A Couple Of Basic Tips On Getting Cheap Teen Auto Insurance

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Auto insurance is an expense that isn’t necessarily at the forefront of your mind each month, but is certainly one that can add up over the course of many years and cost you a lot of money. This is particularly the case with drivers who are considered to be risky. For example, if you are between 16 years of age and 25 years of age, and in particular if you are a male driver, you will fall into a very risky category in terms of accident frequency.

This simply means that as a young man you will need to pay a lot more for the privilege of driving, and insurers will always charge you much higher premiums. This is simply down to the fact that the insurance company will know, statistically, that you are much more likely to have an accident than most of their other policyholders.

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Thankfully, there are ways of getting around this. While a teenage driver is generally going to have to suffer higher rates and premiums than most members of society, there will still be some things that a young driver can do in order to reduce their costs relative to the rates covered by their contemporaries. Here are a few options that you may want to consider.

To start with, limit the value of the car that you purchase. The premiums that you have to pay will be directly related to the value of the car that you drive. The more expensive the car, the more expensive the repairs, and therefore more expensive your premiums. To lower costs, therefore, choose a less expensive vehicle.

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You should also make sure that you purchase a vehicle that encourages safe driving, rather than quick and reckless driving. While you may have an ambition to purchase a quick sports car, this is not something that is going to help you to save money. If you purchase a vehicle that encourages you to drive in a safe way, this will reduce your risk in the eyes of the insurer.

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See if you can get the vehicle insured in your parent’s policy, rather than purchasing your own standalone policy. Generally speaking most parents will have far more competitive policies than you could possibly hope to get. Simply adding yourself as a named driver onto their policy is going to be much cheaper than getting your own.

If you do need to get a policy for yourself then you should always make sure that you spend time shopping around. In particular you should be focusing on specialist providers who would offer cheaper rates for younger drivers in your position. Usually these sorts of policies will be a lot cheaper than you would get from a regular insurer, but they will carry certain stipulations. For example, you may have to stick to a specific curfew, we may have to avoid certain roads.

You should also find a policy that has a high deductible. This means that you might have to cover a larger payment if you are involved in a collision before your insurer will step in. A large deductible, however, leads to reduced premiums.

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