Getting an Auto Insurance Quote Before Being Fully Licensed
Hi there! I’m new to the insurance world and could use some help. I recently got my permit and purchased my own car. At 22, I’m eager to speed up the process of getting licensed, as not having a license or a vehicle is really putting a strain on my budget.
Just a bit of background: I learned to drive and got my permit at 16, but I never managed to get a car or license due to COVID. When I turned 21, I let my permit expire because I thought I wouldn’t need it again. Fast forward to now— I bought a car last week, and my dad is currently fixing it up; he just needs to replace the solenoid. Once that’s done, I’ll be on the road, brushing up on my driving skills.
Now, on to my question! I’m trying to get an auto insurance quote but can’t seem to find a place to do so. I reached out to Geico, but they only provided the cost for the day I’d sign up, not a monthly estimate. I tried Progressive and didn’t have any luck either. My dad mentioned there are plenty of sites that can give me a rough quote, but I can’t find any. Does anyone have recommendations for where I can get a ballpark figure for my auto insurance? Thanks for any help!
It’s great to hear you’re getting back into driving and have purchased your own car! Finding car insurance can definitely be confusing, especially when you’re getting started. Here are some steps you can take to get a rough idea of what your auto insurance might cost:
Comparison Websites: Use comparison websites like NerdWallet, The Zebra, or Compare.com. These sites allow you to enter some basic information and get estimates from multiple insurance companies at once.
State Insurance Department: Your state’s insurance department website may have resources that can help you understand average costs for different demographics, which could give you a ballpark figure.
Online Quotes: While you mentioned having trouble with Geico and Progressive, try other companies like State Farm, Allstate, or Farmers. Sometimes smaller local insurers may offer quotes online too.
Contacting Agents: If online quotes aren’t giving you what you need, consider calling an insurance agent. They can provide personalized quotes based on your situation and may be able to work with you to get the information you need.
Factors to Consider: Remember that your age, driving history, the type of car you bought, and where you live will all affect your rates. Since you’re new to driving and have a permit, this might be reflected in the quotes you receive.
Discounts for New Drivers: Some insurers offer discounts for safe driving courses or for young drivers under their parents’ policy. Check to see if any options like that might apply.
Local Community Forums: Since you’re quite new to this, also consider asking for recommendations and advice in local community forums or groups. Someone in your area might have recently gone through the same process and can share their experience.
I hope this helps you find a quote that fits your needs! Good luck, and safe driving!