this post was submitted on 02 Apr 2024
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So best case for someone like this: don't drive. Get other people to drive you, use public transportation, get a bike, etc. But this is probably America and that is 100% not possible everywhere. Or even most places.
There is another option: State-Owned High-Risk Auto Insurance. These are insurance plans owned by individual states. Because US states all require auto insurance to drive a car and because driving a car is goddamn necessary in a lot of America, this exists.
It's VERY expensive. Like when I was looking at getting good coverage for 2 newish cars I was staring down $500/6mo. Our state's high-risk was $2,000+. But it exists for people like in the post who are just too expensive for ordinary insurance companies to want to insure.
Where on earth are you getting insurance for 2 cars for $500/6 months? I'm middle aged, drive a 10 year old car, and have a perfect driving record, and mine's about $100/month. I've priced the same level of coverage with other companies and that's pretty much what all of them offered.
Eta: I'm literally asking. I have no loyalty to my current company, if I can get it cheaper, I'm out.
I'm in a similar position, middle aged, clear driving history for about 15 years, car's an '18. I pay ~$450 every 6 months with Progressive. Paying the whole amount up front gives me a good discount. If you can't do that size payment at once you can pay with PayPal credit and it should be no interest for 6 months so you can get the discount and still pay monthly.
I need to check on whether I get a discount for paying all at once. I'm finally at a point where I could manage it but I have no idea what it would save.
Ooh, just checked looked and nope, USAA gives me $16/month off for autopay but no pay in full discount. Lots of pretend discounts for other stuff but that just puts them around what other insurers would charge anyway. What a rip off.