Like a lot of experiences as a teenager, the thought of finding cheap car insurance for an 18 year old isn’t likely at the top of your priority list. We know there are many ways to go about it and fortunately for you the internet and this website can make getting cheaper car insurance for an 18 year old a reality when you know the secrets to making it happen.
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Cheap Car Insurance for an 18 Year Old
Of all the modern way to shop for goods or services, shopping for insurance online is one of the most innovative and consumer friendly things to shop for. Unlike taking a quote from an agent that you may or may not know well, talking to your parents insurance agent and spending time on the phone and personal meetings, quoting cheap car insurance for an 18 year old online using our rapid quote partner network of top Nationwide companies is free, fast, convenient and the results compared to typical quoting in person or over the phone can be big on savings because you can get 3-5 quotes in little time right from home.
3 Little Secrets of Quoting Cheap Car Insurance for an 18 Year Old:
- Every company prices policies differently.
- You first quote is very rarely your best.
- When you get 3-5 quotes from different companies it’s like having them compete for your business and will ensure you’re getting rock bottom pricing.
One of the most important aspects of your shopping for cheap car insurance for an 18 year old online, is to first gain an understanding of the types of insurance that exist and secondly to understand the State requirements where you reside and how they affect you. We’re not here to leave you hanging, so follow along so you’re prepared to begin quoting.
Cheap Car Insurance for an 18 Year Old-Types of Insurance
Most of the time when young adults look for car insurance for an 18 year old, they take the minimum insurance required by their State when there’s really more to it than that. For example, when you have a loan against your car you need collision insurance, but if you’re car is paid off and simply doesn’t have much value, the cost to repair you car may be more than the car is worth so it’s doesn’t pay to have it.
Personal injury insurance coverage on the other hand is one type of coverage that you may want more than the minimum since that’s where the most expense comes in when it comes to accident claims. Personal injury claims can run into the 10’s to 100’s of thousands, but one thing to keep in mind here is that if you have good health insurance you may be double covered after a certain amount. Again, a way to save money that you otherwise may have known about.
To understand all of the types of coverage available to you in a concise explanation, I would suggest you go to this link for cheap car insurance for an 18 year old or any young person in general. It’s not only a great resource with links to explain the various types of coverage, but also will give you the secrets to saving money in all areas when you begin the quoting process.
One of the huge benefits of online quoting cheap car insurance for an 18 year old is that you can change the variables to get different estimates so you can make adjustments when necessary on the fly. More coverage or less. A higher deductible or less. You get the idea. When you settle in on the types of coverage you want and the amounts of coverage, make sure you quote the same from every company so you’re comparing apples to apples.
Additionally, most car insurance policies quoted by 18 year olds have a very low deductible which raises the cost of the insurance. If you can raise the deductible to an amount you still can afford, by yourself or with the help of someone else, you’ll save greatly on your premiums.
Unfortunately, unlike a 30 or 40 year old, you don’t have much of a driving record under your belt and hopefully, what you do have isn’t bad at this point. If you don’t have a spotless record you will pay more for someone in your situation with a clean record, which makes free online quote comparisons even more important. I’m sure you get the picture. Also be aware that a car insurance quote for an 18 year old woman is going to be cheaper than a car insurance quote for an 18 year old man all things being equal. There isn’t a huge difference, but it does exist.
Cheap Car Insurance for an 18 Year Old-State Requirements
When you’re quoting car insurance for an 18 year old, it’s important to understand the premise that States operate under. States operate under either a tort law “at-fault” system or a “no-fault” system. Under the at-fault system which is what about 34 States use, someone will be found at-fault for an accident and they along with their insurance company will pay for damages and injury to people involved.
Under a no-fault State, your insurance company will pay for your damages and injury no matter who is found at fault. Under no-fault the basic coverage used is PIP or Personal Injury Protection. It’s where your insurance company will pay within limits, the medical, hospital and funeral expenses of the insured person, people you may have had in the vehicle and any pedestrians struck by the insured vehicle and may limit your ability to sue. Here is a link regarding PIP Coverage when quoting car insurance for an 18 year old.
You’re more equipped now than most people are to get your free quotes for car insurance for an 18 year old quickly and accurately. The system will guide you through the quoting process once you put in your zip code, select auto insurance and click “Get Quote”. Our network partners will appear and you should get a minimum of 2 up to 4 quotes to ensure you’re getting the best pricing. We hope this article helped you and sincerely hope you enjoy the savings.