Save on car insurance for young drivers

Savings on teenage car insurance

Best auto insurance for teenage drivers? Student Car Insurance Costs!

Car insurance can be very expensive for teen drivers, a parent adding a teen to their policy can expect their new rate to be more then 3X (3 times) higher than insuring an adult driver alone, and a teen buying their own policy can be even more expensive.

Student drivers are viewed by auto insurers as the riskiest and costliest group of drivers to insure and pay many times more than the same coverage on their parent’s policies.

Sports Car

How to save on car insurance for young drivers

Discounts, Options, Special Circumstances for the best student car insurance!

Adding Teen to your Insurance

Best Option is always to add a teen to your auto insurance policy

Once together on the same policy, all driving records, including young driver affect premiums, for better or worse.

You share in the discounts, and you shall also share in the risk.

When shopping for a new car always consider the cost to insure it.

Student Driver’s buying their own policy

Lot of Insurance Companies will sell directly to teens, but state laws vary when it comes to a teen’s ability to sign for car insurance …. meaning a parent may have to co-sign and it’s rarely cheaper. In fact, your young driver will likely have a higher premium compared to adding him or her to a parent or guardian policy.

All young driver’s car insurance is expensive. The younger the driver, the more expensive the car insurance. Student drivers are far more likely to get into car accidents than adult drivers. The risk is highest with 16-year-olds, who have a crash rate twice as high as 18- and 19-year-olds.

Discounts for young drivers

Find the best discounts for teen drivers to get affordable car insurance.

Good Student Discount

One of the most popular discount is tied to doing well in school. This usually translates as a “B” average (3.0 GPA) or higher. Age limits do exist; typically, the student must be under the age of 25.

Student “Away” Discount.

Most car insurance companies offer a student “Away” discount for college students in living in dorm or living away from home during high school. You could receive a discount up to 10% of the student’s premium, but some insurers advertise up the 30% off (misleading).

Raise your deductible.

A common way to lower car insurance premiums is to raise your deductible from $500 to $1,00, but weigh against the fact that student drivers are more likely to get into accidents. When you get into an at-fault accident, you have to pay the deductible amount. You can also drop comprehensive and collision coverage if the car is not finance.

Avoid Expensive & Sports Cars

Car insurance rates vary widely by type of car. A car with a high safety rating will be cheaper to insure.

Most Expensive cars to insure
Mercedes S65/63 AMG, Maybach S650
Porsche Panamera S
BMW M6 Gran Coupe, Alpina B7 XDrive, I8
Audi R8 5.2L V10 Quattro
Nissan GT-R Nismo
Dodge Challenger SRT Demon
Jaguar F-Type SVR

Car Insurance Rates by States Starting with the Most Expensive

Rural, less populated states came out on top when it comes to inexpensive car insurance.

States that are prone to major weather related disruptions will often pay higher rates for insurance. Insurers have to pay out every time a tornado or hurricane rolls through and they adjust their insurance rates accordingly.

Michigan
Louisiana
Florida
Rhode Island
Connecticut
Washington DC
California
Georgia
Delaware
Texas
Colorado
Wyoming
Oklahoma
Kentucky
Arkansas
Nevada
Montana
Maryland
Mississippi
West Virginia
New Jersey
New York
Arizona
New Mexico
Kansas
South Carolina
Washington
Missouri
Oregon
Alabama
Hawaii
Illinois
Minnesota
Nebraska
South Dakota
Tennessee
Alaska
Maine
Massachusetts
Utah
Pennsylvania
North Carolina
Indiana
North Dakota
Wisconsin
New Hampshire
Iowa
Virginia
Idaho
Ohio
Vermont

cheapest car insurance for 18 year old ??

 

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