The cruel reality when it comes to car insurance is that teenagers are going to have to pay extremely high premiums. This happens because teens are more likely to get in an accident because they have limited experience in driving. The good news is that there are things you can do to get cheap car insurance.
The first thing you need to do when looking for car insurance is to not settle for he first quote you are given. The best way to save money on insurance is to go around to many different companies and get quotes from each one. Often times the first company you get a quote from is actually one of the most expensive. So, ask around and do not be in a hurry and you will save money.
If you are about to purchase a car you should look into a number of factors which will help keep your premium down. If the car you are purchasing has anti-lock brakes, an anti-theft device, and air bags you will see the premium go down. If you have a safe car that has limited risks on it, you will be required to pay less because it is cheaper to insure.
Companies often times offer a no claims bonus where you earn discounts on your premium over time for not making any claims. This is a great long term solution to reducing your car insurance as a long driver. The typical discounts that you receive start around 30% off your premium which can save you a good amount of money in the long run.
If you are looking at getting a used car it is wise to avoid cars that have modifications. Insurance companies typically charge you more on your premium if there have been modifications done to the car which will of course cost you more money.
If your car has an alarm professionally installed into it, you can look at about a 10% reduction on your premium. Insurance companies like car alarms because they help ensure that your car will not be stolen which will save them a lot of money.
If you do not drive very much and your annual mileage is low, you could be on your way to receiving a mileage discount. The less miles you drive the fewer opportunities you have to crash your car, so the company will offer you a good discount to keep your miles down.
Although you will not receive a big reduction on your premium, you can save a little money by adding an older driver to your policy. Typically, with an older driver, such as a parent, on a policy, the teen driver drives safer because there is someone making sure they do.
Teenagers have limited driving experience compared to other drivers so they are seen as more likely to get in an accident by car insurance companies. This is the reason that teenage car insurance is so expensive. This article should help you get cheap car insurance for teenage drivers.