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Affordable Car Insurance for Young Male Drivers

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Affordable car insurance for young male drivers is not that easy to come by but there are ways to lower your rates. One of the first things that young men and women look forward to is having their own car and being able to drive anywhere they want, when they want. It’s like the highlight of your teenage years! It makes all the bad things that go along with being a teen seem better but driving doesn’t come without complications.

Unfortunately, for males, statistics show that young men under the age of 25 are at higher risk for accidents than females. As a result, insurance companies automatically charge you more to drive. The only type of vehicle insurance that won’t charge you higher rates is roadside assistance, which is excellent coverage for those unexpected emergencies that could leave you stranded on the side of the road.

However, you can find affordable car insurance for young male drivers, if you look for it and if you take steps to prove you are a good driver. Here are a few ideas to help you get started.

When you’re young, still in school and living at home, you can get cheaper rates if your parents add you to their policy. You’ll also want to make good grades in school or college because this can earn you some major discounts.

If you’ve already moved out on your own and need your own policy, here are a few more ideas that can help reduce the cost of car insurance for young male drivers.

  • Decide what type of coverage you need. Just carrying liability is cheaper but if you owe for your vehicle, you’ll have to add full coverage, which raises the cost significantly. For this reason, it’s always best if your first vehicle is a cheap one you can buy with cash.
  • Keep your driving record clean. Each year that you drive with a clean record, meaning no accidents or tickets, you’re proving you’re a responsible driver and this will turn into lower premiums over time.
  • Take a defensive driving course to help lower your rates. Insurance companies take into account your experience when determining the cost of your policy. A defensive driving course helps give you more experience and teaches you the rules of road.
  • Get a high deductible. While this can lower your premium, you do have to be careful not to go too high or you may have problems paying it if you’re involved in an accident.
  • Shop around and compare prices to find the company that can offer you the best rates for the best coverage.

Once you find affordable car insurance for young male drivers, it’s time to look for the best company offering roadside assistance. No one should be on the road without the personal protection roadside assistance can offer.