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Cheap Car Insurance For Young Drivers

Insurance Tips For Teens Behind The Wheel


Road Map For Young Drivers

Cheap Insurance For Young Drivers

I work in an office and sit in a cubicle next to a mom who has a teenage daughter.  The daughter is 16, and recently obtained her driving learner’s permit.

It’s amazing how quickly time goes by, as my oldest daughter has had her driver’s license for 10 year now.  My friend visits me and gives me the daily run-down of how this little exercise is going.

Connecticut recently enacted a law that requires parents and/or guardians of teenagers with learner’s permits to also attend drivers education classes.

Now that one of my daughter’s is married and over the age of 25, her auto insurance premiums have decreased.  However, I’m still left with one daughter at home, and am footing the bill for her young singles auto insurance.

Young drivers can find cheaper insurance and compare auto insurance from a variety of companies online. Youthful drivers are able to quickly locate the cheapest rates online compared to the old method of contacting each insurer directly for a quote.

There are a multitude of companies offering cheap insurance for young drivers.

Even if they’re considered high risk drivers due to a lack of driving experience – the key is just to seek these companies out.

As a parent, I certainly had seen my insurance rates increase when my daughters were newly licensed.  In Connecticut, drivers-education retraining classes are frequently required for multiple offenses.

You may ask why can the cheapest insurer differ for each young driver?

Several factors have an impact on rates:

  • location; driving record; gender and type of vehicle coverage

New drivers who have not had their license for at least three years may not qualify for the 20% good driver savings.

If you’re the parent of a soon-to-be youthful driver, or current teenage driver, keep these things in mind and mention them when shopping for affordable auto insurance:

  • A short commute to work or school
  • Honor Roll or good grades in school (may need proof)
  • Higher deductibles when adding physical coverage to a vehicle
  • Drop or eliminate unnecessary coverage such as “collision” if the vehicle’s value is insignificant
  • Consider recurring automatic checking or savings account bank withdrawals from your account to reduce billing fees
  • Pay premiums up-front  in advance for 3-6 months or up to one year in order to avoid billing fees.

If you’re like me, we want peace of mine and won’t fall asleep until we hear the sound of the car-door slamming in the driveway at night.

© Moomettes Magnificents

About Cindi Moomettes

New England blogger and influencer from Connecticut and author of the multi-generational Moomettes Magnificents where she writes about Family, Grandparents and Grandchildren, home decor, Crochet, Knitting, DIY, crafts, family travel familiarization trips (FAMs), photography, social media and reviews. You can also find her at Moomettes Crochet Shop for the latest Handmade Fashion trends, Home Decor, Handmade Crochet Wash Cloths & Accessories. For food and recipes visit at her blog Frugal New England Kitchen ***Products and/or companies featured on Moomettes Magnificents may have provided product samples and/or compensation for consideration. All opinions are my own. Posts may contain affiliate links. See also Disclosure***

One comment

  1. I never understand why parent pay for the children auto insurance. I did allow my son to get behind the wheel until he could afford it. Now a days you have to look for the best deal. Great post
    .-= Nightowlmama´s last blog ..Funniest Five Momfinitions =-.

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