Sometimes it’s hard not to take it personally when you are treated like a second class citizen by your insurance company. Young people, (typically under 25), are considered to be high risk drivers because they make more claims than older drivers. This is just a fact. Therefore, the insurance companies need to cover their butts and charge more for policies that cover young drivers. However, there is cheap car insurance for young people that take the necessary steps to ensure that they get lower rates. Below is a list of things you can do, as a young driver, to ensure that you get the lowest car insurance rates possible.
1) Drive safely. Of course, this is a no brainer. A clean driving record will go a long way in securing you the lowest rates possible. Avoid moving violations and if you do happen to get one, contest them in court to try and avoid any points that will greatly increase your auto insurance premiums.
2) Take a non required driving course. Driver’s education is not only a good idea for teenagers just getting their driving licenses. It’s a great way for anyone under 25 to get great discounts on their insurance premiums. Taking a safe driving course shows the insurance companies that you are serious about safe driving and will net you big savings.
3) Get good grades. If you are a student, you can actually get significant discounts by simply getting good grades. Make sure to choose an insurance company that offers policies that give these “good grade discounts”.
