Young drivers such as teenagers and students usually fall into the bracket of high-risk drivers, primarily because of the high number of vehicular accidents that they are found to be at-fault. As a matter of fact, even with a lot of states having already increased the limitations on how and when young drivers can drive, statistics show that accident rates involving or caused by young drivers continue to be high. If you are a young driver and you would like to get a car insurance policy, read on to find out about how you can get one without having to spend a fortune.
First, it would be advisable to aim to get an average of B or better. This would not only be good for reaching your educational goals but also for getting lower car insurance rates. A lot of insurance companies nowadays are more than willing to offer lower rates for students who have good grades, since they are assumed to be more responsible in driving and making decisions on the road.
It would also be good to take additional driver’s education courses. Make sure, however, to check with your insurance company first whether or not they are able to offer discounts if you would taking a particular driving course. You might even want to ask for some courses that they acknowledge.
If possible, get an older car. Older cars are a lot cheaper to replace or repair, which is why they cost a lot less to insure.
Increasing the deductible could also help a lot. This is because through agreeing to pay a higher deductible, the insurance company would be able to see you as a driver with a lower risk of getting into accidents.
Lastly, take off any unnecessary add-ons on the policy. When you sign up for a car insurance policy, you often end up getting talked into adding several features to the standard policy which cost a lot but you do not actually need. Go through the features that your current policy has and remove any add-ons that you think are unnecessary.