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20 Tips for Cheap Auto Insurance (Part 2)

While many discounts are available to drivers of any age, some discounts are specific to certain groups that are statistically more likely to have accidents. Auto insurance for teenagers usually have the highest insurance rates and people over 65 usually pay more than those between 25 and 65. Some companies offer special discounts tailored to these high risk groups. Here are the last 10 auto insurance tips.

11) Good student discounts are usually offered to teens who maintain a GPA of 3.0 or better with a good school attendance record. Students who maintain high grades and attend school regularly are more likely to act responsibly behind the wheel.

12) Teens who volunteer for community or charitable programs for 3 to 5 hours a week may also earn a discount. Some insurers offer discounts to teens who volunteer for the Red Cross, YM-YWCA, American Cancer Society and other school, church or community outreach programs.

13) Driver education classes offered by most high schools can lower the cost for young driver insurance. If a teen’s high school does not offer a driver education class, a private driver education course may also lower insurance rates by as much as 15%.

14) Teens insured on their parents’ auto policy pay less in premiums than teens who have a separate policy. Parents are often eligible for insurance discounts and teens can take advantage of some of the discounts their parents have earned.

15) Electronic monitoring devices that keep track of the way teens drive may create cheap insurance for young drivers and lower rates for their parents. Not all companies offer this discount, but it is becoming more available and some carriers are offering similar discounts for all drivers.

16) Some insurers offer senior citizen discounts to drivers over 65 with a clean driving record. Seniors can check with different insurance companies to find out if they offer the discount and how much of a discount is offered by each company.

17) Senior citizens who are not members of AARP may be able to save money on auto insurance by joining. AARP has agreements with different insurance companies to offer discounts on auto, life and health insurance to their members.

18) Recently retired seniors should review their driving habits since it is likely they are driving fewer miles than when they were commuting to a job. Reporting the change in driving habits to an insurer may result in lower premiums.

19) Special discounts may be offered to seniors through senior advocacy programs run through local or state governments. These programs are most readily available to low income seniors in rural areas who need a car for basic transportation.

20) Seniors who are not related but share a household may be able to save money with a multi-car discount. This only applies to seniors living in private residences who share household expenses and own more than one car.

Seniors and teens qualify for many of the same discounts offered to other drivers and are offered additional discounts to offset some of the extra cost of insurance for these groups. One of the best auto insurance tips is to comparison shop by getting free quotes from different insurance companies. Rates are highly competitive and comparison shopping can save every driver money. Especially if you follow these auto insurance tips. So get to it and compare car insurance quotes now.

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