Cutting Auto-Insurance Costs – A Guide for Student Drivers

The government is becoming more and more forbidding when it comes to the limitations of learner’s permits and youthful drivers licenses. Student Drivers do not like it but the government instituted them for the sake of the safety of all travelers on both New Jersey and Pennsylvania.

Both states controls it’s own jurisdictions regarding car insurance. In some states, young and inexperienced drivers are allowed to drive to school/work and back without any governmental certificates, except for a parent’s/legal guardian’s authorization document. I’m familiar with these rule.  When I was in the United States Air Force in the early 1980’s, many children whom lived on farms south of San Antonio, Tx were permitted to drive to school since there was no bus service in those rual areasof the state.

It is time to face the truth—auto insurance is more expensive for teen and youthful drivers. Even though not all teens can be considered dangerous drivers, they have become a victim of statistics. According to the Department of Tranportation of both NJ and PA, car accidents among drivers below the age of 25 make up the highest number of irresponsible drivers in New Jersey and Pennsylvania.

On the bright side, there are some secrets to lower insurance costs even for student/youthful drivers or Youthful Operators as auto insurance agents refer to them. One of them is Good Grades Discounts. Maintaining grade point average of 3.0 ( that’s a B for those of you without kids) is sufficient proof to impress many of the auto insurance companies represented by  Good grades will earn you a substantial and reasonable discount. Another thing student drivers could do is taking driving lessons through Defensive Driving Courses. There are many throughout the states of both NJ and PA.  With the added knowledge on how to drive safely and therefore reducing odds of causing an accident, insurance companies will lower your premium even further.

In addition, installing an electronic device that will monitor one’s driving will also allow insurance companies to check a driver’s habits like speeding and texting/calling while driving. If the insurance company finds a driver aformentioned the aforementioned infractions, they will provide you an aditional discount. Safeco Insurance Company and Progressive Insurance Company are two of the many companies who offer the installation of this electronic device to monitor a driver’s performance. Shop around to find the most lowest premiums using online tools that have the ability to give real-time prices regarding insurance quotes from many sites at once. These tools are free; thus there’s nothing to lose in the utilization of their services.  Ultimately, in order to get the best rates and best coverage, call an independent insurance agency that only gives out the quotes and doesn’t take any sides. There are many agencies like this, but theres only one® represents the nation’s top 30 auto insurance carriers and can provide you with the closest to a guarantee of saving you the most money on all your insurance needs. and is the only Federally Trademarked Nationally Licensed Insurance Agency  of the same name on the World Wide Web. can save you up to $550.00 or more on your annual auto insurance bill.  Regardless if you have a perfect driving record or you have accidents, tickets, violations, DUI or DWI; we hundreds of car insurance options to save you money.  For those whom have been hit hard by our economy; ask us about our money saving Down Payments as low as $47.20.

 – Mike

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