You can drive when you turn sixteen, vote when you are eighteen and drink (legally) when you are twenty-one. However, until you turn twenty-five, the car insurance companies still pretty much treat you like you are a teenager. Are there any companies that provide reasonably priced car insurance for under 25 year olds?
If you can swallow your pride, it's best to stay on your parent's insurance policy if at all possible. Because they are more experienced drivers and you will be part of a multi-car policy, the insurance companies tend to look more favorably on such policies and charge lower rates than if you were insured on your own.
The next thing to do is to make sure that you and your driving record appear in the best light to the insurance company. For example, if at all possible, park your car in a garage or even a carport. Insurance industry statistics show that this will lower the risk of your car being stolen and they will lower your premium somewhat because of it. Next, try to minimize the amount of driving you do each year. The more time you spend behind the wheel, the more likely you are to have an accident. So it's better to live on campus and walk to work than to drive across town at rush hour if at all possible.
If your car has some kind of alarm, that's great; be sure to tell the insurance company you have it when you sign up for a policy. Many newer cars have some kind of passive alarm system built in so you may have one and not even be aware of it.
Finally, if you have not bought a car yet, listen up. It's best not to have what the insurance companies consider a sports car. This typically means getting a car which has a back seat and isn't loaded with horsepower.
If you follow some or all of the advice above, you should be in better shape when it comes time to price your insurance policy. Go online to one of the insurance comparison sites or speak with an insurance agent in your area and be sure to ask about what other discounts they may have available.
If you can swallow your pride, it's best to stay on your parent's insurance policy if at all possible. Because they are more experienced drivers and you will be part of a multi-car policy, the insurance companies tend to look more favorably on such policies and charge lower rates than if you were insured on your own.
The next thing to do is to make sure that you and your driving record appear in the best light to the insurance company. For example, if at all possible, park your car in a garage or even a carport. Insurance industry statistics show that this will lower the risk of your car being stolen and they will lower your premium somewhat because of it. Next, try to minimize the amount of driving you do each year. The more time you spend behind the wheel, the more likely you are to have an accident. So it's better to live on campus and walk to work than to drive across town at rush hour if at all possible.
If your car has some kind of alarm, that's great; be sure to tell the insurance company you have it when you sign up for a policy. Many newer cars have some kind of passive alarm system built in so you may have one and not even be aware of it.
Finally, if you have not bought a car yet, listen up. It's best not to have what the insurance companies consider a sports car. This typically means getting a car which has a back seat and isn't loaded with horsepower.
If you follow some or all of the advice above, you should be in better shape when it comes time to price your insurance policy. Go online to one of the insurance comparison sites or speak with an insurance agent in your area and be sure to ask about what other discounts they may have available.
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