Does Any One Know About Cheaper Auto Insurance For Single Parents At State Farm. ?
im 19 years old with a 2 year old, and a agent told me my quote is 250 a month for full coverage on a lease. FYI I only had my license for 3 months and in nj insurance is way high. he says state farm has a program for single parents, that is why its much cheaper for me……im not sure if it is a scam and will the state of nj charge me once they find out i am paying so little.
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December 31st, 2009 at 6:42 pm
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December 31st, 2009 at 8:54 pm
Yes – State Farm offers a discounted rate for single parents under the age of 25. It isn’t a scam at all. It may be even cheaper if you take out another line of insurance, such as life insurance. Especially with having the baby – life insurance is important.
January 1st, 2010 at 12:00 am
full coverage on a lease and 19 thats the problem.. only thing one can do it make a few phone calls and find one lower but til you get 21 or older its going to be high and full coverage and new cars well its always going to be high
January 1st, 2010 at 4:40 am
did you tell them that you are single and a mother of 2? when my sister told state farm she was a single mother of 1 she got a discount. its worth a try! cant really hurt anything.
January 1st, 2010 at 6:01 am
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January 1st, 2010 at 8:29 am
There is no ONE insurance company that is right for everyone – everyone is rated individually – and all companies have different “likes and dis-likes”, different credit tiers, different business models, and many other factors that can vary your rate – and a QUOTE is ONLY a quote until the policy is issued.
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.
The best thing to do is call a LOCAL independent agent or broker. Don’t go across town, or to some other city – look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies. In NJ, you might look for an agent with the NJAAA logo as well!
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
In my agency, we have companies that do NOT run a credit score and welcome drivers with “less than perfect” driving records and specialize in youthful operators!
Most of the replies on this site say “go to this on-line carrier or that on-line carrier or that 1-800 number” but I’m sure that when you do, you will find some impersonal computer user with a script to work from and you won’t be able to talk with the same person every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this helps!
January 2nd, 2010 at 4:16 pm
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