Published: December 2012
When getting their first car, young drivers may wonder, "Can I get good car insurance if I'm under the age of 25?" The answer is yes. Of course you can get quality insurance that meets your needs with a company that provides good customer service. 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 discover quite a few methods of getting quality coverage, while taking advantage of discounts you might not have known you qualified for.
Are you a full-time student under the age of 25? If so, you're on your way to possibly qualifying for a discount on your car insurance that could help lower your premiums. Here's the catch: You have to have good grades. But, nobody's suggesting that only "A" students are eligible for student auto insurance discounts. Many insurance companies specify that as long as you can maintain a B average in your coursework, you may qualify for the good student discount. Your main goal in doing well in school is probably getting a degree and landing a good job, but saving some money on your auto insurance premiums could be the icing on the cake.
Do you have a renters insurance policy? At a younger age, you may not have bought a home yet. But, 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 insurance policy from the same company.
What do you do for a living? If you work for certain major corporations or even some small—or medium-sized businesses with special discount programs, you could be eligible for an auto insurance discount and not even know it. You may want to pay a visit to your human resources department to find out if your company is enrolled 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, at least not nearly as much as you would if you were to commute each day. If so, you might be able to take advantage of low mileage discounts offered by your insurer. Not everyone can work from home, but some people don't rely on their cars to get them to the office and back. If you routinely take advantage of public transportation instead of driving to work, talk to your insurer 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 auto insurance discounts that you might qualify for. Take a look at all of your options, then talk to an insurance agent to ensure that you're 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 that you can also do so at a good price.