Does this seem excessive? I’m currently paying $143 a month for my insurance, which is surprising because that’s actually more than what my girlfriend pays for her 2020 RAV4. If I opt to pay in full, it would amount to $732 for six months. I work a seasonal job during the summer where I’m often away for 2 to 4 weeks at a time, and I only get 2-3 days off before I have to return to work. I’m planning to discuss this with my insurance company. If you have any effective talking points or suggestions for other insurance providers, I’d greatly appreciate it!
EDIT:
KEY INFO
I’m 24, I drive a 2013 Nissan NV200, I’m from Texas but I’ll be working in Arizona, and I’m currently with Allstate.
It sounds like you’re dealing with a frustrating situation regarding your insurance costs. Here are some talking points you can use when discussing this with your insurance company, as well as some suggestions for other companies to consider:
Talking Points for Your Insurance Company
Comparison to Market Rates: Mention that you find your monthly payment to be high, especially compared to what others are paying for newer or more valuable vehicles, like your girlfriend’s RAV4. You can do some research on average insurance rates for a 2013 Nissan NV200 in Texas and Arizona to provide specific numbers.
Driving Patterns: Explain your seasonal work schedule. Since you’re away for several weeks at a time, you may not be accumulating as many miles as a typical driver, which could justify a lower premium.
Claims History: If you have a clean driving record with no claims, use that as leverage. A good driving history can often lead to lower rates.
Discounts: Inquire about any available discounts that you might not be currently utilizing. Discounts for bundling policies, safe driving, or being a good student (if applicable) could help reduce your costs.
Coverage Needs: Review the level of coverage you have. Sometimes, people pay for coverage they don’t need. Discuss possible adjustments to your policy that might lower your payment.
Competitor Rates: Mention that you’ve been looking into other insurance companies and their rates, and that you’re considering switching if they can’t provide you with a better deal.
Other Insurance Companies to Consider
Final Thoughts
Before you contact Allstate, gather your information, like quotes from competitors and data on your vehicle’s insurance rates. This will allow you to make a stronger case. Good luck with your conversation!