Not too long ago, Esurance was bought by Allstate. The insurance company, long known for offering low quotes online is now backed by one of the most-known players in the insurance business. It’s easy to get a quote online, or reach the 24/7 toll-free customer service line. Esurance also makes it easy to manage your auto insurance policy and your claims online.
There are several ways that young drivers can save money on car insurance. The first is by qualifying for discounts, as most major insurers offer discounts targeted toward young drivers. These include discounts for being a good student and for taking a driver's education course. Additionally—if a teen is on their parent's policy—most large insurance companies will reduce car insurance premiums if the teen is away at school and has limited access to a vehicle.
We acquired quotes from over 103 companies in 200 cities across the U.S. for a sample 17-year-old male driver who drives a 2011 Toyota Camry. We specified that he previously did not have insurance and was opting for full coverage (see limits below). We included the top 15 cheapest companies that were also available in at least 15 cities nationwide. For adding onto a parent's policy, we assumed the parent was a 45-year-old male, married, with no previous accidents or incidents in his driving record.
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.
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.
With Nationwide, there are lots of ways to protect your teen while staying within your budget. For example, a higher auto insurance deductible may lower the rate, but could mean more out-of-pocket expenses after an accident. If the vehicle is older or has very high mileage, liability coverage may be a better option than collision or comprehensive – though it will not cover damages to the car after an at-fault accident. Getting the right coverage that best fits your needs is important for saving money on your teen auto policy. Learn more about Nationwide’s auto insurance coverage types today.
Unfortunately, young drivers pay more for car insurance because you have limited driving experience. Although car insurance rates are highest for teenagers, young adult drivers often pay more for insurance until they are 25 or 26—or even up to 30. The only way to know which insurance companies are best for young adults is to compare competing quotes from a handful of auto insurance companies—every car insurance company prices their policies differently.

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!


Now it is time to ask yourself if saving a little money per month by dropping your auto insurance is worth the risk. I suppose it’s also time to bring back the parachute analogy. Driving without insurance in Texas is a bit like jumping from a plane without a chute. If you do it, you are bound to crash. Proper coverage is an inexpensive way to protect yourself in case of unforeseen accidents.
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