Naturally, youngsters want to buy a car as soon as they pass their driving licence test. And many of them can afford to purchase a good second hand car (with or without help from parents). However, automobile insurance premiums for teenagers can be prohibitive to a point that they cannot afford both the car and its expensive insurance. This is even worse when they are living in cities where rates are much higher. That is why they should be looking for ways of getting the cheapest car insurance for teenage drivers.
Many teen drivers are asking if there is a way to get cheaper car insurance rates. Luckily there are a few ways of bringing the costs down even for new and young drivers. They may not have driving or credit history to save them money but they have other things going for them. Here are some of the ways that help them find the cheapest auto insurance for teenage drivers and save money;
Cheap Auto Insurance for Teenage Drivers with Good Student Discounts
One of them is being a good student which is seen another way of showing responsible behavior according to a few vehicle insurers. Youngsters are not given automobile insurance discounts easily. They need to prove themselves at school to get student discounts. They need to be at the upper 20% in their class to save around 10%. It is the same for adults as well that they need to prove they are good drivers before they get savings. There is more explanation on Student Auto Insurance Discounts.
Cheap Car Insurance for Teenage Drivers with Pay As You Drive
Another good thing going for teenage drivers is that many of them don’t have much time to be spending on driving around. Large numbers of them are still at school and a few of them are away at colleges and left the car behind with parents. This would mean that they cannot drive many miles in a year anyway. Secondly, they can control the hours they can drive as they are not chasing careers or have a family to look after.
When you don’t drive many miles and in unsociable hours you may be better off with a pay as you drive insurance policy. These policies comes with a small transmitter that is connected to automobiles and deliver information to insurance company about driving patterns of the insured. Since the insurance company can see how the teenager is driving they are more comfortable to offer lower rates depending on driving habits.
If they decide not to go down the route of pay as you drive insurance they’d better tell the companies or brokers when they are getting quotes that they won’t be driving much. Lower mileage means lower premiums.
Buying a Safe Automobile for the Cheapest Auto Insurance for Teenage Drivers
They should make sure that they don’t put salt on the already expensive premiums for young drivers by purchasing an expensive to insure vehicle. It is best that they choose a modest and safe car for teenagers in order to get all the discounts they can get.
Shopping Online for the Cheapest Car Insurance for Teenage Drivers
Teens are good with the Internet. It is another good thing going for them that will help in finding cheaper young drivers auto insurance. They should relentlessly shop around until they find that one great company to offer them the best rates. Make no mistake as people are saving as much as fifty percent everyday by getting a few automobile insurance quotes online.
Otherwise, you may want to get on your parents’ policy for the time being and benefit from their good and long driving history. Many people start their driving life with their parents’ automobiles. This could work quite cheap, especially if youngsters are not home very often.