Are you a young driver under 21 looking to get cheap car insurance? If so, then expect that it will be not be that easy simply because of your age. Young drivers under 21 often get expensive auto insurance premiums because they are generally perceived to be higher risk and more reckless drivers by many insurance providers.
So, even if you think that you are a low risk and a safe driver, you are still going to get huge rates on your car insurance because you are unfortunate enough to be under this category. However, this does not mean that you cannot get car insurance for cheap. All you need is to do is to consider the tips enumerated below:
Park And Drive Safely
By keeping your car in a garage at night, parking it only secure parking areas, and driving safely as much as possible, you will surely lower your car’s risks from being damaged accidentally and being stolen. These are pretty simple things to do but they will definitely reduce your car insurance cost by 3% to 7%. Also, if you have no speeding points in your driver’s license, tickets, and convictions, you will surely enjoy few percentage drop on your insurance rate. Best of all, you can maintain a clean driving record which will allow you better and cheaper rates in your future car insurance deals.
Some young drivers are show off’s and are more likely to drive fast using sports cars. If you are one of them, then do not expect to get cheap car insurance rates or you will only get disappointed. However, if you will avoid showing off by considering driving a humble family car then you will have a good chance of getting cheaper rates on your car insurance premiums.
Adding car safety features and extra security devices if your car is not new will also reduce your insurance costs so it is worth considering. What is spending a little for these features upfront if it will mean you savings for a long time?
Enroll In A Defensive Driving Course
This will not only reduce your rates but this will also lower your risk being a young driver and you will be considered as safer driver by many insurance providers.
Getting Cheap Short Term Car Insurance Coverage
This is another way you can get car insurance cheap because temporary policies are generally cheaper than long term policies. However, you can only take advantage of the benefits of a cheap temporary policy if you don’t drive your car often or if you are only driving a leased or a borrowed vehicle.