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Stay on Geico with parent or go on my own?
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Stay on Geico with parent or go on my own?

Hi, I've been covered on my moms insurance with geico on her car for a year. I'm getting a new car and I'm wondering if it'd be cheaper to get my own or stay with her? Right now its 80 for me.
Im getting a 2006 mazda6i. I'll need full coverage since it's on a loan, but I've never been in any accidents or anything, Im female, 18, im a full time college student with a 3.8 GPA....any suggestions?

P.S. I did an online quote with geico by myself and it said 500 something a month....so is it safe to assume thats how much it'll be on my moms policy?


    




Peedlepup
As already stated it will be cheaper for you, and your car, to be added to your mothers policy. A multi-car discount would apply, and possibly a "Good Student" discount also.

However ask your mother to price insurance through an "Independent Agent". Independent agents do not owe allegiance to any specific company like your Geico agent does. An Independentant Agent can take your specific situation and shop around to many companies to find the best coverage at the lowest rates. She will probably find that she can get much better rates that she is getting from Geico, and it dosen't cost anything to get a quote.. You can find them in the Yellow Pages.


Tabby
I would stay with your parents. In most cases it is cheaper for a family with multiple cars than a single young driver.


Markita B
Rating
There are lots of sites where you can get a free insurance quote. http://www.goodinternetdeals.com/Auto-Insurance.html It only takes about 5 minutes to do.


Dtownfb
Rating
it will be cheaper (and smarter) for you to stay on your mother's insurance esp. if you are a full time college student. What you will realize is you are in the riskiest age group, no matter how great your GPA is (keep up the good work). Insurance companies know this and your premium reflected this. Under your mother's policy, you benefit from her classification.

As long as you are a college student, stay on your mother's policy.





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