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UPDATED: Mar 13, 2020
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Young drivers have a difficult time finding affordable car insurance. The best car insurance for young drivers will need to be fair-priced and safe. Teenagers are more likely than older drivers to speed and underestimate dangerous situations. Statistics show that teen drivers have the lowest rate of seat belt use compared with other age groups.
They also tend to take more risks while driving mostly due to their overconfidence in their driving abilities. Find the best rates today with our FREE quote comparison search!
Insurance companies charge higher rates for young drivers because they have to cover the risks. There are, however, a few things that you can do to cut costs and get affordable coverage. Get the car insurance quotes you’re looking for with our FREE ZIP code search!
Here are some tips to consider when trying to get a low-cost auto insurance policy and keep premiums down:
Buy a Standard Car
When you buy your first car, choose a standard model. Fast, expensive vehicles cost more to insure. The cheaper your car is to repair, the more likely it is that your rates will be low. Insurance companies determine your premiums based on how much your car is going to cost in repairs if you make a claim.
They are also interested in how secure your car is. As a young driver, you will pay significantly less on auto insurance if you buy a low-risk car with a small engine.
Get Cheap Auto Insurance Quotes
Insurance companies use various factors to calculate rates and no single insurer will be the best for everyone. Comparing multiple auto insurance quotes is the easiest way to get a competitively priced policy. Consider the level of coverage provided, as well as the cost of insurance. A cheap car insurance policy might not offer sufficient coverage.
Compare as many car insurance quotes as possible. There are hundreds of websites that offer free quotes from reputable insurers. Remember to compare all quotes on a like-for-like basis.
If you find one or more quotes that suit your needs, search for information about the insurance providers you are interested in. Visit their websites and contact an insurance agent to find out more about their policies. Some companies offer discounts for buying coverage through their websites.
Applying for car insurance quotes is completely free. Some websites will allow you to compare multiple quotes. One of the main benefits of using quote comparison websites is that you will be dealing with top rated insurers.
Before you buy car insurance, read customer reviews and ask for recommendations. Try to find out if there are any discounts offered.
Assess Your Needs
The first step in buying car insurance is to determine how much coverage you need. Insurance companies calculate premiums based on the type of coverage selected. Check the minimum car insurance requirements in your state.
Every state in the nation requires drivers to have liability insurance. The amount of coverage that you need depends on the value of the assets you are protecting.
When shopping for car insurance, young drivers should also consider how much risk they carry. Think about how much is your vehicle worth. If you own a cheap car, then liability insurance may be all want to purchase.
Young drivers who own expensive vehicles should opt for collision and comprehensive coverage. If your car is financed, you may be required to carry full coverage. You should also determine how much you drive each day. The more you drive, the more likely you are to be involved in a car accident.
Young drivers who live in an area with a lot of natural disasters should carry comprehensive coverage. The same rule applies for those living in an area with high crime rates. The best thing you can do is to learn about the main types of car insurance and then select one that fits your needs and your budget.
Despite popular belief, car insurance doesn’t have to cost you a fortune. If you shop around and compare quotes from multiple insurers, you will eventually find an affordable policy for young drivers.
Take an Advanced Driving Course
Most insurers offer discounts for completing an advanced driving course. This form of training aims to reduce the risk of driving by anticipating dangerous situations. Young drivers who complete a defensive driving course can save as much as 45 percent on car insurance.
These courses can be done online or in class.
Be a Good Student
Being a good student can help you obtain cheap car insurance. If you are under 25 years of age and maintain a B average or better, you might be eligible for major discounts. In order to qualify for these savings, young drivers must be enrolled full-time in high school, college, or university.
Good students can save up to 15 percent on auto insurance. This discount is based on the premise that good students are better drivers.
Add Safety Features to Your Car
You stand a better chance of obtaining cheap auto insurance for young drivers if you add an approved alarm and other safety devices to your car. Some companies will automatically give you a discount if your car features airbags, automatic seatbelts, antilock brake, and head restraints.
Some cars come with standard safety equipment. Many of the car safety features listed above will result in lower car insurance rates and massive discounts.
Opt for a Higher Deductible
The deductibles on your car insurance policy might be costing more than you think. If you’re a safe driver with a clean driving record, you should consider raising your deductible.
A deductible is the portion of the bill for which you are responsible in the event of a car accident. The higher you set your deductible, the lower your rates will be.
Grow Your Savings by Paying in Full
If you are on a tight budget, then monthly payments are your best bet. If you afford to pay the full premium in advance, do it. Young drivers who pay upfront can save as much as $200 on car insurance.
You may also choose to pay your rates quarterly or bi-annually.
Named Driver Tips for Cheap Car Insurance
Being a named driver on your parent’s policy is one of the best ways to reduce your car insurance rates. If the car is registered in the name of your parents, then the insurance policy has to be in their name as well.
Any adult family member can be added to your existing insurance policy. Many insurers will reduce your rates if you have an older driver named on your policy. Keep in mind that named drivers can’t build up their own no claims bonus.
Young drivers can also save money by joining an auto club. If you want to keep your premiums low, avoid modifying your car. Make sure you keep your vehicle in a locked garage overnight. This way you will reduce the risk of theft and get cheaper coverage for your car. Maintain a good driving record and start building your no claims bonus. For added savings, reduce the of miles you travel throughout the year.