How To Get Affordable Insurance as a Young Driver

Getting your license and buying your own car are incredible milestones that you never want to forget. Unfortunately, the rush of freedom that these events bring comes with the responsibility of car insurance. Young drivers have it particularly hard because most insurance providers charge more to cover drivers with less experience. No young driver wants to sort through dozens of policies and providers, but finding the perfect insurance coverage is crucial to a successful life behind the wheel. Learn how to get affordable insurance as a young driver with these expert tips.

Find Discounts That Cater to You

No matter who you are, what you drive, or where you live, you’re sure to find at least one discount you can apply to your insurance premium. For example, many insurance providers support responsible students by offering good student discounts. If you don’t drive often—for example, if you’re a college student who spends most days walking to and from classes—you can look for a more affordable policy, such as low-mileage or pay-per-mile coverage. Always ask your provider for discounts and other offers that can save you money on your policy.

Take Your Time Shopping Around

The rules, details, and terminology of auto insurance can prove tricky to learn. That’s why you should take your time when learning about your options—especially if you’re purchasing your first insurance policy. Slow down and compare quotes between providers before making your decision. The more you know about different coverages and requirements, the easier it will be to find the best plan. Don’t hesitate to ask for help as you weigh your options. Your parents or another experienced driver that you trust can be a great resource for tips and advice.

Build Good Habits Early

Insurance providers tend to charge more for younger, less experienced drivers. Unfortunately, even with all these tips for how to get affordable insurance as a young driver, you can’t change that fact. However, your behavior behind the wheel as a young driver will influence the rest of your driving career. Drivers who are safe and responsible from the start will save more money in the future. Following the rules and being respectful on the road will lead to a clean driving record, which means insurance companies will trust you enough to offer a lower premium. Good habits today mean better savings as you grow older and gain more experience in the driver’s seat.

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Written by Logan Voss

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