Getting to drive a car of your own is a dream of pretty much everyone in this era. Some achieve it early on in life than others. As soon as you get the license and the motor, you just want to hit the road. Getting it insured and taking care of it is a great responsibility. For teenagers or young drivers, car insurance is comparatively more expensive in the USA. This is because young drivers are considered dangerous than experienced old ones. They tend to be more energetic and risky on the road and are distracted more easily.
It may seem difficult to find cheap car insurance for 19 years old, but it’s not impossible. If you are a youngster aged 18-24 and need cheap car insurance there are few things you should follow.
Get a Used Car:
This reduces the rate of car insurance by 5-10% if you are getting a used car and not an automated brand new one. Obviously, you need to check that the car works properly and get it examined by a mechanic too. New modified cars automatically have a higher insurance rate. So, you should wisely choose a car that would be easier for you to get insured. Also, if your car has safety features like air-bags and anti-theft devices, the insurance rate is likely to get even lower.
Get Good Grades:
You want to get in a good college, want scholarship or any benefits from your parents; good grades are there for your rescue. In this case as well. While getting car insurance, achieving and maintaining good grades can get you a discount on your insurance package. Many insurance companies provide a student package and it has proven to be helpful for many young drivers.
Clean Driving Record:
No matter how many good grades you get and all the safety features your car have, it’s no use until and unless you have a clean driving record. A clean driving record does not just mean accident-free record; it also means avoiding parking tickets and any violation of traffic rules. It all adds up in your record. Achieving a clean slate means more discount on your insurance policy. Moreover, it helps if you keep on taking various driving courses every once in a while.
Do Your Research:
There is no need to rush yourself into getting your car insured from the first company that you find. You should take your time and research the market to review as many as possible options and then choose wisely. Look for the best packages for your car that you can afford.
Car insurance is essential and there is no way out of it. However, young people can get discounts through the above-mentioned ways. It also helps if you add an older and more experienced driver in the driver’s list. Insurers believe that the probability of accidents will reduce if a less risky person is driving the car. You can try purchasing the insurance policies online as some companies offer more discounts when approached online.