Insurance Coverage

I live in California. My car insurance just went up to $ 300 a month because some asshole hit me in June.

This is my first accident. Does anyone know how long my insurance will be this high?

I'm looking for people with experience in paying high rates after an accident.

Who do you have?

Insurance rates just went up at the beginning of the year for all CA residents too because of some other stupid reasons.

But 300 seems excessive in terms of how much you are being asked to pay. Even with an accident. Hell, my ex husband had a DUI that killed us in terms of car insurance. But good god, 300 is like another car payment.

Posted by nikkistar
Who do you have?

I have esurance (allstate). But I think I will have to lower my coverage and not get full coverage. 😕

I've shopped around and they all seem to be the same. 😭😭😭

Posted by Lordofyourthighs
Call the insurance company and ask them how long it takes for the accident to fall off your record.

Usually it's 2-3 years.

I would get a quote from another company, change your coverage limits, or raise your deductibles.

That's a CRAZY amount to pay for insurance. I'd take my chances WITHOUT before I'd pay that!

My rates got jacked up for 2-3 years because I had a speeding ticket. 1 ticket. I'm in WI.

In California, your license will get suspended without car insurance. So going without isn't even an option 😔

Posted by nikkistar
Insurance rates just went up at the beginning of the year for all CA residents too because of some other stupid reasons.

But 300 seems excessive in terms of how much you are being asked to pay. Even with an accident. Hell, my ex husband had a DUI that killed us in terms of car insurance. But good god, 300 is like another car payment.

Exactly and I already pay $ 600 for my car payment. 😥

Posted by Lordofyourthighs

Posted by saggurl88

Posted by Lordofyourthighs
Call the insurance company and ask them how long it takes for the accident to fall off your record.

Usually it's 2-3 years.

I would get a quote from another company, change your coverage limits, or raise your deductibles.

That's a CRAZY amount to pay for insurance. I'd take my chances WITHOUT before I'd pay that!

My rates got jacked up for 2-3 years because I had a speeding ticket. 1 ticket. I'm in WI.

In California, your license will get suspended without car insurance. So going without isn't even an option 😔

So they know the minute you cancel....they contact license registration department? Have a hard time believing that, but in CA, I suppose anything's possible with their brand of heavy handed government.

click to expand

Insurance companies are linked to the DMV here. Believe what you want. I live here so I know. I live in the silicon valley. Technology is everywhere in this city

Posted by Supes
I pay $ 61/Mo full coverage

Shawt uhp!! 😢😢😢😭😭😭

Posted by Arkansassy

Posted by saggurl88

Posted by nikkistar
Who do you have?

I have esurance (allstate). But I think I will have to lower my coverage and not get full coverage. 😕

I've shopped around and they all seem to be the same. 😭😭😭

I don't think you'll be able to drop your full coverage if you're making car payments.

click to expand

Yeah I know, I'm just gonna lower the coverage amounts. I have to play with the quotes and see. 😕😔

Posted by saggurl88

Posted by nikkistar
Insurance rates just went up at the beginning of the year for all CA residents too because of some other stupid reasons.

But 300 seems excessive in terms of how much you are being asked to pay. Even with an accident. Hell, my ex husband had a DUI that killed us in terms of car insurance. But good god, 300 is like another car payment.

Exactly and I already pay $ 600 for my car payment. 😥

click to expand

Why the heck are you paying so much?

Posted by saggurl88
I live in California. My car insurance just went up to $ 300 a month because some asshole hit me in June.

Woah why did the insurance go up if you got hit?

Who was at fault here, the other driver?

Even then $ 300 seems steep. I was in a car accident last year where the blame was 60/40...me being 60. And mine barely went up.

Might be time to look for a different carrier for coverage. They are bleeding you dry.

Posted by Lordofyourthighs

Posted by saggurl88

Posted by Lordofyourthighs
Call the insurance company and ask them how long it takes for the accident to fall off your record.

