Affordable Teen Driver Car Insurance in California
Reader’s Question:
I’m 19 years old and I’m now in charge of paying for my car’s expenses. I need to know how I can find cheap car insurance in California. Can you help me?
Vincent
Alameda, CA
Before anything else, you should expect a young driver car insurance policy to be a bit pricey. This is because teenagers in general are considered to be very risky drivers. So your age is a consideration whenever car insurance rates are computed. Now that that’s behind us, here are some tips to help you get relatively affordable coverage:
1. Shop for Cheap Rates – Use a car insurance comparison website. You can obtain a free quote check and compare a wide-variety of insurers quickly and easily. You won’t have to call-up different agents or have to hire a broker just to get the best offers.
2. Good Student Discounts – Maintain a GPA of 3.0 or higher to qualify for this kind of discount which can be as much as 10% off on your car insurance bills.
3. Take a Defensive Driving Course – Not only will you learn to better avoid collisions, completing a state-accredited defensive driving course will make you eligible for additional discounts.
4. Setup Annual Payments – If you can, choose to pay your coverage annually in full. Most companies today offer lowered rates/discounts for paying your policy a year in advanced and in full.
5. Take-Out a Higher Deductible – A higher deductible will result to lower premiums. Just don’t make it too high or you might not be able to file a claim when you really need to.
6. Streamline Your Coverage – Remove coverage items that you feel you can do without. If you have an old or inexpensive car, consider lowering or even dropping comprehensive coverage altogether.
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