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Young Drivers and Car Insurance Rates - 6 Top Expert Tips to Save Money

By Marilyn Katz

Republish: EasyPublish™
Published: 18Jul2009
Word count: 532
Viewed: 506 time(s)

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Are you the parent of a younger driver, or perhaps an under age 25 driver yourself? You probably know that one of the most expensive things about operating a vehicle now is to obtain affordable car insurance. Student drivers, under age 25, are considered a very high risk group by major insurers. As such, if teens and young aults can find a policy at all, they will probably need to pay more than their parents. In fact, sometimes their policies will cost more than that of both parents put together!

Tips to Insure A Younger Driver

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.

Do not always asume that your old company will give you the best deal though. It is always in your best interest to shop around for the insurer who really wants to compete for your family's business.

2. Top companies also like defensive driving classes. You may be able to take driver's education at a local public school, or you may have to find a private one. Be prepared to pay a few hundred dollars for classes and road training. However that cost should be offset by the money you will save on your policy. In addition, if the class helps a young driver operate their vehicle safely, than the costs are really minimal.

3. Good students, with a B average or above, may also qualify for additional discounts. Insurer statistics have shown that reponsible students just tend to be better drivers too.

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.

5. Avoid specialty or modified vehicles for an under 25 driver. Insurers believe, and statistics bare this out, that there is a greater risk of higher claims with any sort of modified auto which is operated by a younger driver. It is probably common sense to understand that a sedate family sedan would be a better choice than a high horsepower sports car. Save that for when the driver is older and more mature.

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 actually teaching a son or daughter to drive is one of the toughest things you have to do, then finding a good and affordable auto policy may be the secondd hardest. But you can take steps to help you out. Good luck, and drive safely.

Let us help you find under 25 car insurance at affordable prices. We understand insuring young drivers, and want to help you.

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