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I’ve got a slightly older car, it’s about 12 years old, and another person with a car that age said it’s impossible to afford insurance on it now. I always thought older cars would be cheaper to insure, but maybe the cost of parts or other factors are making them expensive too.
Even though I haven’t had any accidents, I remember someone online mentioning that their GEICO rates doubled because of a windshield claim they made 5 years ago. It seems like insurance companies don’t forget past claims, even for minor things, and they can impact your rates for a long time.
I live in California, and I heard that some companies like Progressive dropped people, and GEICO wouldn’t even give quotes because they think the liabilities here are too high. It makes me think that where we live plays a big role, especially if insurance companies see the area as risky.
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