Cheapest Vehicle Insurance: Recommendations For Certain Age Groups

1. Under-25 drivers get really expensive car insurance rates. But for drivers who fall in this age group, getting good grades at school will go a long way to help you get cheaper rates.

You must maintain a grade point of not less than B to get this good student discount. This attracts a discount of about five percent. Experience has proven to insurers that what makes a student maintain good grades is a level of responsibility which is also carried while driving. Reckless under-25 drivers are not likely to keep getting good grades.

2. For people who are over 55 years old, you get a discount after a drivers' refresher course. You can lower your monthly premium by up to 10 percent the moment you go through this course. Find out from your agent about your insurer's stand on this and the best way to go about it.

3. Are you retired? Then you should qualify for a retiree discount with most insurers. You'll definitely NOT drive as frequently as you used to do if you retire. A driver's total mileage is a strong issue which influences how much is paid in premiums. So any event that reduces your annual mileage remarkably should cut down your rate.

Don't forget that you are eligible for this discount if you're a retired person. Do learn more about eligibility requirements from your agent. And, if your agent tells you they don't offer this kind of discount, do your utmost to point out the big change in your mileage. Unless the change in your mileage isn't significant, you should look for another insurer if you don't get a decent discount.

4. You will save much if you do shop around and do proper comparison. The the difference in quotes presented per query could be as wide as $1,000 for a particular person. Notwithstanding that this is a good thing, it's advisable that you don't get too excited yet. It's not normally that easy if you're after the best price/value.

The lowest quote may not offer you the best price/value. Although each of the quotes offered will certainly give you the same basic coverage, there may be a number of differences in the details of coverage. This makes it crucial that you find out if there aren't any exclusions you won't like.

Don't forget to treat these no-obligation quotes just that way. Don't feel you have to pay unless you've got all your questions answered satisfactorily. You will be spared rude surprises later if you do this.

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