Lowering Your Under 21 Insurance

September 19th, 2011
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Teen's New Car

Being a driver under 21 can have its disadvantages, such as being generalized as a high-risk driver to car insurance agents. Under 21-car insurance is generally high across the board, but there are strides you can take to reduce your rates regardless of age.

Statistically drivers under 21 are considered more reckless, higher-risk, a bigger liability and are more likely to get into more accidents. Here are some other statistics of young drivers:

  • 1 in 5 drivers are involved in a crash during their first year on the road.
  • Male drivers under 21 are 10 times more likely to have a car accident than male drivers 35 or over.
  • Young drivers have a higher proportion of crashes at night than older drivers.
  • In 2007, 40% of passengers killed or seriously injured were in a car driven by a young driver

There are plenty of different ways to get a lower insurance premium but the most effective way would be to research and compare auto insurances quotes online first, this will ensure you receive the most affordable car insurance quote for under 21 drivers.

Below are some tips to help under 21-year-old drivers lower their auto insurance:

  • Driving Record

Avoiding car accidents and traffic fines can help your efforts in proving to the insurance company that you are not a risk.

  • Traffic School

Participating in traffic school is another way to prove to your insurance company that you are committed to being as safe of a driver as possible and are willing to develop your driving skills as well as learn the traffic laws.

  • Good Grades

Getting good grades does not just help you get into a better college but can also help you lower your car insurance, most insurance companies offer a discount for good grades, just send in a copy of your transcript.

As with everything to do with age, you become more experienced as the years go by, being an under 21 year-old driver can have its disadvantages like high insurance premiums but as long as your perfect your skills you will start to see the savings.

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