There are insurance companies that offer affordable auto insurance for young drivers, but you have to find them. Often a young driver will tell a friend about an economical insurance policy he got for his car, but when the friend asks for a quote, the price is totally different. There are several things that can cause this to happen.

They may live in two different areas. If a young driver still lives at home with his parents, he usually has no control over the area where he lives. If he lives in an area where there’s a lot of traffic, or a place that has a history of accidents, his car insurance will be more expensive, than what his friend, who lives in the country on a dirt road, has to pay.

If your policy includes theft coverage and your friend’s doesn’t, your premium will also be higher if you live in an area where a car is being stolen every 5 to 10 minutes. If your car just happens to be one of the top ten cars stolen in your state, your insurance rate will go even higher.

Your driving record can make a difference in the affordability of your auto insurance. If you have a traffic ticket or have had an accident in the past three years, and your friend has a clean driving record, you will pay more for your insurance. Insurance rates are reduced 20% if you have a clean driving record for the past three years.

How affordable your insurance is will be influenced by whether you are a male or a female. Normally, young men pay more for their insurance premiums than girls of the same age do. Statistics show that girls drive more responsibly than boys, and that they have fewer accidents, making them a lower risk for the insurance company.

The type of insurance policy you choose will make a difference in the price of your policy. If you choose full coverage insurance with theft protection because you have a brand new car, and your friend buys just liability insurance because he has an older, used car, your policy will cost you much more than what he pays.

The type of car you choose to buy plays an important part on the affordability of your insurance. If you buy a brand new, sporty, fast car, your insurance will be extremely high. If your friend buys an older car with a small motor, his insurance will drop considerably. Save buying a new, fancy car for later years when your insurance rate has already dropped.

How much you use your car affects the cost of your insurance. If you just drive your car to work or to school and leave it parked most of the day, you won’t be considered such a high risk to your insurance company. It’s a good idea to see how you can keep your mileage down.

There are a lot of factors that play an important part in being able to buy affordable auto insurance for young drivers. If your insurance doesn’t seem affordable when you first start out, strive to maintain a clean driving record, and it won’t be long until it will become affordable.

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Learn the secrets to getting affordable auto insurance for young drivers. You can get the very best price on the best policy for your needs when you get an online auto insurance quote comparison. Find out more about saving money on your car insurance today.