Seeking auto insurance recommendations
Hey everyone,
I wanted to share my situation and see if anyone has suggestions.
I’ve been licensed since 2021 and unfortunately had my first at-fault accident in November 2022. Last month, in February 2025, I was involved in another accident. Prior to this most recent incident, I was with Wawanesa, paying around $350 a month for my policy, but they’ve since dropped me.
Since I typically travel short distances, I was considering switching to a non-owner’s policy until rates become more reasonable around November or December, when the 2022 accident will no longer be a factor. However, I’m open to other ideas. I looked into pay-per-mile insurance, but it seems that there are no options available in California.
I’d appreciate any advice or recommendations! Thanks!
It sounds like you’re navigating a tough situation with auto insurance after your accidents. Here are some suggestions you might consider:
Non-Owner Car Insurance: As you mentioned, a non-owner policy can be a good option if you don’t need to drive regularly. This type of policy can provide liability coverage when you’re using someone else’s vehicle, which could save you money in the short term.
Shop Around: Don’t hesitate to explore quotes from different insurance companies. While you may have been dropped by Wawanesa, other insurers might be willing to offer you coverage despite your accidents. Companies have different criteria for determining risk, so you might find a better deal elsewhere.
Consider a Higher Deductible: If you can afford to pay more out-of-pocket in the event of a claim, opting for a higher deductible could lower your monthly premium. Just ensure you can manage those costs if they arise.
Look for Discounts: Many insurance companies offer various discounts that might apply to you. For example, completing a defensive driving course, bundling policies, or having good credit can sometimes lead to reduced rates.
Gap Insurance: If you consider leasing a vehicle or financing, gap insurance can cover the difference between what you owe and what the car is worth if it’s totaled.
State Programs: Check if California has any state-backed insurance programs for high-risk drivers. These programs often provide a safety net for those struggling to find affordable coverage.
Usage-Based Insurance: Some companies offer usage-based insurance that tracks your driving habits. If you’re a safe driver, this may reduce your premium over time, although availability varies by insurer.
Consult an Agent: Sometimes, speaking with an insurance agent or broker can help you find options or coverage that you might have missed in your research. They can guide you towards the best policy given your unique situation.
Documentation of Driving Habits: If you can demonstrate safe driving habits over time (like no incidents after your accidents), this could help when you seek traditional insurance again.
It’s a challenging time for sure, but with some research and proactive measures, you can find a policy that works for you. Good luck!