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Understanding Young Drivers and Car Insurance Policies

It can be very challenging to shop for car insurance these days – especially as a young driver. The pressure to get a good price and all of the marketing from major companies on TV with their catchy commercials may leave you clueless as to where you should start looking for an insurance policy. As a young driver, it is important to make sure that you have a good first experience with an insurance company.

Since you probably don’t know a lot about insurance policies, it would be a very good idea to talk to your parents about getting coverage. Due to the fact that young drivers carry “higher risk” than average, most insurers will charge them higher prices for premiums. With that said, there are still plenty of things that you can do to save money on your insurance if you are within the age range of 16 to 25.

Discussing young drivers car insurance with your parents

The biggest reason that you should always talk to your parents and/or guardian(s) about getting an auto insurance policy (if you are a young driver) is because you will likely be able to get discounts simply by bundling your policy with their provider. In other words, if you sign up for coverage under the same company that your parents are affiliated with, you can save way more money than if you purchased a policy on your own. Some people refer to this as a “joint car insurance policy” because you are essentially sharing one provider to reap the benefit of a discounted price.

How to get cheap car insurance for young driver(s)

Keep your risk low – The lower your risk is as a driver, the easier it will be for you to get a good deal on your coverage. To keep your risk low, always abide the traffic laws and regulations in the location that you drive. Avoid getting pulled over for traffic violations because this could increase your risk as a driver.

Focus on your grades – Most insurers will offer better savings on car insurance for young drivers that do well in school. If you are going to a high school, college, or even a technical college, you can probably save money on your insurance bill by showing your provider that you did well in all of your classes. Each insurer is going to require a different grade point average – so ask what is required of you.

Protect your vehicle – Protecting your vehicle means that you should store it in a secured place, especially at night (e.g. park it in a garage). You can also make sure that a security alarm system is properly installed in your vehicle to keep theft at bay.

Compare quotes – When looking to get cheap car insurance for young drivers, the best thing you can do for yourself is to compare quotes. No matter if you are trying to get a comprehensive car insurance policy or just want some type off basic collision protection, you will still want to see how companies compare to one another; never skip the step of comparison shopping.  Be sure to use the free quote comparison form at the top of the page to see what kind of deals you can get in your area!

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