Coverage of auto insurance in Virginia for young drivers is eye-watering. Almost by default young people under the age of 25 are destined to pay high premiums. However, there are ways to lower your premiums regardless the age. This guide can help you to do so. All you need to do is to stick to the Do’s and Don’ts recommendations that you will find in this article.
Do – try to add a second more experienced and responsible driver to your policy
This will surely decrease your premiums. For an example, if you add a 40-year old family member with clean driving record you add some “weight” to your policy which will be seen as a positive sign by the insurance companies and they will grant you a discount. Even if that family driver does not use the car so much you will have your premiums.
Do not – put someone else’s name first on your policy if it’s your car
Many young drivers put their parent’s as main drivers so they can cut insurance costs. However, that is called fronting and it’s illegal. If caught this can stain your driver’s record permanently and can even lead to prosecution, therefore do not do it.
Do – inform your insurer about some special circumstances and changes
You need to inform your insurer if something is change that affects your car policy, something such as you modified car or you expect to drive more than 7.500 miles a year. In case you forget to mention that to your insurer and you want to make a claim, even for an issue not related to that, your policy can become invalid. Even if you change your address you need to call your insurer and notify him about that. On the other hand canceling an insurance policy due to a fraudulent claim can be very difficult and very expensive. Not to mention that it will go into your driver’s record and will affect your premiums for the rest of your life.
Do not – pimp your vehicle
Your vehicle might look cool and sound great but it won’t do any good to your car insurance premiums. The more you modify your vehicle the higher your premiums will be. A modification is considered anything that is not part of the standard vehicle specification, even alloy wheels are considered as such.
Do – bring all of your insurance policies under one roof (company)
If you give all of your car policies or any other type of policy to one company you will make your insurance agent very happy. Insurance companies love that and will surely award you with great discount. The more business you bring them the bigger the discount.
Do not – be tempted to lie
When it comes to car insurance there is one simple and golden rule that says: “Tell them the truth and nothing but the truth”. Otherwise you risk prosecution and premiums as high as Mount Everest.
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