“Being a young or inexperienced driver can make buying car insurance
a frustrating task. You have limited driving experience, so insurance companies consider you high risk. A younger driver is likely to submit more claims than someone more experienced, so insurance companies charge more. However, you can do a few things to reduce your rates.
If you haven’t already, request quotes from several companies. By providing companies with your information and your VIN (vehicle identification number), you get a better idea of how much your insurance will cost.
To lower your rates, see what discounts you may qualify for. Many insurance providers offer discounts to young drivers for taking driver training or defensive driving courses.
State Farm
also has a program called Steer Clear that gives drivers under 25 the opportunity to lower their rates through completion of the course.Beyond discounts, consider the type of coverage you need and the vehicle you drive. A used or older car will cost less to insure than a newer car. Carrying liability coverage
will also cost less than full coverage, but you lose the additional coverage collision and comprehensive provide. If you want to save money on car insurance, the Jerry
app is a good place to start. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. You may find that your rate decreases every policy renewal as you gain more experience. You can also continue to shop around every six to 12 months to be sure you’re getting the best rate.”