hey everyone, things have been rough lately. i’m a 20-year-old college student working part-time. i was with triple AAA, but they kept raising my rates, and then i got hit with a $1300 bill for one month, which i couldn’t pay and might end up in collections. i switched to geico, but just had a minor accident, which i’m at fault for, even though the other guy was riding between lanes. he had a witness who was his passenger, but they left the scene, so it’s my word against theirs.
since then, my premium with geico has doubled from $3k to $6k. i’m also working on paying down credit card debt (around $6k total), but now i had to pay a $1000 deductible on top of everything. i’ve been checking out other insurance options, but all i find are the big companies like allstate or progressive, and their rates are even higher than geico’s.
geico wants $1k a month for the next six months, and it’s tough to manage. i feel like i’m taking steps back every time i try to move forward. if anyone has suggestions on what else i can do to find a better rate or any other advice, i’d really appreciate it.