If you are a young driver looking for cheap car insurance one of the best things you can do to increase your odds of finding it is to look for it, and compare auto insurance online.
Young drivers have many things going against them. They have less experience than people who have been on the road for years. They tend to take more risks than their older counterparts. And statistics show they are more likely to get into an accident than any other age group. Statistics show that males in the age range of 18-25 are more likely to get into an accident than any other demographic of people who operate a vehicle in the United States. Insurers know this, and they adjust their premiums to compensate for this increased risk. That is why providers charge both females and males who are in the age range of 18-25 the highest premiums.
But all is not lost and you should not give up hope (even if you are an 18-25 year old male). Young drivers can still find cheap car insurance.
To help increase of odds of finding the best coverage and the lowest price please consider the following suggestions:
1) Keep a clean driving record. Think about it like this, insurers are insuring you against the risk of you getting into an accident. What is the best way to demonstrate that you are a low risk to get into an accident? Keep a clean driving record. If you are just starting out, and you are new on the road, then it going to take time to establish a good driving record. However, the longer you maintain a “clean license”, the less risk insurers are going to associate with you. And this also means avoiding all moving violations. Statistics show if you have moving violations against you on your license that you are more likely to get into an accident than someone that does not have a moving violation on their license. Again, if you are looking for young drivers car insurance and you want to get it as cheap as you can, the best thing you can do to accomplish this goal is keep your driving record clean.
2) Get good grades. If you are still in school, but are purchasing a policy on your own, you can help your cause quite a bit by keeping your grades up. Insurers keep many stats on the habits of different demographics of the population. And believe it or not, students who get good grades are less likely to get into an accident than students that do not get grades. We believe keeping your grades up is a smart idea to start. But in addition to opening doors for other opportunities you may be rewarded with a discount for simply maintaining good grades if you are in school. If you are a student looking for young driver car insurance, we strong recommend keeping your grades up, by doing so you may qualify for a good student discount which will help you to lower your premiums.
3) Drive a modest car. If you are 18-25 and looking to save money, you help your cause significantly by driving a modest car. Higher end models are usually more expensive to repair than lower end models. Furthermore, faster / sportier cars are more likely to get into accidents than conservative cars. Insurers know this, and charge higher premiums for flashier, faster, and more expensive cars. To help keep costs and premiums down, drive a modest car. If you have yet to purchase a vehicle and are unsure as to what is the best car to help keep insurance premiums to a minimum, take the time to compare auto insurance premiums prior to buying your car. This way you know exactly how much it will cost to insure each vehicle prior to you purchasing it.
4) Take a defensive driving class. Young drivers have less experience than their older counterparts. Thus, each and every little thing a young driver can do to demonstrate to a car insurance company that they are serious about driving is important. A defensive driving class will help you to become a better driver, furthermore an auto insurance company may reward you in the form of a discount on your car insurance for doing so. Remember the name of the “game” is avoiding accidents, thus taking an accredited defensive driving class will help you to become a better driver and in the process could help you to lower your premiums.
5) Compare Car Insurance Online. Second to only keeping a clean driving record, probably the next best thing you can do to save money on auto insurance is compare free quotes online. Car insurance companies access risk independently and differently. Therefore, many times you will find that each company offers a different quote for similar coverage. The best way for all drivers including a young driver to find quality cheap car insurance is to compare free quotes online.