@tiglathpileser It’s the lapse. Sorry your agent didn’t warn you. I always suggest a suspension of the policy until you buy a new car. Oh well. Nothing you can do now besides purchase liability only or get added to a family members policy to built insurance history asap!
@ukera No, an agent I spoke to said I may have to see if I can get on my parents' poilcy, but some lenders require you to live with them or dont allow it so it just depends.
@tiglathpileser lol yeah right. Have your mom tell her agent you drive the car 3x a week for work and just to see what they say. No way in hell they will say “oh well he doesn’t live with you so we can’t add him”. The live in the same household rule is to add drivers automatically if they don’t have existing insurance since they have a license and access to your car.
Imagine you had 2 DUI’s and 3 accidents in the last 3 years but your license is now good. Do you really think they not want to rate a driver like that? You can just drive a family members car with no adjustment in premium?
@ukera Yeah, I'll ask her to check with her agent. I want to be truthful, though. I dont want to be SOL if something happens, and the insurance company says, " Well, you didn't tell us that and lied so we wont cover the claim "
@tiglathpileser I really can’t think of a situation where adding you will result in a claim denial. You’re driving their car and get into an accident. You’re a listed driver. Claim is covered. Even if you don’t drive the car that’s fine. You’re a listed driver only. You don’t have to drive the car all the time.
@tiglathpileser I'm paying over $850/month (6-month premium paid monthly) for myself and my 17yr old. My payment was $171/mobth previously. You're not alone!
@rationalperspective I wish. I changed states and went from 300 for 6 months to 1200. Same car...same person......just "Florida". You should hear what my friend here are paying for their kids. They are paying rent every month for 2 adults and 2 teens.
@tiglathpileser What city/state? Certain spots are super difficult to work with even without being young with a lapse. I have some guesses cuz $300+/month is high, it again that depends on location and the coverage you’re asking for.
The lapse doesn’t help but doesn’t explain that premium.
