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How to Get Cheap Car Insurance when You're a Young Adult Driver

If you're a young adult driver, you may be wondering how to get cheap car insurance. There are a few things you can do to lower your rates, including remaining on your parent's policy, shopping around, and assigning the right car to the policy. You may also be able to reduce your mileage to lower your premium.

 How to Save Money On Your Next Car Insurance Premium

Compare rates from multiple insurers

When you compare rates from multiple insurers, you're able to find the best policy for your needs. This is because you can review the options and decide which quotes to choose. Comparing auto insurance rates can save you money and time.

Consider insurance costs when buying a car

When you are considering which car to buy, be sure to factor in the cost of insurance. Insurance rates can vary widely from one make and model of car to another, and the difference in price can be significant. 

Do your research ahead of time so that you know how much the insurance will cost for the car you are interested in. That way, you can factor it into your budget and make sure that you can afford both the car and the insurance.

Get quotes from independent agents as well as from the insurer

There are many reasons to get quotes from both independent insurance agents and the insurance company itself. For one, captive agents are usually very well-versed in the company they represent and can often get you the best rate possible. Additionally,

 getting different quote costs from the same carrier can be confusing. However, an independent agent will be able to sift through the jargon and help you understand the important details so you can make an informed decision. In the end, working with an independent agent may save you time and money.

Consider a higher deductible to save on premiums

A higher deductible on your insurance policy can save you money on your monthly premium. By assuming more of the initial cost of your care, you are relieving the burden on the insurer and reducing the overall cost of your policy.

 If you are healthy and do not anticipate needing much medical care, a high-deductible plan may be a good option for you. You can also save money by bundling your policies or taking advantage of other discounts.