Regardless of whether you’re an experienced driver or if you just got your license, the state of Florida requires you to carry auto insurance. However, car insurance can be very pricey, and the cost has continued to climb in recent years. While finding cheap car insurance in Port St. Lucie can be difficult, it’s not impossible. A young driver may be added to an existing car insurance policy under his or her parents’ policy. Or a young driver may be eligible for discounts. To help you cut costs, let’s take a closer look at what car insurance means for young drivers.
Take a defensive driving course
Defensive driving courses go beyond the basics taught in driver’s education by teaching drivers how to drive in hazardous conditions, anticipate dangerous situations, and avoid accidents. The good news is that some insurance companies offer discounts for drivers who take defensive driving courses. However, it’s important to note that the insurer and state law requirements for discounts vary greatly. Do some research to find out if your insurance company will give you this beneficial discount. If they do, defensive driving courses are an excellent way to have cheap car insurance in Port St. Lucie.
Add to parents’ policy
One of the primary questions for a young driver is whether she or he will stay on their parents’ policy or get a separate one. Joining a parent’s policy is usually the cheapest way to get insurance for a young driver. This is because parents typically have an established credit history, multiple cars, and own a house. Adding a young driver to parents’ car insurance policy still comes with a hefty cost. However, if you choose the best car insurance company for young drivers, it will certainly save you money.
Assign a young driver to the cheapest car in the household
If your household has several cars, you can save money by assigning a young driver to the cheapest car owned. The cheaper the car, the cheaper the insurance, so make sure to check your policy and double-check with your insurance company. Some insurance companies automatically assign young drivers to the most expensive car unless you tell them.
Ask about discounts
Insurance companies might offer discounts for young drivers who have good grades in school, who complete a driver education course or defensive driving course, or who commute more than 100 miles to go to school. Make sure to ask about any discounts your insurance company offers as it will allow you to save money. Student discounts are often the easiest way to get cheap car insurance in Port St. Lucie.
Compare car insurance quotes
You can save money by comparing car insurance companies to see which one offers the lowest rate for a young driver. As auto insurance companies assess risk differently and use their own formula to decide how much they charge, rates for the exact same coverage differ greatly. To help you get the most affordable coverage, it’s important to get car insurance quotes and compare them.
If you are looking for cheap car insurance in Port. St Lucie, contact Triple Insurance today. We can help you find that coverage for you not only meets your budget but covers you adequately.