Teen Car Insurance
One of the biggest high points in any teen’s young life is when they finally get their driver’s license. However, for their parents, it is much more complicated because their worries multiply, just like their auto insurance rates. Teens pay higher auto insurance rates than almost any other demographic group in the country, and parents need to find and compare car insurance quotes to ensure they buy the best, cheap teen car insurance available.
Teens Are High Risk Drivers
Auto insurance companies base their premiums on how “risky” a driver’s performance on the road is likely to be. In the case of teen drivers, insurance companies consider statistics: teenagers are involved in more car accidents and get more tickets and citations than any other age group.
The reason for this is a combination of their lack of experience and skill combined with a young driver’s natural inclination toward impulsive and reckless behavior. High risk equals high policy rates, making it even more important for parents to get auto insurance discounts and find cheaper rates.
Inexperienced Drivers
Even after passing the driver’s education course, which is mandatory in almost every state, a teen driver has very little actual experience on the road and has no proof of a clean driving record. In order to qualify to take a state’s driving test, a teen, student, or young driver must log in a certain number of hours behind the wheel, but even that is not enough to really understand how to drive safely and defensively in every situation.
Drivers who are inexperienced make bad decisions, and this can be deadly in a vehicle. Teens and young drivers are most guilty of this vice.
Distracted, Impulsive and Dangerous Drivers – High Risk
A recent study by a major consumer information group discovered that teens are three times more likely to cause accidents resulting in injuries and death than the rest of the population, and the largest factor in this issue is the tendency of teen drivers to drive while distracted.
Using cell phones, listening to music, talking to friends — all of these things are distractions, and teenagers excel at them. Car insurance companies use these statistics to calculate the rates for teen car insurance.
No other age groups engage in the kinds of impulsive and potentially dangerous behavior that teens and young drivers are known for. Street racing, tailgating, speeding, passing blindly, weaving through traffic, passing while going uphill, and over-reacting or over-correcting to situations on the road are all hallmarks of teen driving.
They also tend to not pay attention to the other cars or what is going on around them, because they’re focused on their vehicle alone. Learn more about car insurance for teenagers.
Teen Car Insurance Discounts – Cheaper Premiums
Auto insurance companies won’t automatically give their lowest auto insurance rates to anyone under 25, but teens should work hard to prove themselves as good drivers and earn discounted car insurance. By taking additional driving classes like defensive driving courses or driver’s education, teens can earn discounts on insurance rates.
Additionally, driving accident-free for a year or more and maintaining a clean driving record will also get teenagers cheaper car insurance quotes.
Enrolling in insurance-sponsored safe driving programs, adding safety features such as anti-lock brakes, airbags, and anti-theft or alarm systems to their vehicle, while getting good grades to receive a “Good Student” or “Good Grades” discount will also help a lot, too. Expect anywhere from 5 to 15% lower rates for each of these discounts.
Auto Insurance Quotes
Teen drivers have higher rates for many reasons, but parents don’t have to be resigned to high premiums forever. By encouraging responsible behavior and taking advantage of insurance company discounts, parents can buy cheaper teen car insurance. Compare quotes online from several insurers at once by inputting your 5-digit zip code.
By entering your zip code, MyCarInsuranceRates.com offers consumers the ability to shop and compare car insurance quotes from the best auto insurance companies in the country, like Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers, AAA, and AARP, helping our users find the best, cheap auto insurance available in the market.
Enter your zip code to begin a car insurance quote now and find cheap teen car insurance online.
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