9 Steps To Low Cost Auto Insurance For Under-25's

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Any driver under 25 years of age is clearly not the highest risk in vehicle insurance. As a rule, drivers under 25 years of age are considered a high risk to every insurer. A teenager will pay higher rates than a twenty-four year old. The risk an insurer bears even is raised much higher if the younger driver in question is a guy. The reason insurance companies charge so much isn't because they hate under-25's. I'll show tips that will bring down your quotes dramatically.

Step 1 - YOUR DEDUCTIBLE...

Opt for higher deductibles. Stepping up your deductible brings down your auto insurance rate. However, ensure you don't ask for deductibles that are higher than you can handle.

Step 2 - DEFENSIVE DRIVING...

If you have not, try to take a course in it. Defensive driving training programs that are known or recognized by your insurer will certainly reduce your auto insurance premium.

Step 3 - SAFETY AND SECURITY FEATURES...

Get a car that has the following: An alarm system, anti-lock brakes, daytime running lights and any other safety or security gadget. Let your insurer be made aware if you have such in your car. Cars like that are rated highly safety-wise. Those cars will earn you reduced rates.

Step 4 - BUY SMALLER INEXPENSIVE CARS...

Buy a smaller car. Leave sports cars and other vehicles that fall into the "expensive to insure" category. You can use a comparable car that is inexpensive to insure. An expensive car will generally be more expensive to insure.

Step 5 - GOOD GRADES...

Insurers reward you with more affordable rates if you make good grades -- A's and B's.

Step 6 - STAY ON YOUR PARENTS' POLICY...

You can be humble enough to be on your parents' vehicle insurance policy. Nevertheless, for this to work you'll have to live with them and get your car registered in their name.

Step 7 - MILEAGE...

Bring down your mileage as much as you can. Mileage is an important point in deciding your risk to an insurance company. The more you drive the higher your risk to an insurance company.

Step 8 - YOUR CREDIT RATING...

Your credit history shows a lot about a person. If yours is a really terrible credit history, an insurance company will definitely view you as a high risk.

Step 9 - Get Quotes...

You could save some hundreds or even a few thousand dollars by just getting and comparing quotes from about three quotes sites. You will make savings if you go to just one of such sites. But keep this in mind; you'll get better results by visiting at least three. The straightforward logic in this is that you'll obtain a greater number of quotes from a wider range of insurance companies. This raises your chances of receiving better rates.

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