Reader’s Question:

Good day! It’s a good thing I stumbled upon this site because I was thinking of buying a car but I remembered I got to have a young persons car insurance first. I’m 19, a college junior and a first time driver so I know my premiums are going to be high. Is there a way to keep my premiums low here in Seattle? Thanks!

Danny

Seattle, WA

Hey Danny! Surely a young persons car insurance in Seattle can get pretty high because as a new driver, you pose as a high risk driver for car insurance companies. But fortunately, there are ways for you to get lower premiums. Let me cite a few tips.

1. You want to really choose your car before purchasing one. Choose an inexpensive car instead of a sports car. Cheaper cars are inexpensive to get repaired because they have inexpensive parts. The maximum speed of your car plays a big factor for your premiums. Statistically, faster cars are more prone to accidents thus the higher premium rates and vice versa.
2. Upon purchasing your car, put safety devices such as seatbelts, a shatter proof windshield, airbags and an anti-lock braking system. The safer your car is, the lower your young person car insurance will be.
3. Enrolling in a car safety driving school may also lower your premiums.
4. Since you are still in school, you can be eligible for a good student discount by getting higher grades.
5. Keep your driving record flawless. Being a safe driver can help you lower your premiums in the long run.
6. If you will be following the tips above when you purchase your young person car insurance, be sure to inform your car insurance agent or company because it is vital that they know so that you can get your discounts in the final car insurance paperwork.