You may be wondering why your insurance rate is way higher than your older sister. That is because drivers younger than 25 years old is considered a very high risk individual especially if you have not yet established a driving record. This not about you in particular. This is about the record made by other young people.
You have probably heard of fatal accidents where teenage drivers have been involved. These accidents are actually high in number in relation to the overall recorded accidents. An accident, especially when the damage is high, costs the insurer a lot of money. This does not make the insurance company happy at all. They would prefer drivers who do not get into accidents. Because of these accidents, young people have been branded risky, hence, the staggering premium rate.
Do not lose hope, though. There are still students who manage to actually get cheap car insurance for young people. Before your insurance is up for renewal, make sure to do these simple and easy steps.
First, take an advanced defensive driving test. This test is favorable to your record aside from making you a better driver. Once you have completed this test, let your insurer know so that this could be noted in your record and included in the next computation of your premium rate.
Another simple way of lowering your insurance is to get a good grade in school. Almost all grade discounts only require a B average. Not difficult, isn't it? Well, if you are having some trouble with your subjects, try to study harder. Skip on those late night outings and week-day non-school related events to give your studies a better focus. When you do, your mind is sharper during lectures and you'll get a better grip on the topic.
You have probably heard of fatal accidents where teenage drivers have been involved. These accidents are actually high in number in relation to the overall recorded accidents. An accident, especially when the damage is high, costs the insurer a lot of money. This does not make the insurance company happy at all. They would prefer drivers who do not get into accidents. Because of these accidents, young people have been branded risky, hence, the staggering premium rate.
Do not lose hope, though. There are still students who manage to actually get cheap car insurance for young people. Before your insurance is up for renewal, make sure to do these simple and easy steps.
First, take an advanced defensive driving test. This test is favorable to your record aside from making you a better driver. Once you have completed this test, let your insurer know so that this could be noted in your record and included in the next computation of your premium rate.
Another simple way of lowering your insurance is to get a good grade in school. Almost all grade discounts only require a B average. Not difficult, isn't it? Well, if you are having some trouble with your subjects, try to study harder. Skip on those late night outings and week-day non-school related events to give your studies a better focus. When you do, your mind is sharper during lectures and you'll get a better grip on the topic.
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