Obtaining Car insurance for the first time....no previous driving experince

[Laure&Colin 336]

AAA refused to insure me when I arrived in the US for a lack of driving history. I've had my license for 15 years in France but they still considered me as a "new" driver.

I went with Geico, it was affordable the first year, and the rate just dropped in the second year because I had no claims in the first.

I think she should consider an older car and get liability insurance only. That's gonna be a lot less expensive, and maybe help her realize that she needs to drive responsibly (because any damage to her car would be on her).

[Darnell 8,478]

I think she should consider an older car and get liability insurance only. That's gonna be a lot less expensive, and maybe help her realize that she needs to drive responsibly (because any damage to her car would be on her).

echo. ! ! ! get an older car, pay cash for it ( no car note, hence no need for full coverage), get liability plus one other thing, keeping the rate as low as possible, and make a budget for the car repairs.

I'm assuming she NOT have a peer group nearby that she's trying to impress, and instead is a proper 22 year old female with a part time job and slogging through university or medical training.

[Udella&Wiz 325]

Thanks for the tip

I work as an insurance agent and young people like your daughter call us all the time for quotes so encourage her to call, she can say I am thinking of buying such and such and they will give a quote. You are correct that her lack of credit and driving experience will affect her rate. She should consider getting an older car that she could have liability only on as this will be the cheapest. You cannot negotiate your insurance rate as they approved by the insurance commissioner for each state. Try Geico (which is not the company that I work for) as they seem to have good rates for young drivers at least in GA where I live.

[Udella&Wiz 325]

We have encouraged all these sensible things - we shall see what she ends up with. Right now she is a lot of talk, but no action. She doesn;t have as much $$$ saved as she thinks and she will find out through trial and error what she can afford (aka a nice sensible car)

echo. ! ! ! get an older car, pay cash for it ( no car note, hence no need for full coverage), get liability plus one other thing, keeping the rate as low as possible, and make a budget for the car repairs.

I'm assuming she NOT have a peer group nearby that she's trying to impress, and instead is a proper 22 year old female with a part time job and slogging through university or medical training.