How do you lower car insurance costs for young people in Tampa?

My 18-year-old son’s car insurance is going through the roof. It just jumped from $270 to $321/ month. He’s a college student living in Tampa, FL (40 miles from home address in Largo, fL), makes good grades, took driver’s ed in high school, has been driving 2 years and never had a ticket. It’s a new car (Mazda 3) that’s titled to my husband, but all 3 of us are on the policy. My husband and I are on a separate policy for our cars. Anyone have any suggestions on how to bring this number down?

My husband had 2 back-to-back accidents last year that were found to be the other driver’s fault and was paid 100% by the other driver’s insurance (including our deductible). Also, we had a claim on my son’s old car when someone hit it while it was legally parked on the street, and then ran. I had a quote of $261 from Traveler’s until they questioned these claims, then they bumped it to $331/ month. I guess they count against us, even though they weren’t our fault?

the best bet is to ask your insurance company – different companies offer differnt reductions. some offer discount for students based on grades or gpa , and others may dicsount if he takes a defensive driving course again. those should offer some smaller discounts.

however since his rate is so high – i would recomend shopping around for new insurance and getting free qotes. but be sure to tell them your full driving history when they quote you as the rate will change once they look up your driving record and see anything you didnt mention.

Leave a Reply