Usually it's 2-3 years.

I would get a quote from another company, change your coverage limits, or raise your deductibles.

That's a CRAZY amount to pay for insurance. I'd take my chances WITHOUT before I'd pay that!

My rates got jacked up for 2-3 years because I had a speeding ticket. 1 ticket. I'm in WI.

In California, your license will get suspended without car insurance. So going without isn't even an option 😔

So they know the minute you cancel....they contact license registration department? Have a hard time believing that, but in CA, I suppose anything's possible with their brand of heavy handed government.

click to expand

LOL someones mad they are freezing their ass off and we out here in 80's...sun shinning. Ayyyyeeeeee sucks to be you.

Posted by Lordofyourthighs

Posted by LadyNeptune

Posted by Lordofyourthighs

Posted by saggurl88

Posted by Lordofyourthighs
Call the insurance company and ask them how long it takes for the accident to fall off your record.

Usually it's 2-3 years.

I would get a quote from another company, change your coverage limits, or raise your deductibles.

That's a CRAZY amount to pay for insurance. I'd take my chances WITHOUT before I'd pay that!

My rates got jacked up for 2-3 years because I had a speeding ticket. 1 ticket. I'm in WI.

In California, your license will get suspended without car insurance. So going without isn't even an option 😔

So they know the minute you cancel....they contact license registration department? Have a hard time believing that, but in CA, I suppose anything's possible with their brand of heavy handed government.

LOL someones mad they are freezing their ass off and we out here in 80's...sun shinning. Ayyyyeeeeee sucks to be you.

Not really - I embrace it. I ride snowmobiles 90 MPH at 0 degree's. In 3 weeks I'm headed to Key West.

Definitely DOESN'T suck. But it must suck to live in the land of fruits, flakes, nuts and illegal aliens galore.

click to expand

yeah its horrific here. definitely not worth the trip. stay in bum fucked Wisconsin lol

Posted by nikkistar

Posted by saggurl88

Posted by nikkistar
Insurance rates just went up at the beginning of the year for all CA residents too because of some other stupid reasons.

But 300 seems excessive in terms of how much you are being asked to pay. Even with an accident. Hell, my ex husband had a DUI that killed us in terms of car insurance. But good god, 300 is like another car payment.

Exactly and I already pay $ 600 for my car payment. 😥

Why the heck are you paying so much?

click to expand

I have a suped up SUV that has a diesel engine and blacked out with all the upgrades. It looks like this one but doesn't have red interior. I didn't take into consideration what my car insrance would be cause I hadnt had a new car in 12 years. I thought it would still be about $ 40 a month

Posted by LadyNeptune

Posted by saggurl88
I live in California. My car insurance just went up to $ 300 a month because some asshole hit me in June.

Woah why did the insurance go up if you got hit?

Who was at fault here, the other driver?

Even then $ 300 seems steep. I was in a car accident last year where the blame was 60/40...me being 60. And mine barely went up.

Might be time to look for a different carrier for coverage. They are bleeding you dry.

click to expand

I don't know! It says (Accident-other at fault) but it's still that high.

Posted by CaramelizedCoffee
I used to pay very cheap insurance but now i don't own a car so I'll be back to basics

Aye

I wish I could d this but its just not possible in my city.

Posted by saggurl88

Posted by nikkistar

Posted by saggurl88

Posted by nikkistar
Insurance rates just went up at the beginning of the year for all CA residents too because of some other stupid reasons.

But 300 seems excessive in terms of how much you are being asked to pay. Even with an accident. Hell, my ex husband had a DUI that killed us in terms of car insurance. But good god, 300 is like another car payment.

Exactly and I already pay $ 600 for my car payment. 😥

Why the heck are you paying so much?

