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Does Car Insurance Go Down at 24

You’re probably wondering: does car insurance go down at 24? The answer, unfortunately, is that it depends. In general, rates for auto insurance tend to increase as you get older. However, there are a few exceptions to this rule. In some cases, rates may actually decrease if you are 24 or younger. The reason for this is that young drivers are often more accident-prone than older drivers and are thus more likely to rack up bills in the event of a car accident. So, whether you’re 24 or 48, make sure you shop around for the best rates on car insurance. And if you’re under 24, don’t be afraid to ask your parents or guardians to help you out!

What is Car Insurance?

Car insurance can be a costly necessity for drivers, with rates varying depending on the state and your driving record. In some cases, it may be cheaper to buy uninsured motorist coverage or add on collision coverage. Also, consider bundling your car insurance policies together to get discounts.

Shop around for the best rates before signing up. You can also compare quotes online or through an agent. The National Association of Insurance Commissioners (NAIC) maintains a database of car insurance quotes from multiple insurers.

What to do if your car insurance goes down

If your car insurance goes down, it’s important to understand the process of getting it back up. The first step is to call your insurer and speak to a customer service representative. They will likely ask for proof of current liability insurance, such as your driver’s license or registration. If you do not have any documentation on hand, the representative may be able to provide you with a quote for an additional level of coverage.

If your car insurance is already at its lowest limit, your insurer may only be able to offer you a discount on a higher level of coverage. However, they may also be willing to increase your deductible or total amount paid out in claims. In order to find out how much your car insurance would need to increase in order for you to maintain the same level of protection, it is important to contact several insurers and compare quotes side by side.

Once you have determined what level of coverage is necessary, you can begin the process of renewing your policy. Most insurers issue policies that are automatically renewed unless you notify them in advance that you want to cancel. You can usually renew your policy online or over the phone, but some providers also offer physical locations where you can sign up for a new policy.

If all else fails and your car insurance has gone down below the minimum required amount, then it may be necessary to purchase supplemental liability insurance. This type of coverage covers accidents that occur while driving regardless of whether or not you have any valid.


There is no definitive answer as to whether car insurance goes down when you reach 24. However, there are a few factors that could play into this question. One possibility is that rates change based on a person’s driving history and how recent incidents have been handled. Additionally, some insurers may offer discounts to young drivers, which could affect the overall cost of your policy. If you’re considering getting car insurance and are concerned about rates going up after you hit 24, talk to an agent to get an accurate estimate of your current rate.

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