Hey everyone, I need some advice. I’ve been trying to get car insurance quotes online because I want to shop around. I’ve been with State Farm for 2.5 years after switching from Progressive when I financed my 2018 Audi A4 in Summer 2021.
Here’s the issue: Every time I try to get a quote online, I immediately get a message saying they can’t provide a quote based on their underwriting guidelines*. I have a clean driving record with no points, no recent accidents, and the last ticket on my record was for not wearing a seatbelt two years ago. I’m a 30-year-old female with good credit and a stable job.
The only change is that I recently moved to a new town, and my car is mostly parked at my new apartment, which is in an area that’s seen some gentrification.
I’m thinking of visiting an insurance broker in person to sort this out because it seems odd.
I’m experiencing the same frustration. No online insurer wants to offer me a policy. I’m 51 years old with good credit, no accidents ever, and the last ticket I received was 23 years ago. I rebuilt a BMW Z4 in my garage and now I’m trying to insure it. It’s baffling how these companies can refuse coverage for something that’s legally required. This is driving me crazy.
Did you ever find a solution? I have a 2003 Z4 worth around $6k, and they’re asking for $2k just for the basic legal minimum coverage on a family plan, no collision, no comprehensive. It seems unreasonable.
The insurance industry is currently facing significant financial challenges. Many companies are cautious about taking on new risks, which is why they’re restricting who can apply for a policy. While it’s unclear what specifically is causing your rejections, your best option is to consult with an independent agent. They can provide quotes from multiple insurers, including those that don’t typically sell directly to the public.