I’m 19 years old and was in an accident 2 days ago where I got rear ended while waiting in traffic which ultimately totaled my 2010 Acura TL. The payout is supposed to be around 12k and I’m thinking to get a Lexus or bmw. I have one accident to my name where I was found at fault about 2 years ago (17 years old) but I was not driving recklessly; however, I did get a citation but I never got pulled over in my life. I was previously paying $107 a month for full coverage under a luxury vehicle plan (State Farm). I’m now looking to get insured under my own name and I just wanted to know if anyone knows what I may be quoted knowing my record and age. Any guesses would be appreciated so I know what to expect.
How much will my insurance be? 19f
byu/meowhehe333 inInsurance
Posted by meowhehe333
6 Comments
Nobody can tell you what to expect. You have to shop around. We can say that luxury vehicle, young with minimal years driving experience, and one prior loss with a moving infraction won’t be cheap
You’ve left out too much information/factors to even guess.
A lot, unless said lexus/bmw is a 1997 with basic coverage
The only way to get an actual fully accurate answer is to get quotes. Just make sure you get insurance quotes BEFORE you actually purchase a car.
What is a luxury vehicle plan?
If your vehicle was totaled, how were you not injured? The other drivers insurance will assume you were injured unless you tell them otherwise