How do you make car insurance cheaper for young drivers?

How can I save on insurance as a teenager? I’m 17 and I just got a new car but my premium is crazy! I’m responsible and a good driver so I don't understand why it's so expensive.

Answer
“Car insurance for young drivers is always a little pricey. You’re untested on the road, so car insurance companies have no way of knowing if you present a high or low risk. Fortunately, through discounts and other measures, you may be able to lower your car insurance premiums.
These tricks can help you make sure your policy is as cheap as possible:
  • Defensive driver discounts. Many providers offer discounts to drivers who take professional driving courses on highway safety and defensive driving. Don’t forget to check your provider’s policy on defensive driver discounts before enrolling.
  • Good student discount. Providers view students with solid grade point averages (GPAs) as more responsible, so maintaining a GPA above 3.0 could translate into a nice discount on your premium.
  • Get on the family policy. On average, a 17-year-old who gets their own policy will pay about $60 more per month than if you are added to your family’s plan.
  • Keep a clean driving record. While this won’t help you find a cheaper premium, it can save you from paying more. Citations for things like DUIs and racing have been known to raise insurance premiums by 40%.
Young drivers can be expensive to insure, but you won’t stay young forever! Make sure you are driving responsibly and, over time, your premium will drop.
In the meantime, you can try to find cheaper policies with Jerry. The Jerry app helps gather competitive quotes from top name-brand insurance companies and delivers low-cost rates directly to your phone for free.”
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Joshua Levy
Answered on Sep 20, 2021
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