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Hi people! I need help please... Im 21! Im from Brooklyn! Im gonna buy car, used one, 2005-2007, I want to know, im a new driver, just got my driver license, and I dont know, i have no idea about insurance, i need some cheaper insurance, im a student, thats y i cant pay a lot for insurance! Please help me, give me some advice, and I want to know, how much i will cost, just about... Thank you ! ! !
Get on the phone. Make a half dozen calls to a half dozen different automobile insurance agents and request a rate quote.
Hmmm...let's see...calling insurance agents to get insurance rates. Who would've imagined? This thread is another sterling example of internet-soaked kids who cannot think for themselves.
Hmmm...let's see...calling insurance agents to get insurance rates. Who would've imagined? This thread is another sterling example of internet-soaked kids who cannot think for themselves.
When I was a teenager, my parents bought a house in the suburbs of New Jersey. I hated it; vowed to move back to the city--which I did after I got my first job out of college.
I chose a neighborhood convenient to the subway, then went to the station agent (although they were still called token clerks in those days) and got a subway map. Learned the system by myself, without the aid of a hand-held electronic doodad.
And when I was in school, I knew how to write an report--using words I knew how to spell correctly--by doing research in an actual library. Them days are gone!
Not sure if this will help, but get prepared to get screwed. Insurance rates in NYC, especially for a 21 year old, are high. It is high for even those with a clean driving record, which I pray you have since you are a new driver. So lets add up the factors that will not be in your favor:
1 - new driver: you will pay the highest rates;
2 - never had insurance and currently do not have insurance: you will be thrown into the assigned risk pool (the pool for new new drivers and those who currently do not have insurance), which btw has the highest rates;
3 - your age and martial status (I assume you are single): you will pay high rates because you are young; and
4 - a newer car will more than likely require full coverage.
If I was you I'd take the bus and/or train if I could. I know the pressure of having a vehicle at 21 because I was once there. But I would seriously think about holding off or at least getting a hoop-ride that requires only liability coverage.
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