How can I lower my insurance premium when I am young with lots of speeding tickets?

How can I get a lower premium when I have a bad driving history? I am 20 years old and drive a '95 Firebird. I have had five speeding tickets in the last three years and now my insurance is way too high! I know speeding tickets aren't great and I’m trying to be a better driver, but I am having a hard time finding a policy that I can afford.

Answer
There are several ways to lower your premium, and keeping a safe driving record moving forward is a great start!
I can tell you are attached to your car. However, since you’re a youthful driver (defined as any driver under 25) a Firebird will be rated higher since it is a car that wants to be driven fast. If you are open to it, you may want to look at driving a different car for a while.
If not, though, you have other options! Get in touch with your current agent and make sure you are getting all the discounts you are eligible for, such as:
Also, make sure you are only carrying the coverages you need—unnecessary coverage can drive up your insurance premium, and making sure you only have the insurance you need is a good way to save money.
It is also a good idea for you to download the Jerry app to find the lowest rate possible. Jerry shops with over 50 insurance companies—including those that specialize in drivers with not-so-great driving records—and delivers customized quotes to your phone in seconds, so that all you need to do is choose the plan that works best for you.
Best of luck with reducing your rates! You’ve got this.
Shannon Martin
Answered on Oct 21, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
thumb-up

Did this answer help you?

Ask us a question by email and we will respond within a few days.
thumb-up

Have a different question?

You can meet us at our office and discuss the details of your question.
Let Jerry’s experts help you find savings on your car insurance!
No long forms or spam · Get quotes from 40+ carriers
Find insurance savings (100% Free)
rating primary
4.7/5 Rating on App Store

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free