I have a suped up SUV that has a diesel engine and blacked out with all the upgrades. It looks like this one but doesn't have red interior. I didn't take into consideration what my car insrance would be cause I hadnt had a new car in 12 years. I thought it would still be about $ 40 a month

click to expand

Yea... that explains the insurance. Nice SUV though 😄

Posted by nikkistar

Posted by saggurl88

Posted by nikkistar

Posted by saggurl88

Posted by nikkistar
Insurance rates just went up at the beginning of the year for all CA residents too because of some other stupid reasons.

But 300 seems excessive in terms of how much you are being asked to pay. Even with an accident. Hell, my ex husband had a DUI that killed us in terms of car insurance. But good god, 300 is like another car payment.

Exactly and I already pay $ 600 for my car payment. 😥

Why the heck are you paying so much?

I have a suped up SUV that has a diesel engine and blacked out with all the upgrades. It looks like this one but doesn't have red interior. I didn't take into consideration what my car insrance would be cause I hadnt had a new car in 12 years. I thought it would still be about $ 40 a month

Yea... that explains the insurance. Nice SUV though 😄

click to expand

Thanks lol

Posted by saggurl88

Posted by nikkistar

Posted by saggurl88

Posted by nikkistar

Posted by saggurl88

Posted by nikkistar
Insurance rates just went up at the beginning of the year for all CA residents too because of some other stupid reasons.

But 300 seems excessive in terms of how much you are being asked to pay. Even with an accident. Hell, my ex husband had a DUI that killed us in terms of car insurance. But good god, 300 is like another car payment.

Exactly and I already pay $ 600 for my car payment. 😥

Why the heck are you paying so much?

I have a suped up SUV that has a diesel engine and blacked out with all the upgrades. It looks like this one but doesn't have red interior. I didn't take into consideration what my car insrance would be cause I hadnt had a new car in 12 years. I thought it would still be about $ 40 a month

Yea... that explains the insurance. Nice SUV though 😄

Thanks lol

click to expand

Try dropping the deductible?

I pay 170ish for my car, but I am also a lot older than you.

Have you contacted state farm?

Posted by CaramelizedCoffee

Posted by saggurl88

Posted by CaramelizedCoffee
I used to pay very cheap insurance but now i don't own a car so I'll be back to basics

Aye

I wish I could d this but its just not possible in my city.

Debt is painful

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Yeah I'm about to get into debt with this damn insurance!

Posted by 2Moon

Posted by saggurl88

Posted by nikkistar
Insurance rates just went up at the beginning of the year for all CA residents too because of some other stupid reasons.

But 300 seems excessive in terms of how much you are being asked to pay. Even with an accident. Hell, my ex husband had a DUI that killed us in terms of car insurance. But good god, 300 is like another car payment.

Exactly and I already pay $ 600 for my car payment. 😥

lol wow!

Sagittarius are terrible with their money 😕😫

click to expand

Why cause I pay for a car that I want? Thats about 10 percent of my monthly pay. Its not that much.

That's insane to up your insurance when it wasn't your fault. Was the other driver insured ? cause normally if it's their fault, their insurance company pays and their rates go up.

I have Allstate - they didn't change my policy a penny for an accident where it wasn't my fault. Change insurance companies. If this was your first accident in years, they will take you. Check 3 and get quotes.

Posted by Redbull
I heard its 3 years. My rates went up too and trying to ride it out. (more cautiously of course). Dont know why you get penalized for a no fault accident really.

I was talking with my boss about it and she said I should call and talk to my insurance company. I will try that first.

Allstate gives those discounts for every year with no accidents, not sure if that is all accidents or just at fault ones. It might be that. But ya call some other places, that's insanely high, but you will be required to maintain certain levels of coverage and deductibles if you financed that Beauty.

Posted by justagirl
Allstate gives those discounts for every year with no accidents, not sure if that is all accidents or just at fault ones. It might be that. But ya call some other places, that's insanely high, but you will be required to maintain certain levels of coverage and deductibles if you financed that Beauty.

Thanks so much. I will keep shopping around. 👍