Car Insurance Tips

Young drivers are handed a double edged sword to deal with. On the one hand, they have to go through the rigors of getting their driving license in order to become fully independent. On the other, they have to contend with paying car insurance premiums that are not cheap. If the young driver is a teen then it is likely mom and dad will settle the bill every month. If this is the case then you should consider keeping this insurance with your own company. You can request a discount and if you have also insured your home and household contents with the same company they should comply with your request. It does cost more for a family to have a young driver. Car insurance is a necessity if you want your teen to get around legally.

If the driver is a college student with a good grade point there are companies willing to give a discount. This is because a steady and responsible student is less likely to be an irresponsible driver. According to the statistics it is the young drivers’ category that is involved in the most accidents and mishaps. Car insurance companies know this and prefer not to lower the insurance rates for this group.

Another tip for keeping young driver car insurance down is to make sure the young driver does not have a high performance car. It costs a much higher premium to drive such a car. Young members of the family should understand that a monthly premium must be paid every month for as long as they are driving and that could be for most of their lives. It is far better to base your choice of policy on an informed decision. You can get this by using a free online quote to find the cheapest young driver car insurance.