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Buy The Cheapest Car Insurance For 17 Year Old Male/Female Drivers Now

The average car insurance for 17 year old female or male drivers’ costs could be extremely high. This is because of the fact that insurers perceive much greater degree of risks while dealing with drivers who have less driving experience. As teen drivers have higher probability of meeting with accidents, they are likely to file claims. This coverage risk is compensated by charging more money.

Besides, male drivers are considered more risky to insure as compared to their female counterparts and charged higher premiums. But still, regardless of your gender, it is possible to save some money during your overall effort to secure a solution that easily fits your specific driving needs and budget. We can teach you the techniques that enable saving precious dollars on teen driver’s vehicle insurance.

Check Eligibility To Get Discounted And Best Car Insurance For 17 Year Old

Leading national carriers are known for providing discounts on auto insurance for 17 year old male or female drivers. You can determine your ability to qualify for a discounted car insurance package as it may go a long way in saving some money on premium. Usually, companies provide following discounts.

  • Good student discount - If you are a college student who has consistently maintained excellent grades in your academics with GPA of 3.0 or above then you could be eligible to receive a special discount on premium. Student drivers with good grades are perceived to be highly responsible drivers by all auto insurance providers and so, they are rewarded with a premium concession.
  • Driver training discount - It is easier to get cheap auto insurance quotes for 17 year olds if you have successfully passed out a training course for learning defensive driving skills from a government approved institute. Car insurance providers normally offer up to 15% premium discount for teen drivers that have taken pass plus driver’s education training.
  • Distant student discount - If your high school or college is far away from your home then you are most likely to stay in a hostel. It means you won’t be driving your parent’s vehicle very often except for vacations. Some insurers extend premium discount for student drivers that stay in boarding schools which are away from home by 100 miles. You can check your eligibility to get benefitted with a distant student discount in such kind of a situation.

Tips To Get The Best Cheap Car Insurance For 17 Year Old Boy Or Girl Drivers

There could be ways to cut down on 17 year old drivers’ auto insurance premium costs. It is important that you know them before you start researching your alternatives. Here is some vital information regarding the same which you may find useful during your effort.

  • Raise your deductible - By choosing higher deductibles, you can effectively bring down premium levels by around 40% when you have reached driving age.
  • Take safe driver course - Get enrolled for a defensive driver’s training course from a government approved training institute. By passing out driver’s education course successfully, you can save up to 20% extra on premium. Insurers provide special premium discount to safe drivers.
  • Maintain excellent grades - If you are a college or high school student then it could be much better if you have maintained good grades in your academics. You will be deemed a responsible driver and are most likely to qualify for a premium discount if your GPA is 3.0 or above consistently for last two years.
  • Do not purchase a new car - Old used cars are cheaper and so, you will need less money to get them insured. And to reduce premium costs further, you can even drop comprehensive and collision coverage features which are expensive.

Few Simple Ways For Saving Money On Car Insurance For 17 Year Old Drivers

Although it is difficult to find affordable car insurance for young teen drivers, the probability of securing a solution that is well within your budget is always there. You only need to be aware about the methods that can lower your auto insurance rates. To that effect, consider the following.
  1. You can stay on your parent’s car insurance policy rather than own a vehicle of your own. This way you will not have to buy separate coverage and thus, you can save money. But premium for your parent’s car cover will increase; still it would not affect your wallet.
  2. If you are owner of a car then you can select a high deductible for lowering your auto insurance premium substantially. The term “deductible” refers to the amount of money you will pay in advance for settling a claim. Insurer will come into picture only after deductible is exhausted.
  3. It is possible to get a discounted auto insurance package despite your being a 17 year old driver if you have successfully passed out a training course for learning defensive driving skills. Most of the insurers will perceive you to be a highly responsible driver and reward you too.
Learn How To Get Cheap Car Insurance For 17 Year Olds With Advice Online

You might not be required to purchase separate 17 year old driver’s car insurance policy if your parents are willing to get your name added on their existing policies. By doing so, the premium is most likely to increase but for you, it can save money. Parents may just have to contact their insurers and get their coverage updated for accommodating you on car coverage. This could possibly be the cheapest alternative that you may have to get yourself covered. But your parent might have to bear a huge price due to the substantially higher risk factor which insurers face.

Majority of the states permit resident teen drivers to own cars and get them insured. However, the states may require parents to sign certificate of consent or give written permission for registering cars in their teens’ name. And some auto insurance companies may be even unlikely to grant permission to teen drivers without their parents’ signature on letter of consent. If you can get your parent’s consent, you can then proceed to shop and compare free quotes provided by top rated local insurers. But since, you are inexperienced with the shopping process; it could be worthwhile to seek specialist help.

That’s where our role assumes tremendous significance. Our team of experts is available round the clock to assist you in exploring various low cost options for teen drivers. You may take advantage of our cost-free specialist advice online to get kick started for finding best as well as the cheapest 17 year old driver’s auto insurance option. We can help you to secure a solution that easily fits your specific driving needs and budget. For comparing your alternatives, all you need to do is just fill and submit a quick and easy online quotes request form and receive the best proposals.

Getting The Cheapest Car Insurance For 17 Year Old Female Or Male Drivers

Several factors go into determining the overall affordability of cheap auto insurance for 17 year olds. These may include your exact age, gender and the neighbourhood in which you live. Besides, states prescribe minimum liability coverage requirements that all resident drivers must buy. The limits may vary from state to state and that might affect car insurance rates as well. The best way to calculate premium costs for 17 year old drivers is to find out how much you will be paying monthly or annually to get your vehicle insured. Know the latest rates for male and female drivers now!

On an average, car insurance costs for 17 year old male drivers are around $4,950 while those for female drivers are about $4,100. Thus, female drivers tend to pay significantly less than male drivers. But to keep the costs low, you can always think of buying minimum liability coverage as is prescribed by your state’s law. If you don’t intend to spend money on separate auto insurance cover, you can get your name added to parent’s existing car insurance cover. Decide the correct course of action for your unique situation and accordingly, find the best coverage levels for your car.

Some Important FAQs
The average cost of car insurance for a 17 year old driver is $2,144. This number excludes the cost of any accidents or tickets that the driver might have.
The best car insurance for 17 year olds will be the cheapest car insurance for 17 year olds. The key to comparing car insurance companies is to know the basics about what can affect premiums. For example, if you want the cheapest car insurance for 17 year olds, it is important to look at your credit report and driving history to see where you can save money on your premium.
Our car insurance for 17 year old driver does not cover you for a rental car, but we do offer coverage for non-owned vehicles on our policy.
Yes, car insurance for 17 year old is legal in the USA.
About the Author

Andy Walker is a content writer for the AtoZ Insurance USA who specializes in the insurance and finance niches. He has been working as a freelance writer from several years, and has experience with a variety of content writing formats. Andy is a highly skilled writer who is able to produce quality content that is both informative and engaging.

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