Super Cheap Car Insurance for Young Drivers?

Reader’s Question:

Hi. I have a teenage daughter who drives, and since we added her to our policy, our car insurance rates are at an all time high! Now, she’s thinking of getting her own car and we’d like to help her find cheap car insurance for young drivers. Can you give us some tips, please?

Kandi

Columbus, OH

Yeah, car insurance for young drivers does tend to cost more than your average car insurance. This is because they are inexperienced drivers and, as such, are more prone to getting into accidents and making claims on car insurance companies.

However, there are a few tips I can share to save on car insurance for young drivers. First of all, it will really help if she maintains a responsible driving record. There are a lot of kids on the news nowadays that get DUIs and, let me tell you, their insurance rates are sure to skyrocket after just one stunt like that. Another tip you can try is to do some research and find out which cars are cheaper to insure. I know I’ll sound like a kill joy here but the flashier cars your kid might want to get will cost you more in car insurance than a cheaper and relatively safe vehicle will. It is also easier to find cheap car insurance for young drivers if the car they own has additional safety features such as side impact airbags and anti-lock brakes. Oh, and did you know that kids with good grades have a higher chance of scoring cheap car insurance, too? Make sure your kid knows this and ask him to keep his grades to at least a B average to get discounts on car insurance for young drivers.

Cheap Car Insurance Company

Reader’s Question:

My brother got a speeding ticket last month and when his car insurance called to talk about his premium he went ballistic for his insurers told him about the increase. He thinks that speeding in Texas is not a crime, is he right about this? If he is, then how can he make his car insurance for high risk lower?

Paige

Dallas, TX

Honestly, speeding is a crime, you may not have caused an accident yet but most likely you will, especially like Texas which is a big and crowded state too. Getting a speeding ticket usually makes people proud of themselves for being the fastest driver but when accident happens, you are called a monster if you have caused a lot of deaths. Another thing is, you are classified as a high risk driver therefore you have to get a car insurance for high risk drivers which is very different from your previous one for it is way more expensive.

If you cannot afford the car insurance for high risk premiums and you know that the reason of your high premiums is your driving record then what you should do is change your behavior on the road. If you get a speeding ticket then drive slower the next time you hit the road. If you have been convicted of DUI then make yourself sober whenever you are going to take the wheel. Doing these things does not make your premium easily go down, it takes time. And if you still cannot afford the car insurance for high risk then you can go to a more remote place, go to a quite neighborhood with few cars pass by the road every day. When you move out from the crowded city with lower risk, you will surely have a lower premium.