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Reader’s question:
I’m only 17, and my dad recently gave me a beat-up truck. I’ve just moved up to Washington from Arizona, and I’m still not used to driving on the wet ground. My insurance premiums are insane! What can I do to get a discount? My boyfriend offered to pay, but I’m not down with that.
-Bella
Hmmmm…interesting situation. Let’s see how I can help.
Of course it’s true that young drivers car insurance is more expensive than older, more mature drivers car insurance. And that move from a warm to a cold climate can’t help. But there are things you can do to get a significant discount on your young drivers car insurance.
Since you’ve only been driving a year, you aren’t eligible for a lot of the safe drivers car insurance rewards program. But you can get discounts for keeping your car safe. If you have airbags, or motorized seatbelts, you could receive a Passive Restraint Discount on your auto insurance. Same things go for Anti-Lock Brakes and Anti-Theft Devices. When it comes to your car itself, you’re very lucky that your dad got you a truck. Because they’re so reliable, insurance companies are much more generous when it comes to insuring trucks. As a result, some insurance companies offer Utility Vehicle Discounts for specific pick-up trucks. It’s good to look over your policy and check to see if your truck qualifies.
Outside of the car itself, there are things you can do to lower your premiums. If you can keep your high school GPA above 3.4 (each company has a unique threshold that varies between 3.0 and 4.0), you can get a Good Student Discount. I know that may be hard with a rich boyfriend to distract you, but it’s something to think about.
Hope that helps!
GLJ
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