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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 25, 2018

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Insurance Question from Garden City, NY

Asked on 04/25/2018

Insurance quotes I had auto insurance for 17yrs and I cancelled in January because I handed back my Lease. Now I bought a new vehicle and want ins. however State Farm is saying that now it is going to cost me $500.00 a month. I've been with them for 20yrs. I shouldn't have to pay that amount when I was paying 200.00 a month for full coverage.

Answer given on May 31, 2018

Auto insurance rates are based upon many things. Even though you have been with the same insurance company for several years, the rates are based upon the age and type of car, as well as your driving record. Since you bought a newer vehicle, the cost of the insurance is based upon that vehicle. Also, if any tickets or accidents have occurred recently, that will affect the cost of the insurance. Also if there are any new drivers in the household, that can affect the premium on the insurance policy

You can discuss higher deductibles on the new car to help reduce the cost of the insurance. You can also ask the insurance agent if they can suggest anything to reduce the costs. Sometimes insurance companies base the rates on the annual miles expected to be driven. If so, have you changed your driving habits?  These are all things to discuss with the agent.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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