How To Get The Cheapest Insurance For Young Drivers

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Let's face it, if you are supporting a family these days and you drive

, you are probably strapped for cash most of the time. However, you are probably at a point where one or more of your children have now gotten their driving licenses. For them to drive your vehicle or their own vehicle legally, they are going to need insurance, which is never cheap and shopping around for rates can be a nightmare. If you are looking for the cheapest insurance for young drivers, this article may be able to help you.

Before you start looking for insurance, decide whether or not your child is going to have their own vehicle or if they are going to be using your car. This will affect the types of insurance you need to look at.

If your child is going to be driving your car, you may be able to add him or her to your policy. This, in some cases, ends up being cheaper than taking out a whole new policy just for your child. You can talk to your current insurer about doing this and you can also look for a new policy for the both of you. Switching insurers may save you money or threatening your current insurer with a switch may get you a better rate.

Young drivers will generally cost a little more to ensure than time tested older drivers with clean records. This is because these drivers are a bigger risk for the insurer and statistically, they get into and cause more accidents.

Limiting the number of miles you allow your child to drive can possibly decrease the cost of the policy. This is because the accident risk goes down with the number of miles a person drives.

Make sure the car is parked in safe areas, especially in secured and closed garages. This affects your monthly costs. Street parking will cost you, especially if your child is going to be driving a new luxury vehicle.

Shop around as much as you can. Gather as many different rates from as many different companies as you can. Use company websites and general websites to get free quotes. Look for special discounts and introductory rates. When you have a good range of quotes, call up the insurer you want to use and let them know that they need to compete for your business. Let them know the other rates you have been offered and ask them how they can beat them.

by: Lance Thorington

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