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The Cheap Insurance for Car Information Center proudly services all legally licensed drivers, both young and old, male or female. As such, I'd like to take a moment to offer our younger insurance shoppers some information that could help them save some money today.

You see, shopping for cheap car insurance for young drivers can be decidedly disadvantageous. Car insurance premiums are determined per the age and driver's experience and record of the individual shopping for car insurance. Young drivers, therefore, should work their way up the affordable rates ladder by staying with their parents' policy as they gain that crucial driver's experience and record. Chances are pretty good that after three years or so with a clean driving record that young drivers who want to own their own vehicle and want to pay for their own insurance can qualify for a preferred policy from their parents' insurer.

Young drivers enjoy a variety of car insurance discounts today, with the most common discount for having completed drivers training education per your state's DMV requirements. Normally this training consists of 30 hours of driving accompanied by an authorized driving instructor plus 6 hours of actual classroom study. If you carry a 3.0 grade point average in high school or college as a student, then you're eligible for insurers who provide discounts under these circumstances. Also, if as a student you happen to live over 100 miles from home, you're eligible to receive a residential student discount from insurers who offer it.

The majority of insurers use the age tier approach on young drivers to assign rates. Ages 16 to 21 are one tier with these rates being the highest for this group. The next age tier ranges from age 21 to 25. During this time frame, the young insured's rates enjoy a substantial drop 21 years of age, and once more at 25.

Cheap Insurance and Certain Cars

The younger you are, the higher your car insurance rate. Rates are up there for young drivers on newer vehicles which need comprehensive and collision insurance coverage. Older vehicles on the other hand only require minimum liability coverage per state requirements, and as such it's one method that young drivers can use to cut costs. Utility vehicles such as pick-up trucks get a small discount that young drivers are eligible for. Lastly, young drivers should avoid high performance and sports cars because this will jack up their rates considerably and these vehicles stand an excellent chance of not qualifying for regular car insurance.

About the Author

Felix Torres is the Founder/Director of the Cheap Insurance for Car Information Center, a quality provider of free auto insurance quotes for online insurance shoppers in the United States and Canada. CheapInsuranceforCar.com, originally founded in 2005 as Car-Insurance-Information.com, has become one of the best sites on the World Wide Web for price-conscious shoppers who want, or need, to find top quality, yet inexpensive, auto insurance coverage online. For your free, fast & easy comparison of multiple car insurance quotes, visit www.CheapInsuranceforCar.com now.

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