Whether you are the parent of a new driver that can't wait to get behind the wheel or you are a young driver that needs to pay his own way, then pay attention to the following secrets to saving on insurance costs.

Everyday after school, Bobby would come home and wash his car in the driveway. He cared for his little red mustang like it was his own child. Every square inch of paint was buffed, the chrome shined like a mirror & the tires glistened with armorall. The funny thing is that Bobby hasn't been able to actually drive his car yet. You see, Bobby made a common mistake that many teen driver make. They pick a an automobile based on their car payments alone. They spend all of their paycheck on a car payment, without ever thinking about how the insurance will effect their budget.

And so there it sits in the driveway like an expensive lawn ornament, until Bobby can afford the insurance premiums or would maybe have to end up selling it.

How about you?

It comes down to this. If you are a teen driver, you need to know that your insurance payments will be affected by the following determining factors:

1- What kind of car will you be buying?
What year is it and what model is it? I know that everyone wants a "fun" and "fast" car when they are young. Unfortunately, "fun and fast" cars statistically have more accidents than "boring and safe" cars! If you want a 2 door sports car, then be prepared to pay alot more than if you would be getting a 4 door minivan. I know that's not what many of you want to hear, but those are the facts.

Here is a money saving idea:

Before choosing a car to buy, call your insurance company and ask them to price the 3 automobiles you that you like. The cost of the insurance premiums may actually help you to make your selection which car to buy.

Here's a quick story:
Recently, a young 18 year old friend of the family confided in me that had his heart set on an older red BMW 2-door. However, at the last moment he decided on another auto.

What happened?
It seems, he took this advice I just shared with you. He told me the red BMW insurance insurance payments were almost twice the cost of the other cars he was looking at.

2- Are you a safe driver? Do you drive within the speed limit and respect the rules of traffic? If you insist on speeding,running red lights, driving too closely and think nothing of drinking and driving, then prepare to pay a high price for the privilege of an insurance policy.

If there is only one thing that you take away from this article, it should be that the driving habits you develop as a young person will dictate how much you spend on your inurance for the rest of your life. Make it a goal to be a safe driver and you will be glad you did the next time your coverage comes up fro renewal.

3- Choose a higher deductable than you normally would.
Are you willing to accept the risk of paying for the first $500-$1000 worth of repairs? Then you will enjoy a lower monthly insurance rate then if you chose a zero or a $250 deductable.

It is really very simple... pay more monthly now or take the chance
that you won't have to pay it later.

4- Stop making claims on every little nickel & dime repair for your car. Instead of turning in that $125 door ding, why not just pay for it yourself? You'll be glad you did when your policy comes up for renewal.

5- Don't be afraid to ask the insurance company if there are any discounts available right now. Did you know that by taking a drivers education class in school you could save money on your insurance? In fact, additional defensive driver courses are available for you to invest in too. Sure, you will have to invest in these yourself, but you will enjoy the discounts forever.

Why not contact your insurance company now to find out what additional discounts l are available for you?

Yes, there are other things that impact your insurance rates, many of them of which you have little control over. In fact we will review these in a future article on our blog.

However, as discussed here there are several things that you can control. That is why it is important to educate yourself about the choices you do have. In this way you have the best chance at getting cheap car insurance for young drivers.

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