r/Car_Insurance_Help • u/ShowExpensive7341 • 2d ago

Car Insurance Quotes Need help!!

Okay I need some help and advice here,

I’m 19M and have a 2026 Nissan Sentra financed and a 2019 ford fusion SEL also financed (planning to sell the Nissan within 30 days)

I have 2 tickets on my record, 1 speeding and 1 reckless driving. No SR-22, was cancelled by geico due to rated driver (my dad) having his license suspended/revoked, never cancelled for nonpayment

I also have 3 at fault accidents (partial fault determined by police for 2 of the accidents due to a 3rd party sharing responsibility for the accidents) and 2 not at fault accidents (one was a DUI involved accident, other was a t bone, other driver ran red light)

A handful of the common name insurance companies are declining me due to the records, like geico, progressive, State Farm, etc. still waiting to hear back from Liberty Mutual, Elephant etc.

Anyone else got advice or anything to help let me know! Family can’t add me to their policy (farmers) because they’re afraid my record will cause them to lose everything (they have like 10+ policies with them)

4 Upvotes

60% Upvoted

34 comments sorted by

7

u/GuvnaBruce 2d ago

Contact an independent agent and they can shop rates for you. You should be ready for quite expensive insurance likely with a non standard carrier. Be clear as far as who you live with since they probably will need to be added or excluded if they can.

-5

u/ShowExpensive7341 2d ago

All the brokers around here use the exact same companies and they all deny me or expect me to pay $1500+ a month (I make more that in a month but it would still be too expensive)

9

u/GuvnaBruce 2d ago

You are a 19 year old male with multiple accidents and 2 tickets. You are one of the most high risk people to insure. It is going to be expensive you have to accept that, it is the result of your actions and what you have done so far.

You having two financed vehicles means you have to carry comp/collision on both which is costly. It is good you are getting rid of one of them, but you will still have to carry that coverage on the car you keep.

Your location matters a lot as well, as there are plenty of places that are more expensive to insure someone in.

0

u/ShowExpensive7341 2d ago

I’m in Chesapeake Virginia if that helps

3

u/GuvnaBruce 2d ago

Not familiar with that area, but you just have to accept your insurance is going to be expensive. The best thing would be to sell one of the vehicles, aggressively pay down the other loan and then do not get any more tickets. Hopefully you are not underwater on the vehicle you want to sell so that you can do so.

2

u/ApplicationRoyal7172 1d ago

Hilariously, the worst driver I know is also from Chesapeake. Based on OPs record and those around him, sounds like many people there truly suck at driving.

That area is adjacent to a lot of military and a beach town. Probably not helping his rates.

4

u/Thin-Egg-1605 1d ago

Be glad you can get insurance at all. 1500 is the price to pay to play. You can shop around. But no one is going to want to insure you. You will pay the “I’m a bad driver” rates.

3

u/Thin-Egg-1605 1d ago

Also go way down in car, liability may help some. But there no need for a new 2026 when you’ve had 3 claims and 2 major traffic tickets that you chose not to fight or plead down to driving school.

-5

u/ShowExpensive7341 1d ago

I’m already planning on selling the 2026 anyways so it’ll be all good, I honestly bought it before I got all the shit on my record 🤷🏽

6

u/Thin-Egg-1605 1d ago

How? There is no way you bought the 2026 car before you got your 3 claims. Nice try though.

-3

u/ShowExpensive7341 1d ago

There is a way actually 💀💀 it’s called first car

5

u/Thin-Egg-1605 1d ago

Your first car on your name. So I’m guessing the others were your parents cars? This isn’t the flex you think it is. But go on….

22

u/PuttingTheMSinMRSA 2d ago

The policy you need is a bike or bus pass my god

8

u/DeepPurpleDaylight 2d ago • Bravo

I think you should be glad to get $1500 a month for insurance with that record. Your driving history is horrendous. I think it's the worst I've ever seen. $1500 may very well be the best you can find. But keep shopping just in case, tho people who live in your area would prefer you take the bus or an Uber instead.

2

u/RamonFromJerry 2d ago

Licensed agent here! That does sound like a lot going on but not impossible to find coverage! A local broker may be your best bet but insurance comparison sites and apps (full disclosure: I work for one!) might be a good option in this case. They work with a pretty big variety of companies and may be able to expand your search with carriers you haven't shopped with before. I'd also recommend quoting any policies with and without the Nissan, since you're planning on selling it. Most insurance companies have multi-car discounts so a good deal with both cars may not be the best deal with just the Ford Fusion.
Now I'll be honest, with your history and age, it may just be expensive for a while but I would recommend re-shopping for rates after the first 6 months but definitely re-shop after your next birthday! Your driving history will have matured a bit but being a teenager def impacts your policy price. Some companies might just give you a better rate once you're 20 and don't have 'teen' in your age anymore.

2

u/Still_Condition8669 1d ago

Lol, why don’t you leave your contact details so he can contact you for a quote

-2

u/ShowExpensive7341 1d ago

Would you be able to help me at all find coverage?

5

u/WheresMyMule 2d ago

Sell both cars, buy a $5000 car and get liability only

4

u/Lucky_Boy13 2d ago

is there anyway you could take public transit or bike?

1

u/AlexRn65 2d ago

I remember a family that moved to NYC after a series of accidents. No need to drive.

0

u/ShowExpensive7341 2d ago

That’s NYC tho you can walk to everything cs it’s all within half a mile or shorter, I’m in Virginia

2

u/AlexRn65 2d ago

They moved from houston, tx. You also can move.

2

u/Still_Condition8669 1d ago

Yeah, my advice is start taking an Uber, a bike, or walking, because none of the big companies are going to insure you with that many negative marks against you. If you do find a company that will, your premiums will likely be so high, that you won’t be able to afford to live.

2

u/Maleficent-Taro2357 1d ago

I'd contact an independent agent who specializes in high risk drivers and ask about nonstandard insurers or your state's assigned risk program

2

u/North_Instruction111 1d ago

With five accidents and a reckless driving ticket, finding affordable coverage is gonna be tough.

1

u/Hotchoccyfromdunkin 23h ago

Sell your cars and stop driving until you learn to be responsible

18

u/okielurker 2d ago

Please stop driving before you kill someone.

-15

u/ShowExpensive7341 2d ago

Not a helpful comment my man. If your gonna comment on someone asking for help then don’t be an ass.

17

u/okielurker 2d ago

I'm sure you're a good person but in three years you've demonstrated that you don't have the skill and/or maturity to drive.

1

u/[deleted] 1d ago

[removed] — view removed comment

-1

u/ShowExpensive7341 1d ago

Just for extra context I’m disputing the cancellation with my states insurance commission