5 Tips to Get Cheap Car Insurance For Young Drivers

Whether you are the mom or dad of a teenager that is just itching to get their car on the road, or you are a new driver that is working their way through Georgia Tech and needs to pay his own way, then pay attention to the following secrets to getting cheap Georgia car insurance for young people. But first a little story…

Everyday after school, Bobby would come home and wash his car in the driveway. He cared for his little red corvette like it was his own child. Every square inch of paint was buffed, the chrome shined like a mirror & the tires glistened with armor-all. The funny thing is that Bobby hasn’t been able to actually drive his car yet. You see, Bobby made a common mistake that many young people make. They pick a an automobile based on their car payments alone. They spend all of their paycheck on a car payment, without ever thinking about how the insurance will effect their budget.

And so there it sits in the driveway like an expensive lawn ornament, until Bobby can afford the insurance
payments or would maybe have to end up selling it.

How about you?

It comes down to this. If you are a young driver, you need to know that the premium of your insurance is affected by the following items, if you can plan ahead you will be able to get cheaper car insurance for yourself.

1- What kind of Vehicle will you be purchasing?

What year is it and what model is it? I know that everyone wants a “fun” and “fast” car when they are young. Unfortunately, “fun and fast” cars statistically have more accidents than “boring and safe” cars!

If you want a 2 door sports car, then be prepared to pay a lot more for it. If you want cheaper insurance then look at getting a sedan or maybe a 4 door minivan.

I know that’s not what many of you want to hear, but that’s the way it is.

Here is another trick to getting cheaper insurance:

Before selecting a car to buy, call your Atlanta insurance agency and ask them to price the 3 automobiles you are thinking about. The cost of the insurance payments may actually help you to make your decision which car to invest in.

Here’s a quick story:

Recently, a young 18 year old friend of the family that lives in Flowery Branch, GA told me that had his heart set on an older red BMW 2-door. However, at the last moment he decided on another vehicle. What changed his mind?
It seems, he took this advice I just shared with you. He told me the red BMW insurance insurance costs were almost twice the cost of the other cars he was looking at.

2- Are you a safe driver? Do you drive within the speed limit and respect the rules of traffic on I-85 and spaghetti junction? If you insist on speeding,running red lights, driving too closely and think nothing of drinking and driving, then prepare to pay a high price for the privilege of an insurance policy.

If there is only one thing that you take away from this article, it should be that the driving habits you develop as a young person will dictate how much you spend on your insurance for the rest of your life. Make it a goal to be a safe driver and you will be glad you did the next time your coverage comes up for renewal.

3- Choose a higher deductible than you normally would.

Are you willing to accept the risk of paying for the first $500-$1000 worth of repairs? Then you will receive a lower monthly insurance rate then if you chose a zero or a $250 deductible.

This really isn’t rocket science… pay more monthly now or take the chance that you won’t have to pay it later and have a cheaper monthly premium now.

4- Stop making claims on every little nickel & dime repair for your car.

Instead of turning in that $75 window chip, go ahead and pay for it out of pocket. You’ll be happy you did when your policy comes up for renewal.

5- Don’t be afraid to ask the GA insurance agent if any discounts are available for you to take advantage of.

For example, did you know that by taking a drivers education class in school you could save money on your insurance? Many of the high schools in Cobb, Dekalb and Gwinnett county offer these. In fact, additional defensive driver courses are available for you to invest in too. Sure, it will cost you a few dollars up front, but you will enjoy the discounts forever.

Why not contact your insurance company now to find out what additional discounts are available for you?

Yes, there are additional things that impact your insurance rates, many of them of which you have little
control over. In fact we will talk about these in a future article on our blog.

However, as discussed here there are quite a few things that you can control. That is why it is important to educate yourself about the choices you do have. In this way you have the best chance at getting cheap Georgia car insurance for young drivers.