As a first-time driver, the best way to reduce your fares in the long term is to avoid traffic violations and at-fault accidents. Once you've had a few years of safe driving experience, your rate will gradually decrease. If your policy is about to be renewed and your annual premium has risen significantly, consider comparing prices and getting quotes from competing companies. In addition, every one or two years it probably makes sense to get quotes from other companies, in case there is a lower rate.
There is no age limit on how long you can be covered by your parents' car insurance policy, unlike health insurance. It's unlikely that you'll move to another state simply because it has lower car insurance rates. Children should have their own car insurance when they buy and title their own car and no longer live at home. While most of these companies operate across the country, Erie Insurance and American Family Insurance only operate in 12 and 17 states, respectively.
By the way, some companies may also offer a discount on car insurance if you keep other policies with the company, such as homeowners insurance. While car insurance is the most expensive for new teen drivers, a lack of experience at any age means you're considered high-risk and will have to pay a higher premium. While some factors that affect car insurance rates, such as your driving history, are within your control and others, costs can also be affected by factors such as state regulations and state accident rates. On average, car insurance costs differ little by gender compared to differences seen by company, state, credit rating and driving history.
To get car insurance quotes and ultimately buy a policy, you'll need to provide personal information, such as your driver's license number, date of birth, address, occupation, driving history, and insurance history. For first-time drivers taking out car insurance for the first time, it's important to consider not only the company's price, but also the coverage options, available discounts, and overall reputation. In addition, cars that are more popular with thieves tend to increase insurance costs, regardless of how much they are worth. New drivers can save up to 319% if they choose the cheapest car insurance companies over the most expensive ones, so it's very important to compare prices.
New drivers tend to pay more for car insurance than older drivers with more experience, but it's still possible to get a good deal on your coverage. However, you can still find cheap car insurance by looking at rates every year and every time something important happens in your life, such as getting married, a new job, moving, or buying a new car. Car insurance costs are different for every driver, depending on the state you live in, the insurance company you choose, and the type of coverage you have. The best way to get cheap car insurance at age 18 is to add it to the parents' car insurance policy.