Updated: October 2015
Young drivers may wonder, "Can I get good car insurance if I'm under 25?" The answer is yes. Your age does not affect the types of coverage you can obtain for your vehicle, although age is one of the factors taken into account in premium costs. You can find quite a few methods of getting quality coverage, while taking advantage of discounts you may have not known about.
If so, you're on your way to possibly qualifying for a discount on your car insurance that could help lower your payments. Here's the catch: You have to have good grades. But, nobody's suggesting that only "A" students are eligible for discounts. Many insurance companies specify that as long as you can maintain a B average, you may qualify for a good student discount. The main reason for doing well in school is probably getting a degree and landing a good job, but saving money on auto insurance could be the icing on the cake.
If you've moved out of Mom and Dad's house, do you rent an apartment? If you have a renters insurance policy, you may qualify for a discount if you buy your auto and renters insurance policies from the same company.
If you work for certain corporations or even a small- to medium-sized business with special discount programs, you could qualify for an auto insurance discount. You may want to speak with your human resources department to find out if your company is taking part in a group car insurance discount plan.
If you're self-employed and work from home, or if you're not self-employed but work primarily out of your home office, you probably don't spend much time on the road. If so, you might be able to take advantage of low-mileage discounts. Not everyone can work from home, but some people don't depend on their cars to get them to the office and back. If you routinely take public transportation, talk to your agent to find out if the low number of miles you put on your car each year could result in savings.
There are plenty of other discounts you may qualify for. Take a look at all of your options, then talk to an agent to make sure you are taking advantage of everything that's available to you. If you do, you may find that it's not only possible to get good car insurance under 25, but also at a good price.