insurance quotes

I am a 20 year old male who has been driving for four years. I have no tickets or accident history. I was previously on my parents' insurance. I am trying to get liability insurance for a 1990 vehicle. I have printed out the average premium charge that was listed on the New York State Insurance page. The chart showed a 20 year old male and what they would expect to pay from about 30 different insurance companies. I have called all these companies and my lowest quote was double what the NYS Insurance guide stated. Why am I having such a hard time? I know alot of people my age who are payimg for full coverage for what I am being quoted for just minimum coverage.

[Juan Rodriguez]

Age and driving record are note the only factors. Premium rates also consider marital status, the type of vehicle and where you live amoung other things.

A couple of examples would be: 1.) a single male under 25 driving a Corvette or 4WD truck would have the highest rates for liability insurance amoung those with clean driving records. 2.) Comprehensive coverage rates would be highest for cars that have a high theft incidence and are not garaged and are located in certain ares of some cities.

Contact those folks you know and ask them who they bought their insurance from.