Cheap Insurance For Young Drivers – Ways to Cut the Costs

Do you know how to get cheap insurance for young drivers? While insurance for people who are under 21 is always going to be more expensive than for good drivers older than that, there are ways to cut the costs. Here are some strategies to get cheap insurance for young drivers.

First of all, get educated. This means taking all of the required and elective defensive driving classes offered because they can cut up to 20 percent off your overall rates. Getting good grades in your academic classes can cut another 10 percent off the top.

Next of all, choose your car wisely. Many teens want a decked out new car. But aside from the car itself being pricey, the insurance skyrockets with these kinds of vehicles.

Think about limiting how much you drive. If the distance between work and school is small, that’s a good start. If you promise to not drive between certain hours, you’ll shave off a good portion of the insurance costs. And, if you limit the overall miles driven, you can also save money.

Choose your insurance wisely. First of all shop around. And, once you’ve found a company that is right for you, pick the policy with the deductible that works – don’t over insure yourself. That goes for collision insurance as well; if the car’s not worth much, it’s not worth collision insurance.

Finally, once all of the pieces are in place, keep your driving record clean. If you get a couple of points on your record as a young driver, you will be paying high premiums well into your mid twenties.

And that’s how to get cheap insurance for young drivers.

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