How to get cheap Georgia auto insurance for young drivers
September 11th, 2009 by Lloyd Pro Group Inc.
5 Tips To Getting Cheap Georgia Car Insurance For Young Drivers
Whether you are the parent of a teenager that is just itching to get their car on the road, or you are a young driver that needs to pay his own way, then listen closely to the following secrets to saving on insurance costs.
Everyday after school, Jimmy would come home and wash his car in the driveway. He cared for his little red mustang like it was his newborn baby. Every square inch of paint was buffed, the chrome shined like a mirror & the tires glistened with armor-all.
The funny thing is that Jimmy hasn’t been able to actually drive his car yet. You see, Jimmy made a common mistake that many young people make. They make their purchase decisions based on their car payments alone. They spend all of their paycheck on a car payment, without ever thinking about how the insurance will impact their budget.
And so there it sits in the driveway, until Jimmy can afford the insurance premiums or would maybe have to end up selling it.
How about you?
It comes down to this. If you are a teenager or a young driver, you need to know that the premium of your insurance is affected by the following determining factors:
1- What kind of Vehicle will you be getting?
What year is it and what model is it?
I know that everyone wants a “fun” and “fast” car when they are young.
Unfortunately, “fun and fast” cars statistically have more accidents than “boring and safe” cars!
If you want a 2 door sports car, then be prepared to pay alot more than if you would be getting a 4 door minivan. I know that’s not what many of you want to hear, but it’s the truth.
Here is a tip:
Before choosing a car to buy, call your insurance company and price the 3 cars you are thinking about. The cost of the insurance premiums may actually help you to make your mind up about which car to purchase.
Here’s a quick story:
Recently, a young 18 year old friend of the family confided in me that had his heart set on an older red BMW 2-door. However, at the last moment he decided on another vehicle. What happened?
Well, he took this advice I just shared with you. He told me the red BMW insurance costs were almost twice the cost of the other cars he was looking at.
2- Are you a safe driver?
Do you drive within the speed limit and respect the rules of traffic? If you insist on speeding, running red lights, driving too closely and think nothing of drinking and driving, then prepare to pay a high price for the privilege of an insurance policy.
If there is only one thing that you take away from this article, it should be that the driving habits you develop as a young person will dictate how much you spend on your insurance for the rest of your life.
Make it a goal to be a safe driver and you will be glad you did the next time your coverage is renewed.
3- Choose a higher deductable than you normally would.
Are you willing to accept the risk of paying for the first $500-$1000 worth of repairs? Then you will enjoy a lower monthly insurance rate then if you chose a zero or a $250 deductable.
It comes down to this… pay more monthly now or take the chance that you won’t have to pay it later.
4- Stop making claims on every little nickel & dime repair for your car.
Instead of turning in that $95 paintless dent repair, go ahead and pay for it out of pocket. You’ll be glad you did when your policy comes up for renewal.
5- Don’t be afraid to ask the insurance company if any discounts are available for you to take advantage of.
Did you know that by taking a drivers education class in school you could save money on your insurance? Additional defensive driver courses are available for you to invest in also. Sure, it will cost you a few dollars up front, but you will enjoy the discounts forever.
Why not contact an
Atlanta Insurance Company now to find out what additional discounts Lloyd Pro Group has available for
Atlanta auto insurance?
Yes, there are additional things that impact your insurance rates, many of them of which you have little control over. In fact we will discuss these in a future article.
However, as discussed here there are many things that you can control. That is why it is important to educate yourself about the choices you do have. In this way you have the best chance at getting
cheap Georgia car insurance for young drivers.
Why not pick up the phone now to see how Lloyd Pro Group can save you money on your auto insurance?
Proudly serving our clients with affordable Georgia car insurance for young drivers through out Atlanta Including: Duluth, Tucker, Lilburn, Lawrenceville, Buford, Norcross, Braselton, Gwinnett county, Decatur,Dekalb county, Stone Mountain, Lithonia, Conyers, Forrest Park, Jonesboro,Douglasville, Douglas county, Villa Rica, Austell, Hiram, Powder Springs, Lithia Springs, Smyrna, Marrietta, Vinings, Dunwoody, Roswell, Atlanta, and Cobb county Ga
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