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6 Tips for Cheaper Young Driver Auto Insurance

Do you need to insure a younger driver, under 25 years old? If you have insurance shopped, you have probably found that covering that young person is one of the most expensive things about having them drive a car. Insurers consider teens and young adults as a very high risk group, and so they will charge more for that insurance. In fact, many parents have found that coverage costs more for their kids, then it does for them.

Tips to Insure A Younger Driver

1. Major auto nssurance companies love having all of a family’s insurance business. If your family has more than one car, more than one driver, or even a home to insure, you may do well to combine all of your coverage with the same company.

Do not always asume that your old company will give you the best deal though. It is always in your best interest to shop around for the insurer who really wants to compete for your family’s business.

2. Top companies also like defensive driving classes. Sometimes you can find driver’s education classes at a school, but these days you may have to pay for a private class. Be prepared to pay a few hundred dollars for classes and road training. However that cost should be offset by the money you will save on your policy. In addition, if the class helps a young driver operate their vehicle safely, than the costs are really minimal.

3. Good students, with a B average or above, may also qualify for additional discounts. Insurer statistics have shown that reponsible students just tend to be better drivers too.

4. Consider the type of car a younger driver will operate. Some cars are just cheaper to insure, and most companies offer discounts for or auto . In addition, you may be able to name your younger driver on the car in your family, if there is a choice, that is less expensive to cover. You may be able to get help from a qualified car or company representative.

5. Do not choose a modified or specialty car for a younger driver. Statistics show insurers that a modified car will just run a higher risk of claims when driven by a younger operator. A sedate family sedan will probably be a more prudent choice than a sporty, high horsepower car. Save that for when the driver is older and more mature.

6. Shop around online. The task of calling dozens of local insurers with all of your specific details may take hours or days. But an online form allows you to key in your details one time. Then you can simply hit the submit button and relax because the most competitive insurers will send you their offers for affordable policies and premiums.

If actually teaching a son or daughter to drive is one of the toughest things you have to do, then finding a good and affordable auto policy may be the secondd hardest. However, you can certainly take some simple steps to find lower prices. , and drive safely.

Marilyn Katz
http://www.articlesbase.com/finance-articles/6-tips-for-cheaper-young-driver-auto-insurance-1049503.html

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Comments:7

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  1. michaeln_2006
    10/08/30

    Anyone knowing the best/cheapest auto insurance for young drivers?
    Hello! I am a young driver (19) who is looking to buy a new 2007 ford mustang (the deep red color). I really want this car but it looks like there is no way that I will be able to afford the auto insurance for this thing. Anyone know the best company for me to speak with? Any advice or tips will help. Thanks!

  2. love_2b_curious
    10/08/30

    After researching over 25 different insurance companies over the internet, none beat Safeco’s premium… NONE!
    References :

  3. hec157
    10/08/30

    AIS or any other insurance broker
    References :

  4. apgbah
    10/08/30

    I can’t answer your question until you are 25 and have a very good record. I would however point out a recent experience with car Ins. I am 72 and changed from NRMA to alliance when the NRMA changed it’s policy on repairers.In the course of that year I had a minor car park accident. I also had my engine burst ito flames when no one was in it. I got a letter from Alliance declining to renew my policy as I had had 2 "at fault "claims in the year. When I pointed out that baursting into flames was not my fault, and after some discussion, I descovered "at fault" means they have nobody to claim the money back from!!!. I went back to the NRMA and told them what had happened and they accepted me.
    References :
    experience – even at my age

  5. namrepus
    10/08/30

    Ok here is the best thing to do, for fastest and easiest way try to search it on the net, im sure theres a lot of insurance company that could give you an online services, try to visit this site http://www.nightbirdssolutions.com it will provide you list of car insurance company that will give you a cheap and quality car insurance services. Just collect qoutes and select the best one for you.
    References :

  6. John W
    10/08/30

    So I did a very rough quote on your car, and its coming back at around $4000, which is about $333 per month!

    However, I don’t know everything about you, so it may change. I used just a 2 dr Mustang, no GT or anything. the best thing to do, is to get a quote yourself which will be more accurate. Go to http://www.auto-insurance-knowledge.com/24-hour-insurance-quote-auto.html for the quote, it compares all companies and gives you the best prices.

    Be sure to mention if you are in school and if you have taken drivers training, as these could reduce your rate.
    References :
    http://www.auto-insurance-knowledge.com/24-hour-insurance-wuote-auto.html

  7. Al M
    10/08/30

    Do not buy new car. Buy used. Save lots of $, and also lower insurance.

    Talk to several different insurance companies for guidance, starting with whoever is the agent for your parents insurance.

    Kids your age have a reputation, true or not, of wanting fast cars & drive them fast, and have big accidents. You need to get a car that is outside of this sterotype to have any hope of good insurance rates. They after you have driven 5 years or so without a single blemish on your driving record, have conversations with insurance agent again about what kind of car you can afford insurance on.
    References :

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