Cheap Car Insurance for 17 Year Olds

If you are looking cheap car insurance for 17 year olds, you must know that it is going to be pretty difficult to find. You are excited about having passed your driving test and getting your very first car. The last thing you want to think about is car insurance, right? Unfortunately, the US government will not let you drive without it.

Insurance for a first time driver can never come cheap, especially if you are a male driver. A 17 year old girl may be offered some discounts on lady driver insurance, since insurance companies always see women drivers as low risk ones and offer them lower premiums.

The first thing you must do if you want to avail of cheap car insurance for 17 year olds is buy a sturdy, ideally second hand car. You must be going “what????” at this suggestion, but the fancier your car, the higher amount you will be charged towards insurance premium. So shelve the idea of being the envy of all at school and driving around in a swanky sports car for the time being. Instead, go for a second hand car that will cost you much less, will be safer to drive and will not attract high insurance premiums.

Next, always drive carefully. Your driving record can get you lower rates in future. So unless you are happy with paying large sums of money to insurance companies, avoid getting traffic tickets, drinking and driving, and generally try to stay out of trouble while on the road. Also, you may be shocked to hear this, but your grades too can help you get cheap car insurance for 17 year olds. Insurance companies are of the opinion that kids who are at the top of their class are obviously responsible, and this sense of responsibility will also be with them when they are driving. Taking extra driving lessons can also help with lowering your insurance premium costs.

Check with your parents whether they would be open to adding you to their existing auto insurance policies. Often insurance companies offer discounts on joint insurance policies. On the other hand, it may work out to be more expensive than an individual policy, so you would need to find that out. The place where you park your car overnight, the neighborhood you live in and the distance you will be covering every day – all these will influence the rates offered to you by insurance companies on cheap car insurance for 17 year olds.