car insurance for a 20 year old male

How Much is Car Insurance for a 20 Year Old Male ?

We get a lot of question posed to us in the insurance forum and one frequent question regarding car insurance for young drivers is: How much is car insurance for a 20 year old male ?

how much is car insurance for a 20 year old maleWhile many young folks come onto the internet to look for specific answers to specific questions, car insurance doesn’t fit into a specific pricing category.  There are many things that car insurance companies have to take into consideration when they’re evaluating the pricing of your premiums for car insurance.  Depending on your driving record, your car, it’s safety features, where you live and more… the cost of car insurance for a 20 year old male will be calculated.  It can vary by a small amount to hundreds of dollars per month, but there is a solution that takes the guess work out of knowing the answer.

Our Rapid Quote Partner Network is a free quoting service that’s provided so you can get the exact cost of your car insurance from multiple companies that essentially are competing for your business without you spending a dime or having to be inconvenienced by meeting with insurance agents to get your quotes.  Literally, within minutes, you can have 3-5 quotes for top tier discount priced online car insurance companies without ever even leaving the comfort of your own home and you’ll know exactly what your car insurance premium will be and it will becustomized to your specific situation when you’re done.

How much is car insurance for a 20 year old male? Do Your Homework…

What you need to understand is that no two car insurance companies quote the same way for car insurance for a 20 year old male.  In fact, when you get 3-5 quotes to make sure you get the best pricing possible you’ll often find that your first quote isn’t your best quote so multiple quotes essentially becomes price shopping and that few extra minutes can save you dramatically on your car insurance.

The added benefits of quoting car insurance for 20 year old males online are huge and include:

  • Price shopping conveniently right from your home computer.
  • Adjusting your coverage amounts to see the effects on your premiums.
  • Adjusting your deductible amounts which is where the most money is saved.
  • Seeing which car models save you the most if you’re car shopping.
  • Including factors such as good student discounts if you’re still in college.
  • Doing your own price comparisons without the pressure of an insurance agent trying to sell you coverage you may not need.
  • You can get quotes for other types of insurance coverages such as homeowners, renters, motorcycle, health insurance and more.
  • It doesn’t cost anything to quote online with us no matter the amount of quotes you get and there is never any obligation to purchase.

All of these reasons are why millions of people today quote their car insurance online and the system will guide you through the entire process after you enter your zip code in the quoting system.

How much is car insurance for a 20 year old male ?  Did You Know…

Many young folks don’t know that car insurance is mandatory in every state and regulated by each state at the state level and each state has minimum requirements that you must have for car insurance.

While the minimums are put into place so that you have basic coverage, most folks increase certain types of coverage where the cost factor can be high in the case of an accident such as the personal injury liability.  If you’re not altogether familiar with the different types of coverage, you can have a quick review of the different types of car insurance coverage here at the link.

How Much is Car Insurance for a 20 Year Old Male ? How to Save Money …

You can save money even if you increase certain types of coverage.  By increasing your deductible to a point that is still comfortable to you, you can save substantially on your car insurance.

Students can save money by maintaining a certain GPA and being on the Dean’s list.

You can drive an older model car that doesn’t have the value of a newer car often can take off your collision insurance coverage if most accidents would total the car.

Keeping a clean driving record is super important so if you get the urge to use your cell phone or text while driving, think again.

The price you pay for car insurance for a 20 year old male should be less than when you were 16 to 19 years old, but the real reductions come to those with a clean driving record when you reach 24 to 25 years old.  Yes, it’s true that all things remaining equal that young women do get better pricing than young men.  Young men statistically take more risks and it’s all a matter of statistics unfortunately.

You get a discount when you get married, though we’re not advocating that you do that to save on car insurance.  Just keep it in mind.

Driving less miles will have an impact on car insurance so if you have the ability to reduce your annual driving miles, take advantage of it.  Other ways of reducing your car insurance quote estimates so you can save money on car insurance for a 20 year old male can be found at the link provided.

By now it should have become pretty obvious that there are a lot of ingredients that go into finding out how much young driver car insurance may cost and many of these factors you have control over and some that you simply don’t.  It makes it all the more important for you to take advantage of our free discount quoting network to get the best pricing possible.  Our network covers the entire United States and the specific area that you live so we hope you take advantage of the opportunity to save that you have with us and most importantly, that you enjoy the savings on your car insurance for a 20 year old male.  Tell your friends, we’ll save them money too!

 

 

 

 

 

 

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Posted in: Auto Insurance, Insurance

Car Insurance for a 20 Year Old | Free Low Cost Quotes

car insurance for a 20 year oldIf you’re looking for car insurance for a 20 year old, our Rapid Quote Partner Network is soon going to become your best friend.  Our partner network is designed to offer some of the best car insurance quotes available in the marketplace for consumers in every age group, even young drivers.  By obtaining multiple free quotes for car insurance for a 20 year old, you’re in a unique position to allow our top tier insurance companies to compete for your business.  Taking a few critical minutes to obtain multiple quotes on our Rapid Quote System is the only way for you to know for certain that you’re getting the lowest car insurance possible for your particular driving circumstances because as you’ll find out, your first quote is often not your best quote.

