According to studies there are certain types of people who are generally more reckless or careless drivers. When determining rates all drivers are put into two categories, one based on their age and the other on their marital status. A chart is consulted and this determines the rate. The younger the driver, especially single drivers, the higher the chance of them either having an accident or getting a ticket. This all sounds wonderfully protective but if you are a 17 year old unemployed and unmarried, high school student paying higher insurance rates than a 40 year old soccer mom seems a bit unfair.
The thing is however that you can find less expensive young driver car insurance if you follow a few steps. There are things that you can do that can actually lower the amount you will pay for young driver car insurance. Take a look at the following suggestions:
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First of all take both a driving course and a defensive driving course. This alone can lower your rates by nearly 15%
- Next you will need to forget about buying that red Porsche. Rates for all drivers are partly based on the make and model of car. Find a nice family sedan or small compact car as your first car.
- Do not alter the car with racing parts and stay away from red cars as they attract negative attention.
- Instead of buying basic coverage, buy the largest package you can afford. This is considered a responsible action by insurance companies and they will lower your rate because of it.
The trick is to make yourself appear more responsible to the insurance company. You will start out with a negative because of your age is considered to be basically irresponsible. It is your job to show the insurance company that this assessment is wrong in your case.