Cheap Insurance for Young Drivers

       Many parents worry about their teenagers driving, and this is for a reason.  Teenagers are high risk, and this is because as a group they have notoriously high ticket to driver ratios and accident to driver ratio.  Teenagers have little driving experience, and this also leads to high rates.  At minimum, a driver needs at least three years of driving to be quoted at a lower rate.  It is likely that the rates will remain high while under the age of 25.  Typically the rates for a single male under twenty-five exceeds the rates of a single female under the age of 25. 

      When a teenager begins to drive, he or she feels a sense of freedom and exhilaration.  This feeling of independence sometimes leads to high speeds and reckless driving.  Drivers need to feel a sense of independence, but also a sense of responsibility, because driving is a tremendous responsibility. 

     It can be very difficult for teenagers to find cheap car insurance.  This is because teens have a notoriously bad reputation for being involved in wrecks.  Even if you are a teen driver who drives safely or you have a child who drives very safely, you still often must pay for the recklessness of other teenage drivers.  So what can you do about it?

        First, be sure to get rates from a variety of carriers because it will help you compare prices so you can get the best deal.  You will find that some companies even target teenage drivers, but many others will probably offer outrageous quotes.  The time it will take you to conduct a little research on the internet or through phone calls is well worth it when you are able to find a reasonable policy. 

     You also will need to consider whether or not you want to add your child to your current auto insurance policy or whether it will be a better deal for you to just get a quote for them to open their own policy. 

     One possible discount that you may be able to apply is the good student discount.  This discount may be offered to teens in high school or in college.  You will likely be required to provide proof that you indeed have good enough grades to be awarded this discount.  In order to uphold the discount, the student will need to continue with the GPA.  Some companies will also offer a good driver discount to drivers that are at least 19 years old.  This means that the driver must be able to prove that they have been a good driver for the past three years.  Some companies will not offer this discount, so if you can find one that does, you should consider it as a possible company.  It cannot hurt to ask an insurer carrier so that you can get the best possible deal. 

      Be sure that your teenager has guidelines and rules to follow that will help them keep the costs down low so that their insurance rates remain as low as possible.  Having a curfew can help keep your teenager at home instead of on the road during the dark hours of night when it is not only more difficult to drive, but teenagers sometimes drive erratically.  Make sure that your teenager knows not to use the cell phone while driving the car.  Talking and especially texting can be very dangerous because the teenager is not paying attention to the road, and this can lead to accidents.  You may also want to consider cutting back on the number of miles your teenager is allowed to drive throughout the week or month in order to cut back on the amount of driving and hopefully resulting in less opportunities for accidents.  Teaching your teenager responsibility is important and will help him or her develop a positive driving record, stay safe, and keep those rates down low. 

      Many teenagers want a sports car.  I would suggest that you not take this route.  Car insurance rates are not only determined by how the teenager acts behind the wheel, but also by the type of car is being driven.  When driving a sports car, teenagers will drive faster, putting them at an increased risk of an accident.  Sports cars will also be far more expensive than a more modest vehicle.  Boys are especially at risk with sports cars.  They will likely drive fast, and the statistics prove this, and the insurance companies will use this as a reason to hike up the rates.  You might be surprised by how much the insurance rates vary based on the type of vehicle that is being driven.  Be sure to shop around, and before you purchase a vehicle, check with your insurance company for rates.

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