Getting cheap car insurance for new drivers is quite the difficult task as many parents have experienced it personally for helping their teenagers get their first car on the road start driving after they have gotten their driver's license.

From the insurer companies' perspectives, new male drivers between 16 and under 25 years of age are more likely to drive recklessly and get into road accidents. They are hence deprived from cheaper insurance for young drivers. And when they claim for damage repairs, their premiums can even go up by 100%. It is not easy, but there are still ways for parents to get cheaper insurance quotes for young drivers.

On top of being young and immature in their handling, these drivers under 25 years of age tend to have very little driving experience except for the hours spent in driving school. Insurance companies know this and charge more expensive young persons car insurance premiums to avoid making losses on reimbursing the car repair bills which are likely to occur frequently.

That is why, the way to get the best young drivers car insurance is to lower your risk profile from the viewpoint of the insurer companies. You are not going to lower your payments too much, but anything is better than nothing. To start you can call your familiar insurance agent to find out the criteria they use to compute the premiums on young driver car insurance. We give it here as well, for convenience: age, prior insurance, clean driving record, good credit history.

Do you know that you can get insurance coverage for the time spent on additional driver's education and defensive driving lessons to get the license. This will help lower the premiums charged for your new drivers at home when they eventually get their licenses. If your son or daughter's grades in school are consistently excellent and above B average, submit them along with your application to get another discount.

Some insurance companies for young drivers also make special provisions for their new clients. They have in-house training and test sessions to evaluate the risk profile of applicants for car insurance under 25 years old.

Only safe drivers will be allowed to be covered under these plans and since risky drivers are being rejected, the overall cost is significantly reduced and every accepted policyholder gets to pay lesser monthly premiums. However, not many insurers specialized in providing such programs to provide cheap car insurance for new drivers and it may not be available in your state. Moreover this only applies for new but competent and careful drivers in order to pass these examinations.

The onus to maintain a clean driving history is the most important to getting cheap car insurance for new drivers in future. It does not matter how much you do now to lower the premium rates because the moment you get into an accident and the other party makes a claim on your young car insurance policy, your new rates can be adjusted by up to another 100%.

On the other hand, if you drive carefully without any accidents or speeding tickets, by the time you reach 19 years old, your insurance rates for young drivers will have dropped by up to 35%. At 21 years old, you get yet another 25% off. The message here is that the most effective strategy is to drive carefully, maintain a clean history and you will end up with the cheapest insurance for young drivers.

Insurance Quotes For Young Drivers

Unfortunately, the other things you can do now to lower your insurance quotes for young drivers is somehow limited. For parents that do drive, you can add your teenager to your auto policies. Aside from being older and experienced drivers, parents get lower prices because they are married, own a house and have good credit history (hopefully). You can choose to add a new car onto your policy or to add a secondary driver (your son or daughter), depending on whether you are purchasing another car for their personal usage.

Either way, you get discounts on the additional coverage, although the latter option will still be obviously cheaper because the rates are computed based on the driving records of all named drivers in the family, so your clean driving records can offset the high risk profiles of the young and new drivers.

There are however situations when buying another car and policy for your teenager are the cheaper option. For example, if the parent drives a sporty Porsche Boxster or Corvette, the car insurance under 25 years old will be alarming high (reckless driver plus a show off car, get the drift?). Pairing a new driver with a slower, conservative Volvo station wagon which has a high crash rating may be better off. You can also get cheap car insurance for new drivers by driving a cheap and widely distributed domestic car. This means the repair costs are probably cheaper and less than $500 dollars for most minor damages or car problems. This $500 dollars is the typical deductible you can find on most cheap car insurance for young drivers.

For illustration, if you try to claim for damages that are only $400 dollars, your insurer will not pay you a cent. However, if the repair costs are $2000 dollars, you only need to pay the $500 deductible while the remaining $1500 will be settled by the insurer.

Even better, if you choose to drive an old car that is valued at around $500 (try the government police auctions), you can take out cheaper liability only policies. A liability car insurance covers you for damages caused by your driving to other people and their possessions.

Comprehensive policies on the other hand, cover you and your car as well. However, the comprehensive car insurance for young people under 25 years old can be pretty expensive and are avoided by most people unless they have an expensive car to protect.

The insurance quotes for young drivers can also be adjusted by choosing the appropriate policy deductible and maximum limits. You need to be careful with these because they are what you may have to pay in the event of a road accident caused by you. Generally, for safe drivers, we recommend choosing the highest deductible you can afford out of pocket.

We assume you are not likely to be the culprit behind any traffic accidents you are involved in, and hence can claim for damages on the other party's liability policy. The maximum limit is the amount your insurer will continue to pay throughout the coverage duration and anything above will be put on your tab. Cheap car insurance for new drivers can thus be gotten by increasing the deductible and lowering the maximum policy limits.

Finally, buying the policy direct through the insurer website such as from Tesco Car Insurance or Progress etc can be cheaper compared to doing so through an insurance agent. You need to pay commission for the latter route.