subject: Cheapest Car Insurance For Young Drivers [print this page] It could be challenging to find the cheapest car insurance for young drivers. This is since young drivers statistically are more prone to getting into accidents, and this aspect thus makes their auto insurance premiums higher. With this said, it helps to follow some guidelines that will result in reduced rates for youthful drivers.
To begin, a youngster should maintain a good average in school in order to possibly qualify for an auto insurance discount. Many auto insurance companies offer discounts to students who keep their grades up. A 3.2 or more is oftentimes more than enough to qualify for such a discount.
Comparing quotes is yet another way for a younger driver to obtain cheaper auto insurance. It is always best to comparison shop, as some auto insurance companies may offer discounts for younger drivers while others do not. Furthermore, each of the plans may in general have attributes which are more amenable to getting lower rates for young people than other plans are.
Young people who wish to find cheaper auto insurance rates should also keep a clean driving record. Any auto infractions indicate to the insurance company that a young driver is not responsible and is acting within that statistical group of younger drivers who is accident prone. Accidents do have adverse affects on auto insurance premiums, and it is best of course for young drivers to avoid them at all costs.
Reducing coverage is yet another way to potentially get auto insurance rates down for young people. Reducing coverage would, for example, entail increasing the deductible, removing nonessential items from an insurance policy such as collision coverage, and more. All of these actions will act to get the monthly premiums down for a young car driver.
Getting a quality car that is not expensive will also serve a young driver well. For instance, it is expensive to insure a car like a Lexus, and those expenses will be tacked on to the additional costs that a young person will already have to pay due to his or her age.
Taking a driver's ed class with both a road and a classroom component can also have a positive affect on a young person's monthly auto insurance premium. This is as the auto insurance company likes to see that the young person is taking responsibility and getting experience driving. It is not enough to just pass the road test.
In conclusion, younger people on average pay higher auto insurance rates as they are said to statistically be more accident-prone than older adults. With this said, there are thankfully many ways for a young person to get cheaper auto insurance rates.
by: Alexis Ford
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