If you are 18 years old and are looking for a cheap car insurance policy, you should know that not every company is going to have a great deal in store for you as a young driver. Most people that are only eighteen years old add insurance coverage for their vehicle to their parents’ insurance policy. Obviously whether the 18 year old will pay for the coverage or whether their parents will pick up the bill is for them to discuss.
I can remember when I first got my license, the first few years was paid for by my parents because I was still in school and didn’t have much of a job. I was not from a rich family by any means, but my parents helped me out when I needed it. Many of my friends, though, had to come up with money on their own to pay for insurance coverage for their vehicles.
Finding Cheap Car Insurance at 18 Years of Age
If you are out looking for auto insurance and need to purchase your own policy at 18, then a great place to start your search is online. As a young driver, most websites have step-by-step online guides that will take you through the process of getting a quote and comparing prices so that you end up with a good deal. Finding a reliable insurer with a good price does not need to be a difficult process, but it will take a lot of learning and researching on your part as a younger driver.
If you haven’t already read the article that I wrote about insurance for 17 year olds, you may want to review it because getting a policy as an 18 year old is pretty much the same process. All people that are ages sixteen to twenty five (16-25) are categorized as being inexperienced, risky drivers. You probably won’t get much of a better deal as an eighteen year old than you would as a seventeen year old driver so any information related to young drivers that you can find on the internet is worth checking out.
Ways to get Reduce Your Rate and get a Cheaper Policy at 18
Always make sure to compare quotes
If you really want to get the best possible deal and are only concerned about getting a low price, then the way to do it is by comparing quotes. Use the tool at the top of this page to enter your Zip Code and compare the available rates. If all you are seriously concerned with is getting a very low price, then all you will really need to do is check quotes. I would recommend against choosing the ultimate lowest price though because your coverage might end up being poor or below average.
High deductibles equate to more savings
Taking higher deductibles equates to more savings on your monthly payments. So if you want to save as much money as possible, you will want to consider taking a deductible that is high. The lower your deductible, the higher your premiums will be; when your premiums are high, you will need to spend more money towards auto insurance. Not every young driver needs to take a high deductible, but it can be beneficial to do so if you are on a limited budget.
Compare total coverage amounts that are offered
Always compare the amount of coverage that you are being offered to make sure that you are getting enough of it. Many people don’t compare companies based on coverage and they only end up looking at quotes. If you fail to consider the coverage that you are being offered, you may miss out on a good deal because you aren’t taking all aspects/dimensions of insurance into account.
Make sure that you choose a good insurer
Having a good insurer on your side can make all the difference in the world. If you pick an insurer with poor customer assistance, you are setting yourself up for a miserable experience. Make sure that you read several car insurance reviews before choosing a company. Even if you aren’t able to get the cheapest auto insurance for 18 year olds, you will at least be setting yourself up with a good insurer.
If you have a quality insurer backing you up, accidents will be handled professionally and claims will be processed quickly. If you go out and get insurance without going through a decent provider, you are wasting your own time and money. There are a lot of what I would call “horrendous” auto insurance companies out there – so make sure that you pick an insurer that you know will do a good job handling your policy and meeting your needs.