Shopping around for getting insurance coverage for a 19 year old driver? Obviously, you will end up with higher premiums than older and experienced drivers. It is so because the risks associated with inexperienced drivers are higher and they are taken as risky drivers for the insurers. The premium rates depend on the driver’s age, gender, location and various other factors.
If we talk about the annual car insurance rates for 19 year old male, then the average cost will be about $6,300 annually. Do you know that male drivers tend to pay more premiums as compared to female drivers, no matter what age you have? The 19-year-old female has to pay an average cost of $5,700 annually. Some states do not consider gender as the factor to determine the insurance premiums. So, you must check with your company for the same.
How to find Affordable car insurance for 19 year old drivers?
Being a parent or a guardian of a 19 year old driver, you very well understand the importance of having good car insurance in order to protect your loved ones. It is always an expense for your family. But, you can find the cheapest car insurance for 19 year old drivers without getting out of your budget.
Let’s discuss some of the great ways to reduce the cost of car insurance for young drivers.
Good student discount
Students with higher grades are always considered as more responsible and safe drivers by the insurance companies. So, if you are a 19 year old male or female and achieve better grades in your school or college, there are high chances to qualify for a good student discount.
Defensive driving discount
If you are the one who has completed a defensive driving class, you will be considered as the driver who knows safe driving rules and will obey them responsibly. This way you can get a discount and obtain affordable car insurance.
Install safety devices
Installing safety devices in the vehicle can also help a lot in saving money while buying car insurance for a 19 year old driver. The amount of discount depends on the type and quality of devices you have installed in your car as well as your state.
Maintain a good driving record
Maintaining a good driving record is another way that works effectively in reducing your premiums. The claims and at-fault accidents can become the major reasons for increasing your insurance premiums. So, drive safely and avoid violating traffic rules to get the discount on premiums of your car insurance.
Go for a telematics device
This device in your car is used to monitor your driving habits. On one side where young drivers are considered as risky drivers, so getting this device installed in your car helps in determining whether you are a careful and safe driver or not.
Keep a good credit
No matter what age you have, keeping a good credit score is always helpful in lowering the insurance rates. This shows you as a responsible person and the same will be considered as a responsible driver by the companies.
Getting the right coverage at the best insurance rates for the clients is always the main aim of Alias Insurance. The experts help you choose the right policy within your affordable budget and that best fits your needs. They try their best to save as maximum money as possible by finding discounts, and other options for lowering the premiums.
