GEICO increased my policy :(

[morebelwoman]

I purchased my car in 2022 with VW as a new driver. I had no assistance so I did everything by myself with no co-signers. My insurance as a first time driver was $479. After 6 months it decreased to $445.

Now it’s time for my renewal and my insurance increase by over $300. My policy starting this month is $776 ! I can’t afford to give GEICO that much. I think it’s insane.

Any help or advice on finding new insurance or tips to get it decreased beside the defensive driving course. ?!

State Farm said they aren’t taking any drivers without at least 3 yrs of being insured.

Allstate said they will contact me with a quote in 5 months.

Progressive gave me an excuse.

My Best luck so far has been w/ liberty mutual.

Help please!

 

[yhjmkiop]

@morebelwoman Call an independent insurance agent in your area and see what they can find. They’re your best shot and finding the best rate available for you

 

[morebelwoman]

@yhjmkiop Thank you! I will do my research

 

[raphacam]

@morebelwoman Call an independent broker. They can shop companies you've never heard of.

 

[morebelwoman]

@raphacam Thank you! I will do some research.

 

[jazzino]

@morebelwoman Use an agent but a new driver is a liability and financial decision.

 

[soralis]

@morebelwoman You had an accident, what was the total payout, not your vehicle but the other party’s payout. If you had any type of accident it will cause an increase “geico is famous for it” like every other insurance company when someone has an accident. Insurance companies aren’t in it to lose money.

 

[vprasadg]

@morebelwoman It increased so much without any accidents/ claims/ violations? That's bizarre.

 

[kejuli]

@vprasadg It’s really not car parts are stupid expensive and medical bills aren’t getting cheaper either.

 

[morebelwoman]

@vprasadg Yes, I did have a accident. I was found guilty since it was a rare end accident. The car stopped short in front of me. But he had NO damages and only my license plate was slightly dented

 

[jazzino]

@morebelwoman That’s also why no one else wants to insure you. New driver, already at fault, so definitely an even bigger liability

 

[soralis]

@morebelwoman There is no such thing as stop short. You rear ended them because either a. You were on ur phone and not paying attention. B. Following to close so u couldn’t stop in time. C. Not paying attention and following to close.

 

[vprasadg]

@morebelwoman Lol. That's the reason. And Geico is notorious for that. They just raised your premiums. For me they canceled the insurance, and fucked my record badly. Same scenario, in the car wash. Nothing happened to my car. Literally a scratch to the other party's car.