There are a lot of crazy drivers out there and let's be honest - a lot of them are young and inexperienced. And, that is the reason why car insurance rates are so high for teens and people in their early 20's. If you are looking for car insurance for young people - either for yourself or your child - there are a few things you should keep in mind to ensure that the rate you get is the absolutely best you can find.
If you are the parent of a teenager, the best thing you can do to keep your rates down is to NOT buy your kid a car. By keeping him as a driver on your policy and not adding a new car to your policy, you will save a lot of money. But, if he or she absolutely has to have a car of their own, then choose wisely. A muscle car in the hands of a teenage boy is a recipe for disaster and the insurance companies know it. There are plenty of resources online that will help you make an informed decision on what type of car to buy your child, one that will be inexpensive to insure.
Car insurance for young people who don't live at home or are considered independent can still be expensive. If you are younger than 25 years old, then you are in a high-risk category that insurance companies just don't like. Because you probably also have a poor or non-existent credit record, you are an easy target for jacking up rates. So, again be careful of the type of car you choose, make sure you can keep it garaged somewhere, and don't get any tickets!
Whether you are a parent or young yourself, you can get car insurance for young people by shopping online. Compare rates from different companies and you might find one that fits your budget.
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