Question : Hi, my name is Steve. My folks gave me a new car last year. I am a college student, and almost always broke. Now the insurance for the car is due, and I am hard-up. My folks told me to maintain the cars myself so I can’t ask them to spring for insurance. Could you tell me where can I find the cheapest motor insurance quotes?

Answer : Hello Steve! I can understand your predicament, and I know that it’s not easy for a young person to find cheap motor insurance quotes.  The reason is, insurance companies consider young drivers a high-risk, and if you’re below 25, the insurance premiums on your car will be high.

Now we know that you won’t be getting older in a hurry, so that leaves only one alternative — scout and search. You have to FIND the cheapest insurer. A good starting point is online. Try to get quotes from online insurance providers and see what they have to offer. You could also look around and talk to insurance agents and ask them about the cheapest policy they have.

If your driving record has been good and there have been no accidents for insurance companies to balk at,  you could get all the benefits of a good coverage at a low price. Another way to lower the premium is to do away with some of the extra coverages like fire, or theft and focus on the basic third-party and accident coverage. If you’re lucky some insurance agent might be able to offer you deal in which you pay the premium in parts instead of one go. But those motor insurance quotes might be more expensive.