I should give them another try, I guess.
I donāt know what state youāre in, but most people I know are with one of the following: Amica, NJM, USAA, or Cincinnati. If youāre a low risk driver, one of those names will be jumping to have you, and Iād go with whoever is priced lowest. All offer great coverage.
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VA and Iām extremely low risk driver at 5k miles/year at best lol
Wow is this you? That insurance is NYC crazyyyyy. Itās going to cost @HersheySweet more in insurance premiums to live out of his cars than rent for a 2 bedroom apartment.
https://www.reddit.com/r/TeslaLounge/comments/1amd40p/cant_find_insurance/
Iād try them all out for quotes. Generally speaking, Amica/NJM prices well for middle/upper middle class folks. Cincinnati prices well for wealthier folks, and USAA can be a bit of a wildcard.
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LOL, thatās EQS payment per month 
Not eligible for USAA, havenāt tried Cincinnati. Amica & NJM canāt beat my safeco renewal rate.
Iām not well versed in Safeco, so I canāt provide an opinion there, but Iām sure theyāre a solid company!
I guess Iām corrected. Statefarm came out cheaper than others because they calculate the auto coverage for my teen son differently. I have 4 cars 3 drivers. My son only drives my cheapest car - the 02 e46. All other insurance surcharge all 4 cars eventhough I specify the e46 as the one he drives. Statefarm only surcharges me the e46. Due to this calculation, it came out cheaper than others. My EQB coverage is only $1550 per year under statefarm while it was at least $3k under others due to this calculation method.
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If you have assets to protect, put a car in your teens name and pay for their insurance separately with Geico or Progressive on their own policy. Either that or have one heck of an umbrella policy. We all love our kids, but never be in a position for a mistake to cost you everything you worked hard for.
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Or hot take
If they are old enough to have a car
they are old enough for a job
if they have a job they can pay for insurance.
I am 33. When I was 17 I bought my first car and paid my insurance. It wasnt that hard
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I canāt argue with that. The underlying point was to get a separate policy to protect assets. Whoever pays for it is up to the respective family and their wishes.
I just ran my NJM quote and they quoted me $6,000 a year, lol. No accidents, Nissan Pathfinder.
Thereās something they clearly donāt like about you. Claims history? Average credit? DUI/reckless driving/speeding tickets? I see youāre also trying to dump your Nissan Pathfinder with only a few months left on your lease with a cracked windshield. Any late payments? Credit cards maxed or close to it? Youād be amazed how good these companies are at identifying risks. If not, remember itās not personal and they just arenāt interested in your business based upon location, etc.
If you do an honest root cause analysis, kids are the mistake that cost you everything you worked hard for.
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Brutal, yet accurate!
The crazy part is that I have no accidents, no tickets, no DUI, and a clean driving record. I had a claim a few years ago for a hit and run so I assume that might be skewing my pricing but Jesus Christ, almost $500/month! I have good credit, 800+, and no maxed out credit cards either. Maybe because Iām sub -30 and a male in combination to that claim.
I donāt have a good explanation for you then! Their bucket of those who fit a similar profile must be overflowing!
Keep in mind insurance pricing is run by actuaries on excel spreadsheets. They took all the good factors you have & also looked at loss trends in your zip code, county, state, etcā¦how many uninsured or underinsured people are driving around. The point is you can have all the good qualities but many things can skew the result another way.
For example Florida has natural disasters to take into account on insurance as well as having one of the higher rates of uninsured or underinsured drivers in the country. Plus overhead, stockholders, profit, etcā¦it all adds up.
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