Getting auto insurance quotes is sometimes like a lottery - you're never ready for the resulting amount as it can be either high or low. Unfortunately for certain groups of people the outcome of such a lottery is quite predictable and they don't have the choice but to purchase the policy at the indicated price. The price in such a case is typically much higher than for other groups of drivers. We're talking about teens and their tendency to get the highest auto insurance quotes possible on the market. And if you happen to be a driver who's younger than 25 or a parent of a teen driver, you know exactly how it feels to get the highest rates around. Still, there are ways to neglect the impact of your age and get reasonably priced auto insurance for your money. Here are some things to consider, which will certainly help you:
Consider a cheaper car
While young, we all want to get the coolest thing in order to impress our peers and cars are certainly one of those things. However, it may be wise to resist the temptation of getting the hottest ride since it will cost a lot to insure it for a teen. Instead, buy a less expensive or used car in order to accumulate the necessary experience which will grant you more affordable auto insurance quotes. And it won't be that painful to scratch and bump an old car, which is inevitable when you learn how to drive.
Be a good student
Being a good student has many benefits to it, and as it turns out there are also certain incentives you can get with your insurance. If your semester average is equal to B or you're doing even better, most insurers will cut your premiums as a reward. You'll have to provide a copy of the grade report to get it and if your average drops during the next term you won't have it any longer. But it's certainly worth the effort.
Stay with your parents' policy
Although, most teens and young adults are reluctant to share responsibilities with their parents, it may still be more beneficial to stay with your parents' insurance policy to get better rates. As long as you're living in the same house with them, you have the possibility to be included to their policy as a written driver. And that will cost them less in comparison to getting a separated policy for you personally.
Shop around
As trivial as it sounds, many people still tend to overlook the importance of comparison shopping. When comparing auto insurance quotes from different provider you can stumble upon some really good policies. So why overpaying, when you actually get the same coverage cheaper?
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