Car Insurance for a 20 Year Old-The Facts

While millions of people today shop for their insurance of all types online, this may be your first experience with online quoting so we take you by the hand to guide you through the process.  Relax, it’s an easy and very convenient system to use, but there are some terms related to car insurance coverage that you need to know to make sure you get the coverage you’re looking for in the right amount to meet the State minimum requirements where you live.  Please use the link above to learn about the types of coverage available.

It’s important to understand that the location where you live is important when quoting insurance, especially car insurance.  When you begin quoting, you’ll enter your zip code into our system to begin the process.  Your zip code is used by our system and by the insurance companies in two very different ways.  It’s used by our system to allow our partner network to display the partners that are serving your area that may be offering special pricing at the present time.  It’s used by insurance companies because they keep actuarial statistics about the car insurance claims for car theft, vandalism and car accident claims in your area.

As a young person you may be considering relocating at some point.  Just know that the more densely populated a location is, the better the chances there are for the above types of claims and the more insurance costs as a base price for anyone of any age.  As a young adult looking for Car Insurance for a 20 Year Old, you owe it to yourself to maintain a clean driving record free of claims and tickets to the very best of your ability.  It’s your future and it’s a long one so start the program out on the best foot.  You may not realize it now, but it could save you tens of thousands of dollars over the course of your lifetime.

Online quoting is a powerful tool that puts the power of shopping for the best quote and having car insurance companies compete for your business directly into your hands.  To learn more about the advantages of online quoting, click on the link and a new window will open.  Take advantage of this free process for every type of insurance you get.

Car Insurance for a 20 Year Old-No Fault VS. At Fault

Lastly, it’s important to know that car insurance is regulated at the State level in every State and each one operates a little differently with two predominant systems.  One is “no fault” and one is “at fault” where the state operates under a Tort system of law regarding car insurance.  As a young adult looking for car insurance for a 20 year old, one or the other system is going to affect you so learning about them is really quite important.

No fault insurance is where you and your insurance company will be responsible for damages to you or your passengers in a car accident no matter who is really at fault.  Under at fault, one person will be found responsible and they along with their insurance company will pay for damages and injury.

Why ‘No-Fault’ in the First Place?

Logically speaking, the negligent party in an accident should bear the responsibility for all damages incurred. If you’re in an accident in which the other driver is clearly at fault, why should your insurance company have to pay for the damages to your car? After all, when you file a claim, your car insurance rates typically go up, regardless of whether the damages were your fault or not.

The problem is that courts must decide who was at fault. If the negligent party denies blame (and why wouldn’t he?), then you have to take him to court. In states without no-fault insurance laws, the legal system is clogged with such cases. This is why many states enacted laws that not only eliminate the issue of “fault,” but also specify the amount paid for medical expenses and lost wages. Instead of settling things in court, under no-fault insurance, each person accepts responsibility for his or her own damages and losses and collects directly from their own insurance company.  (The above summary compliments of CarInsuranceRates.com)

Car Insurance for a 20 Year Old-Ways to Save

Educating you is important in this process, but we know that saving money on car insurance is why you’re here.  While car insurance is more costly when you first start to drive because of your lack of experience, by now as a 20 year old you’re beginning to get some experience under your belt and you’re now entering one of the most important driving times of your life.

While young women do get a slight break on car insurance than young men do because of young men being a higher risk, your march to being 25 years old is when you will begin seeing discounts simply for your age if you have a clean driving record.  This is the optimum time to get multiple quotes when looking to get car insurance so you can save however and wherever possible.

Ways to save when quoting your car insurance include:

  • Driving a practical late model car that’s not expensive to insure or repair.
  • If your car is worth less than about $4000 you may be able to avoid getting collision insurance.
  • Take advantage of any good student discounts that you may qualify for.
  • Getting multiple policies with the same company.  We offer every type of insurance you need.
  • Driving less miles has an effect on your rates.  The longer you’re on the road the more expensive you’ll be to insure.  If you can bike or carpool to work to save miles you can lessen the cost of your car insurance.
  • Maintain a clean driving record and a solid credit report.  Your credit score does come into play to a lesser degree so keeping it as high as possible puts lower premiums in your favor.
  • Avoid driving sports cars, import cars or muscle cars that are more costly to insure and repair.
  • Make sure your car has basic safety features such as airbags, seat belts and a theft protection system.
  • Quote your insurance at least every other year to ensure you’re still getting the best deal in the marketplace for your situation.
  • Your deductible has a huge bearing on your insurance premiums. Make sure you quote a deductible that is high enough to have a positive impact on your car insurance rates, but not so high that paying for it in the case of an accident would create a financial hardship for you or your family.
  • Make sure that you don’t have duplicate coverage for medical needs where your car insurance may overlap with medical insurance you may have.
  • Get multiple online quotes to ensure you’re getting the best deal possible the same way you shop for food, clothes or anything else.  There’s no need to overpay.

Look, car insurance is serious adult business and treating as such will save you thousands of dollars by the time your able to get more discounts because of your age, experience and your ability to maintain a clean driving record.  Online quoting is by far the best way to guarantee you’re getting the lowest pricing.  Get started now, start saving money and we hope you learned from this article and enjoy the savings.

 

 

 

 

 

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Posted in: Auto Insurance, Insurance