Young Driver Auto Insurance Tips

For experienced, older drivers, getting cheap auto insurance is not a big deal

. But if you are a younger driver, or you have less experience, it may be tougher. Insurance companies consider you to be a high-risk driver, and charge you higher premiums. But by knowing how the companies evaluate drivers, you can save yourself a lot of money on car insurance.

Younger drivers cause more accidents statistically speaking, and so insurance companies consider them to be high-risk. If the insurance company thinks that you're at high risk for accidents, they will charge you more money for insurance. In fact, the younger you are, the more you're considered to be a risk. That's why teen drivers have much higher premiums than older drivers.

One factor the insurance companies consider when they set your rate is marriage. Insurance companies see that married couples are more responsible, and thus they are charged lower rates. That's why this question always appears on applications. Having kids is another indicator of responsibility. Since they have found that people with children have fewer accidents, they charge these people less.

But if you don't want to get married and have children, a great way to get it good deal on car insurance is to use your parents'. Getting ensured through your parents insurance policy can be much cheaper than if you have your own policy. However, this requires that your vehicle is held in your parent's name. Some companies might require that you live with your parents as well.

Students can often get discounts on car insurance. If you are a high school or college student, be sure to note that on your application. Many companies also give discounts to people who have completed drivers education courses, or defensive driving courses. If these are offered at your school, consider taking one. Above all, be sure to avoid tickets, science, and moving violations. These can really increase your insurance premium. If you're a teen or younger driver, keeping a clean record will really help you when you get older.

The most important thing to consider when getting auto insurance for younger drivers is to get lots of quotes. Since it's so easy to get quotes online these days, you don't have any excuse for not checking out lots of different policies. Prices between companies can vary greatly, so to get the best price, be sure to compare lots of quotes and plans.

by: Steve Mackey

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