If your car insurance puts you in a high-risk group, you'll have to pay the price. In Washington State, the law is pretty clear: car insurance companies can charge different rates for different people based on their age and gender. For young men, who tend to be high-risk drivers, this can mean that their premiums will be very high.
There are ways to lower these prices, such as:
Taking a course to get ready to drive. When high-risk drivers take safety classes, many insurance companies give them a discount. To get this perk, you will need to show proof that you finished the course.
- Being married. Even though you probably don't want to get married just to save money on car insurance, you should know that many insurance companies will give married couples a discount.
Moving to a city with less people. If you live in a place with a lot of people, there is more risk, and your rates may be higher because of that. A lot of people who live in remote areas pay much less for their car insurance.
- History of driving. Your insurance rates will go up if you get tickets for speeding or have accidents. If you always drive legally and safely, you can really lower your insurance costs.
When you are young or a high-risk driver, the most important thing to remember is that each year that goes by without a claim helps your chances of getting cheaper insurance. One of the best options for a young person who is just learning to drive is to be listed as an occasional driver on their parents' policy. Over time, they'll get a good reputation as a safe driver, which will help them when they're ready to buy their own policy.
