It is an unfortunate fact that car insurance for 22 year olds cost about the same as it does for 18 years old drivers--even though 22 year old drivers obviously usually have a few more years of driving experience. If you are 22 years of age, you should expect your insurance rates to remain high until you reach the magic age of 25. At that time, your rates will drop considerably. However, until then you need to try to get the best insurance rates you can. To that end, here are some tips that can help.
Take Driving Lessons
At 22 years of age, you're probably a junior and senior in college--that is if you're still in school. If you have yet to take a driver's education course, you should know that is still not too late. Even if you didn't take one in high school, your college may offer a course that could help you save money on your car insurance. In the event that your college or university doesn't have a driver safety course, look for driving schools in your area that can provide driving lessons and help you save about 15% to 20% on your car insurance. Because you still have three years to go until you reach the magic age of 25, taking a driving course will help you save a considerable sum of money over the next three years.
Keep Driving to a Minimum
If you really want to save some money on your car insurance, keep your driving to a minimum. Choose a job that is closer to your home or are consider moving closer to your school if you are still a student. The fewer miles you commute every day, the less you'll pay for car insurance. Insurance companies reward drivers that drive fewer miles on average with considerably lower rates.
Higher Deductibles Mean Lower Payments
When choosing a policy, choose a higher deductible such as a $500 or $1000 deductible. The higher deductible you choose--the lower your monthly insurance payment will be. Higher deductibles mean more out-of-pocket costs if you're in an accident, but the amount you save on your monthly payments will usually more than make up for the added deductible amount.
Sports Cars Are Cool but Expensive to Insure
At 22, you still have three more years before insurance rates really go down. So, continue driving a sensible car and wait on that fancy sports car. Less expensive cars will always be much cheaper to insure than an expensive sports car.
All Quotes Are Not the Same
When shopping for a new car insurance policy, or before you renew your existing policy, always use the Internet to search for multiple quotes for your car insurance. Visit sites like CarInsurance.com to check rates from several insurance companies at once. The more quotes you receive, the better pricing you will usually find on your car insurance policy.
Drink a Beer - Take a Taxi
If you enjoy the occasional beer or shot of alcohol, make sure that you leave your car at home. If you're planning on meeting friends for a few drinks, take public transportation or even a taxi. Although the taxi will cost you a few bucks, it will certainly be less expensive than the fines and penalties involved with a DUI and the many years of increased car insurance premiums that drinking while driving will cost you. Don't take a chance, and don't even think about drinking and driving.