Although car insurance premiums are usually higher for younger and less experience drivers, there are several ways to help make car insurance for young drivers much more affordable, beginning with the kind of car they drive. Young drivers should consider buying a car with anti-theft devices and safety features such as automatic seatbelts, airbags, and anti-lock braking systems because these features can help lower the cost of injuries or deaths that may occur in a car accident. The best way to find out what kind of car a young driver should buy is to ask his or her parents. If parents are happy with a car and feel comfortable with a car dealer, then a young driver can also look into buying a car similar to what his or her parents drive, which will help make the insurance process much easier and cheaper.
Young drivers who have never driven cars before should also consider the kind of coverage they are looking for. If a driver is looking for low-cost auto policy, he or she should first look into various defensive driving courses that he or she can take in order to learn how to drive safer on the road. Defensive driving courses can not only help a driver learn how to avoid accidents, but can also help them learn how to perform properly when an accident happens. By taking these courses, a driver will be able to prove to an insurer that he or she has been trained to drive safely, and thus will be more likely to avoid unnecessary accidents on the road.
Another way to lower rates on car insurance for young drivers is to purchase a car that has a high safety ranking. Cars that are deemed “safe” by auto insurers tend to have lower rates than cars that have a high incidence of accidents, speeding tickets and other safety-related offenses. Drivers who own a sporty vehicle or a convertible usually enjoy lower rates because these vehicles are considered less risky to drive than older models. Drivers who travel the road with their cars in tow are also subject to a higher risk of accident, so they enjoy lower rates as well.
Average Cost of Car Insurance for Young Drivers Another way to cut costs on car insurance for young drivers is to choose a smaller vehicle. As a young driver, it may be tempting to choose a flashy sports car, but these cars typically cost more to insure. Drivers can get a better rate by choosing a compact, four-door sedan or a coupe. These cars typically require fewer accidents, and carry lower average cost premiums. If the cost of insurance is the same, then full coverage premiums are unnecessary.
Some states offer young drivers discounts for good grades, while others may offer a discount if the student has taken a driver’s education course. Drivers who have attended a safe driving school or who have demonstrated safe driving experience on a previous occasion can often save money by having their premiums automatically decreased. Coupons are also available for some insurers. Some insurers will provide a discount if the customer wears an approved safety gear such as a seat belt.
Getting the best car insurance for young adults usually means taking the time to shop around. A number of factors influence premiums, including the driver’s age and driving experience. Younger drivers can reduce their premiums by taking a drivers education class. Some companies also offer a discount if the driver enrolls in a defensive driving program. It is important to get several quotes and compare them.