Finding auto insurance if you’re under 25 can seem expensive and feel frustrating at times.
Insurance companies typically see younger drivers as a higher risk due to limited overall driving experience. This often means higher premiums, even if you have a clean driving record and no prior claims. But don’t worry — the Cincinnatus Insurance team knows smart ways to save money and still get solid coverage today.
Compare Quotes From Multiple Insurance Companies
Every insurance carrier calculates risk differently, so prices can vary a lot between major companies.
May new solo drivers try using insurance carrier online quote tools to compare rates. At Cincinnatus Insurance, we shop it around so you don’t have to. We are not beholden to one carrier and can compare your rates with multiple carriers in the preferred insurance market. You would be surprised how much your rate changes just by switching to another insurer.
Stay on a Parent’s Policy if Possible
If you still live at home, ask about staying on a parent’s insurance plan. Many carriers can give parents an idea of how much your car is to insure, so you can pay your portion of the bill to make things more enticing for your parents. It’s usually cheaper than getting your own policy as a new or young driver under 25. Just make sure the vehicle is registered properly and that you’re listed as an active driver.
Choose a Car That’s Cheap to Insure
High-performance cars usually mean high insurance rates for anyone, but especially drivers under 25 years old. Choose a reliable vehicle with strong safety ratings and low theft rates to keep costs down. With recent thefts of certain makes and models of cars, do your research before buying! Compact sedans and small SUVs are often cheaper to insure than luxury cars or sports models.
Maintain a Clean Driving Record
Speeding tickets and accidents can drive anyone’s insurance premiums up very quickly. This is even more true with new drivers establishing their own insurance history. The fewer violations you have, the more likely you’ll qualify for safe driver discounts.
Ask About Discounts for Students or Safe Drivers
Many insurers offer discounts for full-time students who keep a “B” average or higher. If you are still a student, this can be a great option for you. Ask your agent or insurer which savings you might qualify for based on your situation.
Consider a Higher Deductible for Lower Premiums
If you are able to afford to pay more out-of-pocket in case of an accident, raising your deductible is a great option. Higher deductibles can reduce your monthly or annual premium costs. The key is to make sure you can cover the deductible in an emergency if a claim occurs.
Bundle Auto Insurance With Other Policies
If you rent or have other insurance needs, let your insurance advisor know so you can bundle your policies with the same provider. Insurance companies often give discounts when you combine auto and renters, recreational, or life insurance. This can be an easy way to save money without changing coverage or reducing protection. Even if you live at home and pay rent, a renters insurance policy will protect your personal belongings if a loss happens at home.
Drive Less and Use Telematics Programs
Many insurance companies offer usage-based programs that track your driving habits with a mobile app. With these programs often comes a significant discount just for signing up. If you drive less than average or drive safely, you could earn big discounts over time. Tell your advisor that you’re interested in telematics options if you’re confident in your driving habits and don’t drive far.
Final Thoughts
Getting the best auto insurance under 25 doesn’t have to be expensive or overwhelming. With an independent agency like Cincinnatus Insurance, we can help you put your best foot forward. Shop around, drive safely, and take advantage of discounts to get the coverage you need. A little research today can save you hundreds — or even thousands — over the next few years.