It’s almost impossible to get cheap car insurance for young drivers here in Texas. I was already warned by my Dad about that but I still hope that I can get the best possible price, how can I do that?

Kim

Dallas, TX

To get the best possible price, if not cheap car insurance for young drivers, it takes a lot of research. You have to shop around thoroughly among car insurance companies. Keep in mind that a car insurance company that specializes in providing coverage for experienced and married drivers might not be the best option for a young driver. You may try to get free car insurance quotes from the current car insurance company of your father but you also have to get various quotes from other carriers.

As a young driver, you are troubled by being considered high risk by car insurance companies and you don’t own any kind of history for yourself. But a lot of car insurance companies would credit other kinds of positive things against not having a driving history. If you are doing well in school and have an average of B or higher, make certain that you ask for a good student discount. Some certified driving school would also make you eligible for a safe driver discount if you finish a defensive driving course from them. Installing anti-theft and other security devices on your vehicle would help in giving you cheap car insurance for young drivers.

Lastly, it’s very important that you keep a clean driving record, above anything else. Be careful whenever you drive and be patient at all times to avoid accidents and traffic violations. One occurrence of recklessness could remove all of the insurer’s benevolence, especially since you have no history to balance the occurrence with.

Our son is going to be in college pretty soon and we plan to buy him his own car. I am afraid that there is no cheap car insurance for young drivers here in Iowa. We don’t want to pay too much, so what do we have to do to be able to get cheap car insurance for our son?

Ryan

Davenport, IA

It is still possible for your son to get cheap car insurance for young drivers in Iowa. The first thing that he can do about that is to keep good grades in school. A lot of car insurance companies provide some sort of discounts to students who have an average of B or higher in school. Cheap car insurance for young drivers can also be attainable if buy the right car for your son. Be reminded that sports cars and SUV’s won’t give your son cheap car insurance for young drivers. Those types of vehicles are the most expensive to insure because they are more likely to be involved in an accident and the cost to repair them is expensive.

Another advice that I could give your son to have cheap car insurance for young drivers is for him not to use his car every day. A number of car insurance companies would offer him low mileage discount if he drives below a specific number of miles every year. He could use public transportation from time to time to make sure that he won’t be over the limit for a low mileage discount. Also, to make sure he gets cheap car insurance for young drivers, he should install an alarm system, anti-lock brakes, airbags and other security devices in his car.