Hi everyone
This account is a throwaway. I recently (accidentally--auto-pay failed after I got robbed and had to switch bank accounts) let me car insurance expire. My car is not street legal at the moment anyway, so I thought it was okay that I let it expire. I haven't had it insured for about two months now. I live in Georgia.
I intend on finalizing my repair, so I called State Farm to get back on my plan. Previously, I was paying 100$/month for the bare minimum insurance. I don't make much money, and I'm a safe driver, so this was good for me for now. However, because I am not insured, the quote they gave me this time around was around 250$/month. Unfortunately, this is far less affordable to me. I was told the quote is far higher mainly because I had a lapse of coverage.
I called The General, and they gave me an insane quote of 562$ for the bare minimum insurance.
What do I do from here? Is my rate permanently raised now, forever? Just for this car? Should I sign up for State Farm for a month and then shop around so I can tell the person I'm getting a quote from that I do have insurance and just want to switch? Did I get such a ridiculously good deal from State Farm that I'm never going to get again? It feels truly horrible to have to pay more than twice as much, monthly, just because I let me insurance lapse for a couple of months while I couldn't drive my car anyways.
It's been a rough year, so I'm not looking for tough love, just genuine advice. Thanks.
Submitted June 22, 2023 at 12:14AM by Particular-Row2207 https://ift.tt/MHDlqbf
