How to Get Cheap Car Insurance as a Young Driver

When you are a younger driver or car owner, car insurance prices will probably scare you when you first start looking around. However, it is possible to get cheap (or inexpensive) car insurance, given that you put into place a some of these tips will discuss in this guide. Unfortunately, the younger you are, the more you have to pay in car insurance. If you're under 25, you're going to pay a lot for insurance no matter what - but the further away you are from that magical 25 number, the more you can expect to pay for auto insurance. A teenager will have to pay a lot more than someone who is 21 for car insurance. Let's take a look at few suggestions for keeping your premiums as low as possible.

1) Lower your premiums by purchasing a car that is loaded with safety features: ABS, a good alarm system, always-on daytime running lights and of course a car with a high crash-test rating (remember, insurance companies often have to pay medical bills as well as car repair bills). Tell your insurance co. if you have any of these measures in place. You'll be rewarded with a lower rate.

2) Getting good grades in school often qualifies you for programs at insurance agencies that give you lower rates.

3) Drive as little as possible, and see if you qualify for a "low mileage" or "occasional use" plan. The less you drive, the less chance you have of getting into an accident, so you'll pay less for insurance.

4) You can also just stay on mom and dad's plan. You have to legally register your car under their name, and they pay the premium (or you pay them your share), so you'll feel a little less free - but you'll save a ton of money.

5) Often, insurance companies will check your credit and base your rates off of that. They figure if you are careless with your credit, you might be careless with driving - and vice versa.

7) Shop around for the best prices. Often, rates will vary greatly from one insurance company to the next.

While you may end up paying more than everyone else as a young driver, you don't have to pay through the roof. Use these tips to keep auto insurance as affordable as possible!