Need a new Auto Insurance. Any suggestions?

GT4SOM · 11-05-2009, 10:55 AM

I'd like to hear what other insurance companies are out there. My main concern is that most of them check your driving history for the last 5 years. Are there any that only check for that last 3 years?

My current situation is that I'm under my folks policy and I usually pick up some of their coverage premiums for their cars. I'm 24 I don't live with them so I need my own policy. I had a "reckless driving" incident back in August of 2005. Then I got a speeding ticket in Oct of 2005. Since that last ticket, I haven't had any more violations. So I can say my driving record has been clean for the last 4 years and 1 month. All these other insurance companies IE Allstate and Geico check the last 5 years and I know those last 2 violations don't look pretty. Any advise?

BlackWind · 11-09-2009, 07:17 PM

im not sure if just anyone can get it, but if you can get usaa, they are by miles the best. Hell i paid 22 a month minimum insurance before i got my new explorer. Now for my tbird and explorer full coverage with rental car/roadside assistance i pay 105 and some change.

Prowlin_Pasco · 11-09-2009, 08:06 PM

A couple years ago I had Esurance...went along good until my premium started going up. First couple times it was maybe $50 for 6 months, then all the sudden it went up $300 for the next 6 month renewal. I had no changes in driving record, address, car, nothing at all. WHen I asked them why they wouldnt give me a straight answer so I dumped them.

Ive been with Geico for around 2 years now. They were a couple hundred less than Esurance. No complaints so far. I can do all my payments, policy changes, etc online.

I had Direct (Florida No Fault) for several years, but one year they never sent me a renewal form, so I shopped around and switched.

**Sabotage** · 11-09-2009, 08:35 PM

progressive only looks back 3 yrs

GT4SOM · 11-13-2009, 03:38 PM

Alright, I'll look into USAA tonight thanks! I think progressive checks the last 5 years but I'll confirm that again.

For a moment here, I thought all the TR people were uninsured lol.

**SayWhaa?** · 11-13-2009, 04:39 PM

she works at progressive so she'd probably know

**Sabotage** · 11-13-2009, 07:34 PM

yeah....its 5 yrs for accidents and 3 yrs for violations... thats for most states, some states its only 3 yrs period for both and i'm pretty sure fl is one of those.

Tampa's_Slow_EG6 · 11-13-2009, 10:38 PM

i have to renew this next week too.. im with assurance america.. i pay 75/month for been 20 and owning a civic not all that bad...

11-05-2009, 10:55 AM	#1 (permalink)
GT4SOM Feel teh rally bishes! Car: 1990 Celica GT Liftback Other ride: St-184 Turbo My TRGarage Riverview : 168322526	Need a new Auto Insurance. Any suggestions? I'd like to hear what other insurance companies are out there. My main concern is that most of them check your driving history for the last 5 years. Are there any that only check for that last 3 years? My current situation is that I'm under my folks policy and I usually pick up some of their coverage premiums for their cars. I'm 24 I don't live with them so I need my own policy. I had a "reckless driving" incident back in August of 2005. Then I got a speeding ticket in Oct of 2005. Since that last ticket, I haven't had any more violations. So I can say my driving record has been clean for the last 4 years and 1 month. All these other insurance companies IE Allstate and Geico check the last 5 years and I know those last 2 violations don't look pretty. Any advise?

11-09-2009, 07:17 PM	#2 (permalink)
BlackWind U.S. Army Car: My TRGarage : 1588396201	im not sure if just anyone can get it, but if you can get usaa, they are by miles the best. Hell i paid 22 a month minimum insurance before i got my new explorer. Now for my tbird and explorer full coverage with rental car/roadside assistance i pay 105 and some change.

11-09-2009, 08:06 PM	#3 (permalink)
Prowlin_Pasco has cheezburger Car: Chevy My TRGarage Pasco... : 499680466	A couple years ago I had Esurance...went along good until my premium started going up. First couple times it was maybe $50 for 6 months, then all the sudden it went up $300 for the next 6 month renewal. I had no changes in driving record, address, car, nothing at all. WHen I asked them why they wouldnt give me a straight answer so I dumped them. Ive been with Geico for around 2 years now. They were a couple hundred less than Esurance. No complaints so far. I can do all my payments, policy changes, etc online. I had Direct (Florida No Fault) for several years, but one year they never sent me a renewal form, so I shopped around and switched.

11-09-2009, 08:35 PM	#4 (permalink)
Sabotage slash Car: 09 xterra offroad, 91 toyota sr5 4x4, 79 caddy hearse My TRGarage tampa bay : 2147483647	progressive only looks back 3 yrs

11-13-2009, 03:38 PM	#5 (permalink)
GT4SOM Feel teh rally bishes! Car: 1990 Celica GT Liftback Other ride: St-184 Turbo My TRGarage Riverview : 168322526	Alright, I'll look into USAA tonight thanks! I think progressive checks the last 5 years but I'll confirm that again. For a moment here, I thought all the TR people were uninsured lol.

11-13-2009, 04:39 PM	#6 (permalink)
SayWhaa? they call me baby Jesus Car: My TRGarage : 2147483647	she works at progressive so she'd probably know

11-13-2009, 07:34 PM	#7 (permalink)
Sabotage slash Car: 09 xterra offroad, 91 toyota sr5 4x4, 79 caddy hearse My TRGarage tampa bay : 2147483647	yeah....its 5 yrs for accidents and 3 yrs for violations... thats for most states, some states its only 3 yrs period for both and i'm pretty sure fl is one of those.

11-13-2009, 10:38 PM	#8 (permalink)
Tampa's_Slow_EG6 Aka Slow_EH2 < LOL! Car: EG6 My TRGarage City Of Champions : 660737604	i have to renew this next week too.. im with assurance america.. i pay 75/month for been 20 and owning a civic not all that bad...