If you do not know what you are doing, chances are you will pay for your young car insurance policy. Teenagers and other young adults usually pay among the highest insurance premiums among all groups of drivers. Fortunately, it does not have to be like this. By following my step by step plan, I can almost 100% guarantee that you pay the lowest possible price for your car insurance.
Step by step plan to find the cheapest Young Driver Insurance Policy
Step 1 Block out about 30 minutes. In the past, finding the most affordable car insurance policy meant you either spent hours driving from an insurance office to the next or spent hours on the phone talking to an insurance agent after another. Fortunately, the internet has completely changed the game. Now you can drastically reduce the survey to a fraction of what it used to be. So for a task that can save you hundreds of dollars a year, you only need to block 30 minutes of your time.
Step 2 Open a word processor like Notepad or Word and print all critical details about you and the vehicle that you plan to make sure. Information about yourself should include Full Name, Address, Phone Number, Social Security Number, etc. Information about your vehicle should include make, model, year, win, mileage etc. Why is this step important? Later in the plan, you must be able to quickly fill in online applications. Instead of having to print your information again, you can speed up the process by copying and pasting your information instead.
Step 3 Print all possible discounts. Young driver insurance is so expensive, as the younger drivers usually get into more car accidents which costs the insurance company money. But if you can prove to the car insurance company that you are more responsible than the average young driver, they would like to give you discounts on your insurance. Things that can qualify for a price reduction
To get good grades in school usually only maintaining a B funds will qualify for a discount
passes a drivers training course this is something ALL younger drivers should do anyway and can usually get you a discount of 105% at once if you have not driven the course you should definitely explore the possibility savings in auto insurance discounts should more than compensate for the price of the course.
Additional safety features your vehicle has ie, safety belts, side airbags, etc..
any additional theft protection your vehicle has ie car alarm, Loack system, etc..
Step 4 Go online and find car insurance quote providers. In general, these are NOT the insurance companies themselves. Instead, it is a company that has relationships with several car insurance companies. This step is incredibly important to finding the cheapest young drivers insurance, as it will significantly reduce the time involved from your side. Instead of visiting the individual car insurance sites, you can go to some of the insurance quote providers, copy and paste your critical information and get a list of 30 personal quote within a few minutes. The best part is that it costs you NOT to get these quotes.
But do not just stop with one of these insurance quote providers. Different suppliers have relationships with different car insurance companies. So try to visit 2 insurance quotes suppliers to get the widest selection of insurance policies for your specific situation.
Step 5 Review all your insurance listings and choose the best. These are generally the cheapest quotes, but some insurance companies provide extra benefits and coverings to their customers at no additional cost. So be sure to carefully review all quotes.
Step 6 Change your car insurance. Chances are that if you followed all previous steps you will have at least a handful of insurance listings that are a much better economic choice than the young drivers insurance you currently have. In addition to being able to find better car insurance quickly, the Internet has also made signing and or changing insurance policies a lot easier as well. In most cases, you never have to talk to an insurance agent at all. You can cancel your old policy, pay for your new policy and print all necessary insurance documents directly from your computer.
By following my step by step plan, you no longer have to pay high monthly payments on an expensive young car insurance policy. If you have 30 minutes, a computer and internet access, you can almost guarantee you the best car insurance.