Get Affordable Car Insurance For People Under 25 | Learn Auto ...

by Kevin Seals

Searching for affordable car insurance can be quite daunting, particularly if you are 25 or under. Moreover, if you’re a single male, “affordable” may be completely out of the equation. But, there are some things you can do, even if you are a single male under the age of 25, which may get you lower insurance rates. If you fall into any of the above and are looking for tips to get the lowest insurance rates possible, keep reading.

Full-time student. Full-time students will more likely get a break on car insurance premiums because they’re viewed as part-time drivers. The insurance companies view full-time students as more likely to concentrate on studies and less on driving. Here’s a bonus: if you’re a full-time student, making good grades and passing exams, you may be entitled to even bigger discounts.

Piggyback onto your parents’ insurance policy. Tell dad that most insurance companies give multiple vehicle discounts, which could mean lower insurance rates for you. Combined with being a full-time student and making good grades, you may be surprised at the discounts offered by the family insurance company.

Credit score will have an impact. If you’ve already taken the credit card plunge, pull a copy of your credit report and credit score ahead of time. Insurance companies will generally check your credit history during its due diligence in determining your insurability. If you check your credit history beforehand, you can make sure the information is correct or correct any misinformation.

Take a certified defensive driving course. Taking a certified defensive driving course will definitely help in getting you lower insurance premiums. Be sure to submit the certificate or inform the agent of your completion of the course during the application process. Stay away from high-performance vehicles. As tempting as the muscle cars and convertible sports cars are, if you’re looking for low insurance rates, stick to more standard, sedan-type cars. Check with consumer reports on automobile safety ratings – the more safety features your vehicle has, the more discounts you’ll be eligible to receive off the insurance premium. Features, such as anti-lock brakes, airbags (the more, the better), and an anti-theft system are all favorable discount features.

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