Really Cheap Car Insurance for 18 Year Olds

Finding the Best Car Insurance for 18 Year Olds

Turning 18 is an exciting time. You are now able to drive, and you are on your way to adulthood. But with adulthood comes responsibility: one of which is having the right car insurance. As an 18-year-old, you will not have the same car insurance rates as your parents do. You are considered a high-risk driver, and car insurance companies will charge you more. But don’t despair. It is still possible to find really cheap car insurance for 18 year olds.

Compare Car Insurance Quotes

The best way to find really cheap car insurance for 18 year olds is to shop around and compare quotes from different insurers. Every insurer has a different risk assessment and rates, so it pays to get quotes from as many as possible. You can go online and compare the different car insurance quotes. Many comparison websites allow you to compare quotes from multiple insurers side-by-side. This makes it easy to compare the different prices and coverage options.

Good Driver Discounts

Another way to get really cheap car insurance for 18 year olds is to take advantage of any good driver discounts that are available. Most insurers offer good driver discounts for drivers who have a clean driving record. If you have not had any moving violations or accidents in the past three years, you may qualify for a good driver discount. You may also qualify for a discount if you have taken a defensive driving course or have completed a driver's education course.

Group Discounts

Many insurers offer group discounts for drivers who are part of certain organizations. For instance, if you are a member of a car club or a college student, you may qualify for a group discount. You may also qualify for a group discount if you are part of an employer-sponsored car insurance plan. It pays to ask your insurer if they offer any group discounts that you may be eligible for.

Raise Your Deductible

Another way to get really cheap car insurance for 18 year olds is to raise your deductible. A deductible is the amount of money you need to pay out-of-pocket before your insurance will kick in. By raising your deductible, you can lower your monthly premium payments. Just make sure that you can afford to pay the deductible if you ever need to make a claim.

Look for Low-Mileage Discounts

If you don’t drive very often, you may be able to get a low-mileage discount from your insurer. Many insurers offer discounts for drivers who drive less than a certain amount of miles in a year. This is a great way to get really cheap car insurance for 18 year olds who don’t drive very often.

Finding really cheap car insurance for 18 year olds may seem like a daunting task, but it is possible. By shopping around and comparing quotes, taking advantage of discounts, and raising your deductible, you can find the right car insurance policy that fits your needs and your budget.