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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.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
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.
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- Gregory R.
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