Under 21 Car Insurance: The Facts

By Kyle Fitzsimmons, InsuranceAgents.com Staff Writer

The Factors That Go Into Under 21 Car Insurance Rates

Nobody likes to be generalized or lumped into a giant category and labeled in an unflattering manner. But if you are under the age of 21 and apply for car insurance you will be looked at by insurance companies like every other driver under 21: high risk. Under 21 car insurance is generally high across the board, but there are steps you can take to reduce your risk and rates regardless of your age. Compare up to five quotes today by using our quick online form.

One of the most important ways to secure the most affordable and extensive under 21 car insurance, you should compare auto insurance quotes online. There are a number of other ways you can lower your risk as well as your under 21 car insurance rates but that is the easiest and one of the more effective means.

Simply put, under 21 car insurance rates are so high because under 21 drivers are statistically more reckless, get into more collisions, are more of a liability, and are higher risk. Here are some ways you can lower your risk and thus lower your under 21 car insurance rates:

• Maintain a clean driving record – This is easier said than done but if you can keep a perfect, or close to perfect driving record then you are proving to insurance companies that you are low risk.
• Take a safe driving course – This could be court ordered if you have so many traffic violations, but this is also a smart option if you have a good driving record. Passing a safe driving course shows that you take your driving seriously.
• Perform well in school – If you have fair grades in school then make sure your insurance agent gets a copy of your transcript. Taking school seriously implies that you also take your driving seriously and could yield you low quotes as well as discounts.
• Are you married? – As unorthodox as it may sound, being married is another way to keep your under 21 car insurance as low as possible. That is not to say you should get married in order to secure low insurance rates but being married shows a certain level of responsibility that many insurance companies assume carries over to your driving.

Under 21 Car Insurance Doesn’t Have to Break Your Bank

Those are just a few of the factors that go into determining your under 21 car insurance rates. Keep in mind that different insurance providers score these factors differently so that is why it is wise to compare auto insurance quotes using our online form before landing on a policy. Talk to an auto insurance agent today to learn more about under 21 car insurance and other ways to keep it as low as possible.

Published: Thursday 24th September 2009