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Originally Posted by Jeffblue
I live in a crime free neighborhood in nassau county, on long island. my car is garaged. i have perfect credit, clean record (Driving and legally). aside from my age and gender i dont really have any material strikes against me that should make my rates high.
i think the biggest factor is if you are older or younger than 25. theoretically me and chuck should have similar insurance. same car, same area (more or less) but i'm 22 he's 27, and that costs me literally double his insurance.
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I live in the same area as you and my insurance went way down when I turned 25 (30 now). When I bought my first car, an 89 Jeep Cherokee with over 160k miles on her, my insurance was about $1000/6 months. I had paid $3,500 for the car. Insurance companies hate young drivers in general, which is understandable. Most are horrible drivers, which sucks for young responsible drivers.