Young car insurance buyers in Kansas pay some of the highest rates of all drivers on the road. The fact that they lack experience behind the wheel and are more likely to take risks than more people who have several years of driving experience means that they are more likely to be involved in accidents. While rates for young drivers should start to drop once they celebrate their 25th birthday, there are some things that a young person (and his or her parents) can do to keep costs down.
Take an Approved Driver’s Education Course
Many insurance providers offer discounts to young drivers who have completed a driver’s education program. Before enrolling in one, contact the insurer to get a list of approved programs.
Add the Young Driver to an Existing Policy
Rather than buy a separate policy for a newly-licensed driver, it is much more economical to add him or her to an existing policy. A parent, grandparent, older sibling or legal guardian can do so, and the young driver can stay on the other person’s policy as long as he or she is living at home.
Maintain Good Grades
Being a good student will also help a young car insurance buyer to keep his or her coverage costs down. Discounts may be offered to people who are able to maintain a “B” average or better, since car insurance companies consider students who have the diligence to get good grades more mature and responsible than people who don’t perform as well in school.