Finding the Best Cheap Car Insurance For Young Drivers

Finding affordable car insurance is tough but it gets even tougher if you are a young driver. Anyone under the age of 21 will have a difficult time obtaining car insurance and they often need to piggyback on their parent’s insurance policy for awhile while they build up a good driving record. Cheap car insurance for young drivers does exist, you just need to know where to look and how to negotiate with the insurance companies. Here are some steps that will help you get started:

Step # 1 – Talk to your existing insurance provider
Cheap car insurance for young drivers can often be acquired by talking to your existing insurance provider. If a young driver has been insured in the past by their parent’s company, they already have a driving record and history built up with that insurance company. This means you can easily get the best rates by working with these existing insurance companies as they will be able to easily approve you.

Step # 2 – Go online and compare rates
You can also find cheap car insurance for young drivers by going online. Submit your information to a variety of different websites to see which ones will offer you the best rates and can provide you with the coverage amount you need. These insurance companies may take a day or two to get back to you with a quote as they need to verify your driving record and they also need to check and make sure you can afford the monthly payments.

Step # 3 – Talk to local insurance companies
Many of the local insurance companies will offer cheap car insurance for young drivers. Keeping the business local is a big part of insurance companies and they will usually insure younger drivers, but you may have higher premiums and deductibles to meet. Meet with an insurance agent to talk about your driving record, age, and vehicle. You can then discuss the different insurance options that are available so you can find one that you can afford and will provide you with the coverage you need.