Affordable Car Insurance for Young Drivers

Do you need car insurance for young drivers? It is a good idea to discover as much as you can before getting insurance quotes.

You can save a lot of time and money, if you understand what factors are used to calculate young drivers car insurance rates. Ultimately, you will find cheaper insurance.

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

As you probably know young drivers car insurance can be very costly. That's why it is so important to go the extra mile in order to find the best combination of lower car insurance premiums and good insurance coverage.

One of the biggest problems inexperienced drivers face is their lack of driving history. Unfortunately, there is not really a lot that can be done about it. The majority of insurance companies lump all young drivers together as a high risk. It is proven statistically that because of their inexperience drivers under the age of twenty five are about three times more likely to be responsible for an accident than a driver aged sixty or over.

It is understandable why 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. There are, of course, things that can be done to aid the situation. You can lower your insurance rates if you maintain good grades at school, drive an "insurance friendly" vehicle and reduce your yearly mileage. You will be glad to hear that some insurance companies do offer up to 25% discount for students who maintain a B average.

Every young driver needs to focus on establishing an excellent driving record. Keep in mind that even a single traffic violation may push your insurance premiums through the roof. Even a small accident can be an excuse for many insurance companies to double your premiums.

Paying close attention to the driving habits and attitude of young drivers on the road is a great idea for parents. Encouraging careful driving practices will help your son or daughter to establish a sound driving record and avoid accidents in the future.

Make sure you check if your state has any regulations and safety laws which apply to young drivers. There are passengers restrictions in the states of Georgia and New Jersey, Florida and California have night driving restrictions for young drivers.


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

See also: Women Pay Less For Auto Insurance