Reader’s Question:
I am 18 and I currently have a car insurance under my parents’ name. What should I do so that I can get cheap young driver car insurance rates on my own, or at least make my premiums more manageable? Thanks!
Von
Phoenix, AZ
This is a dilemma that most young drivers like you face. Usually, automobile companies see young drivers like you as irresponsible and thus, high risks. It also does not help that most young drivers do not have the chance to build a creditable driving history. Cheap young driver car insurance does not come easy, but it is possible.
One of the best ways to get a cheap young driver car insurance is for you to enroll in a defensive driving subject. This is a proven way for young drivers to earn discounts on their insurance premiums. This way, a young driver like you can be labeled as a defensive driver, and thus a low risk for most automobile companies. To get a better chance at discounts, enroll in a driving school that is affiliated or recognized by your automobile insurance company.
You should also put security features on your vehicle such as immobilizer and alarm systems. This way, automobile insurance companies can treat you as a low risk.