There are good auto insurance policies that are available to young drivers. While many insurance companies look at the age of 25 as a benchmark when it comes to being more responsible, it isn’t always a reasonable assumption. There are affordable options for young adults aged under 25. Comparison shopping is the best way to find them. With a little research, you can find a policy that best suits your needs. Here’s an informative guide to purchasing auto insurance under the age of 25.
Clearly Understand Your State’s Minimum Auto Insurance Requirements
Auto insurance comes in different types. A young driver with a good car may want comprehensive coverage, while someone with an older car may not want to spend a lot of insurance. Knowing your state’s minimum insurance requirements will allow you to choose a PL/PD policy that is much cheaper and will still protect you legally if you are in an accident. While it won’t provide you with any reimbursement, it will protect you from financial disaster if an accident occurs.
Look Into the Discounts You Are Eligible For
If you are under the age of 25 and still a student, you may be eligible for a good student discount. By the age of 25, most people have been driving for a few years and can have as many as seven or eight years of experience. If the person was raised on a farm, they might have even more years of experience driving numerous types of vehicles. Another discount can be gained if a Defensive Drivers Course is completed and passed. These courses are available online and can be completed in a few hours.
Are You a Renter?
If you are a renter and have been living on your own for a while, you may also be able to bundle your policies together. A multiple policy discount may apply as long as you have all of your policies through the same carrier. Paying your rent and other bills on time helps you build good credit. Good credit, in turn, helps you to appear more responsible when it comes to various types of risk. This is quite beneficial when you are 25 years of age or under.
What’s Your Occupation?
Your occupation may also be beneficial in getting you an auto insurance discount. Certain companies offer special discount programs to their employees. Talking to your human resources team will help you determine what discounts are available and whether or not you are eligible for them. If you don’t drive a lot because you work from home may allow you to qualify for a pay-per-use policy.
At the age of 25, you are still trying to prove yourself in many ways. If you’ve already been driving for several years and you have no citations or accidents, you already have a good track record. Call our insurance professionals at Bell Black Insurance today to determine how you can save money on your car insurance. Once you know what is available to you will allow you to make a wise choice.