Cheap Car Insurance Young Drivers

Finding cheap car insurance for new drivers can be a bit of a challenge. When you are young and just starting to drive, or even if you are someone who is a little older, who happens to be a new driver, you want to save money whenever you can. Being a new driver can make you register as more of a risk to car insurance companies. You may have to look around a bit to find cheap car insurance for new drivers when you are just getting started. It can be worth the extra effort to find cheaper insurance when you see just how much can be saved.

You should realize in the beginning of your search for car insurance that the insurance companies have a regular set of data and information that they look at to determine your insurance rates. They will consider your age, how long you have been a driver, your driving record, your credit score, and quite a few other pieces of information to come up with an insurance rate that they believe is fair to you and offers them the protection they need for your risk level. There are some age brackets that automatically receive better rates than others because they are safer drivers, according to statistics. If you are young and inexperienced, you may discover that those two factors alone are enough to drive up your insurance premiums.

Don’t be too upset if you find that cheap car insurance for new drivers is a little more difficult to obtain. If you are a careful shopper, you may be able to get some perks and extras tacked on to your policy for little or no charge at all. Many drivers choose to take a voluntary safe driver’s course in order to get their rates lowered. This might be an option to help you save on insurance payments. Entering into agreements with your insurance provider in regard to limiting your driving time and mileage is another great way to cut back on insurance costs. If you ask your insurances agent, you may find a lot of perks that are available or simple steps you can take to get a lower insurance payment.

There are even insurance companies that provide specialty insurance for people like newly licensed drivers. You may find cheap car insurance for new drivers by focusing in on these types of insurance companies during your search. As always, you will want to get the facts and everything included on the coverage policy to compare with other insurance deals. Don’t be in a hurry; getting affordable car insurance doesn’t need to be something that you do in one afternoon. Take the time you need to be informed before you make your final choice.

You may have to do a bit of comparison shopping and looking around before you find the insurance coverage that is perfect for your situation and budget. This extra work will be well worth it when you have the coverage you need at a price you can easily afford.

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We bought our son a car for his 18th birthday! It was not bomb it was safe and reliable and we had it checked out thoroughly by the local mechanic. We also insisted, much to his displeasure that the engine power was out of the speedster range. Having organized everything on the car buying side we then went to get the required drivers insurance. There were plenty of companies out there with special policies on car insurance for young drivers however the idea of cheap car insurance for young drivers was mythical with many of them equal to a third of the price of the car itself.

We understood the reasons behind the high cost of car insurance for young drivers. We knew of the awful accidents with young drivers at the wheel resulting in writing the vehicle off as a complete loss and of course the fatalities and life long injuries of the young with the awful impact on the family. It is this reckless trend of the young and especially young males that pushes the car insurance premium through the roof.

Research has shown very clearly that a 16 year old to about the age of 26 years are still in the stages of brain development. The bullet proof mentality of many younger drivers is directly connected to the area of the brain that controls risk assessment and the young brain does not mature in this area until the mid twenties. Consequently the car insurance for young drivers world wide is at a very high premium.

However all this does not mean that insurance companies will not offer cheaper car insurance for young drivers when certain condition are met. For instance if the young driver has a clean record with no traffic offences during probationary supervised driving this will go towards the cheaper premium.

Add to this is the car he or she is to drive – does it have all sorts of accessories which may take attention away from driving the vehicle. In some countries now the attention factor is considered important enough to limit the the passenger to one person because with a car filled with talkative teenagers the young driver’s attention may be taken from the roadway. So a car which has emphasis on safety rather than power or speed will be important to the Insurance company when getting those quotes for young drivers

If you have your teenager attend extra safety training and have documentation to show they are have this training in safety driving the insurance company will value this and the policy will reflect in price offered. Training in safety driving is offered by specialized driving schools and is much more than the normal on road training.

These courses are held in open areas where the teen driver is put through obstacles and speed and braking tests and is shown by actual experience what happens when they mishandle a car or when road conditions change. This is all done in a safe environment with inflatable objects and of course impacts have no effect except to show the young driver what would have happened if it had been real brick wall or another vehicle in an on road accident.

Many companies today are selectively offering reasonable car insurance for young drivers. They will take into account the safety of the vehicle, the age of the young driver and any extra training in safety which the younger driver has been through.

So with the right preparation and the right car you have positioned yourself to get the best and cheapest cost for that young starting out driver in your family. Add to this the knowledge that Insurance companies also have vested interest in the young driver for they know that securing the policy at the younger age may mean a lifetime commitment to the company. Today there are several insurance companies that are offering attractive policy quotes to the first time driver and first time car owner.

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Men have a common conception that women can’t drive. Men always say that women can’t be good drivers because they don’t have good reflexes and they don’t use common sense while driving. But the irony of the situation is that women drivers have to pay less insurance premium than men. That’s true.

Statistics show that women drivers have less chances of being involved in an accident. Statistics also show that even if women drivers are involved in accidents, the damage done to car or drivers is considerably less than in those cases when only men were involved. Studies have proved that women drivers are more mindful of traffic rules and speed limits while driving. Another interesting fact is that women have high percentage of passing the driving examination in first attempt than men. Historical data proves that insurance companies have a point. And they want more and more women drivers to take their policies, so they reduce the premium amount for them. Men can keep on arguing that they are much better drivers but the fact remains that they still have to pay higher premiums.

