If you are either young or are responsible for footing the car insurance for someone who is, you will know just how expensive possibly be. There is valid reason that cheap car insurance under 21 is difficult to find for young people; statistics shows that they plain can't drive as well as older folks. All this doesn't necessarily mean that young drivers are bad drivers.
It does mean that when car insurance companiesmake their risk calculations for different groups of people, young drivers finish just ahead of blind and limbless ones in safety however.
The fact that young drivers belongs to a higher risk group cannot be denied and there is no way to sway the minds of auto insurance providers when it comes to the cost. Having mentioned that, there are some ways to help you lower your cost when you are trying to seek car insurance under 21.
Following are some ways that you can keep some of your hard earned cash in your pocket when the insurance bill arrives.
An easy way for you to avail more inexpensive car insurance under 21 is to project the image of a responsible teenage driver. In the insurance company's eyes one of the best ways to do that is by getting good grades.
That's why almost every auto insurer has a good student rebate. If your GPA is above a 3.0 or 3.2, depending on the provider, you'll normally qualify for a break on your premiums.
Keeping yourself from any bad records including accidents is another money-saving method.Past behavior is a provenyardstick of future behavior, and insurance companies have picked up on this. That's why they offer cheaper insurance to those folks with excellent driving records.
Drivers under 21 simply cannot resist driving fast and dangerously. Unluckily, a little bit is sometimes all it takes to get a ticket or worse, crash your car. Stay out of the police blotter, and you'll help keep your insurance rates out of the stratosphere.
Although you may want to drive a new Dodge SRT-8, even if you could afford the payments, you probably couldn't stretch for the insurance.In some locales, you would pay 2 to 3 times the rate of your monthly payment to insure high performance vehicles, especially newer ones.. That's an excellent reason to choose a more insurance friendly ride when you're shopping for cars.
You may not like a 5 year old minivan, but your insurance agent will give you a break for one. Talk to your agent before you buy a car ( or any other vehicle, for that matter ). They will be able to steer you toward a more affordable car from an insurance point of view.
Now that we mentioned of agents, if you are below the age of 25, you should talk to different insurance car companies to compare the premiums. All providers price risk differently, so your age may count against you more with some companies than with others. The Internet can help you compare the insurance rates of different providers.
All you do is fill out a simple, online form, and they take it from there.Often than not, you will have several premiums to select from and this can turn out to be considerably lower than the premium you are currently paying.This is especially true if your current agent represents only a single insurance company.. Most of the online services work with multiple providers, so you'll have a much better chance of getting a low rate on your car cover, weather you are young or not.
By: Max Fillini