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From what I’ve seen, these advertised low rates, like $29 for liability insurance, often have a tiny “and up” written in the corner. This small print is crucial because if you’re a young male in your early 20s with three tickets, you’re almost certainly going to fall into that “and up” category. So, the initial cheap number you see isn’t the reality for many people.
I used to pay nearly $500 a month with Progressive because of a few tickets. When I started seeing ads saying my insurance could go down to $35 with companies like Otto and Root, I got really excited. However, after reading more, it seems like those super low numbers are just a possibility, and my driving record with three tickets in four years of driving as a 24-year-old male will likely put me on the much higher end of any calculation.
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