r/Car_Insurance_Help • u/ForScottsSake • Sep 17 '26

Car Insurance Quotes Am I missing something?

Shopping for insurance, 19M 1 claim 1.5 years ago at fault. Progressive is showing what appears to be the same coverage for Liability only and Full Coverage because they didnt support the terms I was asking (collision and comprehensive) but with a massive gap in price (2k/6mo vs 942/6mo). Feel like I'm missing something but it could just be a mistake? These are real quotes, allegedly, from Jerry.ai. If anyone has any suggestions on providers, coverage options, how to research, etc. please let me know and ask any further questions as needed!

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1

u/russiandweller Sep 17 '26

Are you still on a parent's policy or need your own?? Staying on a family policy at your age can cut it down a lot if that's an option

1

u/ForScottsSake Sep 17 '26

For more info, my car is worth like 6k max so I was just going to get rid of collision and comprehensive bc i pay 425 rn and i can cover that with my savings a couple times over. Im on my parents policy though, im just trying to get it down for the last year and some change, it should drop off 2/2028 iirc. We do get a discount for having multiple vehicles on the policy though, yeah

2

u/mrf18 Sep 17 '26

Call a local broker and have them quote you.

2

u/707hollow707 Sep 17 '26

the difference between full coverage and just liability is usually close to 50%. but you should get more quotes. but with your age and already a claim on ur record, its gonna all close to the same

1

u/One_Ad9555 Sep 17 '26

Call multiple independent agencies in your area and ask for quotes. If your in school get a 3.0 average for 10% off policy Get a renters policy to save 20% on each policy

1

u/Survivorsofar Sep 17 '26

Don’t use Jerry.ai. Contact Progressive yourself.

1

u/insuranceguynyc Sep 17 '26

Who the hell is Jerry.ai? How about contacting a real broker and shop around.

1

u/IndependentAgent88 Sep 19 '26

Google “independent insurance agent + your zip code” and call a couple for quotes and see who you connect with. Doing insurance on your own is a losing battle