Just Auto
Get a Quote
Get a Quote
If you are a driver that’s under the age of 25 and unmarried you are in the most expensive age group when it comes to purchasing young driver auto insurance. Insurance companies charge more for young driver auto insurance primarily for the lack of driving experience that young drivers have. Although this doesn’t feel very fair for the average young driver, there are many statistics to back up their reasons for charging higher young driver auto insurance rates.
Here are a few reasons why young driver auto insurance is more expensive:
• Drivers between the ages of 16 and 19 have the highest crash rate relative to all other age groups. The risk of crash involvement per mile driven for 16 to 19-year-olds is four times that of older drivers.
• Motor vehicle crashes are the leading cause of death for 15 to 20-year-olds.
• In 2000, 63% of 13 to 19-year-old passenger deaths occurred when other teenagers were driving.
Here are some ways to lower your young driver auto insurance rates:
Get married – Well, actually you should wait to be in love and know each other for a long time but, it is true that young driver auto insurance is cheaper for people who are married. Insurance companies believe that married drivers drive a lot safer than single drivers.
Get good grades – Most auto insurance companies offer young driver auto insurance discounts for students who get a 3.0 or a “B” average. This works for rates for young driver auto insurance for both high school and college students. Young driver auto insurance companies believe that good students make more responsible drivers. Study hard and the work that you put in can put some extra money in your pocket.
Drive safely – If you get no tickets and stay out of accidents, you’ll get a better rate on your young driver auto insurance. Every point you get on your record will make your young driver auto insurance rate go up. If you do get into an accident, the best thing to do is to go to traffic school. Traffic school will remove the point from your record so your young driver auto insurance rates don’t go up. Here’s another tip: If you’re going to go to traffic school, do it online. It’s much more convenient and sometimes cheaper, too! But, be sure your state allows you to do so before signing up for online traffic school.
Choose the right auto insurance company – Rates for young driver auto insurance are so high, that you really can’t afford to not compare rates from company to company. It can make a huge difference on your rate and the size of your deductible. Looking for a great place to start? Just Auto Insurance is a great auto insurance company that offers low auto insurance rates and specializes in young driver auto insurance. To get a quote, just give them a ring today at 1.877.639.8727.
Choose the right car – Your young driver auto insurance will be a lot cheaper if you buy a car with lower horsepower and one that is a little older. The more expensive and the faster your car can go, the more you will have to pay for insurance. Plus, if your car is paid off then you won’t have to have it insured as heavily. Most auto finance companies demand that you carry full coverage on a car if you are still paying it off.
Take a driver’s training course – Many auto insurance companies will give you a lower rate on your young drivers insurance if you take an approved driver’s training course.
Student packages – Some young drivers can get a break on their young driver auto insurance by limiting their coverage. Some students have a special type of insurance where they are only covered when they are driving their parents’ car when at home if they don’t intend on driving while away at college.
Raise your deductible – A good way to save money on young driver auto insurance is to purchase insurance with a higher deductible. Although if you get into an accident you will have to pay more before your insurance kicks in, but if you don’t get into any accidents, then you’ll save more money.
