Advice for buying new car insurance (21 yr old, male)?

I鈥檓 21 year old, male, college student. I just got my driver license. This is my first time getting car insurance since I had never needed it before.


I need insurance for a 2007 Mazda CX-7 or 2007 Toyota RAV 4 (full cover)Advice for buying new car insurance (21 yr old, male)?
You'd have been better off getting your license a few years before you got your first car.





If possible, you'll probably do better dealing with your parent's insurance agent. If your parents are good clients, they'll probably do what they can to help you get a good rate as a favor to your parents.





A saying in the industry is with a new driver who has their own car, it's not a question of if they'll have an accident, but how bad it will be. That's based mostly on kids who are 16-18 years old. The fact you're 21 should make you a more mature and safer ';risk';. But you're still inexperienced.





In insurance, ';boring and responsible'; are good things. A good credit rating helps. In my neck of the woods, many companies reserve their best rates for people who carry above average limits of liability. This would be more likely to help you after you've got a couple of years of experience, but


asking for options above the state minimum for liability might score you some responsibility points with your agent.





See how higher deductibles will affect your premium. a $500 deductible for collision is probably a no brainer. A $1000 (or even higher) deductible may make sense for you - part of it will depend on the area where you live.





Areas with lots of people and lots of ice and snow tend to have higher rates than more rural areas with warmer weather.





The guy who told you to change companies often is wrong. You're better off building a long term relationship with an agent because if/when you do have a problem, a long term relationship means you're more likely to get better treatment, and they're less likely to drop you.Advice for buying new car insurance (21 yr old, male)?
It would be better to get some professional advice from websites like http://oktutorial.com/debtadvice.htm than relying on yahoo answers.
Since you are under 25 years old and have brand new car, you will pay higher insurance. Here is an article about tips to save on student car insurance http://carsinsurancetips.com/student-car-insurance.php


Also shop around get your best deal is a essential step to get your first car insurance.


Good luck


Kity
depends where you live!
Heaven help you, nobody down here will!
say that you keep it in a locked garage,and that you only do a few thousand miles you are still covered if you do more and if some one steels the car from the supermarket or outside your house they put premium up if you don't say this but makes no difference if you need to claim insurance is a scam, and also when you come to renew at end of year don't use renewal,cancel and start a new one because all discounts are set up for new customers only,you can use the same company as well they don't like it much because someone loses there commission, but you will save a lot of money doing this insurance companies are modern day robbers.