You definitely know that no age group pays as much as those under 25. The reasons for this are quite understandable. But we will not concern ourselves with those in this article. We want to see simple things that will help young drivers attract very affordable auto insurance rates. Here are a few...
1. Defensive driving or any other special driving program approved by your insurer will get you discounts. The reason is simple: Defensive drivers are trained to drive safer. This is particularly important for high risk profiles. Being certified as a defensive driver will save a young driver thousands in premiums in a few years. Therefore, do your best to get trained in defensive driving from a recognized center. And, don't forget to tell your agent once you complete the course.
2. If you live in an urban area do your best to use the public transport system as much as possible. This will drive down your mileage. And since mileage is a strong factor that determines your premium, you'll attract more affordable rates. The rule should be: Use your car only when you do NOT have a more cost-effective alternative.
3. Your rates will jump through the roof if you modify your car. Things like changing your tires to bigger ones than specified by the manufacturer, adding chrome wheels, adding equipment that will increase your car's horse-power will cost you a lot more. So if you're really serious about keeping your rate down, leave your car the way it was manufactured.
4. There are insurers who have a better understanding of young drivers. They know that although the age group is statistically a bad risk, there are many very responsible under-25 drivers. Such insurers may give you some simple rules to stick to but they'll save you a few thousands in a few years. But how do you find them?
Simple! Get and compare quotes from a wide range of insurance companies. Visiting a minimum of five quotes sites is a starting point. From the quotes returned you'll see those insurers. They have very low rates for excellent coverage.
Here are great pages for auto insurance quotes...
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Chimezirim Odimba writes on insurance.
