Everyone who wants to drive a car in any of the 50 states has to have car insurance. This includes the new and young drivers. According to many reports younger drivers aged 16-25 are more likely to get into an accident especially teenagers. This makes it more expensive to insure them relative to other drivers. Lets look at some ways to still get get cheap car insurance for young drivers.
Driving courses are a good way to lower your car insurance costs with your teenage drivers. Many insurance companies will offer discounts for completing driver safety and additional driving courses. Make sure to ask your insurance carrier if they offer this or are willing to offer this discount. They may ask you to show proof of completing the course such as a receipt. This is good in two ways because you get a discount on your insurance and your young driver gets more lessons on being a better driver.
There are discounts for driving fewer miles, always using a seat belt and not having any accidents or tickets. If your teenager is only driving from home to school make sure to let your insurer know this to get a cheaper rate on your insurance. There are also insurance carriers that will give you a discount for being a good student. Sometimes they will ask for a report card so do will in school and that translates into cheap car insurance for young drivers.
A tactic that works with any age of driver is having a higher deductible especially if you are a good driver and never get into an accident. This does mean that you will pay for any of the smaller items and more out of pocket if you do have an accident but it lowers your premium and can really save you some money. Just remember don’t raise your deductible too high that you would not be able to afford it if you had to.
One of the best ways to get cheap car insurance for young drivers is to get multiple quotes from different insurance companies. This is easy to do online. Getting a quote should be free and allows you to price shop and see which works best for you. You can also find an independent agent or broker who can give you multiple quotes.
All drivers have to have car insurance but there are still ways for you to get cheap car insurance for them. I hope this article has helped you learn some of those ways to save money when you have to purchase car insurance for your young drivers.