How do you get cheap car insurance as a young driver?

I’m over 18 and am on my own financially now that I’m in college. I need a car to get around where I live. How do I get cheap car insurance? Everything I’ve looked at is expensive.

Being a young driver and finding cheap car insurance usually don’t mix. That said, there are ways to find lower rates.
First, you can look into a variety of discounts. If you have good grades, sometimes you can get a good student discount. Another option is taking a defensive driving class. Check to see if your policy offers discounts for defensive driving and if they have any recommended courses near you.
You can also get some anti-theft devices which protect your car and reduce your premiums. These can include:
  • GPS tracking
  • Tracking subscription
  • Vehicle recovery device
Another easy option is to comparison shop. You can request quotes from various companies or use Jerry. The Jerry app can provide you with competitive quotes in under a minute. Swapping is just as effortless. Jerry takes care of all the paperwork and phone calls and even helps cancel your old policy!
If you’re still having difficulty finding an affordable policy, keep shopping around every few months. Insurance rates change often. As long as you maintain a clean record, you should see your rates decrease as you get older.
Lauren Smith
Answered on Nov 02, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.

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