6 Tips for Cheaper Young Driver Auto Insurance

Do you need to insure a younger driver, under 25 years old? If you have insurance shopped, you have probably found that covering that young person is one of the most expensive things about having them drive a car. Insurers consider teens and young adults as a very high risk group, and so they will charge more for that insurance. In fact, many parents have found that coverage costs more for their kids, then it does for them.

Tips to Insure A Younger Driver

1. Major auto nssurance companies love having all of a family's insurance business. 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. Sometimes you can find driver's education classes at a school, but these days you may have to pay for a private class. 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. You may be able to get help from a qualified car insurance agent or company representative.

5. Do not choose a modified or specialty car for a younger driver. Statistics show insurers that a modified car will just run a higher risk of claims when driven by a younger operator. A sedate family sedan will probably be a more prudent choice than a sporty, high horsepower car. Save that for when the driver is older and more mature.

6. Shop around online. The task of calling dozens of local insurers with all of your specific details may take hours or days. 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. However, you can certainly take some simple steps to find lower prices. Good luck, and drive safely.


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