- I have 2 total losses on my record due to city vehicles pulling out in front of me. They were at fault but the insurance companies don't care.
- My wife has an at fault accident which was a 3rd total loss on my insurances.
- Her dad backed our van into another car, it was just an insurance claim.
Unfortunately the 2 vehicles are under my name and no there is no way to change this setup.
I am obviously having a heck of a time with my insurances, my current insurance company went from $1700/6mo to $4025/6mo now and I obviously rather ride a bike then pay that. I am pretty much on one of those last ditch effort insurance companies as I am finding it hard to find any insurance company that will take me.
I was wondering if anyone has any useful information that could help me find an insurance company that would take me and that is actually affordable.
Insurance companies that may take me with the previous claims, sites I could use that would help identify better cost saving insurance for the claims I have, ways to magically reset the claims and have that nice $700/6mo insurance I used to have (impossible I know). Anything really that could help, good advice, tips or tricks, what to lookout for...
Another question, say I refuse to insure my car for this price and I just let my insurance lapse and have the lender come take the car for not being insured. Will this still count against my credit even though they repossessed the car due to no insurance not bad payments?
Might be best to let them just take one of the vehicles and buy a clunker for the wife that we can pay outright and let her insure that instead but if it is going to ruin my credit that is not an option.
Edit: Jacksonville, Florida I own a 2013 Nissan Altima SL and 2010 Honda Odyssey EX-L.
Conclusion: I ended up finding another company, a reputable one, I am with AllState now. Apparently they have a high risk policy, I am assuming related to the (FAJUA) stuff mentioned in the comments. I am assuming other big name insurers do as well, and of course yes it was expensive but not $4k expensive. I got a policy for 6mo with them for $2,700 but it does not come with all the nice features their normal policies have like Accident Forgiveness or when they send you money for driving good.