How to Get Cheap Car Insurance Rates for 18 Year Olds

January 27, 2012

Getting cheap car insurance for an 18 year old driver may sound difficult at first since rates for new drivers are usually high. However, there are many bargain auto insurance options out there for you to consider. Getting a discount on auto insurance would be the best way to go. Here are some things you can take advantage of.

Good Grades Discount

Getting good grades in school is important, but it can also help lower your car insurance. Statistics show that students who excel in the classroom are more likely to be responsible behind the wheel of a car. Because of this, there is less risk for the insurance company, and they reward you with a lower rate. The grade you must achieve varies with each company, but it is normally around a B grade point average.

Driver's Ed

For an 18 year old, driver's education can be a real help. It will let you gain vital experience on the road, as well as learn things you may not have known about driving, and specifically safe driving. The big insurance benefit is that this course can save you between 10 and 20% a year off of your insurance premiums.

Low Mileage Discount

If you are only 18, chances are you will not be driving the average 12,000 miles per year that most adults do. The low mileage discount means that if you are under a certain amount of miles in the year, you will get a discount off of your insurance. Most 18 year olds would qualify for this, and can be another way to get cheaper rates.