How to Save Big on Car Insurance for Under 25 Drivers

Getting car insurance for under 25 drivers doesn’t have to break the bank. It’s true that drivers under the age of 25 pay more for insurance; however, there are a few things you can do to save money,

Unfortunately car insurance for under 25 drivers is usually more expensive due to the added risk for the car insurance companies. Statistics show that drivers under the age of 25 are much more likely to get into a car accident than older, more responsible drivers. Out of this group of drivers, males are much more likely to get in an accident than females.

Insurance companies base their rates on the likelihood they will have to pay out a claim. They can protect their own interests by charging ridiculously high rates for drivers under the age of 25. Fortunately, there are a few ways you can reduce premiums on car insurance for under 25 drivers.

Ways to Reduce Premiums for Under 25 Drivers

  • Safe Driving Courses - Most car insurance companies offer discounts for drivers who have undertaken safe driving courses. These are generally courses designed to teach new drivers defensive driving techniques. You can contact your car insurance company to find out which courses in your area will qualify you for this discount.
  • Get Good Grades - A lot of companies providing car insurance will offer a discount for students who maintain a B average or better. They figure that if you can be responsible in school then you’re more likely to be a responsible driver as well. This discount may also apply for college students although requirements vary from company to company.
  • Drive a Safe Car - Your car insurance premiums will also reflect what kind of car you drive. The safer the car you drive, the less you will ultimately pay in premiums. Cars with air bags, anti-lock brakes and other safety features may not be as fun to drive as a fast convertible, but they will save you money on your car insurance.
  • Stay on Mom & Dad’s Policy - If your vehicle is registered in one of your parents name and you are added to their policy you will likely save a lot of money compared to getting your own policy. Adding a driver to an existing policy is much less expensive than starting a new policy, especially for a young driver.