Auto Insurance For Younger Drivers – 6 Tips to Help

Written By: Marlene Fritz on September 30, 2009 No Comment

by Marlene Fritz

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.

You cannot count upon your present insurer to offer you the best premium deals out of loyalty. You need to shop around every year or so to make sure you have the best rates from the top company.

Driver’s education classes earn better rates with some companies. Sometimes these are taken at school, but these days, it is more common to find a private company that offers them. The classes, which include classroom time, as well as time behind the wheel, may cost a few hundred dollars. This should be balanced against premium discounts, and the fact that they really have been proven to turn out better drivers.

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.

Younger drivers should probably not ge the keys to a specialty car. These cars tend to be associated with more claims, and having a teen driver at the wheel is a double whammy. A sedate family sedan will probably be a better choice than a sports car.

6. Shop around online. It can take a lot of time and trouble to call around to the many insurers who do business in your town. But an online form allows you to key in your details one time. Then you can simply hit the submit button and relax because the most competitive insurers will send you their offers for affordable policies and premiums.

If turning your own child into a safe driver is a tough task for any parent, finding affordable coverage is also a hard task. I hope these tips help you. Good luck, and be careful driving.

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