Cheap Insurance For Young Drivers – How To Get It

You’ve been dreading this day for years but it has finally arrived, your son or daughter has finally got their driving license and now it’s time to figure out how to get cheap insurance for young drivers. If you haven’t already done some research get ready for a shock. Insurance companies set the price of insurance for these drivers the same way they do for everyone else. However, based on years of keeping statistics, drivers under the age of 25, regardless of their location, gender or type of vehicle are more likely to be involved in accidents then any other age group. As a result, the rates charged are higher, sometimes by several hundred dollars and even thousands more. So when we use the word “cheap” we mean it in relative terms. Getting insurance for your teen driver will be expensive but there are still ways to save.

First, insurance companies understand that this is a growing demographic and that young drivers eventually become adult drivers and if an insurance company can get them as clients early, there is a good chance they will stay with that company for many years to come. So, they do offer special discounts and incentives to attract these drivers. You just have to go looking for them and make sure you ask.

This is where the web comes into play. It’s so much easier today to comparison shop then it was say twenty years ago. There are several sites that you can go to that will quickly present you with different options on cheap insurance for young drivers. Remember, not every company will offer discounts or they will offer different discounts so it’s important to shop around. With a little effort you should find companies that will reward:

Excellent Grades – Both for college students and high school students.

Equipping your vehicle with electronic devices that can monitor driving habits.

Taking an accredited young drivers safety course

Occasional driver because the driver is going to school somewhere other than where the car is kept

Graduating from college

When comparison shopping always look for additional discounts that might be offered for teen drivers, you never know what you might find that works for you.

In addition to special discounts there are other factors that can help provide cheap auto insurance for young drivers. The type of car being driven is important. Stay away from souped up sports cars or pickup trucks. A slightly used family sedan is best. Keep a clean driving record. Every year your driver keeps a clean driving record will result in reduced rates. If the young driver won’t be using the car very often sometimes you can get a low mileage discount. And of course, the biggest savings comes if the driver is listed as a casual driver for the vehicle and the parent is the primary driver. As soon as the car is owned by the young driver rates go sky high.

Getting your first driver’s license is a big step in everyone’s life and every parent wants to see their child grow and expand their horizons but not getting cheap insurance for young drivers can be a tremendous financial burden for many families. Fortunately, with a little effort and the Internet, those costs can now at least be kept to a minimum.

Cheap Insurance For Young Drivers – A Plan to Find Good Deals With Help From Video Games

As the time for a new motorist to officially get behind the wheel approaches, there are some important things that need to be taken care of. Besides making sure that this young person has their license, it is also important to make sure they are properly insured as well. And since it is parents that usually foot the bill for their teen’s coverage I’d like to talk about a way that kids could help their folks find cheap insurance for young drivers with the help of video games.

In this day and age most young people play video games. There are a few major gaming systems out there that seem to bring the arcade experience right into the comforts of home. Some critics say that all this excessive game playing by teens is actually detrimental to their long-term well being. I actually feel that video games are teaching young folks a lesson that could help them in the real world. This is especially true for those teens that are close to getting their chance to drive. Finding cheap car insurance for young drivers could be made easier by using video games as your guide.

Video games are usually based on the use of some sort of strategy to win. This same need for strategy can be used to help find affordable auto coverage for a teen motorist. Much like you search for targets and objectives in a game, you can do the same in your search for the best vehicle protection. For instance, if you know you are a good student in school, you can make it your goal to look for ways to benefit from that. Try to find which insurers offer discounts to students on cheap auto insurance for young drivers that maintain good grades. You should be able to find some discounts as high as 15%.

Another way to save money on cheap insurance for young drivers is by helping others accomplish the same goal. Just like you would team up with a buddy to complete a mission on a video game, you can team up with your parents to complete the mission of saving some coin on auto coverage. You can do this by sitting down with them with specific plans to go over the current vehicle policies. You can help them find more ways to save like completing a state-approved defensive driving course with them or adding more safety features to their vehicles. Let your folks know that you want to help yourself by helping them because the more money they save means the less resistant they may be over letting you drive.

Show your parents that you are a team player who is committed to doing whatever it takes to become a driver on the road. If that means putting down the game controller every once in a while to help do extra chores around the house then so be it. If you can help your folks find cheap insurance for young drivers then it could be the beginning of a new level of responsibility and independence for you. So as you look for the best auto coverage, let the games begin.

Finding Cheap Insurance For Young Drivers And Learners

Young people and learner drivers can have a hard time finding car insurance that is affordable. As a learner you pose an increased risk for insurers because you have no track record, are not an experienced driver and are by definition more likely to have an accident. Some companies will not even offer to cover learner drivers, especially teenagers. Many learner drivers are young, but not all of them.

For young people, it is often an option to get an extension on their parents insurance to cover them for driving their parents car. This is a good option and is fine when you are just having occasional use of a car that belongs to your parents. If you have your own car, you cannot do this. Having said that, it is not unknown for people to get cover for their new car by pretending that it is a parents car and that they are only an occasional user.

This is known as fronting and, while it may be fairly common, it is still a high risk strategy. For a start it is illegal, but if you were to be involved in an accident, it is almost certain that the company would not pay out, because your cover was fraudulent. This really is to be avoided, however tempting the cheap premium may seem.

If you do have your own vehicle and you want to find cheap insurance as a learner driver then that really is a challenge. But it is not impossible to find reasonable cost cover. You just have to know why insurers charge more, which then enables you to take steps to bring the costs down a bit.

Insurers charge a lot to insure new drivers because there is a long history of accidents caused by young drivers, which all result in expensive claims for the insurance companies. They have to make money, and they do this by assessing the likely risks of each type of insurance they provide and charging more for the ones that are statistically more likely to result in a claim.

There is little you can do about the fact that you are a new driver without experience, but you do have control over the car you drive, and that will affect the cost of your insurance too. While the temptation for boys in particular is to go for a shiny new fast car with a powerful engine, the insurers know that a learner driver plus a powerful car equals almost certain accident. This is only a problem if you happen to be wealthy enough to afford such a car anyway.

Resist the urge to get your dream car straight away and instead go for something older, smaller and less powerful. Such a car should be in a low insurance group, which is something you must check out before deciding which car to choose. All cars have an insurance group and this will have a direct impact on what premiums you pay.

If you manage to find a second hand small car that is not worth too much money, this will have a dramatic impact on making your insurance cheaper. You can also look at building in an excess for any claims you have to make, which will also reduce costs substantially.

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