Reader’s Question:
My mother told me that I have to pay for my own car insurance. Ok, Im only 18. So what do I need to do to keep it low?
Rocky
Columbus, GA
You may want to graduate and grow old real soon when you realize that your teenager car insurance rate is soaring high because you are a youngster and you are a student, too. It’s not a crime being you. It’s just that students engage in accidents a lot more than anyone else. Among 1,000 insured drivers, the average number to meet an accident is 89. Student figure is higher by 63, which is at 152 per 1000 drivers. This is because students lack or have little experience and they often times overrate their ability. They also often disregard the restrictions of their driving environment and of their car. Lamentably, car crashes are the primary cause for teenage death in the United States. 16 year olds are three times more likely to die compared to other drivers. For these reasons, teenager drivers are charged with very costly car insurence rates. The rates will be heftier if you are a guy. But you can’t back out now because you really need car insurence. What you can do is seek ways to save. Check this out:
1. Do Your Homework
Aside from making your parents proud, obtaining outstanding grades can cut off your car insurance rate.
2. Do More Homework and More Projects
You are already doing well in school, how about enrolling in non-academic courses? Does advanced driving sound interesting? It should, if you are interested in being a better motorists and in saving additional dollars. Insurers will offer you discounts if you take up defensive and other advanced driving training.
3. Shop Around Just Like Everybody Else
Remember when your parents dug tons of directories just to find the best insurance company? You should do that, too. They might have stopped shopping around now and they might be passing up some great insurance updates. Keep digging. This will ensure you of cheap teenager car insurance.
4. Bring the Whole Football Team
Car insurence companies grant group discounts so make sure the reserves tag along, too.
