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How do I lower my car insurance price as a 19-year-old truck driver?

I'm paying over $5,000 a year for my own insurance policy on a Ford Ranger. Any tips to help me lower my rate will be appreciated.

avatar
Carol Chung · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
The first and most obvious tip: shop around. Get quotes from at least three to five carriers and compare the plans carefully. Rates can vary significantly between insurers, and this is even more true for young drivers like yourself.
Second tip: ask if you qualify for any
car insurance
 discounts. Some common ones include:
  • Good student discount
  • Discount for taking a defensive driving course
  • Accident-free discount
  • Auto-pay billing discount
Third tip: consider raising your deductible. The higher your deductible, the lower your rate.
Fourth tip: ask your insurance company if you can install a telematics device in your truck that will allow them to provide a customized, possibly lower rate based on your driving habits.
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