Even though women have to pay lower premium amounts, still women should use their bargaining skills to reduce the premium amounts further. There are a few tips which can be used to reduce the insurance cost. Some of them are:

Women should always get quotes from different companies and compare them. They can get these from internet as well as from local agencies. This way they can chose the best one.

Women can also get good driver discount if their driving history is clean. Security systems in the car are also an option to get the premium amount reduced.

Home maker women can also be eligible for low mileage discounts. Sometimes they can get discount on auto insurance if you buy the home insurance from the same agency.

These tips and tricks can be used to further reduce the insurance amounts for women drivers.

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We get a lot of requests on how to find cheap car insurance, and almost equally as many questions related to finding cheaper car insurance for males – particularly young, single males.

Instead of just going on and on about why it’s so difficult to find inexpensive car insurance when you’re a younger guy, we set out to find the best rates for a hypothetical situation (i.e. the young male) and show you not only how we did it – but where you can too.

In order to get a good candidate, yet, not the bottom of the high risk barrel we used a few of the key factors that insurance companies use to assess risk and came up with a less than ideal, but not the most high risk male.

The Car Insurance Quote Process

First, we need a place online to get a few free insurance quotes that’s not only quick, but competitive. Our personal favorite is Quoteserv. Now that we’ve found our place to get car insurance insurance quotes from a few different insurance companies, it’s time to start filling out the application.
Male: 24

Marital Status: Single

Location: (Manhattan) New York City, New York (yes, we know this is an expensive city to live, drive and insure a vehicle in)

ZIP: 10008

Date of Birth: 6/23/83

Vehicle: 2006 Audi A4 2.0T Quattro

Rent or Own: Rent

Vehicle Primary Use: To and From Work

Vehicle Ownership: Leased

Annual Mileage: 12,000

Highest Level of Education: Associates

Occupation: Real Estate Sales

Years With Current Employer: 2

First Licensed: 16

Total Number of Drivers In Household: 2

Number of Claims of Accidents in the last 5 years: 0

Number of Violations in last 7 years: 2 (both violations were speeding tickets 6 – 9 mph over the limit occurring within 1 year of each other)

Has your license been revoked in the last 5 years: NO

Had to file SR-22: NO

Have you completed an approved accident prevention, driver improvement or defensive driving course in the last 3 years: No

Current Coverage Info: This driver has been with the same insurance company for about 2 years, and has been continuously insured for over 5 years, or more specifically since he was 16.

Desired Insurance Coverage

Bodily Injury: $100,000/300,000 w/Uninsured $25,000/$50,000

Personal Injury Protection (PIP): $0 deductible

Comprehensive Coverage: $500 deductible

Collision Coverage: $500 deductible

No extra options including towing, rental or roadside assistance.
Getting The Car Insurance Quote

Drumroll…ok, let’s stop the drum. These rates are very expensive, but keep in mind that the rates given are competitive quotes for a high risk driver residing in an extremely densely populated area in one of the largest metropolitan cities in the U.S. With that being said, on to the rates in order of lowest to highest.
Unitrin Direct: $2,009.00/6 month premium or $334.83/mo
AIG Auto Insurance: $2,374.37/6 month premium or $395.73/mo
Liberty Mutual: $6,284.00/6 month premium or $523.67/mo
The Hartford: $3,839.00/6 month premium or $639.83/mo
Auto Insurance Quote in Summary

Ok, so we didn’t exactly find rock bottom car insurance rates for a single guy with 2 speeding tickets renting an apartment with an expensive vehicle in Manhattan, but, we didn’t want to make this an example of an ideal low risk driver in a low risk city. In all likelihood you will see rates of about 1/3 of these. The best thing you can do is get as many quotes as possible, and companies like Quoteserv make it very easy to get competitive car insurance quotes quickly online.

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Most young drivers have the option of obtaining car insurance through their

parents’ car insurance policies. This is a great option as car insurance rates

for most all drivers are based on age, years of driving experience, and driving

records.

Yet, many young and new drivers need to search for car insurance elsewhere, as

not all young and new drivers can obtain car insurance through their parents’

car insurance policies. This can prove to be difficult as young and new drivers

do not have age or driving experience on their sides, meaning their car

insurance rates are usually higher than older, more experienced drivers.

Still, it is possible to find cheap car insurance for young divers. Below are

four factors to consider when looking for cheap car insurance for young drivers.

1. Age requirements. Find a plan that specifically offers cheap car

insurance for young drivers. For example, some car insurance providers target

young female drivers age 17-years-old and older and young male drivers age

19-years-old and older.

2. Discounts. Many car insurance companies will offer certain discounts

for young and new drivers. When comparing car insurance providers, ask about

such discounts.

3. Immediate coverage. You do not want to purchase a car insurance policy

that is not going to be in effect right away. Make sure to ask the car insurance

agent if the plan will begin immediately, or if there is a waiting period.

4. Flexible payment options. Not all drivers are going to be completely

financially stable; especially new and young drivers. Try to find a car

insurance provider that will sympathize with your needs and offer you a “grace

period” when it comes to payments.

With all the concerns young and new drivers already have (buying a car,

practicing driving, learning the rules of the road, driving responsibly, car

maintenance, etc.) finding cheap car insurance for young drivers does not have

to be one of them.

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