The word “expensive” usually comes to mind of anyone who thinks of or is considering purchasing car insurance for young drivers under 25. The rates can be astronomical based on statistics that reveal that young drivers under 25 are more likely to be involved in fender benders. In addition, a young driver simple does not have the driving history to justify that he or she is capable of driving safely as well as defensively to avoid being in an accident . Don’t despair. Here are some of the cheapest and best tips for finding deals on the cheapest car insurance for young drivers.

1. Choose the cheapest insurable car. This may seem obvious to obtain a lower insurance rate but it’s a thought that may cause many young drivers to cringe at the mere suggestion. A low insurance car is a small to medium sized four-door, four cylinder car with many safety features. Plus the older the car the cheaper it will be to ensure it.

2. Avoid making any modifications to the car. As tempting as it will be to a young driver, modifications to a car to improve looks or performance will raise insurance premiums.

3. Education is the smart way to save money.  The cheapest car insurance for young drivers are usually given to teens who have completed a driving class. Another loophole is provided to teens who maintain at least a B average in school. Some insurance companies consider the young person’s school grades a reflection of a responsible and mature young person who will drive safely.

4. “Drive safely” includes actions that have nothing to do with direct driving. An insurance claim is not limited to only accidents and speeding. It includes but is not limited to talking on the phone in some states and even wrongful parking. Young drivers who avoid all possible claims will ensure that they will receive the lowest car insurance premiums in the future.

5. Annual payments are cheaper than monthly installments. Monthly payments may incur interest, so if you can afford it, consider paying annually or even in six month intervals.

6. Opt for a higher deductible. Keep in mind that if the young person is in an accident that the deductible should be affordable so that the insurance will kick in. A higher deductible will reduce your premium.

7. Minimize risks according to the insurance terms. Find out which factors will reduce the rate like a low annual mileage, using a covered garage to be the primary parking spot, install an anti-theft device, and so on.

With a little time and effort it is possible to find and leverage all the variables of the cheapest car insurance for young drivers.