Even if you’re a young driver the age of 21, car insurance is still a mandatory expense. Unfortunately, because you are considered high-risk by car insurance providers, it can get pretty pricey. Under 21 car insurance is generally very expensive – no matter where you live. However, there are steps that you can take in order to lower your risk and, consequently, your rates.
- Be a good driver – Young drivers are expected to have no prior driving records; hence the more costly coverage. Create a good driving reputation as early as you can. Follow traffic rules by heart. Never neglect to wear seatbelts.
- Be a good student – Some insurance providers offer great discounts for student drivers who can maintain a “B” grade average. Be sure to bring a copy of your transcript to show insurance providers proof of your performance at school.
- Get certified for a defensive driver course – Since you have no prior records, this is one way to show insurance providers that you are a responsible and safe driver. In addition to this, consider getting a PassPlus certificate to get cheap 21 auto insurance.
- Get a low risk car – Do research on cars and trends in insurance rates in your area. Insurance providers rely more on statistics than they do on studies. Avoid cars that commonly get stolen or get into accidents in your area. If you can, get a small car with a modest engine instead of a brand new high-end one.
- Lower your mileage – Put a budget on your monthly mileage. The less often you drive your car, the less likely you’ll get into a road accident.
- Go to college – A higher level of education often leads to cheaper insurance rates. Many car insurance providers offer great discounts to young drivers who are in college. You can even get bigger discounts for car insurance over 21 if you maintain good grades.
- Get a job – Though this is a good idea, not all jobs are given discounts by insurance providers. Some jobs are actually given more expensive insurance (i.e. pizza delivery). You might be better off getting a job as an office assistant or store cashier.
Here’s an extra tip. If you ever do get a ticket, accept the driving course that your police department will offer you. Take advantage of this opportunity to “redeem” yourself for minor road offenses. Why? Because by doing so, your ticket will not show up on your insurance record, hence keeping the cost of your car insurance under 21 down.
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