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Youthful drivers often find it difficult to get a good deal on car insurance because insurers view young drivers—especially young male drivers under age 25—as higher insurance risks. A number of factors affect how much it costs to get auto insurance when you’re 25. Here’s a closer look at some of the most important factors and how to reduce your insurance costs if you’re a younger driver.
Driver History
Having a clean driving record is the best way to get lower car insurance San Diego rates. If you have speeding tickets, your car insurance rates will rise, and if you get a DUI or cause an accident, your rates will skyrocket. Completing a driver safety course can improve driving skills, reduce accident risks, and keep your car insurance rates as low as possible.
Type of Car You Drive
Your choice of cars makes a big difference in car insurance rates, especially when you’re 25. If you prefer a fast sports car, a luxury car, a muscle car, or a 4×4 with a large motor, you can expect to pay higher rates for car insurance. Thieves love to steal cars like these, and the faster the car, the more likely it is for an insurer to expect you to violate speed limits and cause accidents. Larger cars and trucks also cause more damage and are costly to repair when involved in accidents. Making a smart choice about which car you drive will greatly impact your insurance rates.
Where You Live and Drive
If you travel in areas with a lot of cars on the road, high accident and theft rates, and frequent inclement weather that impacts driving conditions, your car insurance rates will rise. The more crowded the local streets are, the more likely you are to get into an accident. If you live in a relatively crime-free area but work in a location that has a high crime rate, your auto insurance cost will go up due to the increased likelihood that thieves will target your vehicle at your workplace. Choose wisely when you look for places to work and live, and your car insurance rates might go down.
Driver Tracking Programs
Many new cars have GPS and onboard tracking technology, and insurers can use that tracking data to assess your personal driving habits. If you drive safely and don’t rev the engine, frequently slam on the brakes, or drive at high speeds, your insurer may reward you with a discount. Onboard tracking tells insurers when you drive, where you drive, and how you drive. This information tells them you’re safe and worthy of lower rates.
For a detailed personalized quote on auto insurance, contact your insurance agent. If you’re looking for reliable car insurance and high-quality service, call on the trustworthy agents from Altra Insurance Services. We also provide dependable renters, homeowners, and motorcycle insurance. San Diego drivers of all ages should give us a call today at 619-474-6666.