Where do I get the most affordable insurance for a 24 year old woman living in 
East Palo Alto who was ticketed with driving without insurance/licence and 
failed to obey a sign?  I want to know the price to buy insurance for the next 
six months and wether it is possible for her to pay month by month.  She now 
has a license.

Hello from Google Inc., 

Thank you for your question.  In order to answer your question, it will be 
necessary to provide more information about the person looking to purchase the 
insurance policy.  Car insurance rates are highly sensitive to the individual’s 
profile.  For this reason it is best if the individual contacts the insurance 
provider directly.  You will need to provide:
1.	Person’s full name and age
2.	Primary living residence
3.	Full address for your permanent residence
4.	Type of car that will be insured
5.	How many people live in the person’s household
6.	Any other information about the person’s driving history (i.e., moving 
traffic violations, license revocation, etc.)
Individual insurance companies may need additional information in order to 
offer you the most appropriate quote for the individual.

Some companies you may be interested in exploring are*:
American Automobile Association- provides auto insurance through the Cal-Nevada 
Auto Group.  May also have information on other car insurance companies 
throughout California. 
http://www.csaa.com/insurance/subsection/0,7871,1005010000,00.html 
Geico Direct – (800) 861-8380 http://www.geico.com 
Progressive Insurance – (800)-PROGRESSIVE 
http://buyonline1.progressive.com/info.asp
Kemper Insurance Companies – (800) 437-8394 Customer service is open Monday-
Friday 8am-9pm Eastern Time. The best time to call is Tuesday-Thursday 1pm-4pm 
Eastern Time.
http://www.kemperinsurancecompanies.com/index2.htm

*All of the above companies offer on-line quotes forms on their website.

Additional Websites that may interest you: 
Insurance.com - http://www.insurance.com/quotes/Auto_quotes_index.asp
FindCarInsurance.com - http://www.find-car-insurance.com/freequotes.htm
Insurecom.com - https://www.insurecom.com/ 



Search Terms Used: 
Car insurance companies

Best of luck in your search!

Thank you,
The Google Answers Team

---

Request for Answer Clarification by susan-ga on 18 Apr 2002 12:39 PDT

I would like several actual estimates.  

Here is some of the information you requested:
1-name(i would rather not reveal this; I don't think its necessary but its a
female who is 24)
2-primary living residence (renter in East Palo Alto)
3-seem unnecessary if you have the city
4-Toyota Corolla 87
5-just her
6-i listed the violatations before (driving w/o insurance and licence; one
failure to follow signs)
I did forget to mention that I want liability only since the car isn't worth
much. Thanks.

---

Clarification of Answer by shal-ga on 18 Apr 2002 16:53 PDT

Dear Susan,

Thank you for your clarification.  I took the provided information and 
researched auto insurance policies with providers who are more inclined to 
serve sub-prime clients.

I spoke with an agent at Progressive Insurance, but unfortunately could not get 
a quote from the company. Progressive does not give quotes or hold policy 
discussions with third parties.

I did manage to talk to Geico Direct, and given the information you provided 
the agent said they are unable to provide insurance for twenty-four year old 
woman for whom you wrote.  If you can provide the following additional 
information they may be able to offer a quote:
1.	Date of birth
2.	Highest level of education
3.	Current occupation
4.	How long she has lived at her current address
5.	How many doors the vehicle has
6.	Yearly mileage driven in the vehicle
7.	How long has she been driving with a license
8.	Has she ever had car insurance, or been on a car insurance policy

I did try the online quote forms for Kemper Insurance Companies, 
FindCarInsurance.com, and Insurecom.com. However, they require a full name and 
additional personal information before they will provide you with a quote.  
Additionally, many of them require supplemental usage information (i.e. primary 
use of vehicle, mileage to and from work, etc.) and vehicle information (i.e. 
VIN number).

Seeking better information on the subject, I searched the website for the 
California Department of Insurance. Here I sought a quote for basic-liability 
insurance with an individual profile that most closely matched the information 
you provided.  Given this profile the following are the five least expensive 
premiums listed:
1.	Amica mutual $633
2.	Pacific Specialty $682
3.	Horace Mann Insurance $714
4.	Pacific National $780
5.	Mercury Casualty $790

Unfortunately, the website did not specify if these rates were yearly or half 
yearly. According to this website, these quotes are “based upon several 
scenarios or hypothetical risks, which take into account the most common 
variables used to calculate automobile insurance premiums.” The payment 
schedule and these rates are subject to change based on more detailed personal 
and vehicle usage information of the individual.  
http://www.insurance.ca.gov/docs/FS-Surveys.htm

http://www.insurance.ca.gov/docs/FS-CompanyProfiles.htm

I hope that this information proves more useful for you.  

Thank you,
Shal

Hi Susan,

Check out www.esurance.com.  There you can get an online quote with differing 
amounts of coverage(liability only, liability and comprehensive, liability and 
uninsured motorist, etc)

The parent company for esurance is a top rated insurance company.

For a policy based on the information you described, this is the quote they 
gave:
$667 for 6 months for
Bodily Injury limit: $15,000/$30,000 (per person/per accident)
Property Damage Limit: $5,000
Uninsured/Underinsured Motorist Bodily Injury Limits: $15,000/$30,000

This is with a $500 deductible.  I chose the lowest amounts of coverage they 
offer for a 24 year old driver with the two violations you listed in zip code 
94306 and the car you listed.

Hope this helps.

By the way, if cost is no object, Mercury Insurance probably gives the best 
service.  They were the first to voluntarily pay the california insurance 
rebates to their customers for example.  However, they are the most expensive 
until you have been with them for a few years.

Susan,

With a violation like "Operating without a license", few standard carriers will 
provide a quote, much less a cheap/competitive one.  A lot of the online 
insurance companies "cherry pick" because they are "afraid" of internet risk.

But, with the information you provided, I was able to find you some better 
quotes than those listed above.  Most of those quotes are with Standard 
Companies that will charge very high rates for riskier drivers.  As mentionned 
above also, there are some carriers that specialize in more "sub-standard".  
http://www.quotesmith.com quotes a few of those sub-standard carriers live and 
online.  With the information that you provided I was able to come up with this 
sample of quotes:

    EXPLORER INSURANCE COMPANY - 6 months - $332  
    REPUBLIC INDEMNITY CO. OF CALIFORNIA - 6 months - $421  
    FINANCIAL INDEMNITY CO./UNITRIN - 6 - $439

My choice from the above would be FIC.  They are an incredibly financially 
stable insurance company (rated A+) and even have a standard business model 
that you could qualify for in a couple of years.

Susan:

Your best bet is to (of course) shop around online.  And even then,
most companies give you estimates (not real time rates).  Some will
only give you one rate from one company.  Some online providers are
only lead resellers and will only give you a thank you after you spend
15 minutes filling out their quote form.

You can get online rates from up to 4 auto insurance carriers securley at:

https://www.4carinsurancequotes.com/ 

Andf you can buy online or over the phone.  

As far as paying month to month on the policy, that will depend on her
credit.  If you have negative entries, some companies will require you
to make a semi or even annual payment, until you have been with them
for a year. Some will only require a monthly bank draft.


Hope this helps,

autoinsguy