Cheap car insurance for young drivers

Looking for cheap car insurance for young drivers? Unfortunately, young adults typically are going to pay more for their car insurance than anyone else under age 70, because they are considered the riskiest on the road.

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However, there are some auto insurance tips that can help you save. Young adults can lower their auto insurance rate by taking a defensive driver course, raising their comprehensive and collision coverage deductibles, commuting through public transportation, buying a home or renters policy through the same car insurance company, or buying a safer car.

Ways to save on your car insurance

One auto insurance tip for saving money is to purchase a vehicle with front and side airbags, antilock breaks, automatic seatbelts and daytime running lights. Many auto insurance companies give discounts for these safety features, not to mention cars with these features are generally cheaper to insure! Another way to save a few bucks is to join an auto club, such as American Automobile Association (AAA), or taking advantage of discounts through your employer.

In the event you own an older vehicle, it may be a good idea to drop the collision and comprehensive coverages from your car insurance policy, because both coverages require you to pay a deductible in the event you file a claim, and in some cases, that may be more than your car is worth.

If you were recently married or are about to be married, you will notice a considerable drop in your auto insurance rates. That's because insurance companies view married couples as more "stable" and less of a risk. Also, when you turn 25, you can expect to see a decrease in your auto insurance rate because auto insurance companies view people 25 and older as more "stable" drivers.

Living with Mom and Dad

If you still live with your parents, but don't own your own car, you are still eligible to remain on their policy. This will save you money because your parents are considered lower-risk drivers and will likely have a better auto insurance rate than if you had car insurance on your own.

However, this auto insurance tip is less helpful if you purchase your own vehicle. Most car insurance companies will require you to buy your own insurance, to avoid any confusion as to who the car belongs to.

Car insurance and the bigger picture

To save money, you should look into what other insurance coverages you already have and see if you're paying for double-coverage. If you have health insurance through your employer, you can waive Personal Injury Protection (PIP), which pays for your medical expenses in the event of an accident. At times, some car insurance companies will allow you to limit medical damages under your uninsured motorist coverage in exchange for a lower premium.

Just be careful as to not sacrifice adequate car insurance to save a couple extra bucks. For instance, if you're in a major accident with an uninsured motorist, and your medical bills are high, you will end up paying for those bills, not the uninsured motorist!

If you think you're paying too much for car insurance and would like to get quotes from other auto insurance providers, log on to Insurance.com's auto insurance comparison application. Here, you will be able to evaluate multiple rates from best-in-class insurance providers, helping you find the cheap car insurance for young drivers you've been seeking.