Car insurance companies think that young drivers don't have much experience behind the wheel. Because of this, they see young drivers as a high risk to insure. This doesn't mean that car insurance companies won't cover young drivers, but it does mean that many of them will charge much more for young drivers than they do for older, more experienced drivers.
Even though young drivers probably won't see lower premiums like older drivers do for a while, there are still a few things they can do to get cheaper car insurance. Take these tips into account if you're a young driver looking for cheap car insurance.
Stay on the car insurance plan your parents have. Even if their payments go up a little, it's always cheaper to be on your parents' car insurance policy than to buy your own. Also, if you have your own car, your parents can save money on their car insurance by adding your car to their policy.
Take a course on how to drive safely or driver education. In high school, most states require new drivers to take a driver education course. No matter if you have to take a driver education or defensive driving course as part of your curriculum or not, you should take one or both. Many car insurance companies offer discounts to all drivers, even young drivers, who go the extra mile to learn how to drive safely and properly.
Check to see that your car is safe. Most car insurance companies will give you a discount if you've taken steps to make sure your car is safe, whether you have your own policy or are on your parents' policy. Install a safety alarm and a device to keep your car from being stolen on your steering wheel. Always keep your car locked and park it somewhere safe at night or whenever you're not driving.
