Chicago Insurance Forum

Not all young drivers are out to show off their new driving skills at high speed, yet car insurance premiums are high for motorists under the age of 21.

Some insurers are unwilling to offer insurance cover for drivers under the age of 21 and some car insurance companies even extend that to people under the age of 25. Those car insurance companies that do provide cover, often charge unaffordable prices which leads to many first time drivers taking to the roads uninsured as they can't afford the premiums on offer.

Here are some tips designed to keep down the cost of car insurance for the young.

Young drivers should look into taking an advanced drivers course in an attempt to convince their car insurance company that they are responsible drivers. All insurers will price their customers' premiums on the likelihood of them making a claim, so the less likely they are considered a risk, the less the car insurance will cost.

Improving the car’s security by fitting it with an alarm system or immobilizer or by parking it in a secure location will make a positive difference to the price quoted by an insurer.

Do not modify the car. Modified cars generally cost more to insure than unmodified cars.