21 Car Insurance

I’m 21 year old, male, college student. I just got my driver license. This is my first time getting car insurance since I had never needed it before.
I need insurance for a 2007 Mazda CX-7 or 2007 Toyota RAV 4 (full cover)
For live in TEXAS
I live in TEXAS

You'd have been better off getting your license a few years before you got your first car.

If possible, you'll probably do better dealing with your parent's insurance agent. If your parents are good clients, they'll probably do what they can to help you get a good rate as a favor to your parents.

A saying in the industry is with a new driver who has their own car, it's not a question of if they'll have an accident, but how bad it will be. That's based mostly on kids who are 16-18 years old. The fact you're 21 should make you a more mature and safer "risk". But you're still inexperienced.

In insurance, "boring and responsible" are good things. A good credit rating helps. In my neck of the woods, many companies reserve their best rates for people who carry above average limits of liability. This would be more likely to help you after you've got a couple of years of experience, but
asking for options above the state minimum for liability might score you some responsibility points with your agent.

See how higher deductibles will affect your premium. a $500 deductible for collision is probably a no brainer. A $1000 (or even higher) deductible may make sense for you - part of it will depend on the area where you live.

Areas with lots of people and lots of ice and snow tend to have higher rates than more rural areas with warmer weather.

The guy who told you to change companies often is wrong. You're better off building a long term relationship with an agent because if/when you do have a problem, a long term relationship means you're more likely to get better treatment, and they're less likely to drop you.

2007-09-29 23:30:34 by amenhetep

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How much would car insurance cost for a 21 year old female? (for a new and unused car)

If you are financing it'll be possibly $200 or more, depending on what car. There are all kinds of cars and they all have a different price.
You can get a quote here, it's free http://autoinsurance.guidearticles.com/i ndex.htm?id9009
or even here http://123automotive-insurance.solutions articles.com/compare.php?id=dee3

2009-03-15 16:04:36 by Loen872

I'm 20 and my car insurance is going up because of my car tickets that i have gotten and my agent say that it will go down when i turn 21 but i like to know how much?

Most policies give a reduction at 21 years of age.
There are things you can do to make yourself more attractive to insurance companies. By driving carefully and keeping your DMV record as clean as possible, you can keep your premiums low.

2007-11-04 14:56:17 by keosha c

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I am looking for an insurance company that will allow me to drive another car third party with me only being 21.

I think you can get it from http://www.car-insurance.moneysavecenter .com?id=ap3

2009-04-24 15:36:11 by Sam

Need help, being going thru all the quotes. Ranging from 470-540 for third party fire and theft. I am driving an older car so I dont need full cover. Just wondering if anyone can tellme over car insures in victoria aus other then aami, just car, racv and gio.

Try Shielas Wheels.

http://www.dontshopalone.co.uk/shielas-w heels.htm

2008-04-27 04:45:17 by Rachh