In western states, Grange Insurance Association (not to be confused with Grange Insurance) typically offered some of the cheapest car insurance policies to young drivers. Grange operates in California, Idaho, Wyoming, Colorado, Washington and Oregon. In Oregon, young driver rates from Grange were about 75% less expensive than the state average. For those looking for car insurance in California, GEICO is also another cheap alternative.
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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.
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Federal research shows people are driving more --  the average miles driven per year is on the rise --  and more motorists on the road means more accidents. The cost to repair newer model cars with high-tech safety devices and sensor technology is also increasing, as are medical costs for injuries. And don’t forget about the hurricane and hail damage from recent severe weather storms. Insurers are passing on some of these higher expenses to you in the form of higher car insurance rates to recoup their losses.
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Liberty mutual $3,266/year ($272/month) To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical "full coverage" insurance. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.
This larger family sedan isn't just for parents. Mazda touts the vehicle as a "sports sedan" with excellent safety and reliability ratings, including anti-lock brakes, electronic stability control, daytime running lights and multiple airbags on the front and side. New features include blind spot monitoring and a rear cross-traffic alert system to notify drivers about objects and people behind the vehicle.

Reduce your mileage: One of the things insurers will look at is how many miles you estimate you’ll be covering over the course of the year. The less you are out on the road, the less of a perceived risk you are. Therefore, being accurate with your estimate mileage will avoid overpaying for miles you won’t use. And if you can reduce this by using public transport or getting involved in a car share you may save money on your premium.
State Farm is one of the most recognizable brands in insurance. It’s fairly easy to get a quote from the web site, or by calling an agent. I don’t have State Farm insurance, by I was recently hit by a driver who was covered by the company. After some initial hiccups, State Farm took care of everything, from the repairs on my car to the rental car. The company was even responsive when the initial time period for the rental car ended before repairs were completed and I requested more time.
Geico includes discounts for the vehicle equipment you have (air bags, anti-lock brakes, anti-theft, and daytime running lights) as well as for your driving history and habits. You receive a discount for five years being accident-free, as well as for taking driver’s education and defensive driving courses. Teen drivers, college students and young adults can receive a discount for good grades as well, and Geico offers discounts for military service and for federal employees, on top of the standard coverage discounts for multiple policies and vehicles. You can also check Geico’s list of more than 500 membership and employee groups that can result in discounts.
State Farm is one of the most recognizable brands in insurance. It’s fairly easy to get a quote from the web site, or by calling an agent. I don’t have State Farm insurance, by I was recently hit by a driver who was covered by the company. After some initial hiccups, State Farm took care of everything, from the repairs on my car to the rental car. The company was even responsive when the initial time period for the rental car ended before repairs were completed and I requested more time.
Drive Other Car insurance is similar to an Individual Named Insured Endorsement. If you need to borrow, test drive, rent, or lease a vehicle, Drive Other Car insurance will extend the coverages you’ve purchased for your commercial auto insurance policy - like Liability insurance, Physical Damage insurance, Medical Payments, and Uninsured Motorist Insurance, to a non-owned car.
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