Quote:
Originally Posted by Burninator
I'm young, driving a new car
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Well that's part of the problem there. A person who has been driving for one year with no accidents could claim the same thing. Assuming you have been paying the same rate you are paying now all along, you would have been driving for about 4 year? Is that really enough time to expect to have cheap rates? If you keep going the way you are right now, your rates are going to drop to a far cheaper rate in the very near future.
I'm not saying don't drive a new car but don't buy one that is going to cost you that much. You don't HAVE to have anything past liability on your car so why bother paying for anything else?
You don't have to write a car off for insurance to be useful. You said you have paid 15000 to date on your insurance. We have a friend of the family who just t-boned a 2005 Ford F250 doing 27000 in damages. Did not even come close to writing the vehicle off, would you want to have to foot that bill yourself?
I understand your frustration, I really do, but like I said, if you hold the course you are on already, you rates WILL drop to a level you find far more reasonable. I just think some people expect their rates to be cheap well before they have proven to themselves or anyone else that they are a good, responsible driver.