It has been a norm that turning 21 would mean a cheaper car insurance. 21 years of age remains to be a magic number for these younger drivers. By turning this age, you finally have the key to the car, and the only need that you would want to consider is how much is car insurance for a 21 year old to drive.
What you should not forget is that; even if the car insurance policies come with some measurable benefits for the younger drivers, and more so in your 20s, it is still obvious that you will have to pay a slightly more cash as when compare to the later ages, don’t forget to check how much.
The holding benefits being enjoyed at 21 when it comes to insurance policies benefits come with various reasons. The major reason is that at the age of 21 an individual would likely to be involved in few car accidents. This simply means that when you are at this age, you are being included in the lower risks when it comes to car accidents and actually, this is what importantly affects the car insurance premiums. In case you still want to discover and know the cost of car insurance for a 21 years old, you have to be knowledgeable that despite the premium given, it is absolute you will be required to pay more than the overall average needed. This is why it is important to look for the best possible deals.
So how much is the premium anyway? Consider this:
Male VS Female
When males and females ask about the premium of car insurance for a 21 years old, they get a different answer from the insurer. At the age of 21, the statistic shows that men tend to behave very totally when they are behind the steering wheel as compared to women of the same age. It is at this age that men are being considered to drive more aggressively that the women, hence this makes them be very susceptible to car accidents. Therefore, because of this distinct and huge difference, the young men should definitely found how much a 21 years old boy is charged for car insurance. When these people reach the age of 25 years, the rates at which they drive will automatically slow down. What about by 25 years? By the age of 25 years, the young male drivers will be exceeding the speed limits, and this is caused so much by their tendency to drive under the influence of alcohol. This is another reason that explains better as for why car insurance 21 years old male will ever be charged more when it comes to car insurance as compared to the females at the same age.
The costs of average car insurance for 21 years old boy would decrease once they get married. This is because they will begin to drive safely and even give up some of their aggressive driving behaviors which they have invested at the age of 21. The young males are likely to get a discount of up to 20% in car insurance charged in case they get married or in case they reach the age of 25 years.
Comparing the driving speed, it is clear that male drivers at 21 years are more aggressive than the females. However, these young female drivers still will need to pay more for their car insurances because they are more likely to be involved in a car accident before they reach 25 years.
What are then the factors that may affect the premium when a driver steps 21 years?
It is not all about the age when it comes to insuring the car. The insurers look into some other factors when they are deciding the insurance premium. These includes:
The driving activity – how often you use your car, what you use if for and how far you are driving all impacts the insurance premium.
Marital status – statistics show that those who are married are a safer driver. This does not mean you rush for marriage so as reduce your insurance cost.
Profession – the jobs that you do for your living will as well determine the likelihood of being involved in road accidents. People like the delivery drivers and sales representatives are known for spending a lot of time on the roads.
Size and power of the car – the more powerful and bigger the car is, the higher the insurance premium would be.
Insurance group – remember that even if you are 21, all cars do belong to a particular insurance group, which is numbered from 1 – 50. The higher the number, the riskier that car to insure, and obviously the higher the insurance cost you will pay.
Finding an Affordable Car Insurance for 21 Years Old
There are veracious ways in which can reduce premiums. Here are top 3 ways
Buy a Safe Car
A safe car can reduce the risk of an accident by 30%, which is a big factor for the insurers. A car with slower acceleration reduces the risk, avoiding sports cars is a good option to deduct the cost.
The good academic result can reduce the cost. Most of the insurer offers big discount for 21 years old drivers with good grades. B or A grades in high school or college is helpful to get a discount. Generally, a college student completing 12+ credits in a semester with grade B or more can be qualified for this discount.
Take Driving Test
Some insurer offers discounts for young drivers, who take a driving test (like, defense driving test), or read a safety book. Ask the insurer about their recent offer.
So, How Much is Car Insurance for a 21 Year Old?
You will definitely get low costing plan than car insurance for 20 years old. But shopping around is still required for getting an affordable deal. Using the above discount tricks you can find a great deal. We offer the best rate from top companies. Don’t forget to get quotes from us.