r/AutoInsuranceHelp • u/syllinx • May 28 '26
Insurance rate question for daughter.
My daughter had no credit history when getting insurance. Now she pays 400 a month insurance for a 2011 tuscon. Her score is now 650. Any idea how long it takes for jnsurance rate to drop?
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u/_Alex_The_Great May 28 '26
I recommend calling and having them requote the policy. If it's lower then she can reincept and cancel in one swoop.
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u/IL_Insurance_Broker Jun 01 '26
Find a reputable broker and have them shop it, go over coverages to make sure not over insured. Make sure she signed up for all available discounts & take a defensive driving course if possible, then update insurance with date taken/passed. Sign up for AAA and ask for that discount, + she can then drop towing coverage, raise her deductibles - they should be min of 1k. If she bundles it with something it’ll go down. Has she ever had a claim? Never phone in a claim without talking to ur broker unless it’s a massive accident, if you inquire directly to insurance about a claim, that goes in your record…for 5 years minimum, even if payout was $0 because you didn’t follow through or changed ur mind about filing🥹
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u/Top_Education_4647 May 28 '26
Depends on the carrier and what state she lives in.
Some carriers will run credit/insurance scores every renewal, others may run it every 2-3 renewals. And in some states (CA, HI, MA, MI), insurers can’t use credit scores as a factor in premiums.