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Under 25 Car Insurance - Tips for Getting Under 25 Car Insurance

premium age auto company

There are a number of “magic years” for teenagers and young adults. 16, 17, and 18 are all special years for their role in coming of age and legal consent. The final special year for young adults is often seen as 21, the legal drinking age. However, there is one last age that is an important rite to adulthood in the United States – 25. At the age of 25, you have are finally eligible for adult auto insurance rates and no more hassles due to car rental under 25 policies.

It is no secret that getting an under 25 car insurance policy is extremely expensive. In some cases, it can prevent teenagers and younger adults from driving at all. The reason for the more expensive premiums is simply a matter that younger drivers are a much greater risk than older, more experienced drivers. Of course, this is not fair to the few careful drivers who fall into this age group, but no insurance company is going to just take your word for it.

Because there are so many factors that go into the price of auto insurance, there are several tips that can be followed that will chip away at an under 25 car insurance policy that will get the premium down. Following these tips will not get you the same premiums as if you were over 25, but they will help out.

One factor that really makes an impact on the price of your auto insurance is where you live. Sometimes, nothing can be done to change this. However, if your legal residence is still at the home of your parents, you are eligible to be added on to their insurance policy. This will make your premiums less, but it will still not get it down to 25 and over prices.

The next factor that influences your auto insurance premiums is the type of car you have. Older, compact, and economy cars will call for a higher premium. If you already have a new, luxury, or sports car, you might want to consider trading it in to get a better insurance premium. In addition to the make and model of the car, you can also get a lower premium if your car has safety features and an anti-theft system. These features and systems include anti-lock brakes, airbags, alarms, and passive tracking devices.

Several types of discounts are available for under 25 car insurance. If you have been licensed from 3 to 5 years and have driven without a ticket or accident in that time, you are probably eligible for a safe driving discount. If you are a student, you may also be able to get a discount for having a grade point average of 4.0 or higher.

The final factors that can affect your insurance premium is the type of insurance you have. If you have an older vehicle or a vehicle with a lower value, you may want to consider leaving out the comprehensive and collision coverage. If you really need the coverage, you can also choose a deductible of $1,000 instead of a lower deductible. This will bring down your insurance quite a bit. Other types of coverage you can consider nixing are roadside assistance and rental car reimbursement.

When you are out to buy under 25 car insurance, don’t forget to shop around. Even if you have heard from friends and family that a specific insurance company has good prices, you may find another company with better prices. The company with the lowest car insurance is different for everyone.

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