Finding a cheap auto insurance policy for a young person is not an oxymoron. The more that one shops around and is smart about taking advantage of discounts and other rate reductions then the easier it can be to find cheap auto insurance for young people.The driving age in most states now is 16 years old and auto insurance companies are banking the big dollars when they open a policy for a young person.A regular quote for a young person between the ages of 18-25 can be in the $300 range a month and sometimes insurance companies can go as far as to charge $400 a month! For people that think there is no other option and that a young driver has to pay that amount of money I have good news. There is such thing as cheap automobile insurance for young drivers. People just have to be smart and learn a little about the industry in order to be successful in finding low cost car insurance for young people.One of the most important things for young drivers has to be shopping around. With the advancements in technology a person can now shop for car insurance in the comfort of their own home. The internet is a good tool to find cheap auto insurance, however you must learn to use the web wisely. When shopping around online you should visit as many websites as possible, so you can raise your chances of finding that low cost policy.Another good thing you can do is visit an independent insurance comparison website that will allow you to see the quotes from many different companies. In order to get the best comparison possible and then in turn the cheapest rates you should definitely make sure that the website is 100% independent and is not associated with any insurance company. If you choose to shop around personally then just pick three or as many local agencies as you want and go talk to their agents. By being present in the establishment you will be able to see how the company works with its customers and other stuff like that. You can also negotiate your price with the agent if you so choose to.If you are a young person under the age of 25 you will have an advantage that many others don't, you will be able to join your parent's insurance policy. This means that your dad or mom will be the main policy holder and you will just be an added driver. This will certainly reduce the cost for you although your parent's policy rate will go up. The reason for this is that young drivers are seen as inexperienced out on the road and the "risk" associated with them is high. If you are just an added driver that means that you just drive occasionally and you won't be the main person on your policy.Another thing you can do is to apply for as many discount as possible. If you are doing that online then you can visit the company's website where there will be a webpage telling you every single discount available. Because discounts vary from company to company it is important for you to do some research before actually filling out the quote information. If instead you are going to the local insurance company agency make sure you ask the agent there about the discounts because they can certainly save you a lot of money.One of the main discounts for young people includes the good student discount. If you are in high school or college and you are making a 3.0 or better you should definitely apply for this discount. If you took a driver's education or a defensive driving course during high school or at any other time you can certainly be eligible for some good discounts. The safety feature discount is also a good one when it comes to saving some money. Most cars have air bags, anti-lock breaks and some of them have alarms and automatic seatbelts, this can definitely help when it is time to reducing the cost of your policy.Last but not least you can play with your coverage when you are trying to decide on which policy to choose. You can try to raise your deductible a little bit and this will reduce the policy final rate tremendously. A very common deductible is one of $500 after an accident. This will lower the cost of your premiums because the auto insurance company will pay less after an accident. Higher deductibles mean higher out of pocket costs which results in great savings when it come to the final price. It is important to mention that you should only raise your deductible when you can afford it.
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