Good Driver Insurance

Cheap Student Driver Insurance Based on Crash Tests

By fashun on August 10th, 2007

Reader question:

I’m a junior in high school and have been driving my parents’ car for the last year. Now I’ve saved up enough money for a down payment on a used car. I’ll be making both car payments and insurance payments on my own policy, so obviously I want to get my car insurance as cheap as possible. What does the safety of the car have to do with how much I will be paying on my auto insurance?

Greg

You sound responsible.

It’s very refreshing to see a high school student who is taking his future into his hands as much as you are. It’s great that you’re both able to handle school while learning how to handle your own finances, because starting small with just a couple of things like car notes and car insurance will teach you a lot about budgeting and finances and you will need to draw on what you learn now in the future when your bills aren’t quite so few in number. The skills that you need to get a cheap student car with cheap driver insurance are the same ones that will help you save money for the rest of your life.

The base skill that all of this stems from is making yourself knowledgable. Whenever you make a purchase, you should know as much about it as possible. This extends to all kinds of purchases, even down to a candy bar–you should know what the nutrition facts are so that you can take care of your health. When buying a student car, it will cost you a lot to get it insured, although it being a used car will help a bit. But the one main thing that car insurance companiesare worried about is the safety of the car.

One problem with buying a used car is that, if it’s too old, it might not have all of the new safety features that many cars these days come equipped with. Things such as stability control can help you avoid bad situations and prevent accidents or lessen their effect even when you yourself are in a panic and don’t know how to react. However, if you do need to get a used car, you can still check out its ratings on the car crash tests at the National Highway Traffic Safety Administration website. It’s really hard for a car to be bad enough to get less than five stars, so try to get one of the cars that this site lists.

Cheers,

Fashun Guadarrama.

Cheap Student Driver Insurance Based on Crash Tests

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