Cheap Car Insurance 18 Year Old

Cheap Car Insurance 18 Year Old

Where do you start when you are looking for cheap car insurance for 18 years old?  The starting point is whether you will own your car or if you will be driving your parent’s car.  We will review both situations below.  In addition we will explore how to find the right company and explain the best ways to find the cheapest prices on auto insurance for an 18 year old.

18 Year Old Driving Their Car

There will be a strategy you will want to follow when an 18 year old owns their car.  In this situation it will most often be better to have their own policy.  To find the cheapest car insurance for an 18 year old it is best to drive an older car.  There are two main benefits to this.  The first is the insurance company will view the car at a lower level risk as an accident or damage to the car will cost much less.  The second benefit is the 18 year old will be able to increase their deductions for collision and comprehensive coverage.  By raising deductibles from $250 to $1,000 an 18 year old should see savings of several hundred dollars over a 6 month policy.  There are also other ways to save as listed in the next section.

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18 Year Old Driving Parent’s Car

If an 18 year old will be driving their parents car there are also steps to take to find the cheap car insurance.  All of these steps will apply to the 18 year old if he owned the car himself and had his own policy.  The first step is to have a B average at school.  In addition to having good grade point average, the 18 year old will see lower prices if he or she takes a defensive driving course.  This can be done at his school or taken on his own.  The third area to save money is by keeping mileage as low as possible.  If the 18 year old will be driving little, possible he is close to work or school, it also make sense to review low mileage programs, such as usage based insurance.  The above areas are great ways for an 18 year old to get cheap auto insurance.

Final Step for Cheap Car Insurance

The final step to get cheap car insurance for an 18 year old is to shop around.  Every car insurance company, whether you are in larger city or smaller city, will have different risk profiles for 18 year olds.  It is quite common for one company to offer a low price to one 18 year old and a higher price to an 18 year old driver with a similar driving record.  The only way to find the cheapest auto rates is to shop around and get multiple car insurance quotes.  One of the ways to find the lowest car insurance quotes is by using an independent web site that works with many of the top car insurance companies.  This will allow you get multiple quotes by only spending a few minutes while entering your required car coverage information once.

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