Car Insurance for Young Drivers

Searching for young drivers auto insurance? It is a great idea to discover as much as possible before comparing insurance quotes.

You can save a lot of time and effort, if you understand what factors are used to calculate young drivers auto insurance rates. This is the key to finding low cost insurance.

You may be shocked to hear that when it comes to car insurance a lot of people pay substantially more than they really have to. By far the most common mistake is not comparing quotes.

As we all know auto insurance for young drivers can be very expensive. In order to find the best combination of good coverage and affordable insurance rates, you really have to go the extra mile.

One of the biggest problems new drivers face is their lack of driving history. Sadly, there is not really a lot that can be done about it. Most insurers treat all inexperienced drivers the same way as a significant insurance risk. It is proven statistically that because of their lack of experience drivers under the age of 25 are almost 3 times more likely to cause an accident compared to a diver over sixty.

It is not surprising that a huge number of careful young drivers feel 'penalized' by the insurance companies. In the eyes of many, having to pay up to five thousand dollars per year is unjust. Of course, there are things that can be done to help the situation. Driving an "insurance friendly" car, maintaining good grades and low yearly mileage will all lower your rates. You will be glad to hear that many insurance companies do offer as high as a 25% discount for students with an average grade of B.

Establishing an excellent driving record should be a priority for every new driver. Its important to know that even a single traffic violation may push your insurance premiums through the roof. Some insurance companies will go as far as doubling your rates on the back of an accident.

Paying close attention to the driving habits and attitude of young drivers on the road is a fantastic idea for parents. Accidents can be avoided if good driving practices are encouraged.

Make sure you check if your state has any regulations and safety laws which apply to young drivers. For example, there are night driving restrictions in California and Florida, and passengers restrictions in Georgia and New Jersey.


Also keep in mind that in order to apply for a driver's license, same states may require completion of a number of hours in a driver’s education course.

See also: Auto Insurance For Women Is Cheaper