I’m getting into college next year, and my parents are finally going to get me a car to mark my achievements! Any tips on how to get cheap car insurance for young drivers?

Millie,

Austin, TX

It’s pretty hard to get cheap car insurance for young drivers, especially if you’re just learning to drive. Your car insurance agent will argue that young, inexperienced drivers are at a higher risk of getting into accidents than older drivers. However, there are ways for you to get cheaper car insurance rates:

• Prove your driving ability
Bring proof to your car insurance agent that you know how to drive safely. Completing advanced driving lessons and taking defensive driving classes are just some ways to earn a few certificates showcasing your capability to drive a car safely and responsibly.

• Get a cheaper car
It’ll definitely cost much less to repair a second-hand beetle than a top-of-the-line Ferrari. The cheaper your car, the less payment in car damage your insurance company will have to cover if you get into an accident. Let them know this, and you can argue for a lower insurance premium.

• Make your car safer
The safer your car is, the less chances you have of getting some major injuries. And if you don’t get any major injuries, you won’t have to pay as much in hospitalization bills. Install a couple of airbags, early warning devices and other safety mechanisms to lower the risk of bodily harm to you or your passengers