How to get cheap insurance for teenagers

How to get cheap insurance for teenagers

It's a fact that young drivers tend to have a hard time getting cheap insurance premiums. One of the most important barriers for young drivers is that they normally don't have the amount of time behind the wheel to prove to insurance companies that they are quality, safe drivers. Insurance companies view young drivers as possibly high risk and as a result, may well purposely ward them off with higher premiums, or present better premiums to young drivers with much better grades or a more stable income.

Finding cheap insurance for young drivers can feel like an extremely hard work, but there’s plenty available to do to help keep costs down. From selecting the correct car to enhancing your excess, our tips go back to essentials so you can check out numerous insurers, not simply those that give telematics or pay-as-you drive insurance.

If you have a low annual mileage you should be capable of lower your premium relative to a person who drives continual annually. The logic is simple: the more miles you go, the more likely you can be to have an accident. But ensure the figures you give to the insurance company on your proposal form are accurate because you may invalidate your policy if you breach the agreed annual mileage limit.

You could lower your rate and have cheaper car insurance by having a few small changes. A higher auto insurance deductible on the vehicle may lower the rate, however you will need to pay even more out-of-pocket expenses after an accident. If the vehicle is older or contains high mileage, think about removing collision and comprehensive coverage, which protects damage to your car. However, if you do this and have an at-fault accident, you must pay for your car's damages.