Car insurance rates have continued to climb in recent years, and 2019 will see the continuation of that trend. If you’re in the market for car insurance for new drivers, say teens, or car insurance for college students, that isn’t good news, as rates are super high for inexperienced motorists. But you’re in the right place to learn how to lower car insurance costs, even though finding cheap car insurance for young drivers is challenging, it’s not impossible.
Car insurance for college students can be pricey for sure, but you can capitalize on certain discounts. One that can reap up to 20 percent off is the “Student Away” discount. Typically, you qualify if you are listed on your parent’s policy and drive one of their cars they keep at home but attend college 100 or miles away. Some insurers may also require that you are under age 26 and unmarried to receive the discount.
This is another online-based insurance company that promises steep discounts and quality coverage. Progressive touts its standing as the number one auto insurance site, and promises to help you find the best rates — even if the best rate is with a company other than Progressive. It’s not a bad place to start your search, since you can see multiple quotes from multiple companies. You can also get help from a local agent or via phone.

Liberty Mutual $2,238/year ($187/month) Whether you're retired, work at home or often use public transportation, you may be able to get cheaper car insurance simply because you drive less. The rates above are for 40-year-olds with typical "full coverage" insurance and a clean driving record who drive 5,000 miles per year instead of the standard 12,000.
Keep your car safe: You will often be offered cheaper new driver car insurance quotes if the insurer believes that the vehicle is less likely to be stolen or vandalised. You can achieve this by simply parking the vehicle in a locked garage at night or at least off the road on a secure driveway. If this is not possible, then you could look at adding security enhancing devices such as immobilisers, tracking devices and alarms.
The Outback features a rollover sensor, electronic stability control, daytime running lights and side airbags. The IIHS gave it a top ranking for front crash protection. The new EyeSight Driver Assist system uses two cameras mounted near the rearview mirror to monitor traffic and alert you if it senses a collision. The system even warns a driver when if the vehicle swerves outside of the lane and automatically taps on the brakes.

Named drivers: If you add a named driver to your policy who is older and/or more experienced, the car insurance provider will likely offer cheaper premiums because they will assume that driving responsibilities will be shared and hence the riskier motorist will be spending less time behind the wheel. This often results in cheaper premiums. You can read more about this on guide to named driver car insurance – but make sure you don’t break the law by ‘fronting’ your policy and pretending someone else drives your car if they don’t!

This is the auto insurance company I use, but it’s not available in all states. American National allows you to get a quote online, in person, or over the phone. I’ve had a good experience with this company, and the standard discounts are offered, from multi-car to good student to multi-policy. I also have a discount for maintaining a good credit score and signing up for automatic withdrawal.

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The numbers go up quickly for subsequent convictions. If you are caught driving without insurance for an additional time, you will be fined between $350 and $1000. And you will still have to pay that additional $250 surcharge on your license for at least three years. There’s more. Repeat offenders also risk having their license revoked and their vehicle impounded. If that happens, you will face a long hard (and expensive) battle to get your license reinstated and your car back.
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