Two Secrets To Get Cheap Auto Insurance Quotes for Drivers Under 25

Between the ages of 16 and 25, you will be paying the highest premiums of your lifetime. This is, of course, assuming you don't have an unreasonable amount of violations or claims. This is also the age where, generally speaking, you will be making the least amount of money. So how do you balance a lower income with the highest insurance rates?

1. Stick With the Parental Units

This age group is often itchy to pull away from their families and traditions to find their own path in life. You are not alone with this frame of mind. However, if you want to give yourself the best head start when it comes to cheap auto insurance, pay attention.

Don't buy a car when you just get your license. Or, if you have to, make sure a parent or another highly responsible older adult with a great driving history co-signs. The reason for this is so that you can either partially or fully be on this adults' insurance policy. Because you are sharing the risk, the insurance company will balance the risk between you and the responsible driver to provide you with cheap auto insurance. I

In addition, it is assumed that this responsible adult will have high limits of liability. Meaning that if you wreck, you will have a higher amount to help pay for injuries and damage. It will protect both you and your "parental unit" from financial disaster if you have a serious accident.

Once you have a full three years of driving experience with few incidents and no lapse of insurance coverage, you can then split onto your own policy, taking with you valuable discounts to provide you with cheap auto insurance.

Think about it: You are talking about the time between 16 and 19, which you are still finishing up high school and beginning college. Rather than having to worry about working every spare second to pay for car insurance, follow this method so you can enjoy this time of your life a little more with cheap auto insurance.

2. Study.

This might be a downer for some of you, but if you can commit to keeping a B average or better as a full-time student you and your parents will get a big discount for it. Some states and some companies can provide up to a 20% discount for being a good student translating into cheap auto insurance.

The statistics behind that is if you are responsible with your schoolwork you are more likely to be responsible as a driver.

There are other ways to drive down your costs, but as a person under the age of 25, these will have the biggest impact for your cheap auto insurance. This is the best time of your life and it goes by too quickly. Avoid the mistake of owing so much for car payments and car insurance that you can't even enjoy it.