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Old 08-16-2013, 11:18 AM   #1
magnoon
Scooby Newbie
 
Member#: 291231
Join Date: Aug 2011
Chapter/Region: MAIC
Location: Ellicott City, MD
Vehicle:
2007 WRX
Urban Gray Metallic

Default Cheap High Risk Auto Insurance

Before you all laugh, I know the title is an oxymoron.

I'll be straight and honest. I've put myself in this situation. I acknowledge that it is due to my own poor decisions that I am here right now and I accept full responsibility.

I'm 19 years old and I have a far less than perfect driving history. 2 accidents (thankfully not in the Subaru) and 3 moving violations. I was kicked off of my insurance policy last September year and the beautiful 2007 WRX that I had purchased last April has been sitting since then. I have do my father drive it around occasionally just to keep things moving. I have not been asked to file an SR22, but State Farm has deemed me as a high risk driver.

I know, the answer that makes the most sense is sell the WRX, buy a Civic and wait it out until you are older, but I've developed such an emotional connection with this car it's insane! I used to work in the service department at Russel, and I remember having my eyes on it from the day it got traded in. I had already been saving up for a car so I had some cash in the bank. Long story short about a month later I went in and bought it, and since then I've been putting my blood, sweat, tears, and dollars into taking her where she is today.

So I guess my question is, what is the cheapest high risk insurance that I can purchase, while keeping my car.

Thank you all for your help,

Chris
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Old 08-16-2013, 11:23 AM   #2
magnoon
Scooby Newbie
 
Member#: 291231
Join Date: Aug 2011
Chapter/Region: MAIC
Location: Ellicott City, MD
Vehicle:
2007 WRX
Urban Gray Metallic

Default

Also, if it helps at all I live in Ellicott City.


Thanks again!

Chris
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Old 08-16-2013, 01:00 PM   #3
dpenn
NASIOC Supporter
 
Member#: 141201
Join Date: Feb 2007
Chapter/Region: MAIC
Location: CP, MD
Vehicle:
2008 WRX
DGM

Default

Safeco or MAIF...are they two major high risk agencies in MD.

Have you tried getting a quote from esurance or geico?
I was dropped from state farm and was able to get esurance even cheaper than state farm for the same coverage...
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Old 08-16-2013, 01:15 PM   #4
acumenhokie
Scooby Specialist
 
Member#: 271479
Join Date: Jan 2011
Chapter/Region: MAIC
Location: Talleyville, DE
Vehicle:
2010 LGT....2009 FXT

Default

Look for a local underwriter. They'll take a higher risk on a policy through one of the major guys.
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Old 08-16-2013, 02:06 PM   #5
skunkreturns
Scooby Newbie
 
Member#: 340181
Join Date: Dec 2012
Chapter/Region: MAIC
Location: Fairfax
Vehicle:
2005 WRX
World Rally Blue

Default

Quote:
Originally Posted by dpenn View Post
Safeco or MAIF...are they two major high risk agencies in MD.
If anyone knows any equivalent companies in Virginia I'd love to know. Girlfriend just got dropped from USAA and she's having a hard time finding something affordable.
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Old 08-16-2013, 02:33 PM   #6
STiWanabe
Scooby Guru
 
Member#: 41447
Join Date: Aug 2003
Chapter/Region: MAIC
Location: Baltimore, MD
Vehicle:
---- _________

Default

Im pretty sure no matter company you go with, it will be routed through MAIF. My sister had this problem when she was 18, she had allstate. A friend of mine did as well in their teens. They had nationwide. They both made payments to MAIF...
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Old 08-16-2013, 03:32 PM   #7
Bo0stin5STI
Scooby Specialist
 
Member#: 162174
Join Date: Oct 2007
Chapter/Region: MAIC
Location: Westminster, MD
Vehicle:
05 CGM STi - SOLD
13 SWP STi - TITS

Default

Check out Elephant auto here:

http://www.elephant.com/

Good luck!
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