out to customer service for help.
Local Agents: Sometimes, a local insurance agent can provide more personalized assistance. They can take your unique situation into account and help you find the best rates.
Discounts for New Drivers: Since you’re new to driving, some companies offer discounts for completing a driver’s education course or for safe driving habits. Make sure to ask about any potential discounts.
Test Quotes with Different Scenarios: If you can, try to enter different scenarios (like with your permit only) to see if that makes a difference in the quotes you receive.
Hopefully, one of these options will help you find a ballpark figure for your insurance! Good luck with everything, and happy driving!