Many young adults will learn the harsh reality of being a grown up and having to pay for the risk their peer group creates.
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Car Insurance Rates Can be Lowered For Drivers Under 25
While insurance requirements can be a rude awakening, there are ways to minimize the pain.
Some areas to consider are:
- Driver training – car insurance costs less if you attend a certified driver training courses
- Driving record – a clean driving record without tickets will have a positive effect on insurance rates
- Location – insurance rates are higher in large metropolitans than they are in rural, unpopulated areas
Where, When, and Why You Drive
Another factor that can have an impact on cost is the type of driving to be done.
Occasional driving for pleasure is going to be less expensive than using the car to commute back and forth to work or school.
Should there be a serious accident, insurance companies will investigate an insured’s driving habits to see if what they claimed coincides with the facts.
In addition to the type of driving, the amount of driving will influence insurance rates. The fewer miles driven, the lower your rates will be. Probability shows that the more miles
Probability shows that the more miles driven, the greater the likelihood of an accident.
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Who You Are Impacts Auto Insurance Rates
Married couples generally pay less for insurance than their single counterparts. Additionally, having a child can positively impact car insurance rates.
Even more than getting married, having children drives home the idea that this young adult is not living just for themselves.
Insurance companies know the sobering impact that taking responsibility for another human life has on most new parents.
They anticipate a more cautious approach to driving, and risk aversion is worth money.
What You Drive: Car Type and Insurance Rate
The type of car provides the insurance company with a strong indicator of the way that person plans to drive.
In addition insurance companies will look at:
- Vehicle weight
- Crash history
- Theft history
- Historical repair costs
Making a wise choice in the vehicle to be insured can seriously impact the cost of insurance.
As we can see, it is not all bad news for drivers under 25.
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