Teenagers and drivers in their early 20s typically pay more for car insurance than older individuals. Because young drivers have less experience on the road, they are considered a higher risk, which leads to higher premiums. Fortunately, there are a variety of ways young drivers can lower their rates. Learn about a few strategies for doing this with the guide below.

5 Ways to Lower Young Driver Insurance Rates

1. Choose a Reliable Vehicle

Opt for an older vehicle with a proven safety record over a sports car or other fancy ride. New, “flashy” cars are always more expensive to insure. If possible, choose a car with the latest safety features, such as lane-change warning systems and cameras for parallel parking, to prioritize safety and lower your insurance rate.

2. Take a Driver Safety Course

Enroll in driver safety classes even if your state does not require them. Completing a driver safety course shows your insurance company that you understand the rules of the road and have learned best practices for safe driving.

3. Get Good Grades

Talk with an agent to see if your carrier offers good grade discounts. Many insurers offer lower rates for students who maintain at least a 3.0-grade point average, or B average, and are enrolled full time in high school or college. Your insurer may request a copy of your report card or a letter from your school administrator.

4. Join the Family Policy

Many car insurance companies will lower young drivers’ rates when they are added to their parents’ policies. This is because parents typically have established driving records and multiple vehicles, own homes, and enjoy good credit. Note that the driving records of the entire household also dictate whether you’ll save money.

5. Maintain a Clean Driving Record

Do your best to avoid tickets and subsequent points on your driving record that can cause insurance rates to go up. Avoid speeding or driving too slowly, reckless and careless actions, and other activities that could get you pulled over, such as not wearing your seat belt or changing lanes without using a blinker.

Young drivers can find car insurance tailored for them at Aaron Insurance Agency in Dothan, AL. This company specializes in high-risk insurance for drivers and motorcyclists, as well as RV insurance. Call the agency at (334) 712-0777 to request a free quote or visit the website for more information.