Car Insurance for Young People – Teens Drive for Less
October 19, 2009 by Marlene Fritz
Filed under Auto Insurance
Is your teen or young adult child looking for auto insurance? Or are you the young driver who needs to find a policy so you can operate your vehicle legally. If you have endured sticker shock from looking at premiums, you are not alone. Any young driver, especially young males under 25, will be expensive to insure. In fact, it can cost more to insure a younger driver than it does to insure both of the teen’s parents!
Ways to Find Auto Insurance For Younger People
1. Insurers love multiple policies from one family. 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.
Your old company may not offer you the best rates. Loyalty discounts are rare, and most experts advise you to shop around periodically.
Also consider driver’s education or safey classes. Since these classes have been demonstrated to produce better drivers, many top insurers are willing to offer a discount upon completion. The classes include time on the road, as well as classroom instruction. They may cost $400 or more, but can be offset by premium discounts and the fact that graduates are less likely to have accidents.
One statistic that counts in a good student’s favor is that B average students tend to make few car accident claims. This also earns a discount with some insurers.
4. Consider the type of car a younger driver will operate. Some cars are just cheaper to insure, and most companies offer discounts for anti-theft devices or auto safety features. 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. A qualified agent or company rep may be able to help you with advice for your own family’s specific situation.
You probably want to keep your teen driver away from any specialty cars. A high octane sports car will probably cost a lot to insure anyway, and having a young driver will just double the issues. Let Junior become an experienced driver in a more sedate vehicle first, and then when he has proven he is a good driver for a few years, the sports car can be a reward later.
Take a few minutes to compare plans and prices. It can take hours or days to call around, but it only takes a few minutes to complete an online form. The best ones work with competitive insurers to offer you the best premiums from top companies in your local area.
I understand from my own experience that getting a son or daughter on the road is one of the hardest steps a parent has to take. Finding an affordable car insurance policy may be the second hardest. I hope these tips will help you, and be careful on the road.
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