How do you get cheap car insurance at 22?

How can I get cheap insurance when I'm 22? I finally moved out of my parents' house and I need insurance. I haven't been able to find anything affordable. What can I do?

Answer
Gaining your independence is awesome, but the price of car insurance as a young driver is downright shocking! That said, a 22-year-old can still find cheaper insurance with a few tips.
To start, shop around. While shopping is time-consuming, it’s one of the best ways to save in the long run. Every company offers a variety of rates and discounts, so even if you’ve found two high rates, another provider may offer coverage on the cheap.
Also, consider discounts. Car insurance companies offer several discounts targeted towards young drivers. They include:
  • Good student discounts
  • Driver training discounts
  • Good driving behavior or telematics discounts
  • Low mileage discounts
Additionally, consider the type of coverage you need. If you’re having trouble finding affordable coverage, you may want to drop optional coverage until you find lower rates. Optional coverages like towing and labor and rental car coverage are helpful, but not legally necessary.
Finally, maintain a clean driving record. By maintaining a clean record, your rate will decrease over time as you prove to insurance companies you’re a safe driver.
If you feel as if you’ve exhausted your options, try Jerry. The Jerry app is a car insurance comparison tool that finds the best rates from up to 50 top insurance providers for free. The average Jerry customer saves $879 and it only takes 45 seconds to sign up!
Emily Maracle
Answered on Oct 25, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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