Finding Affordable Auto Insurance in NY
Hey everyone! I wanted to share my situation to see if anyone has recommendations for affordable auto insurance. I’ve had two at-fault accidents, one in 2023 and another in 2024, and I currently have 10 points on my record (the points are from 2022). Right now, I’m with Geico, but I’ve been getting quotes from various companies, and they’re all coming in ridiculously high—around $8-12k per year!
I’m currently paying $5k annually for the lowest coverage available and I have completed a defensive driving course. If anyone knows of any insurance companies that could offer better rates, I would really appreciate your suggestions. Thanks in advance!
Finding affordable auto insurance with two at-fault accidents and 10 points on your record can be challenging, but there are still options. Here are a few suggestions you might consider:
State Farm: They are known for providing good customer service and might offer competitive rates for high-risk drivers.
Progressive: They often have various discounts available, including for safe driving courses or bundling policies.
Liberty Mutual: You may find some lower rates with them, especially if you’re eligible for any discounts.
Farmers Insurance: They sometimes offer flexible payment plans, which might help manage the cost.
High-Risk Insurance Providers: There are insurers that specialize in high-risk coverage. Companies like The General or SafeAuto might offer rates tailored for your situation, albeit still higher than average.
Online Comparison Tools: Use websites like The Zebra, Compare.com, or Gabi to compare rates across multiple insurers quickly.
State Assistance Programs: Some states have programs for drivers with difficult records, and they might offer lower rates than the traditional market.
Make sure to check for any applicable discounts, such as for bundling home and auto insurance or other defensive driving courses beyond what you’ve already taken. It might also be worth considering taking a break from driving if possible, as some insurers provide better rates after a certain period without accidents or violations. Good luck!