You may not realize it when you begin the search for car insurance, but all young driver policies are not created equal. On average, male drivers tend to get charged higher monthly rates when compared to women. According to insurance company statistics, men tend to drive more frequently than women. Men are more likely to drive when impaired, as well. Both of those factors make insurance companies more inclined to charge men higher monthly premiums than women.
When you couple that knowledge with the fact that insurance premiums tend to skew higher for younger drivers, then males under the age of 25 are looking at exceptionally high rates for car insurance. Fortunately, you don’t have to suffer. Here are some tips to get your hands on some cheap car insurance for under-25 males in Tampa, FL.
What other coverage do you have?
Often, drivers under 25 also find themselves living in their first apartment. A lot of those first-time renters forego renter’s insurance, either because they think they can’t afford it or they believe their hand-me-down furniture isn’t worth insuring.
You may be surprised to know that renter’s insurance is both surprisingly affordable and, when coupled with a driver’s insurance policy, could earn you an overall discount from your insurer.
How much driving do you do?
In the modern age, many males under 25 don’t do as much driving as they would have in the past. You might commute to work by using public transportation or take advantage of a ride-share option in the evening after happy hour. If you’re not relying on your vehicle a lot, that could translate to cheap car insurance for a 22-year-old male in Tampa, FL. Just contact your insurer to find out if any discounted rates could apply.
Make smart decisions
Once you get over the hump of age 25, you’re likely to see your car insurance rates drop. If you’ve demonstrated smart driving habits up to that point, then the reduction in rates could be dramatic.
So, the smartest thing you can do for yourself and your financial future is to avoid irresponsible driving. Absolutely do not drive with open intoxicants in the car. Drive the speed limit. Leave space between your vehicle and the one in front of you. In other words, do your level best to avoid getting in an accident or committing an infraction.
Come to Affordable Car Insurance Tampa
At Affordable Car Insurance Tampa, we’re committed to providing cheap car insurance for 20-year-old males in Tampa, FL, as well as drivers under 25 and of all ages. We understand the value of a dollar, especially when you’re just getting on your feet at the beginning of adulthood. That’s why we work with you to find a policy that works for you and your budget.
For nearly a decade, Affordable Car Insurance Tampa has provided excellent coverage for drivers of every age. We’re committed to keeping you safe and secure when you’re behind the wheel. Find out what makes Affordable Car Insurance Tampa different from the rest. Give us a call today.