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5 Hacks For Keeping Your Insurance Costs Low As A Young Driver

As a young driver, you will face higher insurance rates based solely on your age and the risk associated with young drivers. If you can't afford a sky-high premium, though, there are steps you can take as a young driver to bring down your premium.

Hack #1: Get Good Grades

If you are still in high school or college, work to maintain a good grade point average. Many car insurance companies offer discounts to young drivers who are still in school for getting good grades. Getting good grades to show that you are dedicated to learning and shows that you are responsible. To get this discount, you will need to submit your report cards to your insurance provider.

Hack #2: Take a Defensive Driving Class

Next, sign up for a defensive driving course. Defensive driving courses are usually reasonably priced and can provide you a sizeable percentage discount on your insurance for a set number of years.

For example, your insurance provider may give a 5% discount on your premium for three years if you take a defensive driving course. The exact discount and the discount's length can vary from one insurance provider to the next, so check with your insurance provider to discover how a defensive driving class can help you lower your premium.

Hack #3: Take a Driver Training Course

A driver training course is different than a defensive driving course. A defensive driving course is usually taught completely online or in the classroom. It is all about providing you with information.

A driver training course is where you train and learn how to drive with a professional driver. Even if you already have your license, taking a driver's training course can help you save on your car insurance.

Hack #4: Drive a Cheap Car

Another way to save on your insurance is by driving a cheap car. Now is not the time to purchase a sports or luxury vehicle. This is when purchasing a standard, base vehicle that comes with the basic safety features but without all the extra bells and whistles.

A cheap car usually results in a cheaper premium, regardless of your age. Plus, most insurance companies don't trust young people with fast cars, so a regular standard car can help you reduce your premium.

As a young driver, showing responsibility is the best way to reduce your insurance costs. Get good grades, take a defensive driving class, take a driver's training course, and drive a cheap and reliable car. These steps can make your car insurance affordable until you hit your late twenties and enjoy a natural drop in your premium due to your age.

For more information about what type of car insurance plan will work for you, contact a local insurance agency.