As a young person, eighteen and ready to move out and move on with our lives, we know nothing about car insurance quotes except that you have to have it. Deductible? (What?!) Collision? (I’ll try not to have one?) Most teens have no idea what they’re getting into, and unfortunately many parents decide to ‘help’ me by setting me up with their ‘Insurance Guy’.
Real life scenario: Young woman living down South. Getting ready to fly solo on her first insurance policy, her parents hook her up with their insurance guy. Now, Insurance Guy is nice, full of Southern charm and vaguely paternal. When our driver saw the price he offered for basic coverage, she said that she suddenly felt like she knew exactly how car insurance quotes worked- if they set the prices high enough that you can’t afford gas, you can’t drive around and get into accidents, right?
Still, she figured he had giant leather chairs and knew something about life that she didn’t, right? She sat in his office for three hours filling out paperwork while he explained why certain items cost certain amounts. It all made sense at the time, but that didn’t change the hollow feeling in bank account when she wrote out that check.
A year or two later she was in an accident, and the Ford Explorer she’d worked so hard to insure was on its way to that scrap heap in the sky. The accident was ruled no fault, but she cried when her new, improved (and significantly higher) car insurance quotes showed up in the mail.
Then that first magical relationship blossomed, and she picked up the phone to add her sweetie to her policy. Insurance Guy was helpful, but because of their ages, well….Did you know that people under twenty-four have to pay more per year in auto insurance than some people actually pay for their first cars? Two people in that age bracket on one policy…She was stunned, and it was then that it clicked that maybe relying on Insurance Guy to fill in the blanks wasn’t so smart after all.
She decided to go shopping for car insurance quotes online and found out that the best Insurance Guy’s agency had to offer wasn’t the best in the market by a long shot. Now, put yourself in this young driver’s shoes. How would you feel knowing you’d spent your entire twenties working your fingers to the bone to pay more for your insurance than any one person ever should have had to?
There are so many companies and products out there that it’s hard to know where to start. Getting easy-to-understand car insurance quotes online takes a lot less time than getting that snooze-fest lecture from kindly Insurance Guy. Lesson of the day? Shop around and find the perfect option for you! The best coverage will protect your car and still leave you with the cash to fill it up!