19 year old drivers are certainly considered young adults; however, car insurance for 19 year olds is priced more in line like teenage drivers that are 15, 16 and 17 years old. In fact, there is very little difference in the rates paid between 16 year old drivers and those up to age 24 or so. While prices start to go down very slightly after a drivers turns 18, the difference in price is almost negligible. While as a 19 year old, you will never find really cheap car insurance; there are few things you can do to help mitigate the damage. So, here are some tips to help you save on your car insurance payments.
Keep Your Grades Up
If you're still in school, make sure to keep your grades as high as possible. Since you're 19 years old, you're probably in college. In college, the sought out GPA number is 3.0, as it's the average you want to maintain so that your car insurance company will give you a good student discount.
By showing the insurance company you study hard and get good grades, you also show that you're a responsible person. People that get good grades and are more responsible in their studies or employment usually make much safer drivers than those who do not. How much are your good grades worth to the car insurance company? A 3.0 or higher GPA average will usually get you 10% or 20% deducted from your regular car insurance premiums.
Take a Driver's Safety Course
If you failed to take a driver's education course while you were in high school, you probably regret it every time you see your car insurance bill. However, even if you didn't take a course in high school, it's not too late to take advantage of the discounts that a driver safety course can offer. Look for courses in your local area that are taught by driving schools and teach basic driver safety techniques. Your car insurance company will reward you with a 10% or 20% discount. Just make sure that the school and course are recognized by your car insurance company before you enroll.
Work and Study Close to Home
Whether you're still living at home with your parents, or sharing an apartment with friends, try to choose a job or school that is as close as possible to home. The fewer miles that you commute to work or school every day, the less expensive car insurance premiums will be. In fact, when you apply for a new car insurance policy, one of the first questions the agent will ask is how far your job or school from your home is. Drivers who don't have to travel long distances will usually save money on the car insurance. If your car insurance company doesn't offer a low mileage discount, use the Internet to search for companies that do.
Choose Higher Deductibles
Ask your car insurance agent how much raising your deductible of $500 or $1000 will save you on your monthly car insurance payments. You may find that the amount of money that you save on your payments will more than add up for the increased deductible amount. In fact, you can start depositing the money you save on your car insurance payments in the bank and save up for something really nice.
Related Questions and Answers
Does Car Insurance for 19 Year Olds Lower after 3 Years of a Clean Driving Record?
Unfortunately, car insurance rates do not really start to drop until a persons 25th birthday. While three years of clean driving will certainly result in slightly lower rates, the drop will not be huge. Insurance industry research shows that accident rates for teenagers and young adults are much higher than for those drivers over 25 years of age. This is why rates do not drop until the age of 25. Passing a defensive driving course can help reduce premiums, as can driving an older vehicle. Keeping your deductible high can also help lower your monthly premium.