Finding cheap insurance for young drivers seems to be one of those challenges that are hard to overcome. Due to their lack of experience behind the wheel, most young new motorists are seen as a high risk to insure by insurance companies. Luckily, there are a few things that young people can do in order to find excellent deals on coverage every time. This article will talk about 5 important ways that a young new driver can save on auto coverage.
1. Look Into Pay-As-You-Go Plans
The first way to save money on cheap insurance for young motorists is to look into the benefits of a pay-as-you-go plan. This type of plan would allow you to qualify for discounts on your auto policy based on the number of miles you drive in a year. While this type of plan is fairly new, it offers the opportunity for significant savings if you are someone who works or goes to school close to home. Insurers often require participants in this program to self-report their odometer readings in order to get savings of 5% or more.
2. Keep Your Celly Put Away When Operating a Vehicle
Number two in the set of easy ways to save some real coin on young driver vehicle insurance is to commit to not using your cell phone when operating an automobile. Over the years, phone use in the car has become one of the most well-documented causes of accidents on the road. If you can make it your goal to keep your telephone put away when driving, you’ll probably be able to pay more attention to what you are doing. This will reduce your chances of having an accident, which will save you real money over time.
3. Keep The Number of Non-Family Members In The Car To A Minimum
3rd on the list of ways people can reduce the cost of their young insurance is to keep the amount of friends in their vehicle to the minimum. Having a lot of folks in the car with you can also serve as a distraction to your driving. Depending on where you live, there are actually vehicle occupancy laws that restrict the number of young, non-family members that can be in an automobile at one time. So, to reduce the chances of breaking the law and being in an accident because people are hogging your attention, play it safe and abide by the law.
4. Study Hard
Hitting the books is another way that you can save some money and find young driver insurance for cheap. This is because insurers are known to give discounts to students that are able to maintain at least a B average in school. Another way to quickly qualify for savings is to take a driver’s education or defensive driving class to boost your knowledge on how to be an asset on the road.
5. Add More Coverage Plans to The One That Covers Your Vehicle
Number five on the list of simple ways to save on vehicle insurance coverage for young drivers is to combine other policies to the one that protects your automobile. These added coverage plans could protect your life, home, electronics, business, and even the contents of a dorm room. When you are able to bundle like this, you will qualify for a discount automatically because insurers want to reward people who give them all of their insurance business.
So, as you search for the best deals around, be sure to take into account these five simple ways to cut down on the amount of cash you have to shell out.