Car Insurance for Young Singles

At CarInsurance.com we get many questions from Young Singles looking for answers to their Car Insurance questions.

Here are the most frequently asked questions:

I am a male driver and I recently turned 18, will my car insurance cost decrease since I am now legally an adult?
No, it is doubtful that you turning 18 years old will decrease your car insurance rates. Though you are an adult technically you still have only a couple of years of driving experience and thus are a high risk to an insurance provider. If you are not longer in school then your may in fact lose a good student discount and at 18 your rates could rise. More

Insurance companies consider a driver "inexperienced" if they have had less than 3 years of driving. Are they looking for 3 years of insured driving, or 3 years of licensed driving in order to become experienced?
The insurance company will look at the number of years you have held your driver's license for the "inexperienced period." The insurance company insuring you may also be interested however in how long you have been insured, not for the "inexperience surcharge" but as another rating factor. If you have a car in your household you should have been on an insurance policy, either your own if you owned a car or your parents if they had a car that they allowed you to drive. More

Will you be charged a higher auto insurance premium if you have never had insurance before?
A first time auto insurance buyer is likely to be charged a higher premium than a motorist who has had insurance for many years. This can be due to a discount for renewing with the same insurance company as you suggested. Many insurance companies will extend customers a renewal discount if they are able to provide proof of prior insurance coverage. More

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